INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA

PRESENTED BY: P.RAMPRASAD

INTRODUCTION OF BANKING Definition Of Bank: Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits of money from the public, repayable on demand or otherwise and withdraw by cheque, draft or otherwise.“

-Banking Companies (Regulation) Act,1949 

HISTORY OF BANKS IN INDIA Banking in India originated in the last decades

of the 18th century

The first banks were THE GENERAL BANK OF INDIA, which started in 1786

The oldest bank in existence in India is the STATE BANK OF INDIA, which originated as the BANK OF CALCUTTA in June 1806

The first fully Indian owned bank was the ALLAHABAD BANK, established in 1865

The banking industry has grown at a compounded annual rate of over 51 per cent since April 2001

Industry life cycle – Growing stage

Evolution of Banking

Pre-Independence

Post-Independence

Owdh Commercial Bank(1881)

Punjab National Bank (1895)

The Bank of India (1906), Bank of Baroda Ltd (1908), Central Bank of India Ltd

(1911)

Reserve Bank of India (1935)

Nationalization of Banks

Imperial Bank of India brought under public

ownership (1955)

Formation of State Bank Group (1955-59)

Emergence of New Private Sector Banks (1993)

77%

17% 6%

Banks Market Structure In India

Public BanksPrivate BanksForeign Banks

BANKING STRUCTURE IN INDIA

Commercial BanksCooperative Banks

Commercial Banks

Public Sector Banks – (26).Nationalized BankOther Public Sector Banks (IDBI)SBI And Its Associates

Private Sector Banks - (25).Old Private BanksNew Private BanksForeign Banks In India – (29).Regional Rural Banks – (95).

Public Sector BanksNationalised banks.Allahabad BankAndhra BankBank Of BarodaBank Of IndiaBank Of MaharastraCanara BankCentral Bank Of IndiaCorporation BankDena BankIndian Bank

Indian Overseas BankOriental Bank Of CommercePunjab & Sind BankPunjab National BankSyndicate BankUCO BankUnion Bank Of IndiaUnited Bank Of IndiaVijaya Bank

SBI And Its Associates

State Bank of India State Bank of Hyderabad State Bank of Mysore State Bank of PatialaState Bank of Travancore State Bank of Bikaner And Jaipur

Private Sector BanksOld Private Sector Banks Bank of Rajasthan Ltd.Catholic Syrian Bank Ltd.City Union Bank Ltd.Dhanalakshmi Bank Ltd.Federal Bank Ltd.ING Vysya Bank Ltd.Jammu and Kashmir Bank Ltd.Karnataka Bank Ltd.Karur Vysya Bank Ltd.

Lakshmi Vilas Bank Ltd.Nainital Bank Ltd.Ratnakar Bank Ltd.SBI Commercial and International

Bank Ltd.South Indian Bank Ltd.Tamilnadu Mercantile Bank Ltd.United Western Bank Ltd.

New Private Sector Banks Bank of Punjab Ltd. (since merged with

Centurian Bank)Centurian Bank of Punjab (since merged

with HDFC Bank)Development Credit Bank Ltd.HDFC Bank Ltd.ICICI Bank Ltd.IndusInd Bank Ltd.Kotak Mahindra Bank Ltd.Axis Bank (earlier UTI Bank).Yes Bank Ltd.

Foreign Banks In IndiaABN AMRO Bank N.V.Abu Dhabi Commercial Bank LtdAmerican Express BankAntwerp Diamond BankArab Bangladesh BankBank International IndonesiaBank of AmericaBank of Bahrain & KuwaitBank of CeylonBank of Nova Scotia

Bank of Tokyo Mitsubishi UFJBarclays BankBNP ParibasCalyon BankChinaTrust Commercial BankCitibankDBS BankDeutsche Bank

HSBC (Hongkong & Shanghai Banking Corporation)

JPMorgan Chase BankKrung Thai BankMashreq BankMizuho Corporate BankOman International BankShinhan BankSociété GénéraleSonali BankStandard Chartered BankState Bank of Mauritius

Cooperative Banks

Urban Cooperative Banks.State Cooperative Banks.

SBI18%

ICICI14%

HDFC12%

PNB10%

AXIS10%

OTHERS36%

MAJOR MARKET SHARE-2011

CHALLENGES FACED BY BANKING INDUSTRY IN INDIA

Deregulation

New rules

Efficiency

Diffused customer loyalty

Misaligned mindset

Competency gap

ABOUT ICICI BANKIndustrial Credit and Investment

Corporation of IndiaFounded in 1955 by as a joint-venture

of the World BankICICI Bank launched internet banking

operations in 1998.In 2000, ICICI Bank became the first

Indian bank to list on the New York Stock Exchange.

ICICI Bank is India's second-largest bank.

PROFILE OF ICICI BANKType: PublicFounded: 1995Headquarter: Mumbai,Maharashtra,India Industry: Banking, Financial serviceNet revenue: US$ 13.812 billion (2011)Net Profit : US$ 1.366 billion (2011)Employees: 79,978 (2011Website: www.icicibank.com

BOARD OF DIRECTORSChairmen : K.V.KamathCEO : Chanda KochharExecutive Director : N. S. KannanVice president : Mr. Vishvesh

G. BhagaGeneral manager : Ms. Shilpa Kumar

NETWORK OF ICICI It has 8003 ATMs in the countryThe Bank has a network of 2752 branches in

India. It has a presence in 19 countries , including

India.Traded as BSE, NSE, NYSE and BSE SENSEX

PRODUCT AND SERVICESTravelers Cheque Card (Credit Cards,Debit Cards ,Travel Cards, Corporate Cards, Prepaid

Cards ,Business Cards)

Loan (Home Loans, Personal Loans, Two Wheeler Loans, Car Loans)

Investment Insurance NRI banking Deposit Business banking Personal banking

Competitor

HDFC Bank.SBI.Allahabad BankAndhra BankBank of BarodaBank of IndiaBank of MaharashtraCanara BankCentral Bank of IndiaCorporation Bank

Dena Bank IDBI Bank Indian Bank Indian Overseas BankOriental Bank of CommercePunjab & Sind BankPunjab National BankSyndicate BankUCO BankUnion Bank of IndiaUnited Bank of IndiaVijaya Bank

ICICI GROUP

INNOVATIONS

CUSTOMER SERVICE

CREDIT MANAGEMENT

ASSET LIABILITY

MANAGEMENTATMSSMART CARDS

INTERNET BANKING

RESOURCE MOBILISATION

SWOT ANALYSIS OF ICICISTRENGTHSII Largest bank in India.Successfully diversified it’s

operations.Listed in NYSE.Considered as a pioneer in usage

of internet services.Aggressive and innovative

marketing strategies.

WEAKNESS

Primarily targets upper middle class and upper class of the society.

Higher service charges.Poor customer care/serviceFocus only on high end

customersTransaction cost.

OPPORTUNITIES

New IT & ITES companies Dissatisfied customers of other

BankBusiness advising for smaller

players Expanding business to the middle

and lower income groups.

THREATS

Dissatisfied customersEver improving nationalized bankAdvent of MNC banksMore and more banks are

coming up.

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

Sources: www.icicibank.com

Sources: www.icicibank.com

Sources: www.icicibank.com

Career Opportunities For Fresh MBA Graduates in Banks

Branch Manager and Branch Operation Manager.

Chartered Accountants.Home Loan counselors.Sales Officer.Accountants.

http://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svg