Services and Banking Products Provided

7/30/2019 Services and Banking Products Provided

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SERVICES AND BANKING

PRODUCTS PROVIDED

Personal Banking

Business Banking

Corporate Banking

NRI Banking

Privilege Banking

Wealth Management


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What is Personal Banking?The Services And Products Offered under Personal Banking

are:

Deposits and Accounts

Loans

Cards

Insurance Products

Demat Facility

Investment Products

Internet Banking

ATM Facility

Mobile Banking

Agricultural and Rural Banking


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What is Business Banking?

The facilities provided under it are:

Current account Facility

Business Loans

Advisory Services


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What is Privilege Banking?Salient Features:

Preferential Access

Over the Counter Servicing (OTC)

Priority Processing

Priority Updates

Other benefits and special offers


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What is NRI Banking?Services offered:

Savings Account

Money Transfer facility

Home loans

Life insurance

Loan against fixed deposit with the bank


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What is Corporate Banking?

Services provided:

Commercial Banking

Global Markets

Investment Banking

Financial Institutions, Capital markets and Custodial

services

Project finance


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What is Wealth Management?

Salient features:

Experts across various fields

Priority


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Brand value and Global position

ICICI Bank is the only Indian company to feature in the list

of top 100 global brands

Brand value - $14.9 billion

It is at the 53rd position in the league of world's 100 most

valuable brands compiled by global brands agency Millward

Brown.


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STRATEGIES OF THE BANK

Chasing retail deposit liabilities

Task force to control expenses and reduce wastes.

Short message service and emails to solicit its business.

Cautious on lending to consumers. Focus on high-income category customers.

Focus on relationship management.

Less focus on unsecured loans such as credit cards and

personal loans and more on secured loans such as

mortgages and auto finance.

ICICI is also seeking opportunities from government

business such as tax collection and salary accounts.


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SWOT ANALYSIS

SWOT analysis is basically a technique that enables a

group or an individual to move from everyday problems and

traditional strategies to a fresh prospective.

A SWOT analysis helps a company to identify the positiveand negative factors affecting an organizations growth.

It helps explore possibilities for new efforts or solutions to

problems.


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Location of Factor FAVORABLE UNFAVORABLE

INTERNAL STRENGHTS

Steady financial performance

and high efficiency generates

higher returns for

shareholders.

It has emerged as the second

largest bank in India.

It is considered as the pioneer

in usage of internet services

and online banking.

WEAKNESSES

Its main targets are the

middle class and upper middle

class.

It levies higher service

charges for various

transactions.

Overdependence on the

domestic Indian market

increases its business risk.

EXTERNAL OPPORTUNITIES

Rural financing and granting

loans to small enterprises canincrease market share and

profitability.

Expanding its business to

lower sections could increase

its customers.

THREATS

Global and domestic

economic slowdown couldaffect its financial performnce.

More and more banks are

coming up. Hence the online

banking system will no longer

remain the domain.


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Issues/Controversies Faced Model Anupama Verma has been cheated for a amount

of 17 Lakh Filed a case against the bank

Court fined RS 55 Lakhs to ICICI for employing

GOONS


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Credit RatingsAgency India ICICI Bank Limited

Senior Debt & Deposit Ratings of ICICI Bank Limited

Moody's FC - Long Term Baa2 Baa2

S & P

FC - Long Term BBB- BBB-

FC - Short Term A-3 A-3

JCRA FC - Long Term BBB+ BBB+

CARE

Rupee - Long Term - Care - AAA

Fixed Deposits - Care - AAA

Rupee - Short Term - PR1+

ICRA

Rupee - Long Term - LAAA

Term Deposit; - MAAA

Rupee - Short Term - A1+


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Awards

only Indian brand to be ranked as the 45th most valuable

global brand by BrandZ Top 100 Global Brands Report. ranked 1st in the term money category from a list of 38

leading Banks by the German magazine and three "Best

Bank" rankings by Euro magazine.

Forbes' 2000 most powerful listed companies' survey rankedICICI Bank 4th among the Indian

Corporate Dossier Annual Survey of India Inc's featured Ms

Chanda Kochhar, MD and CEO, as the most powerful

women CEO in India. She was ranked 13th in the overallpower list

They won 'Best Online Savings Account Provider' by Your

Money.


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won the Best Internet Account Provider in the inaugural

lovemoney.com Personal Finance Awards 2010

won the Best Internet Account Provider and Best

Monthly Interest Account Provider accolades in the

Moneyfacts 2009 Awards


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Aims

ICICI aims to be India's No. 1 bank

It Expands Number Of Branches

Ihe Bank beats estimates, aims NIM at 2.7% for Q4

ItAims At Reducing Bad Dabt Ratio. Aim to keep NIMs above 3%, loan growth of 20%

ICICI Bank aims an overall 15-16% credit growth


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Services and Banking Products Provided

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