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7/27/2019 ICICI Bank Structure
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Organizat ion stru ctu reWorking Procedu re
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ICICI Bank today
Large capital base
Vast talent pool
Low operating costs
Technology focus
Strong corporaterelationships
2
Indias largestprivate sector b ank
and one stop
f inancia l solut ion s
prov ider with a
diversi f ied
and de-r isked
bus iness
model
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3
Organ izat ion Struc ture
Retail Banking
Wholesale Banking
Project Finance and Special Assets
Management
International Business
Corporate Centre
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Mr. K. V. Kamath, Chairman
Mr. Sridar Iyengar
Dr. Swati PiramalMr. Homi R. Khusrokhan
Mr. Arvind Kumar
Mr. M.S. RamachandranDr. Tushaar Shah
Mr. V. Sridar
Board Members
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Ms. Chanda Kochhar,
Managing Director & CEO
Mr. N. S. Kannan,Executive Director & CFO
Mr. K. Ramkumar,Executive Director
Mr. Rajiv Sabharwal,
Executive Director
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What was the
MAGIC that fo rced
ICICI to come in
Retai l Sec to r?
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7
Magic that forced ICICI to come inConsumer Segment
Est imates b ased on NCAER data. Consuming classcompr ises m idd le and high incom e households
Consumingclass population
estimated atabout 260 mn1
Consumingclass population
estimated atabout 350 mn1
2000: Per capitaincome Rs16,173
2007: Per capita
income Rs24,295
35%
growth
From per capita GDP of US$ 1,000 to US$ 1,500:consuming population to grow manifold
Consumingclass population
estimated atabout 600 mn1
2015: Per capita
income Rs36,442
70%
growth
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What were ICICI
Strateg ies to Cap tu reun tapped market?
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ICICI Banks consumer finance strategy
Soundselling
strategy
Multiproductofferings
Multichannelofferings
Pan-Indiaprovider offull suite of
retail
products
Efficientoperations
S
trong
B
ra
nd
Focus on cross selling
The one stop financialshop
Product differentiation
Technology leddelivery of products
Superior servicequality at optimum
cost
Aspirations
Marketleadership
&
Scale
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Establishing consumer credit distribution
Doorstep delivery
Agents taking productto the customer
Availability of credit atthe customers home or
office
Point-of-sale delivery
Strong channel partnernetwork
Manufacturers,dealers, realtors
Availability of credit atpoint-of-sale of product
Enhanced customer convenience
the key selling proposition
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Before 1999Particulars
6Branches/ Offices
3,000Customer Base
Single productProduct Portfolio
ATMs -
and achieving economies of scale.
Employee Base 1,000
Internet customers -
Now
2044
31 Mn
complex retail &corporate finance
products
5546
>35000
>18.3 Mn
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Is i t poss ible to manage excel lency
in such a COMPLEX system?
12
Then
What d id ICICI do to manage sucha COMPLEX system?
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Operational excellence
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Prudent credit
policies
Adequate fraudcontrol
Rigorouscollection
mechanism
6 sigma