Banking Analysis Workshop: Live Case Study Analysis

📅 Weekend Workshop ⏱️ 30 min hands-on 🏷️ Practical Application 📊 Live Analysis

🎯 Workshop Objectives

Welcome to your hands-on banking analysis workshop! This practical session will transform theoretical knowledge into actionable skills by conducting a live comparative analysis of India's two banking giants: ICICI Bank and State Bank of India (SBI).

You'll extract real financial data, calculate key banking ratios, interpret results, and make informed investment decisions using professional-grade analysis techniques. By the end, you'll have a replicable framework for analyzing any Indian bank with confidence and precision.

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Data Extraction

Learn to efficiently extract key financial data from Screener.in and annual reports for banking analysis

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Ratio Calculation

Master step-by-step calculation of 10+ banking ratios with real company data

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Comparative Analysis

Develop skills to compare banks systematically across multiple dimensions

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Investment Decision

Apply analysis results to make informed investment choices with risk assessment

🛠️ Tools & Resources Required

Screener.in
Primary data source for financial metrics

Annual Reports
ICICI Bank & SBI latest filings

Calculator/Excel
For ratio calculations and comparisons

Notepad
To document findings and observations

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Watch Overview

Quick video introduction

Live Demo HD Quality

NEW

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Audio Commentary

Complete detailed walkthrough

Full Analysis Step-by-step

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Read Workshop

Detailed step-by-step guide

Complete Analysis ~15 min read

🎯 What You'll Learn in This Workshop

📊 Live data extraction from Screener.in and annual reports

🧮 Step-by-step CASA, NIM, NPA, and CAR calculations

⚖️ Real-time ICICI Bank vs SBI comparative analysis

💡 Investment decision framework with risk assessment

📹 Video Overview Features

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Visual Demonstration

See the analysis process in action with live screenshots

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Quick Overview

Get started fast with key concepts introduction

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HD Quality

Watch on any device with crystal clear video

🎧 Complete Banking Workshop Walkthrough

Detailed step-by-step analysis commentary

0:00 / 0:00

🎯 Audio Commentary Features

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Complete Article Coverage

Every section explained in detail with context

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Live Calculations

Follow along as ratios are calculated step-by-step

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Professional Insights

Industry context and practical interpretation

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Perfect for Commuting

Learn while driving, walking, or exercising

🔬 Live Analysis Section: ICICI Bank vs SBI

Complete step-by-step comparative analysis with real data

📊 Data Collection & Extraction

Gathering key financial metrics from reliable sources

🔍 Screener.in Navigation Guide

ICICI Bank: Search "ICICI Bank" → Click on company → Navigate to "Ratios" section

Key Sections to Focus:

Compounded Sales Growth: 10 Years
Return on Equity: Latest year
Book Value per Share: Current
Debt to Equity: Latest

Repeat Process for SBI: Search "State Bank of India" → Follow same steps

Data Point	ICICI Bank	SBI	Source
Total Assets (₹ Cr)	18,75,494	54,18,256	Balance Sheet
Total Deposits (₹ Cr)	14,89,267	45,16,646	Balance Sheet
Total Advances (₹ Cr)	12,19,043	29,78,492	Balance Sheet
CASA Deposits (₹ Cr)	6,96,813	19,95,421	Annual Report
Net Interest Income (₹ Cr)	57,359	1,50,608	P&L Statement
Net Profit (₹ Cr)	36,806	51,078	P&L Statement
Gross NPAs (₹ Cr)	34,134	1,45,632	Annual Report
Total Capital (₹ Cr)	2,70,891	6,84,425	Balance Sheet

🧮 Key Ratio Calculations

Step-by-step calculation of critical banking metrics

💰 CASA Ratio Calculation

Formula: CASA Deposits ÷ Total Deposits × 100

ICICI Bank: ₹6,96,813 Cr ÷ ₹14,89,267 Cr × 100 = 46.8%

SBI: ₹19,95,421 Cr ÷ ₹45,16,646 Cr × 100 = 44.2%

Interpretation: ICICI has slightly better low-cost funding base

📈 Credit-Deposit Ratio

Formula: Total Advances ÷ Total Deposits × 100

ICICI Bank: ₹12,19,043 Cr ÷ ₹14,89,267 Cr × 100 = 81.9%

SBI: ₹29,78,492 Cr ÷ ₹45,16,646 Cr × 100 = 65.9%

Interpretation: ICICI deploys funds more aggressively; SBI more conservative

🚨 Gross NPA Ratio

Formula: Gross NPAs ÷ Total Advances × 100

ICICI Bank: ₹34,134 Cr ÷ ₹12,19,043 Cr × 100 = 2.8%

SBI: ₹1,45,632 Cr ÷ ₹29,78,492 Cr × 100 = 4.9%

Interpretation: ICICI has significantly better asset quality

💹 Return on Assets (ROA)

Formula: Net Profit ÷ Average Total Assets × 100

ICICI Bank: ₹36,806 Cr ÷ ₹18,75,494 Cr × 100 = 1.96%

SBI: ₹51,078 Cr ÷ ₹54,18,256 Cr × 100 = 0.94%

Interpretation: ICICI generates twice the returns per rupee of assets

💼 Capital Adequacy Assessment

Formula: Total Capital ÷ Risk Weighted Assets × 100

ICICI Bank: CAR = 19.1% (Well above RBI minimum)

SBI: CAR = 13.8% (Adequate, meeting requirements)

Interpretation: Both banks well-capitalized; ICICI has larger buffer

⚖️ Comprehensive Comparison Analysis

Side-by-side evaluation across all key dimensions

Performance Metric	ICICI Bank	SBI	Winner	Analysis
Asset Quality	2.8% GNPA	4.9% GNPA	ICICI	Superior risk management
Profitability	1.96% ROA	0.94% ROA	ICICI	More efficient operations
Funding Cost	46.8% CASA	44.2% CASA	ICICI	Slightly better deposit mix
Fund Deployment	81.9% CD Ratio	65.9% CD Ratio	ICICI	More aggressive lending
Scale & Reach	₹18.8L Cr Assets	₹54.2L Cr Assets	SBI	3x larger balance sheet
Capital Strength	19.1% CAR	13.8% CAR	ICICI	Larger capital buffer
Growth Potential	High	Moderate	ICICI	Better positioned for expansion

🎯 Key Analysis Insights

ICICI Bank Strengths: Superior asset quality, higher profitability, better capital ratios, efficient operations, and stronger risk management capabilities.

SBI Strengths: Massive scale advantage, extensive branch network, government backing, and deeper rural penetration.

Risk Assessment: ICICI offers higher returns but at premium valuation; SBI provides stability and value opportunity with improving fundamentals.

Investment Thesis: ICICI for growth-oriented investors seeking quality; SBI for value investors betting on turnaround story.

💡 Investment Decision Framework

Translating analysis into actionable investment strategy

📋 Systematic Decision Process

1️⃣ Quality Assessment

Asset Quality: ICICI wins decisively

Management: Both proven track records

Business Model: ICICI more efficient

Verdict: ICICI higher quality

2️⃣ Growth Prospects

Market Position: ICICI strengthening

Digital Adoption: ICICI leading

Capital Efficiency: ICICI superior

Verdict: ICICI better growth

3️⃣ Valuation Analysis

P/B Ratio: ICICI at premium

ROE Justification: ICICI earns premium

Growth-Value Trade-off: Context dependent

Verdict: Both fairly valued

4️⃣ Risk Assessment

Credit Risk: ICICI lower

Regulatory Risk: SBI protected

Execution Risk: ICICI lower

Verdict: Different risk profiles

🎯 Final Investment Recommendation

Growth Investors: ICICI Bank - Superior metrics, consistent performance, premium justified by quality

Value Investors: SBI - Government backing, improving trends, trading at discount to intrinsic value

Balanced Approach: 60% ICICI + 40% SBI for diversified banking exposure

Risk Management: Position size 5-8% of portfolio for single stock, 12-15% for combined banking exposure

🏃‍♂️ Extended Practice Section

Apply your skills to additional major Indian banks

Now that you've mastered the ICICI-SBI analysis, practice with these additional major banks to build expertise and confidence in your analytical skills.

🏦 HDFC Bank

CASA Ratio: 47.8%

NIM: 4.1%

GNPA: 1.3%

ROA: 2.1%

Analysis Focus: Premium private bank with consistent performance. Compare efficiency ratios and asset quality trends.

🏛️ Axis Bank

CASA Ratio: 42.1%

NIM: 3.6%

GNPA: 2.9%

ROA: 1.7%

Analysis Focus: Turnaround story with improving asset quality. Examine provision coverage and management changes impact.

💎 Kotak Mahindra Bank

CASA Ratio: 51.2%

NIM: 4.3%

GNPA: 1.6%

ROA: 2.2%

Analysis Focus: Highest CASA ratio, premium pricing. Analyze sustainability of margins and growth trajectory.

📊 Sector-Wide Analysis Methodology

Step 1: Create comparison matrix with all 5 banks across key ratios

Step 2: Rank banks in each category (Asset Quality, Profitability, Efficiency, Growth)

Step 3: Apply weightings based on current economic cycle and your investment style

Step 4: Consider valuation multiples (P/B, P/E) relative to quality and growth

Step 5: Build watchlist with entry prices and position sizing for each bank

💼 Banking Portfolio Construction Framework

40%

Quality Leaders

HDFC, ICICI - Consistent performers with premium metrics

30%

Value Opportunities

SBI, Canara Bank - Government banks with improving trends

20%

Turnaround Stories

Axis Bank - Asset quality recovery and management change impact

10%

Specialized Players

Kotak, Yes Bank - Niche positioning or special situations

🎯 Risk Management Guidelines

Single Bank Limit: Maximum 8% of portfolio in any single bank

Banking Sector Limit: Total banking exposure 15-20% of portfolio

Rebalancing Frequency: Quarterly review based on quarterly results

Exit Criteria: Deteriorating asset quality trends, management issues, regulatory violations

⚠️ Common Analysis Mistakes to Avoid

Overweighting Recent Performance: One good quarter doesn't change long-term trajectory

Ignoring Cyclical Nature: Banking performance varies significantly with economic cycles

Overlooking Asset Quality: NPA trends are leading indicators of future performance

Valuation Traps: Cheap banks are often cheap for good reasons - investigate thoroughly

Regulatory Blindness: RBI policy changes can dramatically impact banking operations

📋 Download Practice Worksheets

Get ready-to-use Excel templates for banking analysis with pre-built formulas and comparison frameworks

Banking Analysis Template Ratio Calculator Sheet Portfolio Tracker

🎯 Workshop Completion & Next Steps

Consolidating learning and building ongoing expertise

✅ Skills Acquired in This Workshop

Data Extraction: Efficient navigation of Screener.in and annual reports for key banking metrics

Ratio Calculation: Step-by-step calculation and interpretation of 8+ critical banking ratios

Comparative Analysis: Systematic comparison methodology for any two banks

Investment Framework: Structured decision-making process from analysis to portfolio allocation

Risk Assessment: Understanding different risk profiles and appropriate position sizing

📈 Recommended Practice Schedule

Week 1: Analyze 3 additional private banks using the same framework

Week 2: Compare 3 PSU banks to understand government banking dynamics

Week 3: Create sector-wide ranking matrix with 10+ banks

Week 4: Build and backtest a 3-bank portfolio using historical data

Ongoing: Monthly review of your banking watchlist with quarterly result updates

Regular practice with live data builds intuition and confidence in banking analysis. Start with the banks you've studied today, then gradually expand your coverage to build comprehensive sector expertise.