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INTRODUCTION OF BANKING Definition Of Bank: Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits of money from the public, repayable on demand or otherwise and withdraw by cheque, draft or otherwise.“
-Banking Companies (Regulation) Act,1949
HISTORY OF BANKS IN INDIA Banking in India originated in the last decades
of the 18th century
The first banks were THE GENERAL BANK OF INDIA, which started in 1786
The oldest bank in existence in India is the STATE BANK OF INDIA, which originated as the BANK OF CALCUTTA in June 1806
The first fully Indian owned bank was the ALLAHABAD BANK, established in 1865
The banking industry has grown at a compounded annual rate of over 51 per cent since April 2001
Industry life cycle – Growing stage
Evolution of Banking
Pre-Independence
Post-Independence
Owdh Commercial Bank(1881)
Punjab National Bank (1895)
The Bank of India (1906), Bank of Baroda Ltd (1908), Central Bank of India Ltd
(1911)
Reserve Bank of India (1935)
Nationalization of Banks
Imperial Bank of India brought under public
ownership (1955)
Formation of State Bank Group (1955-59)
Emergence of New Private Sector Banks (1993)
77%
17% 6%
Banks Market Structure In India
Public BanksPrivate BanksForeign Banks
BANKING STRUCTURE IN INDIA
Commercial BanksCooperative Banks
Commercial Banks
Public Sector Banks – (26).Nationalized BankOther Public Sector Banks (IDBI)SBI And Its Associates
Private Sector Banks - (25).Old Private BanksNew Private BanksForeign Banks In India – (29).Regional Rural Banks – (95).
Public Sector BanksNationalised banks.Allahabad BankAndhra BankBank Of BarodaBank Of IndiaBank Of MaharastraCanara BankCentral Bank Of IndiaCorporation BankDena BankIndian Bank
Indian Overseas BankOriental Bank Of CommercePunjab & Sind BankPunjab National BankSyndicate BankUCO BankUnion Bank Of IndiaUnited Bank Of IndiaVijaya Bank
SBI And Its Associates
State Bank of India State Bank of Hyderabad State Bank of Mysore State Bank of PatialaState Bank of Travancore State Bank of Bikaner And Jaipur
Private Sector BanksOld Private Sector Banks Bank of Rajasthan Ltd.Catholic Syrian Bank Ltd.City Union Bank Ltd.Dhanalakshmi Bank Ltd.Federal Bank Ltd.ING Vysya Bank Ltd.Jammu and Kashmir Bank Ltd.Karnataka Bank Ltd.Karur Vysya Bank Ltd.
Lakshmi Vilas Bank Ltd.Nainital Bank Ltd.Ratnakar Bank Ltd.SBI Commercial and International
Bank Ltd.South Indian Bank Ltd.Tamilnadu Mercantile Bank Ltd.United Western Bank Ltd.
New Private Sector Banks Bank of Punjab Ltd. (since merged with
Centurian Bank)Centurian Bank of Punjab (since merged
with HDFC Bank)Development Credit Bank Ltd.HDFC Bank Ltd.ICICI Bank Ltd.IndusInd Bank Ltd.Kotak Mahindra Bank Ltd.Axis Bank (earlier UTI Bank).Yes Bank Ltd.
Foreign Banks In IndiaABN AMRO Bank N.V.Abu Dhabi Commercial Bank LtdAmerican Express BankAntwerp Diamond BankArab Bangladesh BankBank International IndonesiaBank of AmericaBank of Bahrain & KuwaitBank of CeylonBank of Nova Scotia
Bank of Tokyo Mitsubishi UFJBarclays BankBNP ParibasCalyon BankChinaTrust Commercial BankCitibankDBS BankDeutsche Bank
HSBC (Hongkong & Shanghai Banking Corporation)
JPMorgan Chase BankKrung Thai BankMashreq BankMizuho Corporate BankOman International BankShinhan BankSociété GénéraleSonali BankStandard Chartered BankState Bank of Mauritius
Cooperative Banks
Urban Cooperative Banks.State Cooperative Banks.
SBI18%
ICICI14%
HDFC12%
PNB10%
AXIS10%
OTHERS36%
MAJOR MARKET SHARE-2011
CHALLENGES FACED BY BANKING INDUSTRY IN INDIA
Deregulation
New rules
Efficiency
Diffused customer loyalty
Misaligned mindset
Competency gap
ABOUT ICICI BANKIndustrial Credit and Investment
Corporation of IndiaFounded in 1955 by as a joint-venture
of the World BankICICI Bank launched internet banking
operations in 1998.In 2000, ICICI Bank became the first
Indian bank to list on the New York Stock Exchange.
ICICI Bank is India's second-largest bank.
PROFILE OF ICICI BANKType: PublicFounded: 1995Headquarter: Mumbai,Maharashtra,India Industry: Banking, Financial serviceNet revenue: US$ 13.812 billion (2011)Net Profit : US$ 1.366 billion (2011)Employees: 79,978 (2011Website: www.icicibank.com
BOARD OF DIRECTORSChairmen : K.V.KamathCEO : Chanda KochharExecutive Director : N. S. KannanVice president : Mr. Vishvesh
G. BhagaGeneral manager : Ms. Shilpa Kumar
NETWORK OF ICICI It has 8003 ATMs in the countryThe Bank has a network of 2752 branches in
India. It has a presence in 19 countries , including
India.Traded as BSE, NSE, NYSE and BSE SENSEX
PRODUCT AND SERVICESTravelers Cheque Card (Credit Cards,Debit Cards ,Travel Cards, Corporate Cards, Prepaid
Cards ,Business Cards)
Loan (Home Loans, Personal Loans, Two Wheeler Loans, Car Loans)
Investment Insurance NRI banking Deposit Business banking Personal banking
Competitor
HDFC Bank.SBI.Allahabad BankAndhra BankBank of BarodaBank of IndiaBank of MaharashtraCanara BankCentral Bank of IndiaCorporation Bank
Dena Bank IDBI Bank Indian Bank Indian Overseas BankOriental Bank of CommercePunjab & Sind BankPunjab National BankSyndicate BankUCO BankUnion Bank of IndiaUnited Bank of IndiaVijaya Bank
INNOVATIONS
CUSTOMER SERVICE
CREDIT MANAGEMENT
ASSET LIABILITY
MANAGEMENTATMSSMART CARDS
INTERNET BANKING
RESOURCE MOBILISATION
SWOT ANALYSIS OF ICICISTRENGTHSII Largest bank in India.Successfully diversified it’s
operations.Listed in NYSE.Considered as a pioneer in usage
of internet services.Aggressive and innovative
marketing strategies.
WEAKNESS
Primarily targets upper middle class and upper class of the society.
Higher service charges.Poor customer care/serviceFocus only on high end
customersTransaction cost.
OPPORTUNITIES
New IT & ITES companies Dissatisfied customers of other
BankBusiness advising for smaller
players Expanding business to the middle
and lower income groups.
THREATS
Dissatisfied customersEver improving nationalized bankAdvent of MNC banksMore and more banks are
coming up.
MARKETING STRATEGY
To make its presence more prominent
Focus on credit quality
To create awareness about products through
advertisement
To maintain its brand of a global bank
Career Opportunities For Fresh MBA Graduates in Banks
Branch Manager and Branch Operation Manager.
Chartered Accountants.Home Loan counselors.Sales Officer.Accountants.