ICICI- A private bank

SEMINAR ON

ICICI BANK Ltd.

BANKINGINDUSTRY:

AN OVERVIEW

CategorizationReserve Bank of India

Regional Rural Banks

Co-operative

Banks

Commercial Banks

Regional Rural BanksThe Regional Rural Banks or RRBs mobilize financial resources from rural / semi-urban areas and grant loans and advances mostly to small and marginal farmers, agricultural laborers and rural artisans.

For example:•Andhra Pradesh Gramin Vikas Bank•Jammu Rural Bank•Nagaland Rural Bank

Co-operative BanksA co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. Co-operative banks are often created by persons belonging to the same local or professional community or sharing a common interest.

For Example:•The Goa State Co-operative Bank Limited•The Gujarat State Co-operative Bank Limited•The Haryana State Co-operative Bank Limited

COMMERCIAL BANK

A commercial bank is an institution which accepts deposits, makes business loans and offers related services.

A few examples of Commercial Banks are listed as follows: Canara Bank, IDBI, Syndicate Bank, Standard Chartered, etc.

Private Bank

Commercial Bank

Public Bank

Public sector banks are those banks in which there are numerous partners or shareholders, and they elect from their own body a certain number, who are in trusted with its management.

For e.g. Allahabad Bank,Bank Of Baroda,Oriental Bank of Commerce, etc.

Private sector banks are those banks in which there are but few partners, and these attend personally to it’s management

For e.g.HDFC BankICICI Bank

HDFC Bank AXIS Bank ICICI Bank Vijaya Bank Bank of Punjab Bank of Rajasthan Catholic Syrian

Bank Centurian Bank City Union Bank

Dhanlakshmi BankDevelopment Credit BankFederal BankHDFC BankICICI BankIndusInd BankING Vysya BankJammu & Kashmir Bank

Karnataka BankSouth Indian BankUTI BankUnited Western Bank

PRIVATE BANKING PLAYERS

Industrial Credit and Investment Corporation of India (ICICI) is the second largest bank.

It was incorporated in Baroda on 5th jan1994

The chairman of the company is Mr. K.V. Kamath and the MD & CEO is Chanda D. Kochhar.

INTRODUCTION

WE will leverage our people, technology, speed and financial capital to:

Be the banker of first choice for the customers by delivering high quality, world class products and services.Expand our frontiers of our business globally.

Play a pro active role in the full realization of India's potentialMaintain a healthy financial profile and diversify our earnings

across business and geographies.Maintain high standards of governance and ethics.

Contribute positively to the various countries and markets we operate.

Create value for our stakeholders.

MISSION

Mr. Chanda D Kochhar ------------ CEO and Managing DirectorMr. K V Kamath ----------- ChairmanSandeep Bakshi ----------- Deputy Managing DirectorN.S.Kannan ----------- Executive Director & CFOK. Ramkumar ----------- Executive DirectorMr. Narendra Murkumbi ------------ Director Mr. Madhabi Puri Buch ------------ Executive director Mr. P M Sinha ------------ Director Mr. M K Sharma ------------ Director Mr. Sonjoy Chatterjee ----------- Executive director Mr. Anupam Puri ----------- Director Mr. T S Vijayan ------------ Director Mr. N Vaghul ----------- Director Mr. Marti G Subrahmanyam ----------- Director Mr. Sridar Iyengar ------------ Director Mr. Lakshmi N Mittal ------------ Director Mr. V Prem Watsa ------------ Director

Organization Structure

HISTORYICICI was originally promoted in

1994 by ICICI ltd.ICICI’s shareholding in ICICI bank

was reduce to 46% through a public offering of shares in India in 1998.

ICICI was formed 1955 at the initiative of world bank, the government of India and representative of Indian industry.

BANKING BUSINESS STRUCTURE

Retail Banking Group - has been organized into four geographies for retail sale and service architecture.

Wholesale banking group consist of corporate banking group, commercial banking group and etc.

ICICI Allied ServicesICICI Prudential Life Insurance Ltd.

ICICI Lombard General Insurance Ltd.

ICICI Securities Ltd.

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank and Prudential plc. which is a British company.

ICICI Prudential began the operations in December 2000.

ICICI prudential is having product portfolio which consists several plans

e.g. Education insurance plan, Wealth creation plan, Lifetime gold plan, Invest shield cash bank, etc.

ICICI Prudential has been voted as India's Most Trusted Private Life Insurer for three consecutive years.

ICICI prudential

ICICI lombardI. ICICI Lombard GIC Ltd. is a joint

venture between ICICI Bank Limited and Fairfax Financial Holdings Limited.

II. ICICI Lombard allows instant policy issuance

Car Insurance, Health Insurance,Travel Insurance, etc

ICICI Securities LimitedICICI Securities Limited is a share broking firm which provides Demat account service for share trading on NSE and BSE.

Customers can buy and sell shares through their demat account which provides online services.

It also has team of research experts which guides the customers regarding share market scenario and also suggest which share they should buy or sell.

Assam Andhra Pradesh Bihar Chandigarh Chhattisgarh New Delhi Goa Gujarat Haryana

ICICI branches are open at the following states:

Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur

Meghalaya

Orissa Pondicher

ry Punjab Rajasthan Tamil

nadu

ICICI branches

Global Reach

PRODUCT PORTFOLIO

ICICI OFFERS

DEPOSIT LOAN

CARD LIFEINSURANCE

Types Of Accounts:

Saving account

Life plus senior citizen saving

account

Young star

saving account

Fixed Deposits

Recurring

Deposits

LOANS•Home Loans

•Personal Loans

•Car Loans•Commercial Vehicle Loans

•Farm Equipment Loans

•Business Installment Loans

CARDSCredit Card

Travel Card

Debit Card

Commercial Cards

Merchant Services

Companies Revenue in 2009 Rs.59,599.77crore (US $12.93 billion).

Operating Income in 2010 Rs.6578.64crore(US $1.43billion).

Total Asset in 2010 US $100.10billion.

Company acquire 30% of the market share of all the banking sector.

Growth & Development

Awards ICICI BANK has received 2010 world finance UK

award for : I. Excellence in remittance business, worldwide.

II. Excellence in NRI services, worldwide.III. Excellence in private banking business , APAC region.

ICICI bank UK ,Hi SAVE has been awarded ‘best online savings account provider 2010’ ,by your money direct consumer awards,

UK .

ICICI Bank UK, Hi SAVE has been commended for ‘ best internet account provider 2010’ and ‘fixed rate account provider 2010’ by

money facts , an independent consumer finance leading aggregator.

For the sixth time in a row, ICICI bank has received the most preferred auto loan brand in the financial services category at

CNBC consumer awards.

Achievements

1. In 1991, ICICI become the first Indian company and the first bank or financial institution from non –Japan asia to be listed on

the NYSE.

2. ICICI Bank and two-wheeler maker TVS MOTOR CO. , are the two Indian firms selected for the 2008 symantic visionary awards for the way they secure and manage system and

information.

3. As against the capital to risk weighted assets ratio (CRAR) of the ICICI bank at 13.97%, the SBI had a CRAR of 12.64% and

HDFC 13.60%.

ICICI bank has won the best local bank by trade and

ICICI bank has won the best trade finance bank and best foreign exchange bank , India at the finance asia country awards for

achievement, HONG KONG.

ICICI bank wins the Asian banker award for the best banking security system.

ICICI BANK was awarded the Asian banker achievement award 2009 for cash management in India.

Future prospects of ICICI bank To be the leading provider of financial services in

India and a major global bank. To be the preferred brand for total financial and banking solutions for both corporates and individuals To be the dominant Life, Health and Pensions player built on trust by world- class people and service.

This we hope to achieve by:•

Understanding the needs of customers and offering them superior

products and service.Leveraging technology to service customers quickly, efficiently and conveniently.Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders. Providing an enabling environment to foster growth and learning for our employees

India’s future in banking industry 1. The industry currently is in a transition phase2. In a span of just four years, ICICI Bank has

emerged as a consumer banking behemoth. With a retail book of over Rs 56,000 crore (Rs 560 billion) and a market share that is the envy of competition -- it has a share of over 30 percent -- ICICI Bank today has reached a commanding position

3. ICICI bank now is widely seen as a sophisticated bank able to take on many global banks in the Indian market. The bank is expanding in overseas markets.

4. The global opportunity spectrum is changing dramatically, and in the next 3 years, our global business will contribute one-third of our book --topline and bottomline. Today it's about 10-12 per cent. The NRI is a great customer and the other is the Indian corporate who is globalising -- either in the trade business or is setting up businesses abroad.

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THANK YOU !!