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ICICI BANK LIMITED
(D-16,SOUTH EXTENSION-II NEW DELHI 110024)
PROJECT TRAINING REPORT
SUBMITTED
IN PARTIAL FULFILMENT FOR THE AWARD OF THE DEGREE OF
BACHELOR OF BUSINESS ADMINISTRATION
2010-2011
SUBMITTED TO: SUBMITTED BY:
Mr.ABHISHEK DIXIT
SUBMITTED
MANAGEMENT DEPARTMENT
JAIN COLLEGE, GWALIOR (AFFILIATED TO JIWAJI UNIVERSITY, GWALIOR)
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STUDENT DECLARATION
I ..hereby declare that this project training report entitled,
MARKETING STRATEGY OF I CICI BANK is carried out by me at JAIN
COLLEGEunder the guidance of MISS. ANSHUL SHRIVASTAVfor partial
fulfillment for the award of the degree of, BACHELOR OF BUSINESS
ADMINISTRATION at department of Management Jain College, Gwalior
(M.P.)
DATE: (NAME & SIGNATURE OF STUDENT)
..
PLACE: Gwalior.
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GUIDE CERTIFICATE
It is certified that the project training report entitled, MARKETING
STRATEGY OF ICICI BANK is submitted by Mr.partial
fulfillment for the award of the degree of bachelor of business administration
at Department of management, Jain College, Gwalior (M.P.). It is a record of
candidates own work carried out at icici bank.
(Guide Name)
ANSHUL SHRIVASTAV
(Designation & department)
H.O.D OF MANAGEMENT DEPARTMENT
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ACKNOWLEDGEMENT
The completion of project training report MARKETING STRATEGY
OF ICICI BANKentitledgives me an opportunity to convey my
gratitudes to all those who have helped me to complete this research
work successfully and well within time.
I would like to express my deep sense of gratitude to
me an opportunity to do my project work at .I am sincerely thankful to
my guide for his ideas and suggestions during my project work which
inspired me to put in best my efforts in the research work.
I would be failing in my duties if I do not express my overwhelming
sense of gratitude to Mr. Manoj Jain, Chairman, and Mr.Sanjay Jain &
Miss. Mayuri chaudhry, Director, Jain College, and Gwalior (M.P.)
I owe utmost thanks, Miss. Anshul Shrivastav Jain College, Gwalior
(M.P.) for their valuable suggestions and discussions made throughout
my research work.
In the last I would like to thanks all individuals known or unknown who
have helped me directly or indirectly during the research fellowship
period.
I must say that all of these great people have done their social job,
which I will also like to oblige in form of similar or even better support
throughout my
(Name & signature of student)
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PREFACE
True learning is born out of experience and observations; practical
experience is one the best types of learning that one can remember
throughout the life. After four semesters in learning theoretical, aspects
of administration & management the day comes to apply these in
corporate world in content of modern industrial enterprise that has go
through its different phases to achieve that corporate goals. The mainobject of practical training is to develop practical in specific area like
MARKETING STRATEGY OF ICICI BANK .It increases the skill,
ability & attitude of a student to perform specific job in many areas .
Fortunately, I got golden opportunity to visit and complete my 45 days
training at icici bank. Here, I got chance to see thee functioning of icici
bank .
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INDEX
INTRPODUCTION 01
COMPANY PROFILE 02-04
RESEARCH OBJECTIVE 05
TOPIC DISCRIPTION 06-18
DATA ANALYSIS 19-25
FINDINGS 26
SUGGESTIONS 27
CONCLUSION 28
BIBLIOGRAPHY 29
PARTICULARS PAGE NO
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Introduction
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As one of the largest financial institutions in India, ICICI's overall mission has been to build the
capacities of commercial entities and, thereby, enable them to become agents of economic
change. We believe that building the capacities of the poorest of the poor to participate in the
economy and society is a natural extension of this role. With this in mind, ICICI has been
contributing to the social sector for nearly 30 years, mainly by financing and advising
organizations working in the development sector.
ICICI has a permanent and full-time group, the Social Initiatives Group (SIG), to concentrate
on its development-related initiatives. Through the SIG, ICICI seeks to define and effectively
fulfill its responsibilities as a corporate citizen. The group believes that education and health are
basic prerequisites for all people, especially the chronically deprived, to participate in the larger
economy. Universal access to basic financial services, and effective use of appropriate
technologies will create greater opportunities for people to participate in the economy in an
equitable and productive manner. With this in mind, the group has focused its attention on
identifying and supporting initiatives in:
Pre-primary and primary education
Health, especially reduction of infant mortality rates
Micro-finance
Application of information technology and other technologies to facilitate work in the
above faster, and reach a wider audience.
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Company profile
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Objective Of Study
The main objectives of this project are the following:
To study about ICICI BANK and its related aspects like its
products & services, history, organizational structure,
subsidiary companies etc.
To analyse the financial statement i.e P&L account and
Balance sheet of ICICI BANK.
To learn about P&L Account, Balance-sheet and
different type of Assets& Liabilities.
To understanding the meaning and need of Balance Sheet
and profit and loss account.
The purpose is to portray the financial position of ICICI
BANK with the help of Balance sheet and profit and loss
account.
To evaluate the financial soundness ,stability and liquidity
of ICICI BANK.
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VISION AND MISSION
Vision
To be the leading provider of financial services in India and a
major global bank.
Mission
We will leverage our people, technology, speed and financial capital to:
Be the banker of first choice for our customers by delivering
high quality, world-class products and services.
Expand the frontiers of our business globally.
Play a proactive role in the full realisation of Indias potential.
Maintain a healthy financial profile and diversify our earnings
across businesses and geographies.
Maintain high standards of governance and ethics.
Contribute positively to the various countries and markets in
which we operate.
Create value for our stakeholders.
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Organizationalstructure
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ICICI Banks organisation structure is designed to be flexible and customer- focused, while
seeking to ensure effective control and supervision and consistency in standards across the
organisation and align all areas of operations to overall organisational objectives. The
organisation structure is divided into six principal groupsRetail Banking, Wholesale Banking,
International Banking, Rural (Micro-Banking) and Agriculture Banking, Government Banking
and Corporate Center.
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Researchobjective
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.The main objective of my project is to find the best bank in private sector
what are the tools of promotion used by them for the promotion of the company.
.To see their organizational structure and their co- ordination. .
Their financial position and their ranking in the country
. plans and policies towards the attainment of their objective.
.Where should I open the account
.From where I must take the loan
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Topic description
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HISTORY
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution,
and was its wholly owned subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46%
through a public offering of shares in India in fiscal 1998, an equity offering in the form of
ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura Limited in
an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional
investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World
Bank, the Government of India and representatives of Indian industry. The principal objective
was to create a development financial institution for providing medium-term and long-termproject financing to Indian businesses. In the 1990s, ICICI transformed its business from a
development financial institution offering only project finance to a diversified financial services
group offering a wide variety of products and services, both directly and through a number of
subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and
the first bank or financial institution from non-Japan Asia to be listed on the NYSE.
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After consideration of various corporate structuring alternatives in the context of the emerging
competitive scenario in the Indian banking industry, and the move towards universal banking,
the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI
Bank would be the optimal strategic alternative for both entities, and would create the optimal
legal structure for the ICICI group's universal banking strategy. The merger would enhance value
for ICICI shareholders through the merged entity's access to low- cost deposits, greater
opportunities for earning fee-based income and the ability to participate in the payments system
and provide transaction-banking services. The merger would enhance value for ICICI Bank
shareholders through a large capital base and scale of operations, seamless access to ICICI's
strong corporate relationships built up over five decades, entry into new business segments,
higher market share in various business segments, particularly fee-based services, and access to
the vast talent pool of ICICI and its subsidiaries.
October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI
and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services
Limited and ICICI Capital Services Limited, with ICICI Bank. The merger was approved by
shareholders of ICICI and ICICI Bank in January 2002, by the High Citst of Gujarat at
Ahmedabad in March 2002, and by the High Citst of Judicature at Mumbai and the Reserve
Bank of India in April 2002. Consequent to the merger, the ICICI group's financing and banking
operations, both wholesale and retail, have been integrated in a single entity. ICICI Bank has
formulated a Code of Business Conduct and Ethics for its directors and employees.
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Award received
2010 2009 2008 2007 2006 2005 2004
2003 2002 2001 2000 1999 1998Erstwhile
ICICI Ltd
ICICI Bank
Ms. Chanda Kochhar, Managing Director & CEO was ranked 11th by Financial Times in
The Top 50 Women In World Business
Ms.Chanda Kochhar, Managing Director & CEO was ranked 10th in the International
Fortune list of 50 most powerful women in business
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ICICI Bank was voted as the Most Trusted Brand among private sector banks in the 2010
Economic Times - Brand Equity Most Trusted Brands Awards and ranked 7th in the list of
Top 50 service brands
ICICI Bank received the 2010 World Finance UK award for:
Excellence in Remittance Business, Worldwide
Excellence in NRI Services, Worldwide
Excellence in Private Banking Business, APAC Region
ICICI Bank UK, HiSAVE has been awarded 'Best Online Savings Account Provider 2010 '
by Your Money ,direct consumer awards,UK
ICICI Bank UK, HiSAVE has been commended for 'Best Internet Account Provider 2010'
and 'Best Fixed Rate Account Provider 2010' by Moneyfacts, an independent consumer
finance leading aggregator
Ms.Chanda Kochhar, MD & CEO was awarded the Financial Express Best Banker Award
For the sixth time in a row, ICICI Bank has received the Most Preferred Auto Loan Brand
in the Financials Services category at the CNBC Consumer Awards
ICICI Bank has won Gold in the Readers Digest Trusted Brands 2010 Consumer award in
the Finance category
ICICI Bank amongst the top 3 to receive the FE- EVI Green Business Leaders Award, in
the banking industry
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ICICI Bank wins the Asian Banker Award for Best Banking Security System
ICICI Bank is the first and the only Indian brand to be ranked as the 45th most valuable
global brand by BrandZ Top 100 Global Brands Report.
ICICI Bank has been ranked 1st in the term money category, from a list of 38 leading
Banks by the German magazine, Euro. Since commencement of business two years ago in
the German market, this is the 5th certification/award including 2 certifications from
Stiftung warrenttest (for Savings and Term Deposits) and three "Best Bank" rankings by
Euro magazine.
Forbes' 2000 most powerful listed companies' survey ranked ICICI Bank 4th among the
Indian companies and 282nd globally.
ICICI Bank was awarded The Asian Banker Achievement Award 2009 for Cash
Management in India.
The Economic Times-Corporate Dossier Annual Survey of India Inc's Most Powerful
CEOs featured Ms Chanda Kochhar, MD and CEO, as the most powerful women CEO in
India. She was ranked 13th in the overall power list.
ICICI Group Global Private Clients (GPC) has won the coveted 'Euromoney Private
Banking Award 2010' for Best Bank in the Super-Affluent Category (USD 500,000 to USD
1 million) - India. The other categories in which GPC picked up awards were:
o Fixed Income Portfolio Management
o Lending/Financing Solutions
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o Precious Metals Investment
o Private Equity Investment
o Specialized Services - Entrepreneurs
o FX/Rates Derivatives Supplier
ICICI Bank wins the Asian Banker Award for Excellence in SME Banking 2009
ICICI Bank won the second prize in the Six Sigma Excellence Awards, conducted by
Indian Statistical institute, Bangalore for "Improving Sales for TV Banking business"
Mr.N. Vaghul, Former Chairman, ICICI Bank was awarded the "Padma Bhushan"
Group of companies
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ICICI PRUDENTIAL INSURANCE COMPANY
ICICI Life continued to maintain its market leadership among private sector life insurance
companies with a market share of 12.71% on the basis of weighted received premium. Life
insurance companies worldwide make losses in the initial years, in view of business set-up and
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customer acquisition costs in the initial years as well as reserving for actuarial liability. While the
growing operations of ICICI Life had a negative impact of Rs. 10.31 billion on the Banks
consolidated profit after tax in FY2008 on account of the above reasons, the companys
unaudited New Business Achieved Profit (NBAP) for FY2008 was Rs. 12.54 billion as
compared to Rs. 8.81 billion in fiscal 2007.
ICICI LOMBARD GENERAL INSURANCE COMPANY
ICICI Lombard General Insurance Company (ICICI General) enhanced its leadership position
with a market share of about 29.8% among private sector general insurance companies and an
overall market share of about 11.9% during fiscal 2008. ICICI Generals gross written premium
grew by 11.4% from Rs. 30.03 billion in fiscal 2007 to Rs. 33.45 billion in fiscal 2008. ICICI
General is required to expense upfront, on origination of a policy, all sitscing expenses related to
the policy. While ICICI Generals profit after tax for Rs. 1.03 billion in fiscal 2008,a growth of
50.5% over fiscal 2007.The combined ratio is the sum of net claims and expenses as a percentage
of premiums and indicates the surplus generated on an annualised basis from the business written
during a period (excluding investment income).
ICICI PRUDENTIAL AMC & TRUST
ICICI Prudential Asset Management Company (ICICI AMC) was the second largest asset
management company in India with average assets under management of Rs. 543.55 billion for
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March 2008. ICICI AMC achieved a profit after tax of Rs. 0.82 billion in fiscal 2008, a growth
of 69.7% over fiscal 2007.
ICICI SECURITIES LIMITED
The securities and primary dealership business of the ICICI group have been reorganised. ICICI
Securities Limited has been renamed as ICICI Securities Primary Dealership Limited. ICICI
Brokerage Services Limited has been renamed as ICICI Securities Limited and has become a
direct subsidiary of ICICI Bank. ICICI Securities achieved a profit after tax of Rs. 1.50 billion
and ICICI Securities Primary Dealership achieved a profit after tax of Rs. 1.40 billion, in fiscal
2008.
ICICI VENTURE FUNDS MANAGEMENT COMPANY LIMITED
ICICI Venture Funds Management Company Limited (ICICI Venture) strengthened its
leadership position in privateequity in India, with funds under management of about Rs. 95.50
billion at year-end fiscal 2008. ICICI Venture achieved a profit after tax of Rs. 0.90 billion in
fiscal 2008 compared to Rs. 0.70 billion in fiscal 2007.
Key financial indicators
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Board of Directors
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Mr. K. V. Kamath, Chairman
Mr. Sridar Iyengar
Mr. Homi R. Khusrokhan
Dr. Anup K. Pujari
Mr. M.S. Ramachandran
Dr. Tushaar Shah
Mr. M.K. Sharma
Mr. V. Sridar
Mr. V. Prem Watsa
Ms. Chanda D. Kochhar,
Managing Director & CEO
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Mr. N. S. Kannan,
Executive Director & CFO
Mr. K. Ramkumar,
Executive Director
Mr. Rajiv Sabharwal,
Executive Director
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Approach
Rather than build departments within a large, monolithic foundation, we have chosen to
collaborate with and foster independent, responsive organisations, each with deep expertise in
one of the five areas that we believe provide essential elements for inclusive growth:primary
health,elementary education,comprehensive access to financial services,strong civil societyand
environmental sustainability.
The Foundation provides active support and mentorship to each of these strategic partners a
strategy we believe will build knowledge and specialisation in each field and ensure long-term
impact
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Provide supports
ICICI Child Healthin Pune, support children in the poorest communities across India to develop
to their full potential in the critical first three years of life.
ICICI Elementary Education in Pune, support children in government-run preschools and
elementary schools across India to become engaged citizens.
IFMR Finance Foundationin Chennai, seek to ensure that every individual and every enterprise
in India has complete access to financial services.
CSO Partners in Chennai, support civil society organisations (CSOs) across India to be more
effective by enabling them to tap into new resources and networks
Environmentally Sustainable Finance Groupat the Centre for Development Finance in Chennai,
we support scalable private and community interventions as well as policies to make India's
economy more environmentally sustainable from the bottom up
Amalgamation
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Amalgamation of ICICI Bank Ltd. with
Bank of Rajasthan Ltd.
ICICI Bank Ltd. Has made an amalgamation with Bank of Rajasthan Ltd on August 13, 2010.
And promises to provide the best service aii the time.
Policies
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1. Bank's Deposit Policy
2. Policy of Collection of Cheques/ Instruments
3. Compensation Policy
4. Policy on Collection of dues & Repossession of Securities
5. Policy for Grievance redressal.
6. Policy on Safe Deposit Lockers
7. Policy for settlement in deceased lockers
8. Bank's Code of Commitment to Customers
http://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/DEPOSIT-POLICTY-2005.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/DEPOSIT-POLICTY-2005.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Collection.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Collection.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Compensation-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Compensation-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/collectionpolicy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/collectionpolicy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Grievance.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Grievance.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Locker-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Locker-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/matter-for-locker.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/matter-for-locker.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/BCBSI-Booklet-July-2006.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/BCBSI-Booklet-July-2006.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/BCBSI-Booklet-July-2006.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/matter-for-locker.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Locker-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Grievance.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/collectionpolicy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Compensation-Policy.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/Collection.pdfhttp://www.bankofrajasthan.com/bor/wcms/en/home/bank_policies/DEPOSIT-POLICTY-2005.pdf8/12/2019 Icici Bank Marketaing Bba
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FOCUS AREA
CHILD HEALTH
Areas of workchild survival and development is one of the most urgent and significant
challenges to Indias long-term growth, requiring immediate attention.
High levels of preventable child deaths and infant and child under nutrition persist in many parts
of India, rooted in and mirroring the poor health and nutritional status of Indian girls and women.
The nations indicators of child survival and development are some of the poorest in the world.
Such sub-optimal child development has implications for childrens ability to survive, resist
infections and learn, often with an irreversibly negative impact on adult productivity and health.
Existing health and nutrition programmes in India suffer from gaps in quality and usually do not
reach poor and high-risk populations. The public health system and the Integrated Child
Development Services (ICDS)collectively mandated to provide key promotive, preventive and
primary care to poor communitiesface multiple constraints in planning, finance, human
resource capacity and community participation.
Elementary Education
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As a result of substantial efforts on the part of the Indian government, more than 200 million
children from 6 to 14 years old are now enrolled in schools, with more than 70 percent of these
estimated to be in government schools. Significant improvements have been made to school
equipment and infrastructure, the number of teachers hired and trained, and the number of
schools in rural areas. Yet the number of children who are not in school remains high and more
than 50 percent leave elementary school before completion.
In addition, despite significant expenditure by the government on schooling, the achievement
levels of children in both government and non-government schools are extremely low. We
believe that in order to prepare our young people for participation in a modernising India, we
must ensure that they receive the quality of education they deserve.
FINANCE Foundation
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Assesto finance helps individuals and enterprises to smooth consumption and allocate resources
most productively, for example, by allowing them to better manage risk (e.g. insurance) and take
advantage of opportunities at different points in time (e.g. saving today to build capital for
tomorrow, or taking a loan for an opportunity today). A well-functioning financial system and
access to financial services can also enable households to engage with the larger economy by
providing payment and settlement systems (e.g. electronic payment systems) and by transmitting
price information through the economy. Access to comprehensive financial services is therefore
an essential part of the development process and of inclusive growth.
Despite many steps made in the direction of financial access for more Indians over the last five
decades (e.g. the nationalisation of the commercial banking system, the introduction of Local
Area Banks, Regional Rural Banks and Cooperative Banks) and evidence that financial access
can lead to a sharp reduction in poverty, the majority of the Indian population remains without
even minimal access to financial services.
In our view, lack of access to financial services represents the most serious impediment to the
ability of rural households to attain their full income potential and to smooth their lifetime
consumption. Lack of financial access for low-income households sharply reduces their ability to
invest in skill building and education, to make optimal occupational choices and to benefit from
and contribute to the national growth process.
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Data analysis
STUDY OF PROFIT& LOSS A/C
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MEANING: It is a financial statement, which shows net loss of a
company for a specified period. The accounting year means calendar year of 12
months or less or more than 12 months.
CONTENTS: This presents the revenues and expenses of a company
and shows the excess of revenues over expenses for profit and vice versa for a
loss.
FORMAT: The Companies act does not provide any specific format
for this account. However it is required to be prepared on the basis of the
instructions given in part ii of schedule (vi) of the companies act.
MAIN ITEMS OF PROFIT AND LOSS ACCOUNT
Turnover or sales: The aggregate amount of sales and connected items
with the sales such as commission paid to sole-selling agents and other selling agents and
brokerage and discounts on sales other than usual trade discount.
Depreciation: The amount of depreciation of fixed assets and the arrears
of depreciation as per section 205(2) shall be disclosed by way of foot-note
Interest on loans and debentures: Interest on loans and debentures has
to be stated separately. It will include the amount of interest paid as well
as outstanding.
Miscellaneous expenses: In this head items such as rates and taxes,
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insurance premium etc., must be stated separately.
Preliminary expenses: Such expenses include the costs of formation of a
company and since their amount is usually large, it is not desirable to
write off them in one year.
Provision for taxation: The profit and loss account of a company must
be debited with the estimated liabilities for tax on the current profits at
current rates of taxation.
Unclaimed dividends: It is shown on the liabilities side of the balance
sheet under the heading current liabilities .
Interim dividends: It is an item of appropriation. It is transferred to the
debit side of the Profit and loss appropriation account.
Final dividend as an item of the trial balance: This is shown in the
debit side of the appropriation section of the profit and loss account.
Proposed dividend or final dividend proposed: Since it is an
adjustment item, it has to be shown at two places- In the debit side of the profit and loss
appropriation account and on the liabilities side of the balance sheet under the head current
liabilities and provisions.
Political donations: It must be shown as a separate item in the profit and
loss account.
Dividend on interest income: This item is transferred to the credit side
of the profit and loss account.
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Payment to auditors: It must be stated separately. This will include
consultancy fee, auditing fees management services etc.
Managerial remuneration: This includes the payments made to
managerial remuneration directors fee, pension, other allowances and
commission.
STUDY OF BALANCE SHEET
MEANING: The balance sheet is a financial snapshot of a company's
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condition at a single point in time. A balance sheet contains a listing of the company's asset,
liability and Capital accounts. When someone, whether a creditor or investor, asks you how your
company is doing, you'll want to have the answer ready and documented. The way to show off
the success of your company is a balance sheet. A balance sheet is a documented report of your
company's assets and obligations, as well as the residual ownership claims against your equity at
any given point in time. It is a cumulative record that reflects the result of all recorded
accounting transactions since your enterprise was formed. You need a balance sheet to
specifically know what your company's net worth is on any given date. With a properly prepared
balance sheet, you can look at a balance sheet at the end of each accounting period and know if
your business has more or less value, if your debts are higher or lower, and if your working
capital is higher or lower. By analyzing your balance sheet, investors, creditors and others can
assess your ability to meet short-term obligations and solvency, as well as your ability to pay all
current and long-term debts as they come due. The balance sheet also shows the composition of
assets and liabilities, the relative proportions of debt and equity financing and the amount of
earnings that you have had to retain. Collectively, external parties to help assess your companys
financial status, which is required by both lending
LEARN THE DIFFERENT ASSETS
Current assets: Current assets include cash and other assets that in the
normal course of events are converted into cash within the operating cycle. For example, a
manufacturing enterprise will use cash to acquire inventories of materials. These inventories of
materials are converted into finished products and then sold to customers. Cash is collected from
the customers. This circle from cash back to cash is called an operating cycle. In a merchandising
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business one part of the cycle is eliminated. Materials are not purchased for conversion into
finished products. Instead, the finished products are purchased and are sold directly to the
customers. Several operating cycles may be completed in a year, or it may take more than a year
to complete one operating cycle. The time required to complete an operating cycle depends upon
the nature of the business. It is conceivable that almost all of the assets that are used to conduct
your business, such as buildings, machinery, and equipment, can be converted into cash within
the time required to complete an operating cycle. However, your current assets are only those
that will be converted into cash within the normal course of your business. The other assets are
only held because they provide useful services and are excluded from the current asset
classification. If you happen to hold these assets in the regular course of business, you can
include them in the inventory under the classification of current assets. Current assets are usually
listed in the order of their liquidity and frequently consist of cash, temporary investments,
accounts receivable, inventories and prepaid expenses.
Cash: Cash is simply the money on hand and/or on deposit that is
available for general business purposes. It is always listed first on a balance sheet. Cash held for
some designated purpose, such as the cash held in a fund for eventual retirement of a bond issue,
is excluded from current assets.
Marketable Securities: These investments are temporary and are made
from excess funds that you do not immediately need to conductoperations. Until you need these funds, they are invested to earn a return.
Accounts Receivable: Simply stated, accounts receivables are the
amounts owed to you and are evidenced on your balance sheet by promissory notes. Accounts
receivable are the amounts billed to your customers and owed to you on the balance sheet's date.
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You should label all other accounts receivable appropriately and show them apart from the
accounts receivable arising in the course of trade. If these other amounts are currently collectible,
they may be classified as current assets.
Inventories: Your inventories are your goods that are available for sale,
products that you have in a partial stage of completion, and the materials that you will use to
create your products. The costs of purchasing merchandise and materials and the costs of
manufacturing your various product lines are accumulated in the accounting records and are
identified with either the cost of the goods sold during the fiscal period or as the cost of the
inventories remaining.
Prepaid expenses: These expenses are payments made for services that
will be received in the near future. Strictly speaking, your prepaid expenses will not be converted
to current assets in order to avoid penalizing companies that choose to pay current operating
costs in advance rather than to hold cash. Often your insurance premiums or rentals are paid in
advance.
Investments: Investments are cash funds or securities that you hold for a
designated purpose for an indefinite period of time. Investments include stocks or the bonds you
may hold for another company, real estate or mortgages that you are holding for income-
producing purposes. Your investments also include money that you may be holding for a pension
fund.
Plant Assets: Often classified as fixed assets, or as plant and equipment, your
plant assets include land, buildings, machinery, and equipment that are to be
used in business operations over a relatively long period of time. It is not expected that you will
sell these assets and convert them into cash. Plant assets simply produce income indirectly
through their use in operations.
Intangible Assets: Your other fixed assets that lack physical substance are
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referred to as intangible assets and consist of valuable rights, privileges or advantages. Although
your intangibles lack physical substance, they still hold value for your company. Sometimes the
rights, privileges and advantages of your business are worth more than all other assets combined.
Other Assets: During the course of preparing your balance sheet you will
notice other assets that cannot be classified as current assets, investments, plant assets, or
intangible assets. These assets are listed on your balance sheet as other assets. Frequently, your
other assets consist of advances made to company officers, the cash surrender value of life
insurance on officers, the cost of buildings in the process of construction, and the miscellaneous
funds held for special purposes.
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FINDINGS
ICICI Bank has voted as the most trusted brand among private sector bank.
ICICI Bank ranked 7th
in the last of top 50 service brand.
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ICICI Bank recived 2010 world finance U.K award.
ICICI Bank promoted e- banking at the high point.
Exchange rate of money made convenient to the customer.
Interest rate are high at the case of last payment
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SUGGESTIONS
Policies should be flexible and trustworthy.
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ICICI Bank should make such type of investment which improve infrastructure of
our country.
ICICI should invest in the rural areas for rural development.
The minimum balance should be that much so that a normal person can continue the
account.
ICICI interest should be nominal in case of last payment of loan investment. They
only charge penalty for the same but donot double the interest rate.
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CONCLUSIONS
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At last we can conclude that ICICI Bank is the 2nd
larest bank in India. And it is voted as the
most trusted brand among private sectors bank. ICICI bank has a network of 2510 branches
and 5808 ATMS in India. The branch has many subsidiaries in other countries. Recent the
bank has a amalgamation with a BANK OF RAJASTHAN LTD. On 13th
aug. 2010 .ICICI
bank wins world finance award 2010 in 3 catogries.
ICICI bank has high interest rate in the case of last payment. It should not be
double the bank can charge the penalty . The minimum balance for continuing account in
ICICI bank is high. So it should be that much nominal so a middle class person can continue
the account.
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BIBLIOGR PHY
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NEWSPAPER
MAGZINES
WWW.ICICIBANK.COM
BOOKS
http://www.icici/http://www.icici/http://www.icici/