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Conclusion

Thus, ICICI has been able to use technology to provide value-added service
to its customers during the last few years. For ICICI, technology is an integral
part of their business. However, their overall progress could have been
smoother but for certain internal and extraneous factors and also a pressure
on spread due to a competitive market. E-banking has become a necessary
survival weapon and is fundamentally changing the banking industry
worldwide. Today, the click of the mouse offers customers banking services
at a much lower cost and also empowers them with unprecedented freedom in
choosing vendors for their financial service needs. No country today has a
choice- whether to implement E-banking or not given the global and
competitive nature of the economy. ICICI have top grade and constantly
think of new innovative customized packages and services to remain
competitive. The invasion of banking by technology has created an
information age and commoditization of banking services. ICICI have come
to realize that survival in the new e-economy depends on delivering some or
all of their banking services on the Internet while continuing to support their
traditional infrastructure. The rise of E-banking is redefining business
relationships and the most successful banks will be those that can truly
strengthen their relationship with their customers. Without any doubt, the
international scope of E-banking provides new growth perspectives and
Internet business is a catalyst for new technologies and new business
processes.



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SUGGESTIONS

1. The company should adopt best marketing strategy to expansion the market.

2. To increases its branches.

3. To increases more activity rather than banking system.

4. To make good relationship with its customer.

5. To make effort for increasing the awareness about the internet banking among
the customers

6. To reduces the interest rate of loan process.

7. To reduces the minimum amount of maintaining the account.























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Confidential Questionnaire

Dear SIR/MADAM, I am conducting survey on ICICI. I shall be very thankful to give your few
minutes to me for answering my few questions below.

NAME AGE

MARITAL STATUS OCCUPATION.

EDUCATIONAL QUALIFICATION.



1. What type of account do you have in ICICI Bank?

(a) Current (b) Saving (c)Loan (d)Others


2. Which of the following attributes compelled you to most open saving account in any bank?

(a) ATM (b) Cheque book (c) Internet Banking (d) Working hours (e) value added services


3. For the past how many years you have account with ICICI bank?

(a) Less than 1 year (b) 1-5 years (c) More than 5 years



4. Why do you prefer ICICI bank?

(a) Quality and services (b) Quick transaction (C)Support to customer

5. How would you know about the services provided by the ICICI Bank?

(a) Through selling agent (b) Through friends & relatives (c) Through advertisement (d) Others

6. What the Peoples think about the banks?

(a) Security (b) Saving (c) Imposition of a burden of expenses (d) Others

7. The process of loan is suitable to you?

(a) Yes (b) No




If no .Why



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(a) Taking longer period of time

(b) Documentation Complexity

(c) Verification

8. What is your opinion about the processing charges of loan?

(a) Low (b) Medium (c) High

9. Which kind of loan do you prefer?

(a) Housing loan (b) Personal loan (c) Car loan (d) Education loan

10. What is your opinion about the interest rate charged on loan by the ICICI bank?

(a) Low (b) Medium (c) High
11. Do you avail internet banking?
(a) Yes (b) No
12. In case of no, Why are you not using internet banking
(a) Lack of awareness (b) Connectivity problem (c) More complex for use
13. What do you feel about overall services of ICICI bank?
(a) Excellent (b) Very good (c) Good (d) Average


14. Would you like any recommendation to ICICI Bank?

..

















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