BEST BANKS IN INDIA

1.INDUSTRIAL CREDIT AND INVESTMENT

CORPORATION OF INDIA(ICICI BANK).

2.STATE BANK IN INDIA (SBI BANK)

INTRODUCTION…..
BANKING
BANKING HISTORY.
BANKING IN INDIA.
BOARD OF DIRECTORS.
VISION & MISSION.
PRODUCT & SERVICES.
CAPITAL STRUCTURE.
GROWTH TRAJECTORY.
ACHIVEMENTS AND MILESTONE.
FUTURE PLAN.
CONCLUSIONS.
HISTORY OF BANKING
First banks:- Religious temples of ancient world.

First started:- Third millennium B.C.

First recording:- 18 century B.C. at Babylon.

BANKING IN INDIA
Banking in India:- 18th century.
First banks:- General Bank Of India & Bank Of
Hindustan in 1786.
Oldest bank:- State Banks Of India
originated in Bank of Calcutta in June 1806.
First fully owned banks in India:- Allahabad banks in
1856.
Industrial Credit and Investment
Corporation of India

ICICI BANK
Overview of ICICI Bank
Established in 1955.

1994 ICICI established Banking Corporation.

India's second-largest bank total assets of Rs.3,634.00 billion at March 31, 2010.

Network 2035 Branches, 5518 ATMs and 24 million customers .

Subsidiaries and branches in 18 countries.

Listed in Stock Exchange NSE, BSE and ADR’s on NYSE.

CEO of ICICI is Chanda Kochhar.

Vision:-
Leading provider of financial services.

Mission:-
 Leverage our people, technology, speed & financial
capital.
 To be banker of first choice .
 Play a proactive role.
 Diversify our earnings.
 Create value for our stakeholders.
 JOURNEY OF ICICI BANK
 2001: Acquired Bank of Madura, Chettinand Mercantile Bank and
Illinois Bank
 2002: International expansion by offices in New York and London.
 2003:India’sfirstever"Visa Mini Credit Card“.
 2004: Mobile banking service in India.
 2005 : Largest bank in India in terms of its market capitalization.
 2006 : Introduced‘NRI smart save Deposits’.
 2007 :- ICICI amalgamated Sangli Bank, ICICI Bank raised Rs 20,000
crore.
 2008 :- ICICI Bank and British Airways launch co-branded credit card.
 2009 :- Ms Chanda Kochhar was appointed as MD & CEO.
 2010 : Amalgamate with Bank of Rajasthan.
 AWARDS
 Asian Banker Award.

 Asian Banker Award for Excellence in SME Banking 2009

 World Finance UK.

 Most Preferred Auto Loan Brand at the CNBC Consumer

Award.

 2010 Economic Times - Brand Equity Most Trusted Brands.

 Balance sheet of ICICI Bank
March 31, March 31 Change %
2009 2010

Assets:

Cash, balances with RBI and Rs. 933.53 Rs. 1,072.77 14.9
other banks and Statutory
Liquidity
Ratio (SLR) investments

– Cash and balances with RBI 299.66 388.73 29.7

and banks

– SLR investments1 633.87 684.04 7.9

Advances 2,183.11 1,812.06 17.0
Debentures, bonds and other 396.71 524.89 32.3
investments
Fixed assets (including leased 38.02 32.13 (15.5)
assets)
Other assets 241.64 192.15 (20.5)
Total Assets Rs. 3,793.01 Rs. 3,634.00 (4.2)
Liabilities: March 31, March 31, % change
2009 2010
Equity capital and reserves Rs. 495.33 Rs. 516.18 4.2

– Equity capital 11.13 11.15 0.2

– Reserves 484.20 505.03 4.3

Deposits 2,183.48 2,020.17 (7.5)

– Savings deposits 410.36 532.18 29.7

– Current deposits 216.32 309.98 43.3

– Term deposits 1,556.80 1,178.01 (24.3)

Preference capital2 3.50 3.50

Borrowings 673.24 609.47 9.5

– Domestic 138.56 140.21 1.2

– Overseas 534.68 469.26 12.2

Subordinated debt (included in 254.82 329.673 29.4

Tier-1 and Tier-2 capital
– Domestic 237.66 314.473 32.3

– Overseas 17.16 15.20 (11.4)

Other liabilities 182.64 155.01 (15.1)

Total liabilities Rs. 3,793.01 Rs. 3,634.00 (4.2)

 BOARD MEMBER:-
Mr. K. V. Kamath, Chairman Mr. V. Prem Watsa
.................................................... ..................................................
Mr. Sridar Iyengar Ms. Chanda D. Kochhar,
.................................................... Managing Director & CEO
Mr. Homi R. Khusrokhan .........................................................
.................................................... Mr. N. S. Kannan,
Dr. Anup K. Pujari Executive Director & CFO
................................................. .........................................................
Mr. M.S. Ramachandran Mr. K. Ramkumar,Executive Director
.................................................. .........................................................
Dr. Tushaar Shah Mr. Rajiv Sabharwal,Executive Director
..................................................
Mr. M.K. Sharma
..................................................
Mr. V. Sridar
 Contribution To Different Sectors
 Corporate sector
 Agri. and rural sector
 SME sector
 Education sector

Sectors and its contribution

 Sectors Contribution
( in Cr)
 Corporate Rs.31962
 Agri. And Rural Rs. 9132

 SME Rs. 4566

 Education Rs. 4867.75
 Competitors
 SBI
REVENUE
 HDFC
 AXIS BANK 9% 6%
SBI
 PNB
ICICI
HDFC
27% 58% AXIS

Source: Wikipedia
Transforming Public Sector Banks

State Bank Of India

A Success Story
WHAT DIFFERENTIATES SBI?
State Bank of India:-
Organization structure
Corporate Governance
Corporate Leadership
Internal Controls
Product Innovation
Human Resources
OVER VIEW OF SBI BANK
SBI – Over 9,000 Branches.
7 Associate Banks – Over 4,000 Branches.
Banking Subsidiaries.
 1 in India
 2 wholly-owned (outside India)
 2 joint ventures (outside India)

7 Non-Banking Subsidiaries.
Current Managing Director:- S.K.Bhattacharya.
Chairman :- O.P.Bhatt.
Chief Financial Officer:- S.S.Ranjan.
Chief General Manager Bangalore:- Mahapara Ali.
 State
Bank
of
India
ORGANISATION STRUCTURE
Customer Focused Organisation Structure

State Bank of India

Corporate Centre

Corporate Banking International Banking National Banking Associates &

Group Group Group Subsidiaries

Local
Corporat Leasing 100% Non-
Project e Head 7
SBU Offices Associate owned Banking
Finance SBUAccount
s Group Banks banking Subsidiarie
Development subsidiary s&
Commercial
& Affiliates
Focus on Network
Focus on Dedicated Infrastructu Personal •Investment
Infrastruc focus on re & Banking Banking
ture, Top Mid-sized Network •Funds
Capital
Telecom, corporates, Management
Corporate intensive large SSIs Personal
Transport projects & Agri. Government •Primary
Business customers
& SSIs/ Dealership
Hydrocar Agriculture •Factoring
bon /Small •Credit Cards
business
financing •Insurance
High net- •Credit
worth
Individuals Bureau
 BOARD OF DIRECTORS:-
Sr. No. Name of Director Sec. of SBI Act, 1955
Shri O.P. Bhatt
1. 19(a)
Chairman
Shri S.K. Bhattacharyya
2. 19(b)
MD & CC&RO
Shri R. Sridharan
3. 19(b)
MD & GE(A&S)
4. Dr. Ashok Jhunjhunwala 19(c)
5. Shri Dileep C. Choksi 19(c)
6. Shri S. Venkatachalam 19(c)
7. Shri. D. Sundaram 19(c)
8. Dr. Deva Nand Balodhi 19(d)
9. Prof. Mohd. Salahuddin Ansari 19(d)
10. Dr.(Mrs.) Vasantha Bharucha 19(d)
11. Dr. Rajiv Kumar 19(d)
12. Shri Ashok Chawla 19(e)
 BALANCE SHEET
  Mar ' 10 Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06

Sources of funds

Owner's fund

Equity share 634.88 634.88 631.47 526.30 526.30

capital

Reserves & 65,314.32 57,312.82 48,401.19 30,772.26 27,117.79

surplus

Loan funds

Unsecured
loans 8,04,116.23 7,42,073.13 5,37,403.94 4,35,521.09 3,80,046.06

Total 8,70,065.43 8,00,020.82 5,86,436.60 4,66,819.65 4,07,690.14

Uses of funds
Fixed assets
Gross block 11,831.63 10,403.06 8,988.35 8,061.92 7,424.84
Less :
accumulated 7,713.90 6,828.65 5,849.13 5,385.01 4,751.73
depreciation
Net block 4,117.72 3,574.41 3,139.22 2,676.91 2,673.11
Capital work- 295.18 263.44 234.26 141.95 79.82
in-progress
Investments 2,85,790.07 2,75,953.96 1,89,501.27 1,49,148.88 1,62,534.24
Net current assets
Current assets,
loans & 35,112.76 37,733.27 44,417.03 25,292.31 22,380.84
advances

Less : current
liabilities & 80,336.70 1,10,697.57 83,362.30 60,042.26 55,538.17
provisions
Total net
current assets -45,223.94 -72,964.30 -38,945.27 -34,749.95 -33,157.32

Total 2,44,979.0 2,06,827.50 1,53,929.48 1,17,217.80 1,32,129.85

3
Notes:

Contingent 5,96,366.41 7,67,567.52 8,29,740.48 3,29,954.73 2,49,437.78

liabilities

Number of
equity
sharesoutst 6348.83 6348.80 6314.70 5262.99 5262.99
anding
(Lacs)

Sour:-sbi.bank.com
CORPORATE GOVERNANCE
SBI is unique in that it has both
Central Board
Local Board for each Circle

Independent directors from different sectors –

industrialists, academicians, professionals

The Board is highest policy making body.

Specific tenure for independent directors.

INTERNAL CONTROLS
Systems Audit periodically undertaken to assess
deficiency.

Time tested systems and procedures.

SBI does not compromise with the procedures.

Comprehensive Management Information and Decision

Support Systems.

Constant reviews of these systems.

HUMAN RESOURCES
Committed professional.

Best pool of human resources

SBI has been the source for talent for many of the foreign
and private sector Banks

Employee productivity - Performance Management

System.

Transparency in personnel matter

 Appellate / review authority
 CONCLUSION
Notwithstanding its public & private sector nature SBI & ICICI has
shown consistently strong performance, demonstrating:
 Being in the public & private sector in itself need not really be a
handicap to success.
 Quality of governance is independent.
 Ownership, and management roles and concerns can be kept
separate and as long as they are kept so, performance is better.
 Long term strategy and a clear vision about market positioning is
essential.
 Ability to provide leadership from within is important.
 Development of human resource is critical.
 SUROJIT KUMAR BOSE
PRIYA LAXMI MOHANTA