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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
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 PostIndependence
Nationalization of Banks
Punjab National Bank (1895) The Bank of India (1906), Bank of Baroda Ltd (1908), Central Bank of India Ltd (1911)
Commercial Banks
Public Sector Banks (26). Nationalized Bank Other Public Sector Banks (IDBI) SBI And Its Associates
Private Sector Banks - (25). Old Private Banks New Private Banks Foreign Banks In India (29). Regional Rural Banks (95).
Indian Overseas Bank Oriental Bank Of Commerce Punjab & Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank Of India United Bank Of India Vijaya Bank
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.
ABN AMRO Bank N.V. Abu Dhabi Commercial Bank Ltd American Express Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia
Bank of Tokyo Mitsubishi UFJ Barclays Bank BNP Paribas Calyon Bank ChinaTrust Commercial Bank Citibank DBS Bank Deutsche Bank
HSBC (Hongkong & Shanghai Banking Corporation) JPMorgan Chase Bank Krung Thai Bank Mashreq Bank Mizuho Corporate Bank Oman International Bank Shinhan Bank Socit Gnrale Sonali Bank Standard Chartered Bank State Bank of Mauritius
Cooperative Banks
Urban Cooperative Banks. State Cooperative Banks.
AXIS 10%
PNB 10%
Deregulation New
rules
Efficiency Diffused
Misaligned
Competency
Type: Founded: Headquarter: Industry: Net revenue: Net Profit : Employees: Website:
Public 1995 Mumbai,Maharashtra,India Banking, Financial service US$ 13.812 billion (2011) US$ 1.366 billion (2011) 79,978 (2011 www.icicibank.com
BOARD OF DIRECTORS
NETWORK OF ICICI
It has 8003 ATMs in the country The 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
Competitor
HDFC Bank. SBI. Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank
Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank
ICICI GROUP
CUSTOMER SERVICE
RESOURCE MOBILISATION
CREDIT MANAGEMENT
SMART CARDS
ATMS
WEAKNESS
Primarily targets upper middle class and upper class of the society. Higher service charges. Poor customer care/service Focus only on high end customers Transaction cost.
OPPORTUNITIES
New IT & ITES companies Dissatisfied customers of other Bank Business advising for smaller players Expanding business to the middle and lower income groups.
THREATS
Dissatisfied customers Ever improving nationalized bank Advent of MNC banks More and more banks are coming up.
MARKETING STRATEGY
To
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Sources: www.icicibank.com
Sources: www.icicibank.com
Sources: www.icicibank.com
Branch Manager and Branch Operation Manager. Chartered Accountants. Home Loan counselors. Sales Officer. Accountants.