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 PostIndependence
Owdh Commercial Bank(1881)
Nationalization of Banks
Punjab National Bank (1895) The Bank of India (1906), Bank of Baroda Ltd (1908), Central Bank of India Ltd (1911)
Imperial Bank of India brought under public ownership (1955)
Formation of State Bank Group (1955-59)
Reserve Bank of India (1935)
Emergence of New Private Sector Banks (1993)
Banks Market Structure In India
6% 17% Public Banks Private Banks Foreign Banks 77%
BANKING STRUCTURE IN INDIA
Commercial Banks ? Cooperative Banks
?
Commercial Banks
Public Sector Banks – (26). ? Nationalized Bank ? Other Public Sector Banks (IDBI) ? SBI And Its Associates
?
Private Sector Banks - (25). ? Old Private Banks ? New Private Banks ? Foreign Banks In India – (29). ? Regional Rural Banks – (95).
?
Public Sector Banks
Nationalised banks. ? Allahabad Bank ? Andhra Bank ? Bank Of Baroda ? Bank Of India ? Bank Of Maharastra ? Canara Bank ? Central Bank Of India ? Corporation Bank ? Dena Bank ? Indian Bank
Indian Overseas Bank ? Oriental Bank Of Commerce ? Punjab & Sind Bank ? Punjab National Bank ? Syndicate Bank ? UCO Bank ? Union Bank Of India ? United Bank Of India ? Vijaya Bank
?
SBI And Its Associates
State Bank of India ? State Bank of Hyderabad ? State Bank of Mysore ? State Bank of Patiala ? State Bank of Travancore ? State Bank of Bikaner And Jaipur
?
Private Sector Banks
Old 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 India
? ? ? ? ? ? ? ? ? ?
ABN AMRO Bank N.V. Abu Dhabi Commercial Bank Ltd American Express Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia
Bank of Tokyo Mitsubishi UFJ ? Barclays Bank ? BNP Paribas ? Calyon Bank ? ChinaTrust Commercial Bank ? Citibank ? DBS Bank ? Deutsche Bank
?
?
? ? ? ? ? ? ? ? ? ?
HSBC (Hongkong & Shanghai Banking Corporation) JPMorgan Chase Bank Krung Thai Bank Mashreq Bank Mizuho Corporate Bank Oman International Bank Shinhan Bank Société Générale Sonali Bank Standard Chartered Bank State Bank of Mauritius
Cooperative Banks
Urban Cooperative Banks. ? State Cooperative Banks.
?
MAJOR MARKET SHARE-2011
OTHERS 36% SBI 18% ICICI 14% HDFC 12%
AXIS 10%
PNB 10%
CHALLENGES FACED BY BANKING INDUSTRY IN INDIA
? Deregulation ? New
rules
? Efficiency ? Diffused
customer loyalty mindset gap
? Misaligned
? Competency
ABOUT ICICI BANK
Industrial Credit and Investment Corporation of India ? Founded in 1955 by as a joint-venture of the World Bank ? ICICI 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 BANK
? ? ? ? ? ? ? ?
Type: Founded: Headquarter: Industry: Net revenue: Net Profit : Employees: Website:
Public 1995 Mumbai,Maharashtra,India Banking, Financial service US$ 13.812 billion (2011) US$ 1.366 billion (2011) 79,978 (2011 www.icicibank.com
BOARD OF DIRECTORS
?
?
? ? ?
Chairmen : CEO : Executive Director : Vice president : Bhaga General manager :
K.V.Kamath Chanda Kochhar N. S. Kannan Mr. Vishvesh G. Ms. Shilpa Kumar
NETWORK OF ICICI
? ? ? ?
It has 8003 ATMs in the country The 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 SERVICES
Travelers 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 Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank
? ? ? ? ? ? ? ? ? ? ? ?
Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank
ICICI GROUP
CUSTOMER SERVICE
RESOURCE MOBILISATION
INTERNET BANKING INNOVATIONS
CREDIT MANAGEMENT
SMART CARDS
ATMS
ASSET LIABILITY MANAGEMENT
SWOT ANALYSIS OF ICICI
STRENGTHS ? II 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/service ? Focus only on high end customers ? Transaction cost.
?
OPPORTUNITIES
New IT & ITES companies ? Dissatisfied customers of other Bank ? Business advising for smaller players ? Expanding business to the middle and lower income groups.
?
THREATS
Dissatisfied customers ? Ever improving nationalized bank ? Advent of MNC banks ? More 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.
?
doc_579866086.pptx
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 PostIndependence
Owdh Commercial Bank(1881)
Nationalization of Banks
Punjab National Bank (1895) The Bank of India (1906), Bank of Baroda Ltd (1908), Central Bank of India Ltd (1911)
Imperial Bank of India brought under public ownership (1955)
Formation of State Bank Group (1955-59)
Reserve Bank of India (1935)
Emergence of New Private Sector Banks (1993)
Banks Market Structure In India
6% 17% Public Banks Private Banks Foreign Banks 77%
BANKING STRUCTURE IN INDIA
Commercial Banks ? Cooperative Banks
?
Commercial Banks
Public Sector Banks – (26). ? Nationalized Bank ? Other Public Sector Banks (IDBI) ? SBI And Its Associates
?
Private Sector Banks - (25). ? Old Private Banks ? New Private Banks ? Foreign Banks In India – (29). ? Regional Rural Banks – (95).
?
Public Sector Banks
Nationalised banks. ? Allahabad Bank ? Andhra Bank ? Bank Of Baroda ? Bank Of India ? Bank Of Maharastra ? Canara Bank ? Central Bank Of India ? Corporation Bank ? Dena Bank ? Indian Bank
Indian Overseas Bank ? Oriental Bank Of Commerce ? Punjab & Sind Bank ? Punjab National Bank ? Syndicate Bank ? UCO Bank ? Union Bank Of India ? United Bank Of India ? Vijaya Bank
?
SBI And Its Associates
State Bank of India ? State Bank of Hyderabad ? State Bank of Mysore ? State Bank of Patiala ? State Bank of Travancore ? State Bank of Bikaner And Jaipur
?
Private Sector Banks
Old 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 India
? ? ? ? ? ? ? ? ? ?
ABN AMRO Bank N.V. Abu Dhabi Commercial Bank Ltd American Express Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia
Bank of Tokyo Mitsubishi UFJ ? Barclays Bank ? BNP Paribas ? Calyon Bank ? ChinaTrust Commercial Bank ? Citibank ? DBS Bank ? Deutsche Bank
?
?
? ? ? ? ? ? ? ? ? ?
HSBC (Hongkong & Shanghai Banking Corporation) JPMorgan Chase Bank Krung Thai Bank Mashreq Bank Mizuho Corporate Bank Oman International Bank Shinhan Bank Société Générale Sonali Bank Standard Chartered Bank State Bank of Mauritius
Cooperative Banks
Urban Cooperative Banks. ? State Cooperative Banks.
?
MAJOR MARKET SHARE-2011
OTHERS 36% SBI 18% ICICI 14% HDFC 12%
AXIS 10%
PNB 10%
CHALLENGES FACED BY BANKING INDUSTRY IN INDIA
? Deregulation ? New
rules
? Efficiency ? Diffused
customer loyalty mindset gap
? Misaligned
? Competency
ABOUT ICICI BANK
Industrial Credit and Investment Corporation of India ? Founded in 1955 by as a joint-venture of the World Bank ? ICICI 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 BANK
? ? ? ? ? ? ? ?
Type: Founded: Headquarter: Industry: Net revenue: Net Profit : Employees: Website:
Public 1995 Mumbai,Maharashtra,India Banking, Financial service US$ 13.812 billion (2011) US$ 1.366 billion (2011) 79,978 (2011 www.icicibank.com
BOARD OF DIRECTORS
?
?
? ? ?
Chairmen : CEO : Executive Director : Vice president : Bhaga General manager :
K.V.Kamath Chanda Kochhar N. S. Kannan Mr. Vishvesh G. Ms. Shilpa Kumar
NETWORK OF ICICI
? ? ? ?
It has 8003 ATMs in the country The 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 SERVICES
Travelers 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 Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank
? ? ? ? ? ? ? ? ? ? ? ?
Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank
ICICI GROUP
CUSTOMER SERVICE
RESOURCE MOBILISATION
INTERNET BANKING INNOVATIONS
CREDIT MANAGEMENT
SMART CARDS
ATMS
ASSET LIABILITY MANAGEMENT
SWOT ANALYSIS OF ICICI
STRENGTHS ? II 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/service ? Focus only on high end customers ? Transaction cost.
?
OPPORTUNITIES
New IT & ITES companies ? Dissatisfied customers of other Bank ? Business advising for smaller players ? Expanding business to the middle and lower income groups.
?
THREATS
Dissatisfied customers ? Ever improving nationalized bank ? Advent of MNC banks ? More 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.
?
doc_579866086.pptx