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BUSINESS STRATEGY AND MANAGEMENT

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INTRODUCTIONThe Industrial Credit and Investment Corporation of India Limited.

Incorporated at the initiative of the World Bank, the Government of

India and representatives of Indian industry.

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HISTORY OF BANKING

PRE-INDEPENDENCE ERA NATIONALISATION LIBERALISATION POST-2000 CHANGES

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ICICI BANK

FULLY-OWNED BY ICICI. LISTED IN NYSE. 2ND LARGEST BANK IN INDIA BANKING-FINANCIAL PRODUCTS

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BOARD

MEMBERS

!" $" %&''&'01+23*$4+ 5$%+2*/% 6 !78

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VISION

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

0

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MISSION

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

Be the banker of first choice for our customers by delivering high quality, world"class products

and services.

Expand the frontiers of our business globally.

Play a proactive role in the full realization of Indias potential.

Maintain a healthy financial profile and diversify our 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 our stakeholders.

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EXTERNAL ANALYSIS

PORTERS FIVE FORCES THREAT OF NEW ENTRANTS - LOW BARGAINING POWER OF SUPPLIERS - MEDIUM BARGAINING POWER OF BUYERS - HIGH COMPETITIVE RIVALRY - HIGH THREAT OF SUBSTITUTES - MEDIUM

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PESTLE ANALYSIS

POLITICAL FACTORS ECONOMIC FACTORS SOCIO-CULTURAL FACTORS TECHNOLOGICAL FACTORS LEGAL FACTORS ENVIRONMENTAL FACTORS

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INTERNAL ANALYSIS

SWOT ANALYSIS STRENGTHS WEAKNESS OPPORTUNITY THREATS

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VALUABLE RARE COSTLY TO

IMITATE EXPLOITED

IMPLICATION

S

Brand image Yes Yes No YesTemporaryCompetitive

advantage

Online

services Yes No No Yes

Competitive

parity

ATMs &

Branches Yes No No Yes

Competitive

parity

DiversifiedPortfolio

Yes No No Yes Competitive

Parity

Marketing Yes No No Yes Competitive

parity

VRIO

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STRATEGY ADOPTED

DIFFERENTIATION STRATEGY

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STRATEGIES ADOPTED IN THE PAST

1997 Adoption of Finacle by INFOSYS

MARCH 2001 - Bank of Madura

MARCH 2005 Move into the Russian banking industry

DECEMBER 2006 : Acquisition of sangli bank

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DIFFERENTIATION STRATEGY

IN SMALL AND MEDIUM INDUSTRIES IN INTERNATIONAL BANKING IN RURAL & INCLUSIVE BANKING

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RECOMMENDATIONS

INTEGRATED FRANCHISEE SYSTEM

STRENGTHEN DISTRIBUTION CAPABILITIES MORE FOCUS AND FACILITIES FOR INDIA TECHNOLOGY-EASY GLOBAL REMITTANCES MULTIPLE PRODUCT PORTFOLIOS HYBRID CHANNEL STRATEGY

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THANK YOU!