PRESENTATION

ON
BANKING SECTOR
Group Name- Strikers
Submitted By-

Ruchee
Vishal Sing
Utkarsh Mishra
Umesh
Shri krishna
Singh

ICICI Bank Limited(NSE:ICICIBANK,BSE:532174,NYSE:IBN)isanIndiandiversifiedfinancialservicescompanyheadquarteredin

ICICI Bank Limited

Type

Private

Traded as

BSE:532174
NSE:ICICIBANK
NYSE:IBN
BSE SENSEX Constituent

Industry

Banking,Financial services

Founded

1955

Headquarters

Mumbai,Maharashtra,India

Area served

Worldwide

Key people

K. V. Kamath
(Chairman)
Chanda Kochhar
(MD & CEO)

Products

Credit cards,Consumer banking,

COMPANY PROFILE
OF
ICICI BANK

Corporate Profile|History

---------------------------------------Corporate Profile
ICICI Bank is India's second-largest bank with total assets of Rs. 4,062.34 billion
(US$ 91 billion) at March 31, 2011 and profit after tax Rs. 51.51 billion (US$ 1,155
million) for the year ended March 31, 2011. The Bank has a network of 2,756
branches and about 9,225 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 specialised 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.

CHAIRMAN OF ICICI BANKMr. K. Vaman Kamath is the Chairman of the Board of Directors of
ICICI Bank Limited.
Mr. Kamath has a degree in mechanical engineering and did his
management studies at the Indian Institute of Management,
Ahemdabad (IIM-A).
He started his career in 1971 at ICICI.

Mr. Kamath was conferred with the Padma Bhushan , one of India's
highest civilian honours , in 2008.

DATA COLLECTIONThe information needed to further proceed inthe project had beencollected
through primary data and secondary data.
SECONDARY DATA
The secondary data consistsof information that already exist some where,
Having been collected for another purpose.
Anyresearcher begins there search work by first goingthrough the
secondary data.
Secondary data includes the information available with the company.
Itmay be thefindings of research previously done in the field.
Secondary data can also be collected from magazines, newspapers, other
surveys conducted by known research agencies etc

PROFIT & LOSS A/C

Total

Mar.12

Mar.11

Mar.10

Mar.09

Ma.r.08

Interest
expended

22,808.50

16,957.15

17,592.57

22,725.93

23,484.24

3,515.28

2,816.93

1,925.79

1,971.70

2,078.90

Selling and
Admin exp.

2,888.22

3,785.13

6,056.48

5,977.72

5,834.95

Dep.

524.53

562.44

619.50

678.60

578.35

Miscellaneo
us exp.

5,248.97

3,809.93

2,780.03

4,098.22

3,533.03

8,843.63

8,594.16

10,221.99

10,795.14

10,855.18

3,333.37

2,380.27

1,159.81

1,931.10

1,170.05

Expenses

Employee
cost

Operating
Exp.
Provision &
Exp

BALANCESHEET
SHEET
BALANCE
Mar.12

Mar.11

Mar.10

Mar.09

Mar.08

1,155.15

1,152.11

1,114.89

1,463.29

1,462.68

Reserves &
Surplus

59,250.09

53,938.82

50,503.48

48,419.73

45,357.53

Debts

395,664.87

335,156.39

296,280.17

285,671.51

310,079.48

Investment
s.

159,560.04

134,685.96

120,892.80

103,058.31

111,454.34

Current

309,472.36

266,803.45

239,294.22

272,441.o3

284,231.84

Current
Liabilities

13,974.99

12,691.89

12,563.22

40,934.58

40,067.37

Share
Capital

Total
Assets

Mar.12

Mar.11

Mar.10

Mar.09

Mar.08

Cash And
Bank

36,229.31

34,090.08

38,873.69

29,966.56

38,041.13

Debtors

0.00

0.00

0.00

0.00

0.00

INTORDUCTION-

COMPANY PROFILE
OF
IDBI BANK

Industrial Development Bank of India (IDBI Bank) is

today one of Indias largest commercial Banks.
The Bank offers personalized banking and financial
.solutions to its clients in the retail and corporate
banking arena through its network of branches and
automated teller machine (ATMs). As on March 31,
2012, the Bank had a network of 973 Branches and
1542 ATMs.
IDBI Bank Limited (the Bank) is an India-based
commercial bank.
The Bank operates in three segments wholesale
banking, retail banking and treasury services. T

financial solutions to its clients across various delivery

channels.
Services
Retail banking: It provides a wide range of products and
services like deposits, loans, NRI services, demat, pension
account, mobile banking, internet banking, investment
schemes such as mutual fund, insurance products, bonds,
debentures etc.
Corporate banking: It provides corporates project
finance, film finance, foreign currency loan, working capital
finance, treasury products, etc
.
Agri business and microfinance: It provides finance to
agri businesses in the form of dairy loans, farm
mechanization loans, financing for fisheries, poultry,
piggery, warehouse receipt finance, etc.
SME:IDBIBankalsooffersproductsandservicestoSMEsector

Subsidiaries of the bank

IDBI Capital Markets
IDBI Intech
IDBI Asset Management

Recognition
IDBIs long term foreign currency debt was given Baa2 rating
Moodys
reflecting strong government ownership and control.
IDBI Bank was assigned BBB rating by Standard's & Poor an
which represents strong market position.
IDBIslong-termbonds,fixeddepositsandshort-termborrowing
areratedbyCRISIL,ICRAandFitch,reflectinghighsafetyin
respecttotimelypaymentofinterestandprincipal.

Board Of Directors

Chairman & Managing

Director
Deputy Managing Director
Director (Govt.)

R M Malla

Independent Director

B K Batra
Sunil Soni
P K Chaudhery
P S Shenoy
Subhash Tuli
S Ravi
Ninad Karpe

Company Secretary

Pawan Agrawal

PROFIT & LOSS A/C

Total

Mar.12

Mar.11

Mar.10

Mar.09

Ma.r.08

Interest
expended

18,825.08

14,271.93

13,005.22

10,305.72

7,364.41

1,160.44

1,026.50

756.99

569.24

384.61

Expenses

Employee
cost
Selling and
Admin exp.

0.00

1,830.00

720.90

504.21

365.50

Dep.

116.06

127.04

90.98

52.70

83.50

Miscellaneo
us exp.

3,388.15

1,798.60

2,009.37

816.93

844.62

2,607.45

3,509.84

2,067.76

1,481.66

1,092.36

2,057.20

1,272.30

1,510.48

461.42

585.87

Operating
Exp.
Provision &
Exp

BALANCESHEET
SHEET
BALANCE
Mar.12

Mar.11

Mar.10

Mar.09

Mar.08

1,278.38

985.55

724.86

724.78

724.76

Reserves &
Surplus

18,149.53

11,686.25

7,502.26

6,719.52

6,075.13

Debts

263,970.20

232,055.44

215,376.56

156,818.05

111,610.53

Investment
s.

83,175.36

68,269.18

73,345.46

50,047.60

32,802.93

Current

204,643.06

182,070.27

157,229.60

119,530.61

95,125.49

Current
Liabilities

7,439.12

4,557.65

6,224.08

4,979.47

9,677.21

Share
Capital

Total
Assets

Mar.12

Mar.11

Mar.10

Mar.09

Mar.08

Cash And
Bank

18,057.65

20,766.07

14,582.84

11,219.32

8,758.77

Debtors

0.00

0.00

0.00

0.00

0.00

COMPARISION BOTH THE

COMPANIES

Mumbai, Dec 22: The retail debt market could

not get more cut-throat. On the eve of the closing
of the ICICI's Rs 600-crore Safety Bonds issue on
December 21 (the day another term lending
institution Industrial Development Bank of India
hit the market with its Rs 1,500-crore debt issue),
an anonymous letter did the rounds in the media
circle speaking of the advantages of investing in
ICICI's issue and the disadvantages involved in
parking funds in the IDBI's Flexibonds V issue.

IDBI officials have accused ICICI of having issued the letter. "It is
amazing how an institution like this could stoop to such low levels," said
an IDBI official who wished not to be quoted. Another official at the term
lending institution said that the letter could only have been issued by a
"well-wisher". ICICI, on its part, has categorically denied having issued
any such letter. "Why would we do such a thing when our issue closed on
the day the IDBI issue opened," asked a spokesperson for ICICI. The
letter, titled "Safety Bonds --Strike The Right Chord," speaks of the
benefits accruing to the retail investor if he invests in ICICI bonds. "The
idea, clearly, is to mislead the retail investor who is not very well
informed," said the IDBI official. The letter states: "Investors tend to
prefer shorter maturity bonds, which give more regular interest payments
and have lower entry barriers. Both issuers offer Regular Income Bond,
but ICICI offers five-year bonds whereas IDBI bonds are of seven-year
tenure; IDBI does not offer monthly interest option and one needs to
invest a minimum of Rs 20,000 in IDBI quarterly interest option
compared with Rs 15,000 in case of ICICI monthly income."

IDBI has clarified that investors still have the

option of exiting after five years and that
payment of interest, if paid on a monthly basis,
would not amount to much. A quarterly payment
of interest would amount to Rs 650 on the
minimum investment, according to the IDBI
official. The returns paid by both ICICI and IDBI
are also comparable, headded.

Under the tax-saving bonds, the ICICI bond, according

to the letter, offering a tax rebate under Sec 88 has a
maturity of three years and three months. Investors can
sell the bond after three years, thereby meeting the
requirement of minimum lock-in period of three years
for Sec 88 benefits. At the same time, tax on income
from bond would be payable at a lower rate of 20 per
cent as the difference between sales consideration and
purchase price is treated as capital gains tax and not
interest income. The IDBI infrastructure bond has a
cumulative option offering Sec 88 benefit but the tenure
is just three years. The investor cannot get the full
benefit of the structure and avail the Sec 88 benefit at
the same time.

, thereby meeting the requirement of minimum lock-in period of

three years for Sec 88 benefits. At the same time, tax on income
from bond would be payable at a lower rate of 20 per cent as the
difference between sales consideration and purchase price is
treated as capital gains tax and not interest income. The IDBI
infrastructure bond has a cumulative option offering Sec 88 benefit
but the tenure is just three years. The investor cannot get the full
benefit of the structure and avail the Sec 88 benefit at the same
time.
The letter goes on to say that while both the ICICI and IDBI bonds
are listed on the Bombay Stock Exchange and the National Stock
Exchange, ICICI gives buy and sell quotes for its bonds on the NSE
to enable investors to exit out of their bonds at market-related
prices, in case they needto. Although IDBI bonds are also listed,
IDBI does not offer two-way quotes and hence, trading is infrequent
and investors may not be able to exit at fair prices at all times.

"The premise of this letter is that the other issuer is

more investor friendly," the IDBI official said. "However,
they have failed to inform the investor that the bond
issue is in the nature of subordinate debt. Ideally,
subordinate debt offers a higher coupon rate than senior
debt, which has not been the case with the ICICI issue.
The IDBI issue is in the nature of senior debt," said the
official. ICICI officials have called attention to page 3 of
the prospectus which clearly states that certain bonds
under the issue are in the nature of subordinated debt.
With banks already having taken informal decisions not
to invest in the bond issues of financial institutions,
accessing the market for funds is expected to become
increasingly difficult for the institutions.

BIBLIOGHRAPHY:
Money control.com

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