India’s 2nd-largest private sector bank, ICICI Bank, just crossed a massive ₹9 trillion market cap! 💥
Check the image above to see how ICICI Bank is performing compared to it's peers 👆
> Net Interest Margin (NIM) is like a bank’s profit on loans!
💰 It shows how much a bank earns from lending after paying interest on deposits
📊 Example: If a bank earns ₹10 on loans but pays ₹6 on deposits, NIM is 4%. Higher NIM = better profits!
> CASA Ratio measures how much of a bank's money comes from low-cost deposits (savings & current accounts)
🔑 Example: A 40% CASA ratio means 40% of the bank’s deposits are from savings/current accounts – more low-cost funds for lending!
> NPA (Non-Performing Assets) = Loans the bank can’t recover.
📉 Example: If a borrower doesn’t repay the loan for 90 days, it becomes an NPA, meaning the bank earns nothing from it. Higher NPAs = trouble for banks!
What are your thoughts? 😎 👇
Check the image above to see how ICICI Bank is performing compared to it's peers 👆
> Net Interest Margin (NIM) is like a bank’s profit on loans!
💰 It shows how much a bank earns from lending after paying interest on deposits
📊 Example: If a bank earns ₹10 on loans but pays ₹6 on deposits, NIM is 4%. Higher NIM = better profits!
> CASA Ratio measures how much of a bank's money comes from low-cost deposits (savings & current accounts)
🔑 Example: A 40% CASA ratio means 40% of the bank’s deposits are from savings/current accounts – more low-cost funds for lending!
> NPA (Non-Performing Assets) = Loans the bank can’t recover.
📉 Example: If a borrower doesn’t repay the loan for 90 days, it becomes an NPA, meaning the bank earns nothing from it. Higher NPAs = trouble for banks!
What are your thoughts? 😎 👇