IMPLEMENTATION OF

UNIVERSAL
BANKING IN ICICI

PRESENTED BY :


SURYA PRAKASH


SANHITA SARKAR

1
UNIVERSAL BANKING

Offering all types of financial

products
 Banking, insurance,
mutual funds
 Capital market related
products like share
broking, commodity
broking
 Investment type products
like sale of gold/bullion,
govt / corporate bonds,
 Advisory services
 ABOUT ICICI
• 1955 : The Industrial Credit and Investment Corporation of
India Limited (ICICI) incorporated at the initiative of the
World Bank, the Government of India and representatives
of Indian industry, with the objective of creating a
development financial institution for providing medium-
term and long-term project financing to Indian
businesses. Mr.A.Ramaswami Mudaliar elected as the
first Chairman of ICICI Limited.


• 1994 : ICICI Bank set up.

•
• 2001 : The Boards of ICICI Ltd and ICICI Bank approved the
merger of ICICI with ICICI Bank.


• 2002 : ICICI Ltd merged with ICICI Bank Ltd to create

India’s secondlargest bank in terms of assets.
 NEED FOR UNIVERSAL
BANKING
• Bad condition of DFIs :
 The DFIs were established to assess and
finance viable industrial projects that required
long-term funds. The government made available
subsidised funds to help carry out on-lending. In
the early 1990s, subsidised funding to DFIs was
terminated, thereby forcing them to rely on the
market for resources.


• Problem of NPA



 NEED FOR UNIVERSAL
BANKING
• Narasimham Committee (NC) and Khan
Working Group


 The Narsimham Committee II

suggested that Development Financial
Institutions (DFIs) should convert ultimately
into either commercial banks or non-bank
finance companies. The Khan Working Group
held the view that DFIS should be allowed to
become banks at the earliest. The RBI
released a 'Discussion Paper' (DP) in January
1999 for wider public debate. The feedback
on the discussion paper indicated that while
the universal banking is desirable from the
point of view of efficiency of resource use,
there is need for caution in moving towards
 NEED FOR UNIVERSAL
BANKING
•
•
• Liberalization of economy.
 ICICI INTO UNIVERSAL BANKING
Leveraging Technology to enhance delivery
capabilities
B2B expert
Empanelled
Solution
for tax and
S m a rt accounting advice
s Portals
C a rd

e-
Web Te ch n o Commerce
Trading lo g y initiati
ves

Internet Call
Banking Centre
Mobile
Banking
7
 A universal banking powerhouse...

Retail Financial Corporate Financial

Services Services
Car Term
Loans Loans
Mortgage Project
s Finance
Credit Commercial
Cards Bank
Personal Investment
loans Bank
Deposit Venture
s Capital
Life Genl .
Insurance Insurance
Mutual IT
funds Services

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 ICICI Universal Banking
coupled with SWOT


STRENGTH:
Ø Economies of scale
Ø profitable diversions
Ø Resource utilization
Ø Easy marketing on the foundation of
the
 brand name.
Ø One stop shopping
Ø Customer friendly activities.

A solution of Universal Banking
coupled with SWOT
• WEAKNESS :
Ø Grey area of universal bank.
Ø No expertise in long term
lending.
Ø NPA problem remains intact.
A solution of Universal Banking
coupled with SWOT
• OPPORTUNITIES :
Ø To increase efficiency and
productivity.
Ø To tap large portion of population.


• THREAT :
Ø Big Empires.


CONCLUSION