ICICI Bank

1. Presentation on Principles of Management
October 16, 2011
Industrial Credit & Investment Corporation of India

2. Presented by:
Prathamesh Parab Mahesh Damani
Yogendra Wagh Poonam Gawde
Sadanand Inamdar Bharat Mohite
Ramaraj Venu

3. 3
AGENDA
Introduction
Awards & Rewards
Vision
Managerial person of the ICICI
ICICI Group of Companies
Organisation Structure
Management Style
ICICI Strategy for Managing future challenges
Vision for 2015 India
Going Forward

4. 4
INTRODUCTION
ICICI Bank was established in 1994 by the Industrial
Credit and Investment Corporation of India, an Indian
financial institution, as a wholly owned subsidiary.
The parent company was formed in 1955 as a joint-
venture of the World Bank, India's public-sector banks
and public-sector insurance companies to provide project
financing to Indian industry.
The bank was initially known as the Industrial Credit and
Investment Corporation of India Bank, before it changed
its name to the abbreviated ICICI Bank. The parent
company was later merged into ICICI Bank.
ICICI Bank acquired the Bank of Madura Limited in an
all-stock deal in 2001, and sold additional stakes to
institutional investors during 2001-02.

5. In October 2001, the Boards of Directors of ICICI and
ICICI Bank approved the merger of ICICI and two of its
wholly owned retail finance subsidiaries, ICICI Personal
Financial Services Limited and ICICI Capital Services
Limited, with ICICI Bank. The merger was approved by
shareholders of ICICI and ICICI Bank in January 2002, by
the High Court of Gujarat at Ahmedabad in March 2002,
and by the High Court of Judicature at Mumbai and the
Reserve Bank of India in April 2002.
Now ICICI is the India's second-largest bank with total
assets of Rs. 4,062.34 billion (US$ 91 billion) at
March’2011 and profit after tax Rs.51.51 billion for the
year ended march’2011. The Bank has a network of 2,535
branches and about 6810 ATMs in India and presence in
18 countries including India.

6. 6
AWARDS & REWARDS
•India's Most Trusted Service Brands" by Brand Equity,
ICICI Bank won the Best Local Bank – Gold by Trade Awards, UK
ICICI Bank was awarded The Asset Triple A Awards, Hongkong
Best Domestic Transaction Bank (India)
For 6th consecutive year won the Best Domestic Trade Finance
Bank (India)
First Bank in India to launch website - 1996
First Bank in India to launch Internet Banking - 1997
First Bank in India to launch online bill payment-1999
Only Bank in India with million online customers
Tie-ups with 50 utilities for online payments
Talks with state governments/ municipalities to facilitate e-
governance
Best e-Commerce Bank (India)
Best SME Bank (India)
ICICI Bank brand to figure in the BrandZ Top 100 Most Valuable
Global Brands Report 2011

7. 7
VISION
Our goal is to be a truly universal bank - Ms.Chanda Kochhar
MD and CEO ICICI Bank
Sustained double-digit growth is a certainty going forward
-Mr.K.V.Kamath,Chairman,ICICI Bank.
ICICI Bank and American Express Global Network Services will Launch ICICI American Express Prepaid Travel Card.
Amalgamation of Bank of Rajasthan Ltd. with ICICI Bank Ltd.
ICICI's Go Green initiatives to save 30,000 trees in 2011-14

8. 8
MANAGERIAL PERSON OF THE ICICI
K.V.KAMATH
The Chairman of Infosys Technologies, the second-largest IT services
company in India, and Non-Executive Chairman of ICICI Bank,
India's largest private bank. Mr. Kamath served as ICICI Bank's
Managing Director and CEO from May 1, 1996 until his retirement
from executive responsibilities on April 30, 2009.[1] Moreover, Mr.
Kamath is currently an independent Director of Houston-based oil
services company Schlumberger and Indian pharmaceutical Lupin.
KALPANA MORPARIA
Kalpana Morparia from ICICI', she surprised many when she moved
from ICICI Bank after thirty three long years to financial services firm
JPMorgan. Morparia now leads all the various businesses and services
of JP Morgan in India. The tough boss (though she believes otherwise)
who is a regular on all the woman power rankings, doesn't believe in
the glass ceiling, preferring to let her work talk for her.

9. 9
ICICI GROUP OF COMPANIES
•ICICI Bank
Personal or Global Private Banking
NRI Banking & Mobile Banking
Wealth Management
Corporate Banking
Business Banking
ICICI Prudential Life
Insurance Company
Insurance
ICICI Securities
Dmat Services, Treasury &
Custody
Retail Institutions
ICICI Lombard General
Insurance Company
CAR Insurance
ICICI Prudential AMC &
Trust
Internet Banking
•ICICI Venture
Filing Tax Returns & Payments
Fund Manager
•ICICI Direct
Investments & Cards Business
Mutual Funds
FX Management
•ICICI Foundation
Loans, Accounts & Deposits – Personal &
Home Loans
•Disha Financial Counselling
Advisory & Consultancy Services
Asset Management Services

10. ORGANISATION STRUCTURE

11. MANAGEMENT STYLE
•Introduced concept of branding in the Indian banking industry
•Process, People and Physical evidence – brought to life by ICICI
•Product Innovation
•Introduction of DSA’s and DST’s
•Unleashed the power of the internet
•To focus on retail banking as a driver for growth
•Comprehensive data centre availability & data protection solutions
•Focus areas of marketing effort
•Target marketing and customer acquisition
•Share of wallet
•Channel strategy and management
•Relationship management and database marketing
•Product development & innovation
•Credit approval

12. ICICI STRATEGY FOR MANAGING
FUTURE CHALENGES
•Differential marketing Strategy
•Product Promotion
•Distribution Strategy
•Public Relation
•Development Banking in India
•Small & Medium Enterprises- Service & Delivery
•More focus on Online Products
•Smart card solution for Farmer Service Center
•Social Initiatives

13. DIFFERENTIAL MARKETING STRATEGY
•Tailors its
marketing
campaigns to meet
the needs of its
target
prospects
•Creates
differentiated
product offering
for different
segment
•Use of technology
in tracking
customer segment

14. DISTRIBUTION STRATEGY
•Cross selling of products as a major area of focus
•Creation of concept of DSA (Direct Selling Agent)
•Creation of concept of DST (Direct Selling Team)
•Effort on the part of the bank to reach the customer rather than waiting
for the customer
•Use of internet, mobile, ATM’s and other technological device to
reach and serve the customers

15. 15
DEVELOPMENT BANKING IN INDIA
Priority Sector in India
Low capitalisation and limited assets
Geographical diversity
Non accessibility to credit history
Cyclical fund requirement and high commodity risk
Informal sector and uncorporatised
High dependence on Govt. support/ subsidies
Poor financial disclosure on account of tax issues
Product lead approach for each sector
Small and Medium Enterprise (SME)
Agriculture and Micro Finance
Community Banking
Internet and Electronic Banking
Branch remote approach
Central processing centers enable optimum monitoring

16. 16
SMALL & MEDIUM ENTERPRISES- SERVICE & DELIVERY
Information
Logging requests
Call centre
Customer
Branch
ATM
For all
transactions
except high
value cash
Drop box point
High value cash
transactions
Handles exceptions
Cross sells
Monitors accounts
Account/ Relationship
manager
Trade finance
factory
Credit factory
RPC/CPC
Processes all
pure credit
related requests
Processes all
trade related
requests for a
city
Provide
support
backbone for
all transaction
requests
Services
doorstep
deliveries
Information
Logging
requests
Internet
“Processing centres*”

17. 17
ONLINE PRODUCTS
e-banking in ICICI
ICICI Markets
online FX, Debt, SME
Portal
Corporate Infinity
online transfer/
settlement system
Bill Junction
Utility bill payments
Business Multiplier
web interface
ICICI Direct and ICICI
Select
Pay Seal
electronic payment
system

18. 18
SMART CARD SOLUTION FOR FSC
Bank Account/
Credit History
Output Sale
Collect Money
Farmer Service Center
•Credit
•Debit
•e-purse
Merchant
Store
Input
Online update of Bank accounts

19. 19
SOCIAL INITIATIVES – ICICI COMMUNITES
Give Online: On-line donation channel
Retail donors can donate to specific initiatives across
India
100% of donations reach the initiative
Prompt feedback on utilization of grant
Rs. 11.5 million towards Gujarat Earthquake
Shop the Cause: On-line shopping mall
Over 100 exquisite hand crafted products available
The only facility of its kind available to
non-profits in India

20. PRODUCT PROMOTION STRATEGY
Aimed at
generating
sales
Communicate
s product
features and
benefits
Mainly
through print
media
Point of
purchase
Advertising

21. 21
VISION FOR INDIA 2015
Drawn as per the UN Model Law for IT
World wide Legal recognition to
Electronic records
Electronic contracts
Digital signature
World wide Appointment of certifying authority and
controller
Issuer of public and private key
Controller - repository of all the signatures
e-Governance- Filing of documents in e-form

22. 22
GOING FORWARD
Apr 2010
Branch
41%
ATM
51%
Internet
4%
Call
Centre
4%
March 2011
Cops
7%
Branch
55%
Internet
5%
ATM
67%
Call
Centre
6%

23. e-ENABLING THE ECONOMY
THANK YOU !!!