The document provides an overview of the banking system in India. It discusses the definition of banking, the history of banks in India, and the evolution and structure of banking over time. It then focuses on ICICI Bank, describing its founding, operations, products/services, competitors, and marketing strategies. The document also includes a SWOT analysis of ICICI Bank.

1. INDUSTRIAL CREDIT AND INVESTMENT
CORPORATION OF INDIA
PRESENTED BY:
P.RAMPRASAD

2. 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

3. 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

4. Evolution of Banking
Pre-Independence Post-Independence
Owdh Commercial Bank(1881) Nationalization of Banks
Punjab National Bank (1895) Imperial Bank of India brought under
public ownership (1955)
The Bank of India (1906), Bank of
Baroda Ltd (1908), Central Bank of Formation of State Bank Group
India Ltd (1911) (1955-59)
Emergence of New Private Sector
Reserve Bank of India (1935) Banks (1993)

5. Banks Market Structure In India
6%
17%
Public Banks
Private Banks
Foreign Banks
77%

6. BANKING STRUCTURE IN INDIA
 Commercial Banks
 Cooperative Banks

7. 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).

8. 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

9.  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

10. 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

11. 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.

12.  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.

13. 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.

14. 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

15.  Bank of Tokyo Mitsubishi UFJ
 Barclays Bank
 BNP Paribas
 Calyon Bank
 ChinaTrust Commercial Bank
 Citibank
 DBS Bank
 Deutsche Bank

16.  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

17. Cooperative Banks
 Urban Cooperative Banks.
 State Cooperative Banks.

18. MAJOR MARKET
SHARE-2011
SBI
OTHERS 18%
36%
ICICI
14%
HDFC
AXIS
PNB 12%
10%
10%

19. CHALLENGES FACED BY BANKING INDUSTRY IN INDIA
 Deregulation
 New rules
 Efficiency
 Diffused customer loyalty
 Misaligned mindset
 Competency gap

20. 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.

21. PROFILE OF ICICI BANK
 Type: Public
 Founded: 1995
 Headquarter: Mumbai,Maharashtra,India
 Industry: Banking, Financial service
 Net revenue: US$ 13.812 billion (2011)
 Net Profit : US$ 1.366 billion (2011)
 Employees: 79,978 (2011
 Website: www.icicibank.com

22. BOARD OF DIRECTORS
 Chairmen : K.V.Kamath
 CEO : Chanda Kochhar
 Executive Director : N. S. Kannan
 Vice president : Mr.Vishvesh G. Bhaga
 General manager : Ms. Shilpa Kumar

23. 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

24. 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

25. 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

26.  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

27. ICICI GROUP

28. CUSTOMER
SERVICE RESOURCE
MOBILISATION
INTERNET CREDIT
BANKING MANAGEMENT
INNOVATIONS
ASSET LIABILITY
SMART CARDS MANAGEMENT
ATMS

29. 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.

30. 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.

31. OPPORTUNITIES
 New IT & ITES companies
 Dissatisfied customers of other Bank
 Business advising for smaller players
 Expanding business to the middle and
lower income groups.

32. THREATS
 Dissatisfied customers
 Ever improving nationalized bank
 Advent of MNC banks
 More and more banks are coming up.

33. 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

36. Sources: www.icicibank.com

38. Sources: www.icicibank.com

41. Sources: www.icicibank.com

42. Career Opportunities For Fresh MBA Graduates in Banks
 Branch Manager and Branch Operation
Manager.
 Chartered Accountants.
 Home Loan counselors.
 Sales Officer.
 Accountants.