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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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