8/15/2019 Project of Icici Bank http://slidepdf.com/reader/full/project-of-icici-bank 1/39 TABLE OF CONTENTS ♦ Preface ♦ Acknowledgement ♦ Certicate ♦ Declaration by te Candidate TOPIC NAME PAGE NO. CHAPTER – 1 INTRODUCTION (A) COMPANY PROFILE (B) HISTORY (C) KEY PERONS CHAPTER – 2 OBJECTIVE CHAPTER – 3 RESEARCH METHODOLOGY (A) TYPE OF RESEARCH (B) SOURCE OF RESEARCH CHAPTER – 4 PRODUCT & SERVICE DETAILS CHAPTER – 5 WORKING CAPITAL MANAGEMENT CHAPTER – 6 DATA ANALYSIS AND INTERPRETATION CHAPTER – 7 SWOT ANALYSIS CHAPTER – 8 LIMITATION CHAPTER – 9 SUGGESTION AND CONCLUSION CHAPTER – 10 BIBLIOGRAPHY CHAPTER – 11 QUESTIONNAIRE INTRODUCTION: 1
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1ccording to ;reen and /all H1 research design is the specification of the methods and
proced0res for ac<0iring the information needed. It is the o2erall operational pattern or
framework of the proFect that stip0lates which information is to be collected, from where it is
to be collected and by what proced0res
/his research process based on primary data analysis and secondary data analysis will be
clearly defined to meet the obFecti2es of the st0dy.
I chose the primary so0rces to get the data. 1 <0estionnaire was designed in accordance with
o0r mentor in ICICI B1= . I chose a sample of abo0t " corporate c0stomers aro0nd the
%agar City from which I can get the instant information of whose analysis will gi2e me the
desired o0tcome of my research proFect.
I collected some data from the secondary so0rces like p0blished Company doc0ments,
internet etc.
Research Design
H1 research design is the arrangement of conditions for collections and analysis of data in amanner that aims to combine rele2ance to the research p0rpose with economy in proced0res.
It is a descripti2e cross sectional design .It is the concept0al str0ct0re with in which research
is cond0ctedJ it constit0tes the bl0eprint for the collection, meas0rement and analysis of data.
It is needed beca0se it facilitates the smooth sailing of the 2ario0s research operations,
thereby making research as efficient as possible yielding maimal information with minimal
ependit0re of effort, time and money.
In the preliminary stage, my research stage constit0ted of eploratory st0dy by which it is
clear that the eistence of the problem is ob2io0s .%o, I can directly head for the concl0si2e
research.
Sampling Plan
H%ampling plan is a distinct phase of research process. In this stage I ha2e to determine who
is to be sampled, how large sho0ld be the needed sample and how sampling 0nit is to be
logging in to their acco0nt at www.icicibank.com. /he c0stomers can check their balance,
pay their bills, transfer f0nds or e2en pay their taes sitting at their desk.
Card Power.
8or c0stomer:s con2enience, ICICI Bank's RC1 comes with a powerf0l 7ebitK1/* card that
allows the c0stomers to deposit and withdraw cash at o2er +((( ICICI Bank 1/*s, pl0s o2er
(,((( ?I%1 1/*s. /he c0stomers can also check their balance, 2iew mini acco0nt
statement, and transacts at 2ario0s (,((( merchant establishments across the co0ntry.
*obile Banking.
=ow the entire c0stomer:s need to keep in to0ch with their acco0nt thro0gh their mobile.
%ign 0p for alerts on daily balance, che<0e clearing alerts or bo0nced che<0e alerts
Card-to-Card /ransfer
/ransfer f0nds for free from the c0stomer:s eisting ICICI Bank acco0nt to any ?isa Card
#debit or credit) in India. /hey can e2en pay their ?isa credit card bill thro0gh this facility
a2ailable on www.icicibank.com
8ree daily email statement
C0stomers can get a daily email detailing yo0r their ICICI Bank c0rrent acco0nt transactions
and balance. %0b scribal to this ser2ice is free.
usiness "oans'
*oney, F0st when c0stomer needs it
1s a growing entreprene0r, ICICI know how 2al0able time is for people. People are
constantly thinking of growth and managing their b0siness. 1t ICICI Bank, they think of thesame when it comes to c0stomer:s b0siness. ICICI:s %mart B0siness 5oan is the easy access
to money. C0stomers can get 0p to Rs. +" lacks as an A2erdraft or a B0siness Instalment
5oan with no collaterals and faster t0rnaro0nd time.
• ICICI pro2ide loan for almost all office e<0ipment incl0ding@
• I/ prod0cts like personal comp0ters, laptops, ser2ers, switches.
• Copiers, scanners and m0lti f0nctional de2ices.
• Printers #digital, low and high-end, wide format printers), plotters.
• ;ensets, in2erters, $P%.
• Colo0r labs.
• 1ir conditioners, plasmas, proFectors, 9P1BS
Trade'
"etter o# credit'
/he companies c0stomers do b0siness with 0ndo0btedly ha2e impeccable credentials. B0t
why to take a chance. ICICI Bank:s 5etter of Credit facility arms clients with a g0arantee of
payment, especially 0sef0l while transacting with companies who they ha2e had limited
epos0re to in the past.
1 5etter of Credit is a letter from ICICI Bank g0aranteeing that a b0yer's payment to a seller
will be recei2ed on time and for the correct amo0nt. /his g0arantee of payment helps clientsto transact with companies with whom they ha2e had limited interaction and are 0ns0re of
their credit history.
ICICI Bank offers two types of 5Cs, %ight and $sance 5Cs, both inland and foreign. /he
bank:s 5Cs get sanctioned and iss0ed <0ickly, and are competiti2ely priced.
1 sight 5C is a letter of credit that is payable immediately on presentation along with the
necessary doc0ments.
1 0sance 5C is a letter of credit that is payable after acceptance of presented doc0ments and
at a specified f0t0re date.
1n ICICI Bank 5etter of Credit offers following@
1 limit per client of 0p to Rs. crore #5imit for 0sance 5K- Rs."( 5akhs).
Period of 0p to ( days
%ec0rity re<0irement.
+"E-3"E cash margin.
((E collateral sec0rity in the form of residential.
ICICI Bank has p0lled o0t all stops to ens0re c0stomers get all the financial s0pport they need
to take ad2antage of the opport0nities and face the 0ni<0e challenges in this sector. /he
bank:s in-ho0se constr0ction ind0stry specialists will c0stomie end-to-end sol0tions for
c0stomer:s right from the bidding process and implementation of the proFect thro0gh to the
defect liability period. /hese range from Performance M 8inancial ;0arantees to term loansfor 9<0ipment 8inancing M working capital facilities to b0y raw materials.
ICICI:s modern approach to b0siness banking backed by o0r s0perior technology helps
pro2ide swift anytime, anywhere banking ser2ices 2ia the branchK1/* network, phone,
mobile and Internet. hether c0stomers are a small contractor stri2ing to grow, or an
established player seeking to grow globally, ICICI Bank pro2ides the fo0ndation to grow
their b0siness.
/0 Pharmaceuticals'
hether it's the challenges of %ched0le * or awareness of best practices, nobody0nderstands the f0ndamental iss0es of the pharma b0siness better than c0stomers. 9cept,
perhaps, ICICI Bank.
Recognising the need to stay abreast of the latest de2elopments in this rapidly e2ol2ing
sector, the bank:s team of pharma specialists bring to the table F0st the epertise c0stomer:s
b0siness needs. hether c0stomers are in2ol2ed with form0lations or 1PIs T for local or
global markets, what c0stomers get is a potent mit0re of ind0stry 0nderstanding backed by
working capital facilities, fore ser2ices and special lending programs c0stomised for yo0.
It is a platform to pro2ide 2al0e to the pharmace0tical man0fact0ring c0stomers of ICICIBank thro0gh foc0s, inno2ation and sharing. /he bank:s modern approach to b0siness
banking backed by their s0perior technology helps pro2ide swift anytime, anywhere banking
ser2ices 2ia their branchK1/* network, phone, mobile and Internet.
60 &pparels'
/he eport <0ota regime has been dismantled 0shering in an era of open competition. China
may be the leader by far in terms of sheer 2ol0me. B0t there are plenty of 2al0e opport0nities
both as a mass man0fact0rer and as a leading player in the 2al0e-added premi0m segments.
*any Indian s0ppliers are already moderniing and di2ersifying their operations to meet press0res of scale and speed of deli2ery.
/he Indian domestic market too is witnessing a h0ge transformation and growth in organied
retail space across malls, departmental stores and premi0m bo0ti<0es. C0stomers are brand-
h0ngry and ready to pay premi0ms to make lifestyle and personal statements. =ew players
are emerging in regional and national markets.
ICICI Bank is geared to meet c0stomers: re<0irements in the apparel sector thro0gh strong
/erm loans in r0pee and foreign c0rrency with /$8% benefits for financing of epansion and
modernisation plans.
Competiti2ely priced working capital and other prod0cts #incl0ding eport finance in foreign
c0rrency) in order to optimise costs of lending.
%ophisticated deri2ati2e prod0ct deli2ered in a simplified and con2enient manner as a so0rce
of hedging and optimising profits.
8inally, ICICI Bank has c0t down appro2al time by standardising the assessment process
thro0gh 0se of scoring models.
70 Transport'
Indian road transport ind0stry is witnessing a sea-change. Infrastr0ct0re in2estments in
highways and ports, entry of professional 'o0tso0rced' logistics ser2ice companies in the
corporate sector, introd0ction of tracking technology, better <0ality and more choice of
2ehicles - all this is opening 0p new opport0nities and challenges.
/he growth of domestic to0rism and migration is leading to increase in tra2el while the
growth of connecti2ity is creating new paths of commerce and b0siness.
ICICI Bank offers those in the transport b0siness a host of ad2antages. 8rom faster sanction
d0e to parameters-based approach, to interest cost sa2ings according to 0sage. 1 Relationship
*anager is the single point contact for all c0stomers needs.
ICICI Bank's Roaming C0rrent 1cco0nt makes a powerf0l difference to c0stomer:s b0siness.Bank and withdraw money in any branch or 1/* across the co0ntry. Bank anytime from
a.m. to p.m. at any of the branches. It helps in transferring f0nds witho0t a che<0e or a 77,
thro0gh a phone call or thro0gh Internet Banking. It 0ses the cash management ser2ices for
collections and payments across the co0ntry.
80 3ems 9 :e,ellery'
/he ;ems M Gewellery ind0stry in India is witnessing downstream integration into the retail
space, alliance marketing with end c0stomers in the eport arena, and o2erall dynamic
growth in domestic and international markets, across the B+B and B+C space.
ICICI Bank has been ser2ing firms in gems and Fewellery sector with comprehensi2e ser2ices
and in-depth epertise.
ICICI ha2e a range of credit facilities and deri2ati2e prod0cts at competiti2e rates. /he bank:s
;ems and Gewellery eperts know eactly the c0stomer:s b0siness needs. Ar, if it's
con2enience c0stomer:s re<0ire, bank:s 2ast network of branches and 1/*s are F0st the thing
for the c0stomers. 1dditionally, ICICI Bank's international eperience and epertise in the
global Fewellery trade gi2es c0stomers the most complete fore prod0cts and ad2isory
ICICI Bank:s ind0stry-specific sol0tions help c0stomer le2erage e2ery opport0nity for growth
and maimie their profits. Bank:s team of ind0stry eperts c0stomies sol0tions designed to
fit c0stomer:s 0ni<0e b0siness re<0irements. C0stomer:s le2erage the Lanytime anywhere:
b0siness banking ad2antage to manage their finances efficiently and easily. ith the national
reach and global network, the bank can now take the b0siness places.
!ndustry solutions
80nding sol0tions for 4otels, /ra2el M /o0rism sector@ ICICI pro2ide proFect finance in theform of term loans or working capital against card recei2ables. Rapid /ra2ellers Che<0e
Program@ /he bank p0rchase /C's from *oney Changers on prefied transaction
epos0reK2ol0me. %pecial 8oreign C0rrency /o0r Aperators 1cco0nt@ /he bank handle
collections of foreign c0rrency and remittances from the o0tbo0nd to0r operators and inward
remittances, for hotels and to0r reser2ation made abroad. 7eri2ati2es for Risk *itigation@
ICICI help c0stomers hedge the foreign c0rrency inward remittances and local c0rrency
o0tward remittances thro0gh o0r fore ser2ices.
ICICI:s c0stomers incl0de
4otels
12iation /raining Instit0tes
*oney Changers
/o0r Aperators
/icketing 1gents Consolidators
/ra2el ?ocational /raining Instit0tes
/ra2el Portals
) 9d0cational Instit0tions@
hether the c0stomer:s companies are go2t. aided or pri2ately managed, in primary,
secondary or higher ed0cation, they need a bank that 0nderstands yo0r special needs.
Be it long-term loans for infrastr0ct0re epansion or cash credit, ICICI Bank works with
accredited M recognied ed0cational instit0tions all o2er India, and offers the clients some of
ICICI Bank 7emat %er2ices boasts of an e2er-growing c0stomer base of o2er ." lacs
acco0nt holders. In ICICI:s contin0o0s endea2o0r to offer best of the class ser2ices to the
c0stomers the bank offer the following feat0res@
e-Instr0ctions@ C0stomers can transfer sec0rities + ho0rs a day, ! days a week thro0gh
Internet M Interacti2e ?oice Response #I?R) at a lower cost. =ow with U%peak to transferU,
c0stomer can also transfer or pledge instr0ctions thro0gh o0r c0stomer care officer.
Consolidation 7emat 1cco0nt@ C0stomers can dematerialise the physical shares in 2ario0sholding patterns and consolidate all s0ch scattered holdings into the primary demat acco0nt at
red0ced cost.
7igitally %igned %tatement@ C0stomers can recei2e the acco0nt statement and bill by email.
Corporate Benefit /racking@ C0stomers can track the di2idend, interest, bon0s thro0gh the
acco0nt statement.
*obile Re<0est@ C0stomers can access the demat acco0nt by sending %*% to en<0ire abo0t
4oldings, /ransactions, Bill M I%I= details.
*obile 1lerts@ C0stomers can recei2e %*% alerts for all debitsKcredits as well as for any
re<0est which cannot be processed.
7edicated c0stomer care eec0ti2es specially trained at the bank:s call centre, to handle all
their <0eries.
Co0ntrywide network of o2er +3" branches, c0stomers are ne2er far from an ICICI Bank