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2Hum Hai Na

BY - Aditya VajpayeePRESENTATION
http://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svg


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3Hum Hai Na

HISTORY & BACKGROUND

5 YEAR PERFORMANCE

AWARDS & RECOGNITION INITIATIVES

MISSION, VISION & VALUES

FUTURE PLANNING & CHALLENGES

MARKETING STRATEGYCONCLUSION

AGENDA


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KEY PERSONS

CHAIRMAN-

K.V. KAMATH

M.D. & CEO-

CHANDA KOCHHAR

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HISTORY

Founded in 1955.

Incorporated at the initiative of World Bank, GOI & Representatives ofIndustry.

Objective was to provide financial assistance to Business projects.

Earlier known as Industrial Credit & Investment Corporation of India.

Hum Hai Na

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OVERVIEWOffers a wide range of products & financial services.

ICICI BANK- Second largest bank.

ICICI PRUDENTIAL- Largest private sector insurance company.

ICICI LOBARD- Largest private sector general insurance company.

ICICI SECURITIES- Largest equity house in the country.

ICICI PRU AMC- Third largest mutual fund.

ICICI VENTURE- One of the largest private equity firms.

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Indias second largest bank.

Biggest private sector bank.

Introduced the concept of DSA & DST.

Focus on retail banking as a driver for growth.

Introduced the concept of branding in Indian

HQ BANDRA KURLA COMPLEX, MUMBAI

Hum Hai Na7

Banking Industry.
http://en.wikipedia.org/wiki/File:Icici-bandra_kurla_complex.jpghttp://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svghttp://en.wikipedia.org/wiki/File:Icici-bandra_kurla_complex.jpg


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0

50000

100000

150000

200000

250000

300000

350000

2006 2007 2008 2009 2010

R & S

Net Assets

Loan Funds

Hum Hai Na

LAST 5 YEAR PERFORMANCE

Rs. crore


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9Hum Hai Na

LAST 5 YEAR PERFORMANCE

0

5000

10000

15000

20000

25000

30000

35000

40000

45000

2006 2007 2008 2009 2010

Income

Expenses

Profit

Rs. crore


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Hum Hai Na 10

Loans

Fixed &

other assets

Investments

Share

holder

fundsDeposits

Borrowings

ICICI HOME FINANCE

Total assets/liabilities: Rs. 128.15bn Net Profit of Rs. 1.61bn in FY2010 as compared to Rs.1.43bn in FY2009

Capital Adequacy Ratio of 15.3% on March31, 2010

Net NPA ratio: 1.29%

10%

3%

87%

62% 10% 28%


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Hum Hai Na

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Overseas

Rural

Domestic

SME

Retail

25%

10%

Vehicle

Secured

Personal

Credit card

Home

27%

2%

6%

5%

Compositionof Loan book, As on March, 2010

18%4%

43%

60%

Total loan book: Rs.1812bn Total retail loan book: Rs. 790bn

Vehicle loan contains auto loan 10%, commercial business 6% & two wheeler 1%.

Retail business group includes builder loan & dealer funding of Rs. 40.26bn.


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Hum Hai Na

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Federally insured

mortgage

India liinked

investments

Cash & liquid

securities

Other assets &

investments

Assets backed

securities

Loans to customers

58%

10%

3%

21%

6%

2%

ICICI Bank CANADA assets profile

Total Assets: CAD 5.7bn


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Hum Hai Na

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loans & advances

cash & liquid

securities

other assets & inv

assets backed sec

india linked inv

bond/notes of fin.

Inst.

19%

52%

5%

2%5%

17%

ICICI Bank UK assets profile

Total assets: USD 7.4bn


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Hum Hai Na

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Retail loans

Other assets &

investments 6%

Loans to corporates

Corporate Bonds

Cash & liquid

securities

16%

40% 6%

4% 34%

ICICI Bank EURASIA assets profile

Total liabilities: USD 406mn


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"HUM HAI NA"

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INITIATIVES

ICICI foundation for inclusive growth

ICICI groups financial inclusive initiatives

Disha counseling

Technology finance group

Read to lead campaign

Go Green. Each one for a better earth


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"HUM HAI NA"17

VISION

To be the leading provider of financial services in India & a global player.

MISSION

Perfection in Power

We will leverage our people, technology, speed & financial capital to:

1. Be the banker of first choice for our customers by delivering high

quality, world class products & services.2. Expand the frontiers of our business globally.

3. Maintain high standards of governance & ethics.4. Create value for our stake holders.


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"HUM HAI NA"

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VALUES


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"HUM HAI NA"19

FUTURE PLANNING & CHALLENGES

To revive growth after the sub-prime crisis

To increase its presence across India through mergers.

To restore customers faith

To maintain its brand & position of its subsidiaries

To capitalize on its strength i.e. maintain its place globally

To reduce the operating expenses, NPL &NPA.


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ICICI LIFE

FY2011: NON BANKING SUBSIDIARY

ICICI LOMBARD

ICICI AMC

ICICI

SECURITIES

Maintained position as the largest private sector life

insurer with continued focus on profitability

Focus on maintaining leadership, while improving

underwriting profitability

Maintain market position among top three mutual

fund

Capitalize on retail broking platform & market

opportunities to increase revenues & profitability

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Growth then & now

OPERATING

ENVIRONMENT

High volatility

Economic slowdown

Weak Business

sentiment

Revival in growth

Strong growth

momentum

Policy tightening

Countered by

monetary & fiscal

measures

Abundant liquidity,

low yield & price

competition

Credit demand

expected to increase

in retail &infrastructure sectors

FY2009 FY2010 FY2011


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STRATEGY

FY2010 FY2011

Position thebalance sheet for

growth

Resume balance sheet growth

4Cs: CASA,

Credit quality, cost& capital

While continuing focus on 4 Cs, leverage

economic recovery, expanded branch network &rebalanced funding mix to grow the balance sheet

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Other Subsidiaries

Profit after Tax FY2009 FY2010

ICICI Securities ltd 0.04 1.23

ICICI Venture 1.48 .51

ICICI Prudential Asset

Mgt Company

.01 1.28

ICICI General .24 1.48

Hum Hai Na

Continued market leadership in private sector


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CAPITAL ADEQUACY RATIO

Hum Hai Na

TIER-1 14%

TIER-2 5.4%

TOTAL (CAR) IS 19.4% = Rs.571.2bn


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Hum Hai Na

MARCH 09 MARCH 10

ICICI PRU 34 35ICICI HOME FIN 11.12 11.12

ICICI

LOMBARD

10.96 10.96

ICICI BANK

EURASIA

3.00 3.00

ICICI BANK

CANADA

33.50 33.50

ICICI BANK UK 23.25 23.25

ICICI SEC .87 .87

ICICI SEC LTD 1.58 1.58

ICICI VENTURE .05 .05

OTHERS .14 .14

TOTAL 120.97 122

EQUITY INVESTMENTS

IN SUBSIDIARIES

Rs. In bn


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COMPOSITION OF BORROWING

Hum Hai Na

Domestic March 2009 March 2010

Capital instruments 241 318

Other borrowings 138 14

Overseas March 2009 March 2010

Capital instruments 17.16 15.20

Other borrowings 534 461

Rs. In bn


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BRANCH AS

PRIMARY

CHANNEL

FY2011: Reorganizing for customer centrity

FROM

PRODUCT

FOCUS TO

CONSUMERFOCUS

Retail business reorganized around geographies &

customer segments

Enhanced decision making ability at branches

Sales & service orientation

Segment-specific strategies & value proposition encompassing

both asset & liability relationship

2006 2007 2008 2009 2010

Branches 614 755 1262 1419 2029

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0

0.5

1

1.5

2

2.5

3

FY-06 FY-07 FY-08 FY-09 FY-10Cost/A

verageassets

Rs.bn FY-06 FY-07 FY-08 FY-09 FY-10

Operating& DMA*

expenses

45.25 65.02 79.72 68.85 57.18

*DMA- Direct Marketing Agency

16.1% YOY reduction in operating expenses in FY2010

Stringent cost

reduction

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0

100

200

300

400

500

600

Mar- Mar- Mar- Mar- Mar- Mar- Mar- Mar-

03 04 05 06 07 08 09 10

CAGR- 46%

Savi

ngdeposits(Rs.bn)

Mar-

03

Mar-

04

Mar-

05

Mar-

06

Mar-

07

Mar-

08

Mar-

09

Mar-

10

CASA

ratio

15.5% 23% 24.3% 22.7% 21.8% 26.1% 28% 48%

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Whole sale

Banking

Infrastructure & other project finance

Commercial Banking

Mid-Corporate & SME segments.

RetailBanking

Leverage expanded branch infrastructureSecured Retail loans(mortgage & vehicle

loans)

Selective growth in personal loans and

credit cards

FY- 2011 GROWTH STRATEGY


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TARGETS ON4C ACHIEVED

PROGRESS IN EXECUTION OF STRATEGY

Robust growth in CASA deposit

Reduction in operating expenses

Sharp reduction in retail NPL formation

Well capitalized for sustained growth

Well positioned to participate in emerging opportunities

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"HUM HAI NA"

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MARKETING STRATEGY

To make its presence more prominent

Focus on credit quality

To create awareness about products through advertisement

To maintain its brand of a global bank


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"HUM HAI NA"

BASIS FOR SEGMENTATION

OCCUPATION

Different products for different occupation identified

INCOMEMinimum balance serves as income barrier

GEOGRAPHICAL

Concentrated on tier-1 & tier-2 cities, extending its reach

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"HUM HAI NA"

34

A man strolls down a beach, "Zindagi naam

hai,mushkil ko aasaan banaane ka. Z A man

strolls down a beach, "Zindagi naam hai,

mushkil ko aasaan banaane ka

Cut to a house, a man addresses the

members,I am Ajay Sharma from ICICI.

Ma'am your home has been sanctioned.

Amitabh Bacchan turns to face the camera,

"Bas. Ek bharosemand saathi hona

chahiye."

MVO: "Saathi jo zindagi ko aasan banaaye."

Super: 'ICICI Group. Saral. Surakshit.

Samajhdar

ADVERTISING


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ADVERTISING

A couple enter ICICI Bank and are

served coffee as they wait to

open an account

Super: How long does it take to open an

account with ICICI Bank?

The man takes a swig from his cup... Super:

Before your coffee goes cold. The executive

smiles at their

... disbelief and hands over the documents.

VO: Have you opened an ICICI Bank

account as yet?

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ADVERTISING

Hum Hai Na


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NUMBER 1 BANKING BRAND IN INDIA

Hum Hai Na


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NUMBER 1 BANKING BRAND IN INDIA

Hum Hai Na


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Hum Hai Na

CONCLUSION

To be more costumer oriented

Keep innovating with its products

To play a prominent role in the development of India


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H H i N

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