In fiscal year 2021, ICICI Bank in India had a credit to deposit ratio of nearly 19 percent, down from around 83.7 percent in fiscal year 2020. The overall CD ratio of private sector banks in the country stood at around 82 percent that year.
The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of a bank's core funds are being used for lending. A very high ratio indicates pressure on resources as well as capital adequacy issues, while a very low ratio can mean that the bank is not using its available resources optimally.
Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021
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Indian Banks' Association. (August 13, 2021). Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021 [Graph]. In Statista. Retrieved September 02, 2024, from https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021." Chart. August 13, 2021. Statista. Accessed September 02, 2024. https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/
Indian Banks' Association. (2021). Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021. Statista. Statista Inc.. Accessed: September 02, 2024. https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to Deposit Ratio of Icici Bank in India from Financial Year 2017 to 2021." Statista, Statista Inc., 13 Aug 2021, https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/
Indian Banks' Association, Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021 Statista, https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/ (last visited September 02, 2024)
Credit to deposit ratio of ICICI Bank in India from financial year 2017 to 2021 [Graph], Indian Banks' Association, August 13, 2021. [Online]. Available: https://www.statista.com/statistics/1070341/india-icici-bank-credit-to-deposit-ratio/