SERVICES AND BANKING PRODUCTS PROVIDED

Personal Banking
Business Banking Privilege Banking NRI Banking Corporate Banking Wealth Management

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

What is Business Banking?

The facilities provided under it are:
Current account Facility

Business Loans
Advisory Services

What is Privilege Banking?

Salient Features:

Preferential Access
Over the Counter Servicing (OTC) Priority Processing Priority Updates Other benefits and special offers

What is NRI Banking?

Services offered: Savings Account Money Transfer facility Home loans Life insurance Loan against fixed deposit with the bank

What is Corporate Banking?

Services provided:

Commercial Banking
Global Markets Investment Banking

Financial Institutions, Capital markets and Custodial services

Project finance

What is Wealth Management?

Salient features: Experts across various fields Priority

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.

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.

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 positive and negative factors affecting an organizations growth. It helps explore possibilities for new efforts or solutions to problems.

Location of Factor INTERNAL

FAVORABLE 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. OPPORTUNITIES Rural financing and granting loans to small enterprises can increase market share and profitability. Expanding its business to lower sections could increase its customers.

UNFAVORABLE 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. THREATS Global and domestic economic slowdown could affect its financial performnce. More and more banks are coming up. Hence the online banking system will no longer remain the domain.

EXTERNAL

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

Credit Ratings
Agency
Senior Debt & Deposit Ratings of ICICI Bank Limited Moody's FC - Long Term FC - Long Term S&P FC - Short Term JCRA FC - Long Term Rupee - Long Term CARE A-3 BBB+ A-3 BBB+ Care - AAA Baa2 BBBBaa2 BBB-

India

ICICI Bank Limited

Fixed Deposits
Rupee - Short Term Rupee - Long Term

Care - AAA
PR1+ LAAA MAAA A1+

ICRA

Term Deposit; Rupee - Short Term

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 ranked ICICI 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 overall power list They won 'Best Online Savings Account Provider' by Your Money.

 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

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