Industrial Credit and Investment

Corporation of India
(ICICI)

 ICICI Bank is India's second-largest bank with total

assets of Rs. 3,634.00 billion (US$ 81 billion) at March
31, 2010 and profit after tax Rs. 40.25 billion (US$ 896
million) for the year ended March 31, 2010. The Bank
has a network of 2,528 branches and 5,808 ATMs in
India, and has a presence in 19 countries, including
India. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail
customers through a variety of delivery channels and
through its specialized subsidiaries in the areas of
investment banking, life and non-life insurance, venture
capital and asset management. The Bank currently has
subsidiaries in the United Kingdom, Russia and Canada,
branches in United States, Singapore, Bahrain, Hong
Kong, Sri Lanka, Qatar and Dubai International Finance
Centre and representative offices in United Arab
Emirates, China, South Africa, Bangladesh, Thailand,
Malaysia and Indonesia. Our UK subsidiary has
established branches in Belgium and Germany.
Chanda Kochhar named ICICI Bank CE
 Tag line of icici bank? Hum Hai Na.

Type Public (NSE: ICICIBANK, BSE: 532174, NYSE: IBN)

Banking
Industry
Financial services
Founded 1955
Headquarters Mumbai, Maharashtra, India
K.V. Kamath
(Chairman)

Chanda Kochhar
Key people
(MD & CEO)

N. S. Kannan
(CFO)

Investment Banking
Commercial Banking
Retail Banking
Products Private Banking
Asset Management
Mortgages
Credit Cards
Revenue 59,599.77 crore (US$12.93 billion) (2009)[1]
Operating income 6,578.64 crore (US$1.43 billion) (2010)[1]
Profit 4,843.41 crore (US$1.05 billion) (2010)[1]
Total assets US$ 108.7 billion (2010)[2]
Employees 35,000+ (2009)
Website ICICIBank.com
 ICICI Bank Cards
Credit Cards
Gold Credit Card
Titanium Credit Cards
Corporate Credit Card
VISA Mini Card
ATM/ Debit Cards
Travel Card
Prepaid Card
Reward Points
ICICI Loans
Personal Loan
Home Loans
Home Loan Schemes
Loan Against Property
Car Loans
Two Wheeler Loans
ICICI Prudential
Branches & Offices
Prulife Insurance
Pru Pension Plans
Tax Saving Plans
Mutual Funds
Asset Management
Health Insurance
ICICI Lombard
Branches & Offices
Customer Care
Medical Insurance
Health Insurance
Student Health Insurance
Dental Insurance
Travel Insurance
Overseas Travel Insurance
Home Insurance
Car Insurance
Two Wheeler Insurance
 ICICI Insurance Company
Insurance Policies
ICICI Life Insurance Co.
ICICI Bank
ICICI Online
ICICI Bank UK
ICICI Bank Canada
ATMs
Customer Care
Important Numbers & Codes
ICICI Bank Accounts
Current Account
Savings Account
Demat Account
ICICI Banking Services
Personal Banking
Internet Banking
Corporate Internet Banking
Phone Banking
Mobile Banking
Wealth Management
ICICI Direct
Forex
ICICI NRI Banking Services
NRI Accounts
Remittance Services
Wire Transfer Services
ICICI Money
ICICI Investment Services
Mutual Funds
Tax Saving Solutions
Gold Investments
Online Trading
 Classification of Services
Level-1: Nature of
Organization
category option icici
Purpose(satisfy needs of)  Individual Purpose of satisfy needs of
 Business individual(customer&consumer)
 Both as well as their own(business)
structure  Profit Profit organization
 Non profit
type  Public Public organization
 Private

Level-2: Nature of
Service

category Option icici
Degree of tradability  Embodied Its only a service company,
Service give Embodied Service &
 Pure Service pure service. means come
out new scheme or offer for
customer.
Service directed Towards  Individuals Service directed towards
 Things customer (individuals)

Degree of Merchantability  High High merchantable and fit for

the purpose for which it is sold
 Medium
 Low
 Level-3: Customer
Relationship
category Option icici
Type of Relationship  Formal Maintain formal as well as
 Informal informal relationship
 Both

Degree of Participation  Customer must be ICICI have different types

(DP) present of scheme in many scheme
 Customer must start customer must be present on
and finish the the time or other case
service customer must start & finish
 Customer has to the service.
start the service
 Customer has to
finish the service

Level-4: Nature of Demand

category Option icici
Level of Demand  Demand Exceeds Many times demand is
Capacity more he& exceed capacity
 Demand Does not
exceeds capacity

Degree of Fluctuation  Wide It’s a widely distributed

 Narrow company
 Variable
 No Fluctuation
Level-5: Service package
category Option icici
Number of Services and  One Service Their service starts from
Goods  One Service-One credit cards through home
Good loan & also insurance.
 One Service- Means multiple services-
Multiple Goods multiple goods.
 Multiple Services
 Multiple Services-
One Good
 Multiple Services-
Multiple Goods

Units of Service  Defined by situation Units of service depend on

 Defined by time time & place
 Both

Degree of Equipments base  High High definition technology

 Medium used
 Low

Degree of Customization  High They highly Modified their

scheme of to meet
 Medium
individual requirements
 Low

Degree of Durability  High The degree of durability is

 Medium high.
 Low
 Relative to
Customer
 Cannot be Defined
Level-6: Delivery Method
category Option Icici
Availability of Service  One Site The service is available in
 Multiple Site multiple site

Nature of Delivery  Continuous Constituting a separate

 Discrete entity or also continuous
 Both channel

Type of Consumption  Independent Consumption type is

 Collective collective
 Both

Allocation of Capacity  Reservation

 Order-of-arrival
 Preferential
 Reservation and
order-of-arrival
 Reservation and
Preferential
 Order-of Arrival and
Preferential
 All