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BANKING INDUSTRY

A banker or bank is a
financial institution
whose primary activity is to act
as a payment agent for customers
to borrow and lend.
Banking and Finance -
Overview
Financial
Services

Commercial Investment Advisory


Insurance
Bank Services Services

• Private banking • Asset • Insurance • Stock brokers


Management Brokerage (private client
• Investment
services) and
Banks • Hedge Fund • Insurance
discount brokers
Managers Underwriting
• Bank cards
• Custody services • Reinsurance
• Credit card
machine services
and networks
h
India - Strategic
Map
Citibank
Stan C
g
Hi ABN
HSBC Amro
y
ICICI Bank
it
al
Karur HDFC
u Vysya
Q IndusInd
Bank
e
Vysya
c State Bank of
vi India
er Bank of
S Baroda
Bank of
PNB
Andhra
Bank
w
Co-operative Canara
o
Banks
L
Rural Banks

R Region Urban
ural al
Geographical
The India Scenario - A

Comparison
Only one Indian Bank in the top 100 Banks in the world
• India's best and brightest, the SBI, is roughly one-tenth the
size of the world's biggest bank - Citigroup
• Six Chinese banks feature among the top 25 Asian banks
while India has only two representatives - SBI and ICICI
Bank.
• Similarly, SBI's consolidated pre-tax profit is $1.9 billion
against Citigroup's $29 billion, Bank of America's $25 billion
and HSBC's $21 billion
• The one area where Indian banks are able to compete with
their global peers is their return on assets (RoA). Among big
Indian banks, ICICI Bank, PNB, Canara Bank and HDFC Bank
have a return on assets of over 1 per cent return, while
SBI's return on assets is 0.89 per cent. Among Indian banks,
HDFC Bank has the highest return on assets -- 1.71 per
cent.
• This is lower than that of Citigroup (1.97 per cent) but much
better than the RoA of HSBC (1.40 per cent). Our banks are
small but efficient. However, if the economy has to grow at
Major Players
• Global • Indian
– JP Morgan Chase – SBI
– Bank of America – ICICI
– HSBC – PNB
– Citigroup – HDFC
– Deutsche Bank – Bank of Baroda
– Goldman Sachs – Corporation Bank
– Morgan Stanley – IDBI
– Merrill Lynch – UTI
– BNP Paribas
India’s Second Largest
Bank
History Of ICICI
Formed- 1955 at the initiative of the

world bank
•Originally promoted-1994 By ICICI
Limited
•India’s Second largest bank
•In 1999 ICICI became first Indian
company and bank
•In 2001 ICICI acquired Madura
Bank
•In 2001 bank approved the
merger of ICICI and two of its
wholly owned retail finance
Board Of Directors
Products of a
bank
•Financial products
•Non-Financial products
Financial
Products-
•Banking
•Insurance
•Loans
•Remittances
•Investments
•Derivatives
Non-Financial
products-
• E-Governance
• Education
• Health
• Agri-Extension
• Communication
• Entertainment
New Product
Development-
•Arranging for forfeiting services
•Co-Acceptance
•Electronic advertising of export
letters of credit
•EEFC Checking accounting
•Arranging for non-resource
financing for deferred payment
exports
•Special foreign currency account
for overseas tour operators
•Travelers cheque reimbursement
Performance Review – Year ended March 31, 2008:
ICICI Bank’s
profit after tax crosses US$ 1.0 billion
Highlights
• Profit after tax for the quarter ended March 31, 2008 (Q4-
2008)
increased 39% to Rs. 1,150 crore (US$ 287 million) from Rs. 825
crore (US$ 206 million) for the quarter ended March 31, 2007
(Q4-
2007).
• Profit after tax for FY2008 increased 34% to Rs. 4,158 crore
(US$
• Net 1.0
interest income increased 30% to Rs. 7,304 crore (US$ 1.8
billion) for FY2008 from Rs. 5,637 crore (US$ 1.4 billion) for
FY2007.
• Fee income increased 32% to Rs. 6,627 crore (US$ 1.7 billion)
for
FY2008 from Rs. 5,012 (US$ 1.2 billion) for FY2007.
• Current and savings account (CASA) deposits ratio increased to
• At March 31, 2008, ICICI Bank and its subsidiaries had
consolidated
total assets of Rs. 485,830 crore (US$ 121.1 billion
Dividend on equity shares-
The Board has recommended a dividend of
110% for FY2008 i.e. Rs. 11
per equity share (equivalent to US$ 0.55 per
ADS) as compared to 100%
for FY2007. The declaration and payment of
dividend is subject to
requisite approvals. The record/book closure
dates shall be announced in
due course.
SWOT Analysis Of
ICICI Bank
•Strengths
•Weaknesses
•Opportunities
•Threats
STRENGTHS -
qBRAND NAME

qMARKET SHARE

NETWORK
qSALARY ACCOUNT

qDIVERSIFIED PORTFOLIO

qWORKING HOURS
qTREASURY DEPARTMENT

qTECHONOLOGY
Weaknesses-

qTRANSACTION COST

qFOCUS ONLY ON HIGH END CUSTOMERS

qDEFENSIVE APPROACH IN LENDING

qLITTLE PRESENCE OUTSIDE INDIA

qPOOR CUSTOMER CARE/SERVICE


Opportunitie
s-
qNEW IT & ITES COMPANIES

qDissatisfied Customers of Other Banks

qRemittances

qBusiness advising for smaller Players


Threats-
qAdvent of MNC banks

qDissatisfied Customers

qEver improving nationalized banks

qCompetitors
Thank you
● Presented By :
ØShoma Ghosh
ØKavita Singhal
ØArchna Lal
ØMonica
ØBuddhpriya
ØRitesh Mishra