Presentation of Icici Bank

8/19/2019 Presentation of Icici Bank

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INDIAN BANKING

..……..SECTOR……


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MACRO ANALYSIS The banking system remains, as alays, the m!st "!mina

the $nan%ial se%t!r.

In"ian banks %!ntin&e t! b&il" !n their strengths &n"erat%h#&l eye an" hen%e, ha'e emerge" str!nger.

The banking se%t!r in In"ia has ma"e signi$%ant (r!gress years )the gr!th is ell re*e%te" thr!&gh (arame(r!$tability, ann&al %re"it gr!th, an" "e%line in n!n+(er

N-As Gr!th in the se%t!r has been #a'!re" by #a%t!rs in%l&"in

rati!, str!ng e%!n!mi% gr!th, %entral bank/s reg&lar inter'eem(ti'e a"0&stment !# m!netary (!li%y.

The (!li%y makers #!r the banking se%t!r, hi%h %!m(ris

Bank !# In"ia RBI, 1inistry !# 2inan%e an" relate" g!$nan%ial se%t!r reg&lat!ry entities, ha'e ma"e se'eral n!t


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What Is PESTEL Analysis


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POLITICAL FACTORS AFFACTBANKING SECTOR.

T! hat "egree a g!'ernment inter'enes in the e%!n!my.lab!r la, en'ir!nmental la, tra"e restri%ti!ns, tari3s, an" (!

S!me !# the ma0!r (!liti%al #a%t!rs a3e%ting the Banking in"&

6 2!%&s !n reg&lati!n !# g!'ernment

6 B&"get an" b&"get meas&res

6 2!reign Dire%t In'estment limits


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FORGIEN DIRECTINVESTMENT LIMITS

• The m!'e t! in%rease 2!reign Dire%t In'estment 2DI limits t! 78 (er%ent "&ring the $rst ;&arter !# this $s%al %ame as a el%!me a#!reign (layers anting t! get a #!!t h!l" in the In"ian 1arkets by inIn"ian (artners h! are star'e" !# net !rth t! meet CAR n!rms.

6 Ceiling #!r 2II in'estment in %!m(anies as als! in%rease" #r!m 97.:(er%ent an" ha'e been in%l&"e" ithin the ambit !# 2DI in'estment

BUDGET MEASURES

6 In%rease 2arm Cre"it

6 S&b'enti!n !#


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E!n!"ial #at!$


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FACTORIt in%l&"es %&lt&ral as(e%ts an" health %!ns%i!&sness, (!(&rate, age "istrib&ti!n, %areer attit&"es an" em(hasis !n sa#ety

%lassi$e" int!5

TRADITIONAL MA&A'AN PRAT&A

• Be#!re the birth !# the banks, (e!(le !# In"ia ere &se" t! l!%al m!ney len"ers, shah&kars , shr!3s.

• They ere &se" t! %harge higher interest an" als! m!rtg

h!&se. B&t a#ter emergen%e !# banks attit&"e !# (e!(le asthey ha'e starte" len"ing #r!m the banks

C&ANGE IN LIFE STYLE

• ?i#e style !# In"ia is %hanging ra(i"ly.

• They are "eman"ing high %lass (r!"&%ts. They ha'e a"'an%e". -e!(le nee"s an" ants are in%reasing "ay by "a


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CONTI(

POPULATION

In%rease in (!(&lati!n is !ne !# he im(!rtant #a%t!r, hi(ri'ate se%t!r banks. Banks !&l" !(en their bran%hes a#tethe (!(&lati!n "em!gra(hi%s !# the area. Ne'er bran%hes aser'e the in%reasing (!(&lati!n. This in%enti'e t! banks %ba%k !# the %!ntin&ing nee" t! !(en m!re bran%hes in th!r"er t! ens&re m!re &ni#!rm s(atial "istrib&ti!n

LITERACY RATE

?itera%y rate in In"ia is 'ery l! %!m(are" t!%!&ntries.illiterate (e!(le hesitate t! transa%t ith baim(a%ts negati'ely !n banks. B&t there is (!siti'e si"e !# thilliterate (e!(le tr&st m!re !n banks t! "e(!sit their m!ney

ha'e market in#!rmati!n .O((!rt&nities in st!%ks !r m&t&al #


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LEGAL FACTOR

There are t! ma0!r #a%t!rs "etermining the legal as(e%ts !# the B5

• In


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FACTOR

• In"ian e%!n!my has registere" a high gr!th #!r last three4(e%te" t! maintain r!b&st gr!th rate as %!m(are t! !an" "e'el!(ing %!&ntries.

• Banking In"&stry is "ire%tly relate" t! the gr!th !# the egr!th rate !# "i3erent in"&stries ere 5 Agri%&lt&re 5 <

9.=Ser'i%es 5 .9=• It is great nes that t!"ay the ser'i%e se%t!r is %!ntrib&ting

!# the In"ian GD-. It takes In"ia !ne ste( %l!ser t! e%!n!mies !# the !rl". Earlier it as agri%&lt&re hi%h mait! the In"ian GD-.

• This in%reases the a'en&es !# in'estment by the in"&stria!&l" #&rther in%rease the b!rr!ings by the in"&stries


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INDUSTRY ANALYSIS The In"ian banking system %!nsists !# 9 (&bli% se%t!r banse%t!r banks, 7 #!reign banks, regi!nal r&ral banks,

%!!(erati'e banks an" 8,: r&ral %!!(erati'e banks, i%!!(erati'e %re"it instit&ti!ns. The In"ian banking se%t!r/s aFS


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• In"ian banks are in%reasingly #!%&sing !n a"!(ting integrate" arisk management. Banks ha'e alrea"y embra%e" the inbanking s&(er'isi!n a%%!r" !# Basel II. A%%!r"ing t! RBI, ma0!

banks alrea"y meet %a(ital re;&irements !# Basel III, hi%h has!# 1ar%h


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Cat)*!$i+ati!n

Reser'eBank !#

In"ia

Regi!nalR&ralBanks

C!+!(erati'e

Banks

C!mmer%ial Banks


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R)*i!nal R,$al Ban-s

The Regional Rural Banks or RRBs mobilize financial resources fro

rural / semi-urban areas and grant loans and advances mostly to sm

and marginal farmers, agricultural laborers and rural artisans.

For example:

• Andhra radesh !ramin "ikas Bank•#ammu Rural Bank•$agaland Rural Bank


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C!%!)$ati/) Ban-

A co-o%erative bank is a financial entity &hich belongs to its membeare at the same time the o&ners and the customers of their bank. '

o%erative banks are often created by %ersons belonging to the same

%rofessional community or sharing a common interest.

For Example:

•The !oa (tate 'o-o%erative Bank )imited•The !u*arat (tate 'o-o%erative Bank )imited•The +aryana (tate 'o-o%erative Bank )imited


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COMMERCIAL BANK

A !"")$ial 0an- is an instit,ti!n 1hih a)ts2)!sits3 "a-)s 0,sin)ss l!ans an2 !4)$s $)lat)2

A #)1 )5a"l)s !# C!"")$ial Ban-s a$) list)2 as Cana$a Ban-3

IDBI3 Syn2iat) Ban-3 Stan2a$2 Cha$t)$)23 )t.


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-ri'ate Bank

C!"")$ial Ban-

-&bli% Bank

Public sector banks are those banks

in which there are numerous partners

or shareholders, and they elect from

their own body a certain number,

who are in trusted with its

management.

For e.g.

Allahabad Bank,

Bank Of Baroda,

Oriental Bank of Commerce, etc.

Private sector banks are those

banks in which there are but

few partners, and these attend

personally to its management

For e.g.

!"FC Bank

#C#C# Bank


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CONTANTS• • Bank

• • History of Bank• • Types of Bank Sectors

• • Definition of Public Sector Banking

• • Definition of Private Sector Banking

• • Definition of Cooperative Sector Banking

• • Rural Banking

• • Foreign Banks in India


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CONT…

• • Top ! Banks in India

• • Co"operative banking structure in India#

• • Differences Bet$een Public % Private Sector Banks

• • &ain Co'petitors

• • Present Scenario

• • ICICI B()* +Private Sector Bank,


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BANK

• T-e $ord of bank is derived fro' t-e Italian banca. $-ic- i

fro' /er'an and 'ean benc-#• T-e ter' bankrupt and broke is si'ilarly derived fro' banca ro

• 0-ic- refers to an out of business bank. -aving its benc- p

broken#

• &oney lenders in )ort-ern Italy originally did business in oor big open roo's $it- eac- lender $orking fro' -is o$n

table#


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&ISTORY OF BANK • Banking in t-e 'odern sense of t-e $ord can be traced to 'edi

Renaissance Italy. to t-e ric- cities in t-e nort- like Florence. 1enice• T-e Bardi and Peru22i fa'ilies do'inated banking in 3t- cen

establis-ing branc-es in 'any ot-er parts of 4urope# Per-aps t-e

Italian bank $as t-e &edici bank. set up by /iovanni &edici in 56

• T-e earliest kno$n state deposit bank. Banco di San /iorgio

/eorge,. $as founded in 3!7 at /enoa. Italy#


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LIST OF BANKS IN INDIA• )ationali2ed banks

• # Central bank

• #8 State Bank of India % associates +also nationali2ed,• #5 )ationali2ed banks

• #3 9ld private sector banks

• #: )e$ private sector banks

• #; Foreign banks operating in India

• 8 Co"operative Banks• 8# Sc-eduled


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NATIONALI7ED BANKS• Central bank

• Reserve Bank of India

• $tate Bank of #ndia % associates &also nationali'ed(

• State Bank of Hyderabad

• State Bank of Indore +no$ 'erged into state bank of India,

• State Bank of &ysore

• State Bank of Patiala

• State Bank of Sauras-tra +)o$ 'erged into State Bank of India,

• State Bank of Travancore

• SBI is a nationali2ed bank#


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Cont=

• (lla-abad Bank

• (nd-ra Bank • Bank of Baroda

• Bank of India

• Bank of &a-aras-tra

• Canara Bank

• Central Bank of India

• Corporation Bank

• Dena Bank

• IDBI Bank

• Indian Bank

• Indian 9verseas Bank


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FOREIGN BANKSOPERATING IN INDIA• (B) (&R9 Bank )#1#

• (bu D-abi Co''ercial Bank

• ('erican 4>press Bank

• (rab Banglades- Bank

• Bank International Indonesia

• Bank of ('erica )(

• Bank of Ba-rain and *u$ait B#S#C#

• Bank of Ceylon


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PUBLIC SECTORBANKS• (ll govern'ent o$ned banks fall in t-is variety#

• Besides t-e Reserve Bank of India. t-e State Bank of India

associate banks and about 8! nationali2ed banks. all co'prise

public sector banks#

• &any of t-e regional rural banks t-at are funded by t-e gov

banks can also be clubbed in t-is genre#


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PRIVATE SECTORBANKS• ( ne$ $ave in t-e banking industry ca'e about $it- t-e private sec

in India#

• 0it- policies on liberali2ation being generously taken up. t-ese priv

$ere establis-ed in t-e country t-at also contributed -eavily to$

gro$t- of t-e econo'y and also offering nu'erous services to its cu

• So'e of t-e 'ost popular banks in t-is genre are? (>is Bank. HD

ICICI Bank. *otak &a-indra Bank and SBI Co''ercial and Inte

Bank#

• T-e Foreign Banks in India like HSBC. Citibank. and Standard C

bank etc can also be clubbed -ere#

COOPERATIVE BANKING SECTOR


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COOPERATIVE BANKING SECTOR

• Cooperative banks are o$ned by t-eir custo'ers and follo$ t-e coopera

of one person. one vote#

•


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RURAL BANKING• •Rural banking in India started since t-e establis-'ent of banking sector in India#

in t-ose days 'ainly focussed upon t-e agro sector#

• •T-e Haryana State Cooperative (pe> Bank Atd# co''only called as H(RC9B

vital role in rural banking in t-e econo'y of Haryana State and -as been provid

financing far'ers. rural artisans. agricultural labourers. entrepreneurs. etc# in

giving service to its depositors#

• •)ational Bank for (griculture and Rural Develop'ent +)(B(RD, is a developt-e sector of Regional Rural Banks in India# It provides and regulates credit and

for t-e pro'otion and develop'ent of rural sectors 'ainly agriculture. s'all sca

cottage and village industries. -andicrafts#

FOREIGN BANKS IN INDIA


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FOREIGN BANKS IN INDIA

• •Foreign Banks in India al$ays broug-t an e>planation abou

services to custo'ers# (fter t-e set up foreign banks in Indiasector in India also beco'e co'petitive and accurative#

• •)e$ policies are introduced by RBI for t-e' T-e policy

foreign banks in India 'ay not ac@uire Indian ones +e>cept foridentified by t-e RBI. on its ter's, and t-eir Indian subsidiarie

able to open branc-es freely#

TOP 89 BANKING IN PUBLIC : PRIVAT


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TOP 89 BANKING IN PUBLIC : PRIVATSECTOR BANKING

# HDFC Bank

8# State Bank of India +SBI,

5# *otak &a-indra Bank

3# ICICI Bank

:# (IS B()*

CO OPERATIVE BANKING STRUCTURE IN


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CO%OPERATIVE BANKING STRUCTURE INIS DIVIDED INTO FIVE

• # Pri'ary


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DIFFERENES BETWEEN PUBLIC : PRSECTOR BANKS

• Public Sector bank 'eans any /overn'ent Sector BankInstit public### 'eans t-at issues it s-are to general public## It also

s-are of govern'ent+'ore t-an :!E, so t-at t-e 'ain 'ot

$elfare ot-er t-an &a>i'ising Profit re'ains#

• 0-ere as Private Sector Banks are t-ose Banks $-ere t-e '

controlled by Private individuals and /overn'ent does not -a

t-e 'anage'ent of t-ese banks# &a>i'ising profit is t-e basic


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MAIN COMPETITORS FOR BANKING


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MAIN COMPETITORS FOR BANKINGSECTOR

• •Post offices#

• •&utual fund

• •S-are 'arket

• •Insurance#

• •&oney lenders

• •Fa'ily and friends

PRESENT SCENARIO


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PRESENT SCENARIO

• •Banking industry -as been undergoing a rapid transfor'ation# •Ban

'arket driven and 'arket responsive#

• •0it- t-e entry of ne$ players and 'ultiple c-annels. custo'ers +bo

and retail, -ave beco'e 'ore discerning and less loyal to banks#

• T-is 'akes it i'perative t-at banks provide best possible products ato ensure custo'er satisfaction#

• •T-ey -ave been 'anaging a $orld of infor'ation about custo'

profiles. location. needs. re@uire'ents. cas- positions. etc#

CONT


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CONT=

• •T-ey are focusing on region"specific ca'paigns rat-er t-an

'edia ca'paigns as effective strategy for a diverse country like

• •Custo'er"centricity also i'plies increasing invest'ent in tec-

• •(part fro' t-e &obile Banking. including of S&S BankBanking and (T&s are t-e 'aGor steps taken by t-e banks

to$ards 'oderni2ation#

SERVICES GIVEN BY BANKS


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SERVICES GIVEN BY BANKS

• •De'at account

• •Aockers

• •Cas- 'anage'ent

• •Insurance product

• •&utual fund product

• •Aoans• •4CS+4lectronic clearance syste',

• •Ta>es

INTRODUCTION


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In"&strial Cre"it an" In'estment C!r(!rati!In"ia ICICI is the se%!n" largest bank.

It as in%!r(!rate" in Bar!"a !n th 0an


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>E ill le'erage !&r (e!(le, te%hn!l!gy, s(ee

$nan%ial %a(ital t!5Be the banker !# $rst %h!i%e #!r the %&st!mers by "eli

;&ality, !rl" %lass (r!"&%ts an" ser'i%es.E4(an" !&r #r!ntiers !# !&r b&siness gl!bally

-lay a (r! a%ti'e r!le in the #&ll realiati!n !# In"ias 1aintain a healthy $nan%ial (r!$le an" "i'ersi#y !&r

a%r!ss b&siness an" ge!gra(hies.1aintain high stan"ar"s !# g!'ernan%e an" eth

C!ntrib&te (!siti'ely t! the 'ari!&s %!&ntries an" ma!(erate.

Create 'al&e #!r !&r stakeh!l"ers.

MISSION

O$*ani+ati!n St$,t,$)


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1r. Chan"a D K!%hhar ++++++++++++ CEO an"

1anaging Dire%t!r1r. K L Kamath +++++++++++ ChairmanSan"ee( Bakshi +++++++++++ De(&ty 1anagingDire%t!rN.S.Kannan +++++++++++ E4e%&ti'e Dire%t!r M C2OK. Ramk&mar +++++++++++ E4e%&ti'e Dire%t!r1r. Naren"ra 1&rk&mbi ++++++++++++ Dire%t!r1r. 1a"habi -&ri B&%h ++++++++++++ E4e%&ti'e

"ire%t!r1r. - 1 Sinha ++++++++++++ Dire%t!r1r. 1 K Sharma ++++++++++++ Dire%t!r1r. S!n0!y Chatter0ee +++++++++++ E4e%&ti'e"ire%t!r1r. An&(am -&ri +++++++++++ Dire%t!r1r. T S Li0ayan ++++++++++++ Dire%t!r1r. N Lagh&l +++++++++++ Dire%t!r

1r. 1arti G S&brahman am +++++++++++ Dire%t!r

O$*ani+ati!n St$,t,$)

&ISTORY


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&ISTORY

ICICI as !riginally (r!m!te" in


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BANKING BUSINESSSTRUCTURE

Retail Banking Gr!&( + has been !rgint! #!&r ge!gra(hies #!r retail saleser'i%e ar%hite%t&re.

>h!lesale banking gr!&( %!nsist

%!r(!rate banking gr!&(, %!mmer%ial bagr!&( an" et%.

ICICI Alli d S i


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ICICI Allied Services

ICICI Prudential Life Insurance L

ICICI Lombard General InsuranceLtd.

ICICI Securities Ltd.

ICICI (r&"ential


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ICICI -r&"ential ?i#e Ins&ran%e C!m(any is a 0!ibeteen ICICI Bank an" -r&"ential (l%. hi%h is%!m(any.

ICICI -r&"ential began the !(erati!ns in De%ember 9:

ICICI (r&"ential is ha'ing (r!"&%t (!rt#!li! hi%se'eral (lans

e.g. E"&%ati!n ins&ran%e (lan, >ealth %reati!n (lan, ?i(lan, In'est shiel" %ash bank, et%.

ICICI -r&"ential has been '!te" as In"ias 1!st Tr&s?i#e Ins&rer #!r three %!nse%&ti'e years.

(


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ICICI l!mbar"

I. ICICI ?!mbar" GIC ?t". is a 0!int 'ent&rbeteen ICICI Bank ?imite" an" 2air#a42inan%ial !l"ings ?imite".

II. ICICI ?!mbar" all!s instant (!li%y iss&.Car Ins&ran%e,.ealth Ins&ran%e,. Tra'el Ins&ran%e, et%

ICICI Se%&rities


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ICICI Se%&rities?imite"

ICICI Se%&rities ?imite" is a share br!king $rm hi%Demat a%%!&nt ser'i%e #!r share tra"ing !n NSE an" B

C&st!mers %an b&y an" sell shares thr!&gh tha%%!&nt hi%h (r!'i"es !nline ser'i%es.

It als! has team !# resear%h e4(erts hi%h g%&st!mers regar"ing share market s%enari! an" alshi%h share they sh!&l" b&y !r sell.

ICICI 0$anh)s


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Assam Andhra Pradesh Bihar Chandigarh

Chhattisgarh New Delhi Goa Gujarat ar!ana

ICICI bran%hes are !(en at the #!ll!ingstates5

imachal Pradesh "ammu # $ashmir "har%hand $arnata%a $erala &adh!a Pradesh &aharashtra &ani'ur

&eg (ris Pon Pun )aja *am

ICICI 0$anh)s


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PRODUCT PORTFOLIO


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PRODUCT PORTFOLIO

ICICI OFFERS


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ICICI OFFERS

DE-OSIT ?OAN

CARD ?I2E

INSFRANCE


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LOANS


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LOANS

•!me ?!ans• -ers!nal ?!ans

• Car ?!ans

• C!mmer%ial Lehi%le ?!ans

• 2arm E;&i(ment ?!ans• B&siness Installment

?!ans

CARDS


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CARDSCre"itCar"

Tra'elCar"

DebitCar"

C!mmer%ial Car"s

1er%hantSer'i%es

G$!1th : D)/)l!")n


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G$!1th : D)/)l!")nith a retail b!!k !# !'er Rs ,::: %billi!n an" a market share that is the en'y !# %!m(etitishare !# !'er : (er%ent ++ ICICI Bank t!"ay has rea%he" a(!siti!n

. ICICI bank n! is i"ely seen as a s!(histi%ate" bank abmany gl!bal banks in the In"ian market. The bank is

!'erseas markets.7. The gl!bal !((!rt&nity s(e%tr&m is %hanging "ramati%allne4t years, !&r gl!bal b&siness ill %!ntrib&te !ne+thir"++t!(line an" b!tt!mline. T!"ay its ab!&t


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Aar"s

ICICI BANK has re%ei'e" 9:


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Ahi)/)")nts


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ICICI bank has !n the best l!%al bank by tra"e an

ICICI bank has !n the best tra"e $nan%e bank an" best #!rebank , In"ia at the $nan%e asia %!&ntry aar"s #!r a%hie'emen

ICICI bank ins the Asian banker aar" #!r the best banking se

ICICI BANK as aar"e" the Asian banker a%hie'ement aar"management in In"ia.

2&t&re (r!s(e%ts !# ICICI ban


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& & e ( !s(e% s ! C C ba To be the leading provider of financial services in India and a m bank.To be the preferred brand for total financial and banking soluti

corporates and indiidualsTo be the dominant Life, Health and ensions pla!er built on trclass people and service.

This 1) h!) t! ahi)/) 0y6•

Fn"erstan"ing the nee"s !# %&st!mers an" !3ering them s&(er(r!"&%ts an" ser'i%e.?e'eraging te%hn!l!gy t! ser'i%e %&st!mers ;&i%kly, eQ%iently a%!n'eniently.De'el!(ing an" im(lementing s&(eri!r risk management an" in'strategies t! !3er s&stainable an" stable ret&rns t! !&r (!li%yh!l"-r!'i"ing an enabling en'ir!nment t! #!ster gr!th an" learning

In"ia/s #&t&re in banking


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In"ia s #&t&re in bankingin"&stry

ith a retail b!!k !# !'er Rs ,::: %r!re Rs :market share that is the en'y !# %!m(etiti!n ++ it has a share !# !'ICICI Bank t!"ay has rea%he" a %!mman"ing (!siti!n

. ICICI bank n! is i"ely seen as a s!(histi%ate" bank able t!

gl!bal banks in the In"ian market. The bank is e4(an"ing in !'erse7. The gl!bal !((!rt&nity s(e%tr&m is %hanging "ramati%ally, an"years, !&r gl!bal b&siness ill %!ntrib&te !ne+thir" !# !&r b!!b!tt!mline. T!"ay its ab!&t


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T&ANK

YOU ;;

Presentation of Icici Bank

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Transcript of Presentation of Icici Bank