ICICI HOME FINANCE 10% 3% 87% 62% 10%28% Total assets/liabilities: Rs. 128.15bn
Net Profit of Rs. 1.61bn in FY2010 as compared to Rs.1.43bn in FY2009
Capital Adequacy Ratio of 15.3% on March31, 2010
Net NPA ratio: 1.29%
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Compositionof Loan book, As on March, 2010 43% 60% 18% 4% Total loan book: Rs.1812bn Total retail loan book: Rs. 790bn Vehicle loan contains auto loan 10%, commercial business 6% & two wheeler 1%. Retail business group includes builder loan & dealer funding of Rs. 40.26bn. “Hum Hai Na” 11
ICICI Bank CANADA assets profile Total Assets: CAD 5.7bn “Hum Hai Na” 12
ICICI Bank UK assets profile Total assets: USD 7.4bn “Hum Hai Na” 13
ICICI Bank EURASIA assets profile Total liabilities: USD 406mn “Hum Hai Na” 14
It is the only Indian bank to be ranked as the 45th most valuable global brand
ICICI bank won the Asian Banker award for best banking security system
ICICI PRU life ranked as the most trusted pvt. Insurance brand in the brand equity
ICICI LOMBARD was awarded “Most Preferred General Insurance Brand” at CNBC consumer award 2010
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ICICI foundation for inclusive growth
ICICI group’s financial inclusive initiatives
Technology finance group
Read to lead campaign
Go Green. Each one for a better earth
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“Perfection in Power” VISION
To be the leading provider of financial services in India & a global player.
We will leverage our people, technology, speed & financial capital to:
Be the banker of first choice for our customers by delivering high quality, world class products & services. 2. Expand the frontiers of our business globally. 3. Maintain high standards of governance & ethics. 4. Create value for our stake holders. 17 "HUM HAI NA"
VALUES 18 "HUM HAI NA"
FUTURE PLANNING & CHALLENGES
To revive growth after the sub-prime crisis
To increase its presence across India through mergers.
To restore customer’s faith
To maintain its brand & position of its subsidiaries
To capitalize on its strength i.e. maintain its place globally
To reduce the operating expenses, NPL &NPA.
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FY2011: NON BANKING SUBSIDIARY ICICI LIFE ICICI LOMBARD ICICI AMC ICICI SECURITIES 20 “Hum Hai Na”
Growth then & now OPERATING ENVIRONMENT FY2009 FY2010 FY2011 “Hum Hai Na” 21
STRATEGY 22 “Hum Hai Na”
Other Subsidiaries Continued market leadership in private sector 23 “Hum Hai Na”
CAPITAL ADEQUACY RATIO TOTAL (CAR) IS 19.4% = Rs.571.2bn 24 “Hum Hai Na”
EQUITY INVESTMENTS IN SUBSIDIARIES Rs. In bn 25 “Hum Hai Na”
COMPOSITION OF BORROWING Rs. In bn 26 “Hum Hai Na”
FY2011: Reorganizing for customer centrity BRANCH AS PRIMARY CHANNEL FROM “PRODUCT FOCUS” TO “CONSUMER FOCUS” 27 “Hum Hai Na”
Cost/Average assets Stringent cost reduction
16.1% YOY reduction in operating expenses in FY2010
*DMA- Direct Marketing Agency “Hum Hai Na” 28
Saving deposits(Rs.bn) “Hum Hai Na” 29
FY- 2011 GROWTH STRATEGY Whole sale Banking
Infrastructure & other project finance
Mid-Corporate & SME segments.
Leverage expanded branch infrastructure
Secured Retail loans(mortgage & vehicle loans)
Selective growth in personal loans and credit cards
RetailBanking “Hum Hai Na” 30
PROGRESS IN EXECUTION OF STRATEGY TARGETS ON 4C ACHIEVED 31 “Hum Hai Na”
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
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BASIS FOR SEGMENTATION
Different products for different occupation identified
Minimum balance serves as income barrier
Concentrated on tier-1 & tier-2 cities, extending its reach 33 "HUM HAI NA"
ADVERTISING A man strolls down a beach, "Zindagi naam hai,mushkil ko aasaan banaane ka. Z A man strolls down a beach, "Zindagi naam hai,mushkil ko aasaan banaane ka Cut to a house, a man addresses the members,”I am Ajay Sharma from ICICI. Ma'am your home has been sanctioned.” Amitabh Bacchan turns to face the camera, "Bas. Ek bharosemand saathi hona chahiye." MVO: "Saathi jo zindagi ko aasan banaaye." Super: 'ICICI Group. Saral. Surakshit. Samajhdar 34 "HUM HAI NA"
ADVERTISING A couple enter ICICI Bank and areserved coffee as they wait toopen an account Super: How long does it take to open an account with ICICI Bank? ... disbelief and hands over the documents.VO: Have you opened an ICICI Bankaccount as yet? The man takes a swig from his cup... Super: Before your coffee goes cold. The executive smiles at their 35 “Hum Hai Na”
ADVERTISING 36 “Hum Hai Na”
NUMBER 1 BANKING BRAND IN INDIA 37 “Hum Hai Na”
NUMBER 1 BANKING BRAND IN INDIA 38 “Hum Hai Na”
To be more costumer oriented
Keep innovating with its products
To play a prominent role in the development of India