SUBMITTED TO :Prof.

Litty Denis

MBA II 2007-2009 SUBMITTED BY : PATEL BIMAL (76) PATEL ARUNA (77) RATHOD BIPIN (84) RAVAL NILESH (87) YADAV RAGINI (119) SOLANKI MEGHA (107)

Vision & Mission

To be the leading provider of financial services in India and a major global bank.

Vision

Mission

Leverage people, technology, speed and financial capital Be the banker of first choice for our customers by delivering high quality, world-class products and services. Expand the frontiers of business globally. Play a proactive role in the full realization of Indias potential. Maintain a healthy financial profile and diversify earnings across businesses and geographies. Maintain high standards of governance and ethics. Contribute positively to the various countries and markets in which we operate. Create value for stakeholders.

INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA objective

To encourage and assist Industrial development and Investment in India. Over the years.

About ICICI

ICICI Bank is India's second-largest bank Total assets of about Rs.112, 024 crore Network of about 450 branches and offices 1750 ATMs. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers. Investment banking, life and non-life insurance, venture capital, asset management and information technology. Listed in India on stock exchanges at Chennai, Delhi, kolkata and Vadodara Stock Exchange, Mumbai and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).

History of ICICI

1955: The Industrial Credit and Investment Corporation of India Limited (ICICI) was incorporated at the initiative of World Bank, the Government of India and representatives of Indian industry, Mr.A.Ramaswami Mudaliar is elected as the first Chairman of ICICI Limited. ICICI emerges as the major source of foreign currency loans to Indian industry. Besides funding from World Bank and other multi-lateral agencies, ICICI was also among the first Indian companies to raise funds from international markets. 1967: ICICI made its first debenture issue for Rs.6 crore. 1993: ICICI Securities and Finance Company Limited in joint venture with J. P. Morgan set up. ICICI Asset Management Company set up. 1999 : ICICI launched retail finance - car loans, home loans and loans for consumer durables. 2000 : ICICI Bank became the first commercial bank from India to get its stock listed on the NYSE. ICICI Bank announces merger with Bank of Madura.

History of ICICI

2005: First rural branch and ATM launched in Uttar Pradesh at Delpandarwa, Hardoi. "Free for Life" credit cards launched wherein annual fees of all ICICI Bank Credit Cards were waived off. ICICI Bank and Visa jointly launched mChq a revolutionary credit card on the mobile phone. 2007: ICICI Bank raised Rs 20,000 crore (approx $5 billion) from domestic and international markets through a follow-on public offer. ICICI Banks GBP 350 million international bond offering marked the inaugural deal in the sterling market from an Indian issuer and also the largest deal in the sterling market from Asia. 2008: ICICI Bank enters USA, launches its first branch in New York ICICI Bank enters Germany, opens its first branch in Frankfurt ICICI Bank concluded India's largest ever securitization transaction of a pool of retail loan assets aggregating to Rs. 48.96 billion (equivalent of USD 1.21 billion) in a multi-tranche issue backed by four different asset categories. It is also the largest deal in Asia (exJapan) in 2008 till date and the second largest deal in Asia (exJapan and Australia) since the beginning of 2007.

The ICICI Group today

Banking Asset size of US$ 88 bn as of June 30, 2007 Market capitalisation of US$ 24 bn Retail customer base of over 24 million Leadership position in consumer credit Lead arranger in 53% of Indian M&A financing deals by value in Q1-2008 1 Ranked #1 in India syndicated loans Insurance Largest private sector life insurance player Largest private sector general insurance player Asset Management Among largest asset management companies

The ICICI Group Companies

ICICI Bank ltd. ICICI Securities & Finance Co. Ltd. (ICICI Securities) ICICI Credit corporation Ltd. (ICICI Credit) ICICI Investors Services Ltd. (ICICI Services) ICICI venture funds mgt Ltd. (ICICI Venture) ICICI International Ltd ICICI KINFRA Ltd. (I-kin) ICICI Home Finance co. Ltd. (ICICI-HFC) ICICI Personal Financial services Ltd Other companies of Group are :
ICICI Capital Service Ltd. ICICI e-payment Ltd. ICICI Global Opportunities Funds Ltd.

Product Detail

ICICI's Principal Activities

Project Finance Infrastructure Finance Corporate Finance Securitization Leasing Deferred Credit Consultancy services

SWOT Analysis

1. 3. 5. 7.

Strengths:
BRAND NAME: 2. MARKET SHARE: HUGE NETWORK 4. DIVERSIFIED PORTFOLIO: WORKING HOURS 6. AGGRESSIVE MARKETING: TECHNOLOGY

WEAKNESS:

1.TRANSACTION COST 2. FOCUS ONLY ON HIGH END CUSTOMERS 3 DEFENSIVE APPROACH IN LENDING 4. LITTLE PRESENCE OUTSIDE INDIA: 5. POOR CUSTOMER CARE/SERVICE:

Conti

Opportunities
NEW IT & ITES COMPANIES: Dissatisfied Customers of Other Banks Remittances Business advising for smaller Players

1. 2. 3. 4.

THREATS

1.Advent of MNC banks: 2. Dissatisfied Customers: 3.Ever improving nationalized banks:

Strategy and New Developments

ICICI Bank has emerged as a market leader in retail banking and has successfully spawned non-bank businesses. Over the years, the bank has made a successful transition from a financial institution to a bank, hit big time in retail, and matured as a corporate bank. The focus in the coming years will be its rural foray, globalization, and technology and has already established a presence in international banking. It has also established a robust liabilities franchise, with strong growth and market share gains in savings and current deposits.