{"id":3857,"date":"2024-03-07T11:14:55","date_gmt":"2024-03-07T11:14:55","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?p=3857"},"modified":"2025-02-25T08:49:29","modified_gmt":"2025-02-25T08:49:29","slug":"icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis","status":"publish","type":"post","link":"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/","title":{"rendered":"ICICI Bank Case Study: Financials, KPIs, Growth Strategies, and SWOT Analysis"},"content":{"rendered":"\n<p>Financial Institutions are the backbone of the Indian economy as they accept funds from depositors and lend to those in need; this facilitates the flow of currency and thus helps the country move ahead.&nbsp;<\/p>\n\n\n\n<p>Indian banks have played a crucial role in growing the GDP to 3.6 Trillion USD (As of Feb 24), making it essential to know about the situation of the banking industry. Therefore, in today\u2019s blog, we\u2019ll be talking about ICICI Bank, which constitutes almost 25% of the Bank Nifty Index (As of Feb 24).&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/#ICICI_Bank_Overview\" title=\"ICICI Bank Overview\">ICICI Bank Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/#Strategy_and_Growth_of_ICICI_Bank\" title=\"Strategy and Growth\u00a0of ICICI Bank\">Strategy and Growth\u00a0of ICICI Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/#SWOT_Analysis_of_ICICI_Bank\" title=\"SWOT Analysis of ICICI Bank\">SWOT Analysis of ICICI Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/icici-bank-case-study-financials-kpis-growth-strategies-and-swot-analysis\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-icici-bank-overview\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Overview\"><\/span>ICICI Bank Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Industrial Credit and Investment Corporation of India (ICICI) was a government entity established on the 5th of January 1994. Sir Arcot Ramasamy Mudaliar was elected as the first Chairman of ICICI Ltd. It is a multinational company and financial services company headquartered in Mumbai.<\/p>\n\n\n\n<p>It offers several services in the sector of banking and finance for corporate entities and retail customers via a variety of delivery channels and specialized subsidiaries, including but not limited to investment banking, life insurance, non-life insurance, loans and venture capital.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><tbody><tr><td>Full Name<\/td><td>Industrial Credit and Investment Corporation of India<\/td><\/tr><tr><td>Company Type<\/td><td>Listed<\/td><\/tr><tr><td>Industry<\/td><td>Finance and Banking services<\/td><\/tr><tr><td>Founded<\/td><td>1994<\/td><\/tr><tr><td>Headquarter<\/td><td>Mumbai, Maharashtra<\/td><\/tr><tr><td>Products offered<\/td><td>Consumer banking, Commercial banking, Insurance, Credit cards, Investment Banking, Mortgage loans, Private banking, Private equity, Investment Management, Asset management, Mutual funds, Wealth management, etc.<\/td><\/tr><tr><td>Subsidiaries<\/td><td>ICICI Prudential Life Insurance, ICICI Lombard, ICICI Securities, ICICI Direct, ICICI Home Finance Company<\/td><\/tr><tr><td>Presence<\/td><td>5,900 Branches and 16,650 ATMs<\/td><\/tr><tr><td>Key people<\/td><td>Girish Chandra Chaturvedi (Chairman)Sandeep Bakhshi (MD &amp; CEO)&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana.png\" alt=\"ICICI bank\" class=\"wp-image-3597\" style=\"aspect-ratio:1.3333333333333333;object-fit:cover;width:464px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Manage-money-pana.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-highlights-for-fy2022-23\">Key Highlights for FY2022-23:<\/h3>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Total Deposits stood at \u20b9&nbsp; 11,808 billion, and Total Advances were \u20b9&nbsp; 10,196 billion.<\/p>\n\n\n\n<p>\u25cf&nbsp;     Net Interest Margin (NIM) is 4.48%, and Net Interest Income (NII) is \u20b9&nbsp; 621 billion.<\/p>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Profit before tax, excluding treasury gains, reached \u20b9 424.73 bn in FY2023.<\/p>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Core operating profit stood at \u20b9 491.39 bn in FY2023.<\/p>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Provisions and contingencies were \u20b9 424.73 bn in FY2023.<\/p>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Average current account deposits grew up 1.9% y-o-y to reach \u20b9 1,614.86 billion.<\/p>\n\n\n\n<p>\u25cf&nbsp; &nbsp; &nbsp; Average saving deposits grew up 5.5% y-o-y to reach \u20b9 3,797.76 billion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-data-points-for-icici\">Key Data Points for ICICI<\/h3>\n\n\n\n<p>Let\u2019s have a look at the statistical data of the company:<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><tbody><tr><td>Market Cap<\/td><td>\u20b9 7,69,828 cr.<\/td><\/tr><tr><td>Current Price<\/td><td>\u20b9 1,097<\/td><\/tr><tr><td>Stock P\/E<\/td><td>18.2<\/td><\/tr><tr><td>52 Week High \/ Low<\/td><td>\u20b9 1,114 \/ 810<\/td><\/tr><tr><td>ROCE<\/td><td>6.32 %<\/td><\/tr><tr><td>ROE<\/td><td>17.2 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(As of 6 March 2024)<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><tbody><tr><td>Net Interest Margin (NIM)<\/td><td>4.14%<\/td><\/tr><tr><td>CASA Ratio<\/td><td>45.84%<\/td><\/tr><tr><td>Total Capital Adequacy Ratio<\/td><td>18.34%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(As of 31 March 2023)<\/figcaption><\/figure>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/axis-bank-vs-icici-bank-analysis-of-private-sector-banks\/\">Axis Bank vs ICICI Bank: Analysis of Private Sector Banks<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-strategy-and-growth-of-icici-bank\"><span class=\"ez-toc-section\" id=\"Strategy_and_Growth_of_ICICI_Bank\"><\/span>Strategy and Growth\u00a0of ICICI Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strategy\">Strategy<\/h3>\n\n\n\n<p>In 2023, Indian equities emerged as outperformers in the global space, particularly in the mid and large-cap space, while facing rising international policy rates, volatile community rates, and geopolitical tensions. During all this turbulence, ICICI stayed consistent and remained the 2nd largest private bank in India after HDFC Bank. Here are some of the strategies implemented by them.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-credit-growth\"><strong>\u25cf<\/strong> Credit Growth:<\/h4>\n\n\n\n<p>Loans are the primary revenue drivers for the bank and help to enhance the growth in the market. ICICI Bank has increased its domestic loan book by 20.5% y-o-y to reach \u20b9 9855.28 bn. In FY23, the bank\u2019s total advances grew by 18.7% y-o-y to reach \u20b9 10,196.38 bn, and Overseas Book reached \u20b9 341.1 bn.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro.png\" alt=\"Credit cards issued by ICICI\" class=\"wp-image-3498\" style=\"aspect-ratio:1.3333333333333333;object-fit:cover;width:371px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Credit-card-bro.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-deposit-growth\">\u25cf <strong>Deposit Growth:<\/strong><\/h4>\n\n\n\n<p>In FY23, deposits increased by 11% y-o-y to reach \u20b9 11,808.41 bn. Overall, the average CASA deposit growth was 13.3%.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-capital-adequacy\"><strong>\u25cf<\/strong> \u00a0Capital Adequacy:<\/h4>\n\n\n\n<p>Capital Adequacy stood at 18.34% for FY23, 19.16% for FY22 and 19.12% for FY21. Thus indicating a healthy margin over the RBI-mandated percentage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-profit-after-tax-pat\"><strong>\u25cf<\/strong> Profit After Tax (PAT):<\/h4>\n\n\n\n<p>Profit after tax increased to \u20b9 318.96 bn, growing at 36.7%.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-did-you-know\"><em>Did you know?<\/em><\/h3>\n\n\n\n<p><em>ICICI Bank has supported over 400 hospitals, benefitting over 1.5 million people by fostering healthcare facilities and infrastructure.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1.png\" alt=\"SWOT of ICICI\" class=\"wp-image-3646\" style=\"aspect-ratio:1.3333333333333333;object-fit:cover;width:441px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2024\/02\/Swot-analysis-rafiki-1.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-swot-analysis-of-icici-bank\"><span class=\"ez-toc-section\" id=\"SWOT_Analysis_of_ICICI_Bank\"><\/span>SWOT Analysis of ICICI Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strengths\">Strengths<\/h3>\n\n\n\n<p>\u25cf\u00a0 ICICI Bank has a presence in 19 countries. Thus making it easier for it to expand further.<\/p>\n\n\n\n<p>\u25cf\u00a0 In FY23, ICICI had a nationwide network of 5,900 branches and 16,650 ATMs.\u00a0\u00a0<\/p>\n\n\n\n<p>\u25cf\u00a0 ICICI boasts about a robust infrastructure with a meagre crash rate. ICICI hosts 1.5 million active users on its banking app InstaBIZ, the value of which grew 22% in FY23.<\/p>\n\n\n\n<p>\u25cf\u00a0 This bank enjoys a strong brand identity due to its vast branches and ATM network.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-weaknesses\">Weaknesses<\/h3>\n\n\n\n<p>\u25cf  ICICI Bank faces tough competition from SBI and HDFC bank, making it difficult for ICICI to improve its ranking beyond the current position of 3rd largest bank in India (in terms of deposits).<\/p>\n\n\n\n<p>\u25cf\u00a0 The banking industry, in general, saw massive corrections in FY23 as the bull run of 2021-2022 seems to be coming to an end. This can be noticed by comparing Nifty Bank returns with other indices; Nifty Bank grew around 15% while Nifty Pharma grew at 63% (in FY23).\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-opportunities\">Opportunities<\/h3>\n\n\n\n<p>\u25cf\u00a0 While it may seem difficult for ICICI to outgrow SBI and HDFC, it is still possible via implementing fast growth strategies such as expansion in tier 3, M&amp;A, etc.\u00a0<\/p>\n\n\n\n<p>\u25cf\u00a0 ICICI\u2019s penetration into the Tier 3 segment of India remains limited; they can gain considerable market share if they focus on substantially improving customer service in Tier 3.\u00a0\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-threats\">Threats<\/h3>\n\n\n\n<p>\u25cf\u00a0 Policies impact the banking industry significantly, any unanticipated changes in the monetary policy can cause substantial damage to the bank\u2019s KPIs.<\/p>\n\n\n\n<p>\u25cf\u00a0 The bank has grown considerably in the last decade, this was made possible due to the brilliant policies and strategies of the management. But, the banking industry is extremely volatile and failure to adapt quickly could erode all the success.<\/p>\n\n\n\n<p>\u25cf\u00a0 NBFCs and Fintechs have seen a massive uptrend in the past few years. This trend will likely continue and potentially revolutionize the banking industry as we know it. This could substantially affect the business\u2019s bottom line figures.<\/p>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/yes-bank-case-study\/\">Yes Bank Case Study: Business Model, Financial Statement, SWOT Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In summation, we evaluated the business, growth strategy, and financials of ICICI Bank. As of February 2024, It is the 2nd largest bank in the nation in terms of Market capitalization and represents a strong position to capture market share amidst the growing demand for credit in the upcoming years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Is ICICI the largest bank in India?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">ICICI Bank is the 2<sup>nd<\/sup> largest bank in India in terms of Market Capitalization.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Who is the CEO of ICICI Bank?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">Sandeep Bakhshi heads ICICI Bank as the MD and CEO.\u00a0<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>What is ICICI Bank known for?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">ICICI Bank offers corporate and retail customers a wide range of banking products and financial services through various delivery channels and its group companies.<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>Is ICICI Bank a Private Bank or a Government Bank?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">ICICI Bank is a Private sector bank.\u00a0<\/p><li style=\"list-style-type: none\"><h3 class=\"\"><strong>What is the full form of ICICI?<\/strong><\/h3><p class=\"saswp-faq-answer-text\">The ICICI stands for Industrial Credit and Investment Corporation of India.<\/p><\/ul><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial Institutions are the backbone of the Indian economy as they accept funds from depositors and lend to those in need; this facilitates the flow of currency and thus helps the country move ahead.&nbsp; Indian banks have played a crucial role in growing the GDP to 3.6 Trillion USD (As of Feb 24), making it [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3861,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"is_paper_insight":false,"paper_insight_image":0,"paper_insight_pdf":0,"paper_insight_ppt":0,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-3857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-study"],"acf":{"freelancer":"Aishwarya Yadav"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - 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