ICICI WM Brochure

8/7/2019 ICICI WM Brochure

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Expertise to back you



Whatever you dream, we realize it with you.




page 03

It is said that the most dazzling dreams come to those who

have the fervour to see them through. Adding brilliance to

this power is the Wealth Management services suite from

the nation’s leading private sector bank.

Presenting ICICI Bank Wealth Management

Wealth is the result of a recognized opportunity. At ICICI

Bank Wealth Management we understand this and work

with you to plan and manage your financial opportunities

prudently.

An exclusive initiative, ICICI Bank Wealth Management,

provides you that much-needed thrust, required to set

another milestone. Not just that, we also extend a host

of services so you can remain focused on immediate

objectives while we take care of all your wealth

management requirements.

As a diligent and well-

e x p e r i e n c e d we a l th

management expert; we

will partner and guide

you just as we do with other industrious

and successful individuals like yourself.

We will realize the long term objectives

for your wealth, so you can be confident

of a future that ’s as rich and luxuriant as your today.

Rest assured, your wealth will be backed by minds as

driven to realise your dreams, as you.

Please refer to the end of the brochure for terms and conditions.



Syncronised Strengths Together, we chart your success




ICICI Bank is India’s second largest bank, with over 50

years of financial experience and 14 million customers

worldwide. Today, ICICI Bank is a global bank, with its

presence in 18 countries across the globe. ICICI Bank is the

first Indian company to be listed on the New York Stock

Exchange and is a part of the well-established and hugely

successful ICICI Group. The ICICI Group has expertise in

many financial services from banking to broking, mutual

funds to insurance, home loans, venture funds and much

more. The Group is the largest consumer credit provider

and the largest private sector life and general insurer in

India, with diverse products and varying expertise. All

blended to bring you a gamut of financial services to

ensure that you have the advantage in every financial

decision, no matter where you are.

Benefit from the synergy that only comes from

a well diversified banking group’s expertise

that ranges across the financial sector.

page 05Please refer to the end of the brochure for terms and conditions.



ICICI Group Strengths




- Largest private general

insurance company in India

Comprehensive general insurance

coverage for institutional and individual

needs.

- Among the top three Asset

Management Companies in India

- Largest provider of Portfolio

Management Services

Investment across asset classes through

Mutual Funds and Fund of Funds. Cus-

tomised equity investments through PMS.

- Largest private life insurance

company in India

Customised protection and retirement

solutions for you.

- Dominant player in real estate advice,

investment consulting and brokerage

Integrated provider of real estate advice

and investment services.

- Market leader in online trading

- USP of integrated bank, demat and

trading account

- Largest private equity and venture fund

management company in India

Enables you to participate in high growth

companies through venture funds.

Provides seamless online trading

capability in India equities, derivatives,

mutual funds and Initial Public Offerings.

- Leadership in investment

banking business

- Largest arranger of funds indebt and equity

Provides access to private placement

deals and helps you in your investment

banking needs.



A perfect partnership isabout similar perspectives.




Your Dedicated Wealth Manager

A dedicated Wealth

Manager is central to

an ICICI Bank Wealth

Management relationship

and is the face of the Bank.

Your Wealth Manager

will be more than just

a one-point contact for

all your banking and

financial needs. In fact he/she will be your personal guideto the possibilities of Wealth Management, and will work

closely with you in achieving your financial goals. He/She

will put you in touch with our panel of financial experts

for specialized solutions and liaison within the various

page 09

Goals, challenges,milestones. What drives

you, drives us too. That’s why we have a team

of determined and seasoned professionals

who not just assist you in your requirements,

but also partner closely in your growth to

bring your dreams to fruition.

ICICI Group Companies on your behalf, ensuring that

you have the expertise of one of India’s biggest and the

most innovative powerhouse at your disposal. In order

to maintain seamless and uninterrupted service, you will

also have access to a Customer Service Manager/Officer,

who will complement your Wealth Manager.

Expert minds to give you expert solutions

Your Wealth Manager is only a part of the larger team

which ensures that your money works harder. Working

silently behind the scenes is a team of product experts.These handpicked experts have a wealth of financial

experience under their belt and will assist you in your

decision-making process.




Disciplined

Portfolio

Building

Approach

Understanding

Financial

Goals

Investment

Plan

Portfolio

Review

PortfolioMaintenance

PortfolioConstruction

• Risk Profile

• Investment Objectives

• Existing Portfolio

• Asset Allocation

• Cash flow

planning

• Rebalance

existing

portfolio

• Execution of debt,

equity and other

investments

• Tactical rebalancing

• Maintain asset allocation

• Review investment

objectives. Portfolio

progress, asset

allocation and

portfolio strategy




page 11

We understand your financial goals

Our investment process starts

with understanding you -

your background, investment

objectives, risk tolerance andexisting investment pattern. A

comprehensive Client Profiling

exercise helps us in evaluating

your risk appetite and understanding your investment

objectives, which are kept in mind while building

your portfolio.

Planning your Investments

Based on your investment goal, wealth requirements,

investment horizon and risk profile, we construct a suitable

asset allocation plan for you. During this exercise, we also

evaluate and realign your existing investments as per the

suggested asset allocation, in case required by you.

Constructing a strong Portfolio

From our wide range of investment avenues, we construct

appropriate solutions to implement your investment

plan and evolve a tailor-made portfolio for your specific

requirements. This would involve execution of investmentsin debt, equity, structured products or alternative asset

classes as per the suggested asset allocation.

Maintaining your Portfolio

We monitor your investments and periodically suggest

rebalancing in the portfolio for maintaining the asset

allocation or aligning your portfolio to changes in macro-economic factors that might affect your investments.

Reviewing your Portfolio

As your investment preferences or financial goals change

over a period of time, we review your portfolio periodically

with you to discuss and implement any changes in asset

allocation or portfolio strategy. All with a view to keeping

your portfolio healthy at all times.




Wealth Management Solutions & Products




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Mutual Funds

ICICI Bank Wealth Management offers you advice on the

entire universe of mutual funds. So be it equity funds,

where you look for growth and capital appreciation or

debt funds for capital preservation, we can help you selectthe right mix to suit you. Choose from an array of more

than 15 fund houses with innumerable schemes.

Structured Products

Our Structured Product offerings are tailor-made to suit

your investment objective and risk appetite. Our services

include Discretionary Portfolio Management and speciallydesigned products that are Equity or Index-linked in

nature.

Alternate Asset Products

ICICI Bank Wealth Management broadens your investment

avenues. We offer products which complement your

existing investments eg. Art Funds, Private Equity

Funding, Realty Funds. So, if you’re looking beyond the

stock market, you’ll find us there too!

Life Insurance & Retirement Solutions

No need to worry about your family’s future or your

expenses post-retirement. ICICI Bank Wealth Management

has your protection and pension covered. With our

assistance you can choose a plan customized to your

benefit. Your future is secure with us.

General Insurance

ICICI Bank Wealth Management

doesn’t just protect your

life, but also makes everyday

living simple. We offerproducts in areas of Health

Insurance, Home Insurance,

Travel Insurance and Motor

Insurance. So stay protected

wherever you are...be it driving your favorite car or flying

the skies!

Icicidirect.com

ICICI Bank Wealth Management brings you the best

value for money through competitively priced brokerage

charges for Online share trading services from icicidirect.

com. With a 3-in-1 account consisting of a trading account,

ICICI Bank savings account and demat account, you can

stay connected to the market at all times. To add to this,

we give you a waiver on account opening charges too.

Fixed Deposits

Choose from our wide variety of Fixed Deposits. Be it

that Recurring Deposit for your monthly saving plan, or

your Floating Rate Deposits to take advantage of dynamic

interest rates... ICICI Bank Wealth Management has it all.

Our Fixed Deposits are competitively priced and offer you

better yields than similar savings instruments.




Wealth Management Privileges




page 15

As an exclusive client of ICICI Bank Wealth

Management, we have put together a host of

special conveniences, so you can enjoy your

banking experience even more and feel every

bit privileged.

Our Banking Products and Services

As our valued Wealth Management client, ICICI Bank

will take that extra step to make you feel special. Be it

Preferred Rates on loans or deposits; Privileged Features

on your account or Priority Processing on any product/

service you seek.

Access to any Bank’s ATM

You are entitled to unlimited

access to the ATMs of any bank.

You can withdraw cash or do

a balance inquiry at any of the

ATMs...absolutely free!

Money Multiplier

With your Wealth Management account, we give you

the opportunity to earn interest rates of a Fixed Deposit!

When the balance in the savings account exceeds

Rs.10,000/- money in multiples

of Rs.5000/- can be converted

into a fixed deposit. This fixed

deposit will automatically be

broken whenever the balance in

your savings account falls below

Rs.10,000/-. This ensures that

you enjoy the returns of a fixed deposit and liquidity of a

savings account. This facility is available on request.

Our Range of other services

• Waiver of charges for non-maintenance of Average

Quarterly Balance

• Discount/waiver on safety locker charges

• Anywhere banking - complete waiver of charges

• Demand draft/Pay order - complete waiver of charges

• Free Multi-city Cheque Book - makes outstation financial

transactions just a signature away.





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Investment & Services

ICICI Bank Pure Gold

You can purchase ICICI Bank Pure Gold coins/bars at

preferential rates. Our 24 Carat Gold

is imported from Switzerland and

carries a 99.99% Assay Certification,

signifying highest level of purity, as

per international standards.

Credit Assistance

We offer a wide array of Home Loans, Personal Loans and

Auto loans. You can also enjoy preferential interest rates,

discounted processing fees, enhanced loan limits and

priority processing of loans.

Foreign Exchange Services

Enjoy benefits as you travel the globe

with our Forex services.

• American Express Travelers cheques

and ICICI Bank Travel Card

• No load/reload charges on travel

card

• No commission charges on Travelers Cheque.

• Benefit from preferential rate on sale and encashment

of foreign currency.

3-in-1 Account

Get the best value for your money through competitively

priced brokerage charges from icicidirect.com. With a 3-

in-1 account consisting of trading, ICICI Bank account and

demat account, you can enjoy:

• Competitive priced brokerage rates

• Reduced account opening charges

• Online share trading services

Other offerings

Internet Banking

Log on to www.icicibank.com and you can bank at “your

convenience” at anytime and from anywhere.

Mobile Banking

With Mobile Banking from ICICI Bank, you can conduct

several banking transactions. It’s quick, convenient and

absolutely safe.




Wealth Management Exclusives




page 19

Exclusive Phone Banking

Simply register your mobile number with us and every

call you make to our customer care centre will be directly

connected to the Wealth Management Phone Banking

Officer.

Credit Card

As a Wealth Management customer

you are eligible for a Personalised

Credit Card. With this credit card you

can avail of preferential treatment,

discounts, rewards and privileges at

the finest resorts, hotels, restaurants,

shopping malls, spas and health clubs.

Debit Card

You also have your very own Personalised Wealth

Management Platinum Debit Card. This card brings

together a host of benefits and offers that are valid both

nationally and internationally.

Exclusive Wealth Management Zones

Get your own private space at exclusive Wealth

Management Zones in select ICICI Bank branches.

Seminars and Special Events

We at ICICI Bank Wealth

Management help you stay

tuned to the latest trends in

financial markets with special

invitations to seminars on

key investment-related topics

like Capital Markets, Taxation,

Union budget and Regulatory

environment conducted by experts in their field. We

also go beyond taking care of your financial needs,

and encompass your cultural interests as well. We take

immense pride in hosting exclusive events for discerning

clients like you.

Dedicated Service Helpline

You can email your request to:

[email protected] or call our

Toll Free no. at 1800-22-8181 and connect with a Wealth

Management Phone Banking Officer.




We share your vision. We back it better.

You have persevered through time

to build your wealth, and now it’stime you took a decisive step to

augment it further.

ICICI Bank Wealth Management

draws on the knowledge we

possess to conserve, manage

and appreciate your wealth most

prudently. Make the most of your

wealth and let our expertise be

your guide...

To learn how we can help you,

feel free to call us on our Toll Free

no. 1800-22-8181 (Accessible from

BSNL/MTNL landlines only) or

write to us at headwealthmanage

[email protected]





page 21

Terms & Conditions

This document and the information contained herein are strictlyconfidential and are meant solely for the selected recipient to whom it

has been specifically made available by ICICI Bank Limited (“ICICI Bank”).This document may not be altered in any way, transmitted to, copied ordistributed, in part or in whole, to any other person or to the media orreproduced in any form, without prior written consent of ICICI Bank.

ICICI Bank is a banking company incorporated and regulated under IndianIaws and maintains its corporate office in Mumbai, India. This documentis given only by way of information and is subject to change withoutnotice. The information provided herein is not an offer or solicitationfor any application or subscription for deposits or any other products orservices and is not intended for distribution to, or use by, any person inany jurisdiction where such distribution or use would (by reason of thatperson’s nationality, residence or otherwise) be contrary to law or regulation

or would subject ICICI Bank or its affiliates to any licensing, registrationor other legal requirements. THE INFORMATION CONTAINED IN THISDOCUMENT IS NOT INTENDED TO NOR SHOULD IT BE CONSTRUED TOREPRESENT THAT IClCI BANK PROVIDES ANY PRODUCTS OR SERVICESIN ANY JURISDICTION WHERE IT IS NOT LICENSED OR REGISTERED ORAUTHORISED TO DO SO.

The products described in this document may not be protected againstsovereign risk including risks arising from any changes in applicable Indianor other relevant laws, represent speculative investments and may involvea high degree of risk. Investors’ capital may not be guaranteed in anyrespect and they could lose all or substantial portion of their investment.Please familiarise yourself with all the terms and conditions pertainingto the specific products and services prior to availing of it. ICICI Bank

is not acting as your advisor or in a fiduciary capacity in respect of theproducts and services referred to in this document, and accepts no liabilitynor responsibility whatsoever with respect to the use of this documentor its contents. Nothing in this document is intended to constitutelegal, tax, securities, or investment advice, or an opinion regarding theappropriateness of any investment, or a solicitation of any type. Thecontents in this document are intended for general information purposesonly and should not be acted upon without first obtaining specific legal,tax, and investment advice from a licensed professional concerning yourown situation and any specific investment questions you may have beforeentering into any financial transaction.

Any reference to service levels in this document are only indicative and

should not be construed to refer to any commitment by ICICI Bank or anyother service provider. Interest rates are only cited as examples of ratesthat may be in effect from time to time and are only indicative and aresubject to change at any time at the sole discretion of ICICI Bank or its

affiliates, as the case may be. The financial or other projections etc. setout in this document have been prepared based upon projections that

have been determined in good faith and from sources deemed reliable.There can be no assurance that such projections will be accurate. ICICIBank does not accept any responsibility for any errors whether causedby negligence or otherwise or for any loss or damage incurred by anyonein reliance on anything set out in this document. The information in thisdocument reflects prevailing conditions and our views as of this date, all ofwhich are expressed without any responsibility on our part and are subjectto change. In preparing this document, we have relied upon and assumed,without independent verification, the accuracy and completeness of allinformation available from public sources or which was provided to usor which was otherwise reviewed by us. Past performance cannot be aguide to future performance. No reliance may be placed for any purposewhatsoever on the information contained in this document or on its

completeness. The information set out herein may be subject to updating,completion, revision, verification and amendment and such informationmay change materially.

Any investment in any fund/securities etc described in this documentwill be accepted solely on the basis of the fund’s/securities’ OfferingMemorandum and the relevant issuing entity’s constitutional documents.Accordingly, this document should not form the basis of, and should notbe relied upon in connection with, any subsequent investment in the fund/security. To the extent that any statements are made in this document inrelation to the fund/security, they are qualified in their entirety by the termsof the Offering Memorandum and other related constitutive documentspertaining to the fund/ security, which must be reviewed prior to makingany decision to invest in the fund/security.

This document does not constitute an offer to sell or a solicitation of anoffer to sell any securities to any person in any jurisdiction. ICICI Bank,its affiliates and any of their licensers,directors, employees, or agentsshall not be held liable for any direct, indirect, incidental, special, orconsequential damages arising out of the use of information containedherein. Potential investors should request for relevant product informationbefore making any investment decisions as this document does not, andis not, a document that relates to any investment product.

The above mentioned is not a complete list of the risks and disclosures andother important disclosures may be involved in availing of the productsand services described herein.

The use of this document is subject to the terms and conditions specifiedherein and the users shall be deemed to have read, understood andconsented to these terms and conditions.



Expertise to back youExpertise to back you

Contact us at

If you have any query related to any ICICI Bank product,

kindly call on our toll free number – 1800-22-8181.

Ahmedabad : 6630 9890

Andhra Pradesh : 98495 78000

Bangalore : 4113 1877

Bhubaneshwar : 99384 88000

Chandigarh : 505 5700

Chattisgarh : 98932 08000

Chennai : 4208 8000

Coimbatore : 435 8000

Cuttack : 99384 88000

Delhi : 4171 8000

Delhi (Mobile) : 98181 78000

Darjeeling : 99330 08000

Goa : 98904 78000

Gujarat : 98982 78000

Guwahati : 99541 08000

Haryana : 98961 78000

Himachal Pradesh : 98166 08000

Hyderabad : 2312 8000

Indore : 402 2005

Jamshedpur : 99340 08000

Karnataka : 98455 78000

Kerala : 98954 78000

Kochi : 98954 78000

Kolkata : 98313 78000

Lucknow : 99362 18000

Madhya Pradesh : 98932 08000

Maharashtra : 98904 78000

Mumbai : 2830 7777

Orissa : 99384 88000

Patna : 99340 08000

Pune : 98904 78000

Punjab : 98155 58000

Rajasthan : 98292 22292

Ranchi : 99340 08000

Siliguri : 99330 08000

Tamil Nadu : 98944 78000

UP East : 99362 18000

UP West : 98973 08000

Uttaranchal : 98973 08000

West Bengal : 99330 08000

ICICI WM Brochure

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