ICICI Bank Limited IBN

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
63/100
Moderate

Ranked against 399 peers in Banks - Regional

About ICICI Bank Limited

ICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to retail and corporate customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, General Insurance, and Others segments. It offers savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as … Full IBN analysis →

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.75).
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.62).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.35).
  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.28).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
73
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where IBN ranks in Banks - Regional

ICICI Bank Limited ranks #107 of 393 scored companies in Banks - Regional by moat score — the top 27%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
103 SB Financial Group, Inc. SBFG 63/100 Moderate
104 Ames National Corporation ATLO 63/100 Moderate
105 Pinnacle Financial Partners, In PNFP 63/100 Moderate
106 First Business Financial Servic FBIZ 63/100 Moderate
107 ICICI Bank Limited IBN 63/100 Moderate
108 Sierra Bancorp BSRR 63/100 Moderate
109 QCR Holdings, Inc. QCRH 63/100 Moderate
110 Fifth Third Bancorp FITB 62/100 Moderate
111 Fifth Third Bancorp - Depositar FITBI 62/100 Moderate

See every Banks & Lenders company ranked by moat score →

How IBN scores on the Bank Specialized defenses

Deposit Franchise

Score 73 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 58 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 59 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 65 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 56 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 62 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding IBN's moat

What is ICICI Bank Limited's moat score?

ICICI Bank Limited (IBN) scores 63 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #107 of 393 scored companies in Banks - Regional, the top 27%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Deposit Franchise (73/100) and its weakest is Revenue Diversification (56/100).

How does ICICI Bank Limited compare with other Banks - Regional companies?

ICICI Bank Limited ranks #107 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are First Business Financial Servic (FBIZ) at 63 just above it and Sierra Bancorp (BSRR) at 62 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is ICICI Bank Limited scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for ICICI Bank Limited?

The Bank Specialized template measures 6 defenses, and IBN scores: Deposit Franchise (73), Lending Advantage (58), Capital Strength (59), Cost Discipline (65), Revenue Diversification (56), Risk Management (62). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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