complete mba project 1.doc

8/10/2019 complete mba project 1.doc

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A

Summer Training Report

ON ICICI BANK LTD.

Submitted in partial fulfillment of the requirements for theAward of degree of MASTER OF BUSIESS A!IMISTRATIO "MBA#

$%&'($%&)

Submitted by: !uided by:

Sa*hin +auba !r, Meena-shi +andhi

B"ARATI #ID$A%&&T" D&&'&D

(NI#&RSIT$

SC"OOL O) DISTANC& &D(CATION

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ST(D&NT (ND&RTAKIN!

This is to *ertif. that I Sa*hin +auba had *ompleted the /ro0e*t titled ICICI BANK

LTD. I under the guidan*e of Mrs Meena-shi +andhi in the partial fulfillment of the

requirement for the award of degree of MBA from Bharati.a 1id.apeeth !eemed

Uni2ersit.3 /une, This is an original pie*e of wor- and I had neither *opied nor submitted

it earlier elsewhere,

Student Name and Signature

Cour*e:

Dated:

Signature o+ t,e Student Signature o+ t,e !uide

De*ignation

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D&CLARATION

I hereb. de*lare that minor pro0e*t report entitled ICICI BANK LTD. is based on m.original stud. and has not been submitted ea*h for an. degree or diploma of an.

institution 4 uni2ersit.,

The wor- for the author"s#3 where2er used has been a*-nowledged at appropriate

pla*e"s#,

/la*e5 !elhi 6andidate7s Signature

!ate5 ame5 Sa*hin +auba

/R, o5

6ountersigned

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%R&)AC&

To achieve partial and concrete results, it is necessary that theoretical knowledge

must be supplemented with practical environment.Keeping this view in mind, I have completed my research work regarding ICICI

BANK LTD. y doing this research work I have learnt a lot o! things which

would be really help!ul !or me in !uture. This e"perience in decision making and

practical application o! knowledge has contributed greatly to my growth.

I take this opportunity to e"press my acknowledgement and deep sense o! gratitude

!or rendering valuable assistance and guidance to me by !ollowing personality !or

success!ul completion o! my pro#ect.

I am highly obliged to my pro#ect guide $rs $eenakshi %andhi !or his personal

encouragement, prompt assistance and help provided to me in completion o! my

pro#ect. &e has helped me a lot by giving suggestions and guidance whenever

needed. &is contribution has been e"tremely use!ul and is greatly appreciated. I

honor him knowledge and competence in the !ield o! management.

Sa*hin +auba

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ACKNO-L&D!&'&NT

I !eel it a matter o! great opportunity to pursue my summer training !rom ICICI

BANK LTD. I would like to convey my sincere thanks to my (nit $anager $rs

)hubhita %arg !or suggesting this topic and taking keen interest in solving our

every small problem, clearing our doubts and helping us to think, behave and act

!rom manager*s stand point.

+ word o! thanks also goes to all employees o! ICICI BANK LTD..,

$ayapuri ranch who guided us at every step, and helped with their valuable

suggestions.

I sincerely thank $rs. $eenakshi %andhi. $+ rogramme -oordinator

!or the support and help received during )ummer Training.

I would like to e"tend my sincere thanks to our team members !or all the

encouragement inspiration received during the course o! )ummer Training and

helping me in bringing out this report in its present !orm. I would also like to

thank all my !aculty members !or their constant support.

Thanks are also due to all !riends and batch mates !or their help and

support.

Sa,in !auba

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EXECUTIVE SUMMARY

The present report is prepared !or the partial !ul!illment o! $+ and as a part o!

-urriculum. This is an attempt to determine and do an ICICI BANK LTD..

The data collection is as analy0ed and some practical tools were applied to get

in!erences !rom the survey. The results are printed in !orms o! graphs and diagrams.

The report has two sections, in its !irst section company and industry pro!ile is given,

where as in as in second section, research methodology is given which includes

sample design, analysis on sample and !indings are given. )uggestions with respect to

the survey !or !uture improvement are given to improve the survey because their

competitors have also taken up the survey.

ith immense pleasure and deep sense o! sincerity, I have completed my

training. It is an essential reuirement !or each and every student to have

practical e"posure towards real world situations. + systemati0ed practical

e"perience to inculcate sel! con!idence in a student so that they can mentally

prepare themselves !or this competitive environment.

The purposes of Traii! are"

1. eveloping intellectual ability o! student

2. ringing con!idence

3. eveloping skills

'. $odi!y +ttitudes

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CONT&NTS

S.NO TO%IC %A!& NO.

& Student Underta-ing$ !e*laration' /refa*e8 A*-nowledgement) E9e*uti2e Summar.: 6ontents; C,apter/: Introdution

O2er2iew of the industr. as whole

/rofile of the 6ompan.

/roblem of the 6ompan.

6ompetition of the 6ompan.

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3. &istory and evelopment o! -ompany and

Industry

'. >ew evelopment o! -ompany and Industry

&% C,apter0: Data Ana1y*i* /rimar. !ata Anal.sis

Se*ondar. !ata Anal.sis

&& Re*ommendations ? 6on*lusions&$ @uestionnaire&' Bibliograph.

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C"A%T&R /

INTROD(CTION

O#&R#I&- O) T"& IND(STR$ AS -"OL&

I-I-I ank was established by the I#us$ria% Cre#i$ a# I&es$'e$

Corpora$io of I#ia (ICICI), an Indian !inancial institution, as a wholly owned

subsidiary in 1CC'. The parent company was !ormed in 1C// as a #oint5venture o!the orld ank, India*s public5sector banks and public5sector insurance companies

to provide pro#ect !inancing to Indian industry. The bank was initially known as

theIndustrial Credit and Investment Corporation of India Bank, be!ore it changed

its name to the abbreviatedICICI Bank. The parent company was later merged

with the bank

Visio"

To be the leading provider o! !inancial services in India and a ma#or global bank.

Missio6

e will leverage our people, technology, speed and !inancial capital to6 be the banker o! !irst choice !or our customers by delivering high uality,

world5class products and services. e"pand the !rontiers o! our business globally. play a proactive role in the !ull realisation o! IndiaDs potential. maintain a healthy !inancial pro!ile and diversi!y our earnings across

businesses and geographies. maintain high standards o! governance and ethics. contribute positively to the various countries and markets in which we

operate.

C
http://en.wikipedia.org/wiki/World_Bankhttp://en.wikipedia.org/wiki/World_Bank


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create value !or our stakeholders.

*+,e-$i&es

:a< to assist in the creation, e"pansion and modernisation o! private concernsE

:b< to encourage the participation o! internal and e"ternal capital in the private concernsE

:c< to encourage private ownership o! industrial investment.

u-$ios

:i< It provides long5term and medium5term loans in rupees and !oreign currencies.

:ii< It participates 9F the euity capital o! the industrial concerns.

:iii< It underwrites new issues o! shares and debentures.

:iv< It guarantees loans raised by private concerns !rom other sources.

:v< It provides technical,managerial and administrative assistance to industrial concerns.

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%rodut and Ser2ie*

Aount* and Depo*it*

Credit and Debit Card*

Loas

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I&es$'e$s

Isura-e /ro#u-$s a# Va%ue A##e# Ser&i-es

S$re!$hs of ICICI Ba0

I-I-I is the second largest bank in terms o! total assets and market share

Total assets o! I-I-I is 7s. 'G42.3' illion and recorded a ma"imum pro!it

a!ter ta" o! 7s. /1./1 billion and located in 1C countries

8ne o! the ma#or strength o! I-I-I bank according to !inancial analysts is its

strong and transparent balance sheet

I-I-I bank has !irst mover advantage in many o! the banking and !inancial

services. I-I-I bank is the !irst bank in India to introduce complete mobile

banking solutions and #ewelry card

The bank has +> India presence o! around 2,/4A branches and BGG3

+T$Ds

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I-I-I bank is the !irst bank in India to attach li!e style bene!its to banking

services !or e"clusive purchases and tie5ups with best brands in the industry such

as >akshatra, +smi, Ddamas etc

I-I-I bank has the longest working hours and additional services o!!ering at

+T$Ds which attracts customers

$arketing and advertising strategies o! I-I-I have good reach compared to

other banks in India

1ea0esses of ICICI Ba0

-ustomer support o! I-I-I section is not per!orming well in terms o!

resolving complaints

There are lot o! consumer complaints !iled against I-I-I

The I-I-I bank has the most stringent policies in terms o! recovering

the debts and loans, and credit payments. They employ third party agency to

handle recovery management

There are also complaints o! customer assault and abuse while

recovering and the credit payment reminders are sent even be!ore the

deadlines which annoys the customers

The bank service charges are comparatively higher

The employees o! I-I-I are bank in ma"imum stress because o! the

aggressive policies o! the management to win ahead in the race. This may

result in less productivity in !uture years

*ppor$ui$ies of ICICI Ba0

anking sector is e"pected to grow at a rate o! 1AH in the ne"t threeyears

The concept o! saving in banks and investing in !inancial products is

increasing in rural areas as more than 42H percentage o! IndiaDs population is

still in rural areas.

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+s per 2G1G data in T8I, the total number b5schools in India are more than

1/GG. This can ensure regular supply o! trained human power in !inancial products

and banking services

ithin ne"t !our years I-I-I bank is planning to open 1/GG new branches

)mall and non per!orming banks can be acuired by I-I-I because o! its

!inancial strength

I-I-I bank is e"pected to have 2GH credit growth in the coming years.

I-I-I bank has the minimum amount o! non per!orming assets

Threa$s of ICICI Ba0

7I allowed !oreign banks to invest up to A'H in Indian banking

%overnment sector banks are in urge o! moderni0ing the capacities to ensure

the customers switching to new age banks are minimi0ed

&=- is the ma#or competitor !or I-I-I, and other upcoming banks like

+I), &)- impose a ma#or threat

In rural areas the micro !inancing groups hold a ma#or share

Though customer acuisition is high on one side, the unsatis!ied customers

are increasing and make them to switch to other banks

&n2ironmenta1 Sanning

%o1itia1 and 1ega1 +ator*


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transactions.ased on this the insurance companies come up with new policies

with respect to the problems arising out o! !oreign legal #urisdiction, political

changes and also currency e"change di!!iculties being !aced by many developing

countries. 7e!orms in the Insurance sector were initiated with the passage o! the

I7+ ill in arliament in ecember 1CCC. The I7+ since its incorporation as a

statutory body in +pril 2GGG has !astidiously stuck to its schedule o! !raming

regulations and registering the private sector insurance companies. In India the

entry mode !or a company to start up a new li!e insurance company is to have a

paid up capital o! 1GG crore rupees. 8ther rules got in by I7+ are $andatory

Investments o! 9I- 9i!e =und in government securities to be reduced !rom A/H to

/GH %I- and its subsidiaries are not to hold more than /H in any company :There

current holdings to be brought down to this level over a period o! time%8s. The operators are mostly o! same si0e and withsame degree o! competition. The intensity increases when an established

organisation enter into the market by acuiring a weak !irm and implement

promotional strategies to boost the situation like I-I-I bank which acuired ank

o! $adura and now e"clusively look a!ter the micro !inance operations and !loated

the $icro credit =oundation o! India. In addition the !ormer ank o! $aduraDs

-hairman )hri. Thiyagara#an have started $adura $icro !inance and do !inance

with the help o! other commercial banks. +nother crucial !actor is the services

demanded by the customer are similar in nature !or e"ample the loan demanded by

a member o! )&% doesnDt e"ceed 7s.1/, GGG, e9t important fa*tor is the s*ope for

further de2elopment, As per the statisti*al pi*ture mi*ro finan*e has rea*hed onl. to '%

million people3 whereas $)% million people are below po2ert. line,

T"& BAR!AININ! %O-&R O) C(STO'&RS

In an. industr.3 the bargaining power of *ustomer depends upon the *on*entration of

bu.ers, Cere the bu.ers are in groups or *lusters, For e9ample SC+ has better

bargaining power than as an indi2idual, The. *an e9er*ise their power through the MFIs

that the. are affiliated, As an institution3 the. *an influen*e the de*isions of the supplier,

Another fa*tor is the a2ailabilit. of the substitute produ*ts and 2arious sour*es for the

same, Still in some remote 2illages3 people feel the lo*al mone.lenders as their eas.

rea*hable sour*e, This is be*ause most of them were not aware of the a2enues, E2en

now the. ha2e the mind set that *o(operati2e ban- and RRBs were their onl. sour*e of

mone. and for whi*h the. need *ollateral se*urit., Still there are people who per*ei2e

the MFI as one of the ban- whi*h pro2ide mone. without se*urit., In this en2ironment

first of all MFIs and go2ernment has to edu*ate the publi*3 parti*ularl. the illiterate and

ignorant people about this new so*ial phenomena,

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T"& BAR!AININ! %O-&R O) S(%%LI&RS

The donors should fo*us on *apa*it. building, The. should offer other finan*ial ser2i*es

li-e mone. transfer and guiding them in getting other finan*ial ser2i*es through other

sour*es, Refinan*e from the go2ernment or go2ernment aided institution to the MFIs or

though other sour*es should be in*reased, On the point of suppliers the pro*essing *ost

should be redu*ed to the minimum, Of late getting a finan*ial ser2i*e b. a SC+ member

from an. of the affiliated ban- is tough, This has to be mitigated, The donors ha2e to

design their ser2i*es relati2el. unique li-e in*luding CI14AI!S program in their

*ampaign, Onl. the e9pertise of the supplier and how the. are deli2ering is the feature

that *an portra. differentl. from other pla.ers,

C"A%T&R 4 5

R&S&ARC" '&T"ODOLO!$

Ob6eti2e o+ t,e Company

I-I-I ank*s %reen initiative is to make healthy environment in the organisation

i.e.E to create intrapersonal skills amongs the customer and understanding between

employees o! the organisation.

I-I-I ank is an Indian multinationalbankingand !inancial servicescompany

headuartered in $umbai, $aharashtra. +s o! 2G1' it is the second largest bank in

India in terms o! assets and market capitali0ation. It o!!ers a wide range o! banking

products and !inancial services !or corporate and retail customersthrough a variety

1C
http://en.wikipedia.org/wiki/Bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Market_capitalizationhttp://en.wikipedia.org/wiki/Retail_banking


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o! delivery channels and speciali0ed subsidiaries in the areas o! investment

banking, li!e, non5li!e insurance, venture capitaland asset management. The ank

has a network o! 3,B2G branches and 11,142 +T$sin India, and has a presence in

1C countries.

I-I-I ank is one o! theBig Four bankso! India, along with )tate ank o!

India, un#ab >ational ankand ank o! aroda. The bank has subsidiaries in the

(nited Kingdom, 7ussia, and -anadaE branches in (nited )tates, )ingapore,

ahrain, &ong Kong, )ri 9anka, Latar and ubai International =inance -entreE

and representative o!!ices in (nited +rab Jmirates, -hina, )outh +!rica,

angladesh, Thailand, $alaysia and Indonesia. The company*s (K subsidiary has

also established branches in elgium and %ermany.

I-I-I ank*s %reen initiative is to make healthy environment in the organisation

i.e.E to create intrapersonal skills amongs the customer and understanding between

employees o! the organisation.

road ob#ectives o! the I-I-I are6

1. to assist in the creation, e"pansion and modernisation o! private concernsE

2. to encourage the participation o! internal and e"ternal capital in the private

concernsE

3. to encourage private ownership o! industrial investment.

3ree pro#u-$s a# ser&i-es

Is$a+a0i!

It is the plat!orm that brings together all alternate channels under one umbrella and

gives customers the option o! banking through Internet banking, i5$obile banking,

IM7 anking. 8n 22nd )eptember 2G1' I-I-I ank launched =our >ew >e"t

%eneration $obile anking +pps.

2G
http://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Non-life_insurancehttp://en.wikipedia.org/wiki/Venture_capitalhttp://en.wikipedia.org/wiki/Asset_managementhttp://en.wikipedia.org/wiki/Automated_teller_machinehttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Bank_of_Barodahttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Non-life_insurancehttp://en.wikipedia.org/wiki/Venture_capitalhttp://en.wikipedia.org/wiki/Asset_managementhttp://en.wikipedia.org/wiki/Automated_teller_machinehttp://en.wikipedia.org/wiki/Big_Four_(banks)#Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Bank_of_Baroda


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Vehi-%e ia-e

+uto loans o!!er /GH waiver on processing !ee on car models which uses alternate

mode o! energy. The models identi!ied !or the purpose are, $aruti*s 9% version

o! $aruti BGG, 8mni and Mersa, &yundai*s )antro Jco, -ivic &ybrid o! &onda,

7eva electric cars, Tata Indica ->% and $ahindra 9ogan ->% versions.

*+,e-$i&es4 S-ope a# Li'i$a$ios of

$he Resear-h

anking is no longer a business restricted to borrowing and lending o! !unds.7ecent years have seen Indian commercial banks @ both in the public sector and

private sector diversi!y into new areas to widen their business hori0ons. +sbanks started o!!ering diversi!ied services ranging !rom insurance to mutual!unds, !rom stock5broking to housing !inance, !rom merchant banking to

port!olio management under one Numbrella5brandD, they graduallymetamorphosed !rom being business organisations having prime !ocus on moneytransactions to a business related to in!ormation on !inancial transactions. Thus,with this transition, banks gradually moved towards becoming N(niversal

banksD.

*+,e-$i&es of $he Resear-h6 The ob#ectives o! the research are the!ollowing @1. To position a bank in terms o! the progress made by it in the directiono! (niversal anking.2. To e"amine the risk e"posure o! banks.3. To critically e"amine the e"isting debate on (niversal banking in theconte"t o! the samples studied.

S-ope of $he Resear-h

The research has the !ollowing scope @1. The research would highlight the comparative position o! a samplecommercial bank with respect to I-I-I ank 5 the !irst Indian(niversal ank, which would help the concerned banks to knowwhere it stands with respect to (niversal ank.

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2. The research would enumerate the !inancial health and risk e"posureo! sample commercial banks in terms o! the -+$J9 $odel. This 3Bwould be help!ul to understand the relative strength and risk e"posureo! Indian commercial banks.3. The research would also point out the perception o! ank $anagerson (niversal banking concept and at the same time would also bringto light the perception o! customers o! banks regarding the awarenessand demand o! various services presently o!!ered by the banks.'. The research can be used as a base !or ost5doctoral research work.

Li'i$a$ios of $he Resear-h

In spite o! best o! e!!orts to minimise alllimitations that might creep in course o! the research, there were certain

constraints within which the research was completed. These arediscussed below @

1. The research was based on secondary as well as primary data. Theprimary data reuired !or research ob#ective >o. 3 was collected !romthe samples based in %uwahati city. +lthough %uwahati is one o! themost important cities o! the country and a commercial hub o! >orthJast India, samples selected !rom the city cannot be considered as a

proper representation o! the population o! the country.&owever, the ob#ective o! the survey was to check themood;perception o! the bank managers as well as customers o! the

bank with regard to the concept o! (niversal banking. Thus, this maynot create hindrance in achieving the desired ob#ective even i!%uwahati city cannot replicate other ma#or banking hubs o! thecountry.

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Type /ubli* *ompan.

Traded a*BSE5 )'$&;8SE5I6I6IBADSE5 IBBSE SESE 6onstituent

6 ift. 6onstituent

Indu*try Ban-ing3 Finan*ial ser2i*es

)ounded &>>8

"ead7uarter* Mumbai3 Maharashtra3 India

Area *er2ed


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%RO)IL& O) T"& CO'%AN$

Sa&i!s A--ou$

A -o&eie$4 safe a# re5ar#i! e6perie-e

Oour money is always within your easy reach, even as it earns interest with I-I-Iank )avings +ccount. +ccess your money when you need it and where you needit with our e"tensive branch and +T$ network and through personali0ed 2'"A

phone banking. hat*s more, you get rewards !or all your banking transactions

with I-I-I ank )avings +ccount.

Cre#i$ a# De+i$ Car#s

The +emstone 6olle*tion

8wn a card inspired by the uniue ualities o! a rare gemstone and powered by ourmost e"clusive li!estyle privileges.

Fuel

Jarn cash back and rewards on !uel purchases, along with entertainment and diningbene!its.

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Airline

-onvert your everyday card purchases into !ree !lights and upgrades.

!elhi Metro 6ard

+ elhi $etro )mart -ard and a -redit -ard combined in one.

More 6ards

A sele*tion of *on2enient3 fle9ible and se*ure *redit *ards,

2/
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26/47


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%ROBL&' O) T"& CO'%AN$

fia-ia% a# +usiess ser&i-e

Cus$o'ers of ICICI Ba0 ha# a $r7i! $i'e as $he +a08s a$io5i#e e$5or0

#e&e%ope# $e-hi-a% !%i$-h o Sa$ur#a7 'ori!.

Though the bank*s branches !unctioned normally in the morning, the branches wento!!line due to the network problems around 1G a.m. )ome o! the bank*s +T$centres, which were working till noon, went o!!line a!ter 1 p.m. in &yderabad,leaving many customers stranded on the !irst day o! the month.

The operations were restored by 3.3G p.m, a senior o!!icial o! the bank in!ormedThe Hindu. There was some technical problem with N=inacleD, the plat!orm on

which the I-I-I ank online operations are carried out.

=irst day o! month is also a bill clearance time !or most o! us. ut this networkoutage le!t us in a di!!icult position,P -. )uresh, an employee said.

2A
http://www.thehindu.com/tag/financial-and-business-service/810/http://www.thehindu.com/tag/financial-and-business-service/810/


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anking is primarily based on trust, irritants like this only create problems, heobserved adding that he will have to pay interest rates on his credit card bill as)aturday was the last day to pay that bill.

)cores o! customers like $r. )uresh streamed into the branches across the city onlyto return with disappointment. The bank sta!!, on the other hand, had a tough timeplacating the irate customers.

e can understand the di!!iculty customers are !acing but cannot help it as thenetwork !ailure is a pan5India a!!air. e were !orced to send our customers back,Pa visibly troubled branch manager said. I-I-I bank sta!! were also clueless as to i!the online services were !unctioning normally. *8ur team is working to resolve the

problem and network will be restored soon* was their stock reply.

usiness people are the worst5hit as a result o! the network outage $anish Kumar,a businessman said.

$ost o! us operate recurring deposit accounts through which we constantlydeposit and withdraw money. The outage will a!!ect our business today,P he said.

CO'%&TITION O) T"& CO'%AN$

Name La*t %rie 'ar8et Cap.9R*. r.

Net Intere*tInome

Net %ro+it To

C!F6 Ban- >8),&% $$=3$'=,=) 8&3&'),)8 =38;=,8%

ICICI Ban8 /;.?@ />5$,;= >3>=&,') &3:&;,;=

I+ 1.s.a Ban- ;=;,%% &83>;),>> )3$%),$$ :);,=)

Federal Ban- &8:,$% &$3)&$,%> :3>8:,%= ='=,=>

Darur 1.s.a )$',)% :3'$:,=& )3&&),>: 8$>,:%

JD Ban- &$=,8) :3$$:,>; :3;:;,%% &3&=$,8;

6it. Union Ban- >&,;) )38:;,)= $3)8),>' '8;,%;

South Ind B- $;,8% '3:>>,8% )3%&),%; )%;,)%

!6B Ban- &%$,&% $3=;',$) &3&$=,$: &)&,':

2B
http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/hdfcbank/HDF01http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/icicibank/ICI02http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/axisbank/AB16http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/kotakmahindrabank/KMBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/indusindbank/IIBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/yesbank/YBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/ingvysyabank/INGhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/federalbank/FBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/karurvysyabank/KVBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/jammukashmirbank/JKBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/cityunionbank/CUBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/southindianbank/SIBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/dcbbank/DCB01http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/hdfcbank/HDF01http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/icicibank/ICI02http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/axisbank/AB16http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/kotakmahindrabank/KMBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/indusindbank/IIBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/yesbank/YBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/ingvysyabank/INGhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/federalbank/FBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/karurvysyabank/KVBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/jammukashmirbank/JKBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/cityunionbank/CUBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/southindianbank/SIBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/dcbbank/DCB01


29/47

Darnata-a Ban- &'>,:% $3:'%,=> 83&==,=' '&&,%'

Ka-shmi 1ilas =&,=) &38:',>= &3>=',>) )>,::

Stan6hart I!R =;,%% &3%88,%% ( ( &

!hanla9mi Ban- 8',') ;:>,$& &3$>&,>) ($)&,>&

+oldman BEES $388>,>) $)&,'; ( (

Ba1ane S,eet in R*. Cr.

ICICI Ban8 "D)C Ban8 Ai* Ban8 Kota8 'a,indra Indu*Ind B

Mar L&8 Mar L&8 Mar L&8 Mar L&8 Ma

Capita1 and Liabi1itie*:

Total Share 6apital &3&)),%8 %,%% %,%% %,%%

Equit. Share 6apital &3&)),%8 %,%% %,%% %,%%

Share Appli*ation Mone. :,); %,%% %,%% %,%%

/referen*e Share 6apital %,%% %,%% %,%% %,%%

Reser2es ;$3%)&,;& %,%% %,%% %,%%

Re2aluation Reser2es %,%% %,%% %,%% %,%%

Net -ort,


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A**umulated !epre*iation %,%% %,%% %,%% %,%%

Net B1o8 0; %,%% %,%% %,%%

Tota1 A**et* @>0;0/.= =.== =.== =.==

6ontingent Kiabilities ;>83>:),') %,%% %,%% %,%%

Bills for *olle*tion %,%% %,%% %,%% %,%%

Boo- 1alue "Rs# :'',>$ %,%% %,%% %,%%

C,arge*

NEFT/RTGS/IMPS Charges, Timings, Limits

TransactionTimings

>J=T 7T%)

$onday to =ridayB6GG +$

to 463G $C61/ +$

to '61/ $

)aturdaysB6GG +$

to 1263G $C61/ +$

to 16'/ $

Transaction 9imits >J=T 7T%)

$inimum 7e 1 7s 2 lakh

$a"imum 7s 1G lakh 7s 1G lakh

Transaction -harges >J=T 7T%)

+mounts upto 7s 1G,GGG 7s 2./G Q )ervice Ta" >ot +pplicable

+mounts above 7s 1G,GGG and upto 7s 1 lakh 7s / Q )ervice Ta" >ot +pplicable

+mounts above 7s 1 lakh and upto 7s 2 lakh 7s 1/ Q )ervice Ta" >ot +pplicable

+mounts above 7s 2 lakh and upto 7s / lakh 7s 2/ Q )ervice Ta" 7s 2/ Q )ervice Ta"

3G


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Transaction -harges >J=T 7T%)

:Incl. 7s 2 lakh !or 7T%)ew elhi6 + day a!ter armed robbers escaped with the cash van o! I-I-I bank in

)outh elhi, elhi olice on )aturday arrested one person and detained !our other

suspects.

7eports suggest that 7s 1./ crore have been recovered. The cash van is believed to

be carrying 7s /.2/ crore.

The incident took place in e!ence -olony area at around 16'/ pm on =riday when

the van was carrying cash to an +T$ o! I-I-I ank, police said.

$eanwhile, a guard, who was in#ured while trying to stop the robbers !rom

escaping with the cash van succumbed to his in#uries today.

9is$or7 A# De&e%po'e$

I-I-I ank was originally promoted in 1CC' by I-I-I 9imited, an Indian !inancialinstitution, and was its wholly5owned subsidiary. I-I-I*s shareholding in I-I-Iank was reduced to '4H through a public o!!ering o! shares in India in !iscal

32


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1CCB, an euity o!!ering in the !orm o! +7s listed on the >O)J in !iscal 2GGG,I-I-I ank*s acuisition o! ank o! $adura 9imited in an all5stock amalgamationin !iscal 2GG1, and secondary market sales by I-I-I to institutional investors in!iscal 2GG1 and !iscal 2GG2. I-I-I was !ormed in 1C// at the initiative o! the orldank, the %overnment o! India and representatives o! Indian industry. The

principal ob#ective was to create a development !inancial institution !or providingmedium5term and long5term pro#ect !inancing to Indian businesses.In the 1CCGs, I-I-I trans!ormed its business !rom a development !inancialinstitution o!!ering only pro#ect !inance to a diversi!ied !inancial services groupo!!ering a wide variety o! products and services, both directly and through anumber o! subsidiaries and a!!iliates like I-I-I ank. In 1CCC, I-I-I become the!irst Indian company and the !irst bank or !inancial institution !rom non5?apan +siato be listed on the >O)J.

+!ter consideration o! various corporate structuring alternatives in the conte"t o!the emerging competitive scenario in the Indian banking industry, and the movetowards universal banking, the managements o! I-I-I and I-I-I ank !ormed theview that the merger o! I-I-I with I-I-I ank would be the optimal strategicalternative !or both entities, and would create the optimal legal structure !or theI-I-I group*s universal banking strategy. The merger would enhance value !orI-I-I shareholders through the merged entity*s access to low5cost deposits, greateropportunities !or earning !ee5based income and the ability to participate in the

payments system and provide transaction5banking services. The merger wouldenhance value !or I-I-I ank shareholders through a large capital base and scaleo! operations, seamless access to I-I-I*s strong corporate relationships built upover !ive decades, entry into new business segments, higher market share invarious business segments, particularly !ee5based services, and access to the vasttalent pool o! I-I-I and its subsidiaries.In 8ctober 2GG1, the oards o! irectors o! I-I-I and I-I-I ank approved themerger o! I-I-I and two o! its wholly5owned retail !inance subsidiaries, I-I-Iersonal =inancial )ervices 9imited and I-I-I -apital )ervices 9imited, with

I-I-I ank. The merger was approved by shareholders o! I-I-I and I-I-I ankin ?anuary 2GG2, by the &igh -ourt o! %u#arat at +hmedabad in $arch 2GG2, and

by the &igh -ourt o! ?udicature at $umbai and the 7eserve ank o! India in +pril2GG2. -onseuent to the merger, the I-I-I group*s !inancing and bankingoperations, both wholesale and retail, have been integrated in a single entity.

33


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C"A%T&R4 0

DATA ANALA$SIS

!RA%"S:

3'


35/47

3/


36/47


37/47

3A


38/47

%RI'AR$ DATA ANAL$SIS

"o to Co11et %rimary Data +or Re*ear, in Bu*ine**

=ew businesses can succeed without a competitive advantage, and having better

in!ormation is one o! the most e!!ective ways to get ahead o! the rest. There is a

wealth o! !reely available in!ormation, and many sources can sell data on

manu!actured products or consumer pre!erences, but there*s no substitute !or going

straight to the source. y asking suppliers, buying !rom the competition, surveying

customers and issuing coupons, a small business owner can accumulate vast

amounts o! uniue and usable data.

&ow to evelop a 7esearch udget

$anagement Tools (sed in ata -ollection

In*trution*

The first step to gathering information about .our business is to determine

what -ind of information .ou need, All businesses ha2e *ustomers3 and

most ha2e *ompetition3 so getting information on both is essential, Man.

businesses also ma-e use of suppliers3 and some rel. on a labor mar-et3but a large number of small3 ser2i*e(oriented businesses ha2e essentiall.

no supplies other than their emplo.ees3 and man. ha2e onl. a single

emplo.er, To de*ide where to start gathering information3 loo- for pain

points5 if .ouLre alwa.s a step behind other people in .our business3 start

3B
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39/47

by researching your competitorsE i! you have all the business you can handle, but

can*t get enough raw materials in the door to keep up with your orders, !ocus on

suppliers.

)tart doing business with your competitors, to !ind out what they do di!!erently.

This is a common techniue in the retail and restaurant businesses6 business

owners want to know how their customer service and visitor e"perience compares,

and the best way to do that is to be a customer. It*s also a use!ul way to re!rame

thinking about your own business6

OouDll have easier time thinking like a customer i! you*ve been one. Key things to

watch out !or6 what are they doing di!!erently that you could be doing di!!erentlyR

+re they providing more or less value !or the moneyR Is there anything unusual

they do that converts people into customers, or convinces customers to spend more

J"periment with suppliers. I! your business relies on an outside party !or raw

materials, it*s a good idea to look at how other providers operate. This will give

you some perspective on whether or not you*re getting a good deal or good service,

and it*s also a way to !ind out i! your competitors are doing anything new. =or

every ma#or product you buy, call up at least one competitor to your current

supplier, tell them what kind o! deal you*re getting now, and ask what they could

do !or you.

%ive selective discounts to !ind out what your customers could really pay. This

trick is popular at grocery stores and airlines. +irlines know that an empty seat

costs about as much as a !ull seat, but that a !light might be worth S1,GGG to one

customer and #ust S/G to another. They*d rather have both customers, but they don*t

want to charge the same S/G rate. The answer !or them is discounts on purchases

made in advance and steep markups !or purchases made when seats are in short

3C


40/47

supply. They also o!!er much cheaper seats at the last minute, but only to

customers willing to risk not getting a !light at all.

In other businesses, discounts might include a !irst5time customer discount, or a

long5time customer discountE you might !ind that you get twice as much business i!

youcharge 2G percent less, !or e"ample, or that you only lose 1G percent o! your

customers when you charge /G percent more.

)urveying customers is also a method !or !inding out what they think you could do

di!!erently. $any retail establishments give customers survey cardsE in some

service businesses.

S&CONDAR$ DATA ANAL$SIS

Se-o#ar7 Mar0e$ Resear-h

$arket )i0ing -onsumer Insight

)urvey 7eports

In!ormation 7esearch atabase $aintenance

Team o! )tatisticians, hs usiness

+nalysts

J"pertise in )econdary 8nline 7esearch

-ompanies have always relied on research when it comes to making important

business decisions. The entire research e!!ort revolves around two basic needs 5 the

need to take good decisions that bring positive results and the dire need to avert

risk. $eet these critical needs and create a !avorable environment !or increased

'G


41/47

pro!itability with market research. 8utsource2india provides you both primary and

secondary market research !or your speci!ic needs.

)econdary market research makes deductions based on readily available

in!ormation and researched data. This brings in a convenience that you need not

spend time on data collection and processing. rimary market research is a !ull5

!ledged research wherein the entire research process is !reshly conducted in an

elaborate manner !or primary research.

epending on the ob#ective o! your research, you can choose between primary and

secondary research. Oou can also choose to adopt both primary and secondary

research based on your uniue reuirements. In such cases, secondary market

research precedes primary research and gives ample in!ormation on which the

primary research is designed and deployed.

*u$sour-e:i#ia;s approa-h $o pri'ar7 < se-o#ar7 'ar0e$ resear-h

8ur scienti!ic approach to primary and secondary marketing research, skilled and

e"perienced research team as well as our state5o!5the5art research methodologies

make us a pre!erred marketing research service provider. 8utsoucrce2india can

e!!iciently provide critical business intelligence and meet the reuirements o! your

marketing and business development departments.

hether it is 2 or 2-, ualitative or uantitative, or primary or secondary,

8utsource2india per!orms the research !unctions with diligence by !ollowing

scienti!ic

$ethods and tested market research methodologies. ith a clear understanding o!

the research ob#ective we can conduct the di!!erent phases o! research including6

)urvey design

'1


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Target audience pro!iling and choosing target respondents

ata collection

ata processing

ata analysis

7eport generation and presentation

J"pert insights

hile secondary data can be collected !rom the web and o!!line resources, data !or

primary market research is obtained through6

Telephonic interviews

)nail mail surveys

Jmail surveys

eb research

8!!line research

R&CO''&NDATIONS E CONCL(SION

It is anytime recommended to go !or o!!set loan account over !loating or !i"ed

loans @ i! you generally have a habit o! savings every month; !reuently. I! you

donDt have !reuent savings, then I would recommend going !or a !loating rate

schemes that o!!er transparency @ increase decrease in interest rates is eually

likely. =or me @ an o!!set loan is a clear winnerUUUU

'2


43/47

8!ten those who go !or a home loan are !aced with a dilemma about the type o!

home loan to go !or. There are 2 most popular types @ !loating !i"ed rate loans.

There are some other types that are not so popular. The not5so5popularP ones

probably hold answers to our dilemma as a home loan customer. This article

di!!erentiates various types o! home loans makes a recommendation.

+ home loan costing V 12H p.a. !or 1/ years would result into payment o! 2.14

times the principal, over the entire tenure :including repayment towards interest

principal


44/47

Fue*?. O**upation5

:a< /rofessional

:b< Self(Emplo.ed

:c< Salaried

:d< Others

Fue*0.


45/47

b, Two to Three ears Before

*, More than Three ears Before

@>, Reason for ta-ing Come Koan from I6I6I Ban-

a, Faster /ro*essing

b, Interest Rates

*, Brand image of the Ban-

d, Margin Amount

e, Others

@&%, Cow do .ou rate the Interest rates *harged b. I6I6I Ban-

a, Cighl. Satisfa*tor.

b, Satisfa*tor.*, A2eragel. Satisfa*tor.

d, !issatisfa*tor.

e, Cighl. !issatisfa*tor.

@&&, Cow do .ou rate the EMI of I6I6I Ban-


b, Satisfa*tor.

*, A2eragel. Satisfa*tor.

d, !issatisfa*tor.


@&$, Cow do .ou rate the !o*umentation /ro*edure of I6I6I Ban-


b, Satisfa*tor.


d, !issatisfa*tor.


@&', Cow do .ou rate the /ro*essing Fees of I6I6I Ban-


b, Satisfa*tor.


'/


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d, !issatisfa*tor.


@&8, Cow do .ou rate the San*tioning /ro*edure of I6I6I Ban-


b, Satisfa*tor.


d, !issatisfa*tor.


@&), Cow do .ou rate the San*tioning Time of I6I6I Ban-


b, Satisfa*tor.*, A2eragel. Satisfa*tor.

d, !issatisfa*tor.


@&:, Cow do .ou rate the Fore 6losure 6harges of I6I6I Ban-


b, Satisfa*tor.


d, !issatisfa*tor.


@&;, Are .ou satisfied with I6I6I Ban- Come Koans

a, es

b, o

'4


47/47

BIBLIO!RA%"$

Arti1e*:

&, Simon +er2ais "Fuqua S*hool of Business# o2ember $83 $%&$ Koans and other

finan*ial de*isions,$, Kawren*e J, +itman and John R, Forrester Jr, "professor of Finan*e in the

uni2ersit. of Tulsa# Arti*le on Sur2e. of Koans,

', Cindustan Times ewspaper and 0ournals,

-eb*ite*:

/. www,I*i*iban-,*om

5. helpdes-Pi*i*iban-,*om

?. www,+oogle*o,in

0. www,w-ipeidea,*om
http://www.icicibank.com/mailto:[email protected]://www.googleco.in/http://www.wkipeidea.com/http://www.icicibank.com/mailto:[email protected]://www.googleco.in/http://www.wkipeidea.com/

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