project of icici bank

8/15/2019 Project of Icici Bank

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TABLE OF CONTENTS

♦ Preface

♦ Acknowledgement

♦ Certicate♦ Declaration by te Candidate

TOPIC NAME PAGE NO.

CHAPTER – 1 INTRODUCTION

(A) COMPANY PROFILE

(B) HISTORY

(C) KEY PERONS

CHAPTER – 2 OBJECTIVE

CHAPTER – 3 RESEARCH METHODOLOGY

(A) TYPE OF RESEARCH

(B) SOURCE OF RESEARCH

CHAPTER – 4 PRODUCT & SERVICE DETAILS

CHAPTER – 5 WORKING CAPITAL MANAGEMENT

CHAPTER – 6 DATA ANALYSIS AND INTERPRETATION

CHAPTER – 7 SWOT ANALYSIS

CHAPTER – 8 LIMITATION

CHAPTER – 9 SUGGESTION AND CONCLUSION

CHAPTER – 10 BIBLIOGRAPHY

CHAPTER – 11 QUESTIONNAIRE

INTRODUCTION:

1



A2er the last few years, the ICICI Bank has taken rapid strides in de2eloping new b0sinesses

in line with its proposition to offer complete financial ser2ices to both corporate and retail

c0stomers.

ith the recent addition of ins0rance, the proposition of ICICI Bank is now f0lfilled. ;oing

forward, the challenge for ICICI will be to contin0e inno2ating to impro2e market shares and

maintain its competiti2e edge. In this endea2o0r, ICICI will contin0e to benchmark with

global best practices to ens0re optim0m 0tiliation of its reso0rces and the finest epos0re to

its work force. /he speed with which it has been able to transform the organiation and

s0ccessf0lly start so many new b0sinesses is almost sing0larly owing to the skills, enterprise

and the depth of its h0man reso0rces.

ICICI Bank is committed to enriching this 2al0able reso0rce which in t0rn, will allow it to

bring inno2ati2e practices to the world of financial ser2ices in India. ith technology playing

the key role mainly.

/he 2ision is to de2elop ICICI Bank into an organiation that is empowered by bright and

talented indi2id0als, working in teams and riding on the backbone of world class technology.

3



HISTORY

/he ICICI Bank was originally promoted in by ICICI 5imited, an Indian financial

instit0tion, and was its wholly owned s0bsidiary. ICICI's shareholding in ICICI Bank was

red0ced to DE thro0gh a p0blic offering of shares in India in fiscal year , an e<0ity

offering in the form of 17Rs listed on the =>%9 in fiscal year +(((, ICICI Bank's

ac<0isition of Bank of *ad0ra 5imited in an all-stock amalgamation in fiscal year +((, and

secondary market sales by ICICI to instit0tional in2estors in fiscal year +(( and fiscal year

+((+. ICICI was formed in year "" at the initiati2e of the orld Bank, the ;o2ernment of

India and representati2es of Indian ind0stry. /he principal obFecti2e was to create a

de2elopment financial instit0tion for pro2iding the medi0m-term and long-term proFect

financing to Indian b0sinesses. In the (s, the ICICI transformed its b0siness from a

de2elopment financial instit0tion offering only single proFect finance to a di2ersified financial

ser2ices gro0p offering a wide 2ariety of prod0cts and ser2ices, both directly and thro0gh a

n0mber of s0bsidiaries and affiliates like ICICI Bank. In , the ICICI become the first

Indian company and the first bank or financial instit0tion from non-Gapan 1sia to be listed on

the =ew >ork %tock 9change #=>%9).

1fter consideration of 2ario0s corporate str0ct0ring alternati2es in the contet of the

emerging competiti2e scenario in the Indian banking ind0stry, and the mo2e towards

0ni2ersal banking scenario, the managements of the ICICI and ICICI Bank formed the 2iew

that the merger of ICICI with ICICI Bank wo0ld be the optimal strategic alternati2e for both

of the entities, and wo0ld create the optimal legal str0ct0re for the ICICI gro0p's 0ni2ersal

banking strategy. /he merger wo0ld enhance 2al0e for the ICICI shareholders thro0gh the

merged entity's access to low-cost deposits, m0ch greater opport0nities for earning fee-based

income and the ability to participate in the payments system and pro2ide transaction-banking

ser2ices. /he merger wo0ld enhance 2al0e for the ICICI Bank shareholders thro0gh a large

capital base and scale of operations, seamless access to ICICI's strong corporate relationships

b0ilt 0p o2er fi2e decades, entry into new b0siness segments, higher market share in 2ario0s

b0siness segments, partic0larly fee-based ser2ices, and access to the 2ast talent pool of the

ICICI and its n0mber of s0bsidiaries. In Actober +((, the Boards of 7irectors of the ICICI

and ICICI Bank appro2ed the merger of ICICI and two of its wholly owned retail finance

s0bsidiaries, the ICICI Personal 8inancial %er2ices 5imited and the ICICI Capital %er2ices

5imited, with the ICICI Bank. /he merger was appro2ed by shareholders of the ICICI and



ICICI Bank in Gan0ary +((+, by the 4igh Co0rt of ;0Farat at 1hmadabad in *arch +((+, and

by the 4igh Co0rt of G0dicat0re at *0mbai and the Reser2e Bank of India in 1pril +((+.

Conse<0ent to the merger, the ICICI gro0p's financing and banking operations, both the

wholesale and retail, ha2e been integrated in a single i.e. the ICICI Bank.

!



KEY PERONS

M"# K# V# K$%$' C'$"%$* ICICIB$*+ L%,-

Mr. K. V. Kamath

Chairman, ICICI Bank Limited

.



Objective of the Studies

• /o now abo0t the ICICI B1= .

• /o now abo0t the %A/ 1nalysis

• /o now abo0t the orking Capital *anagem

• /o st0dy 2ario0s Prod0cts of ICICI B1=.

/



RESEARCH METHODOO!Y

1ccording to ;reen and /all H1 research design is the specification of the methods and

proced0res for ac<0iring the information needed. It is the o2erall operational pattern or

framework of the proFect that stip0lates which information is to be collected, from where it is

to be collected and by what proced0res

/his research process based on primary data analysis and secondary data analysis will be

clearly defined to meet the obFecti2es of the st0dy.

I chose the primary so0rces to get the data. 1 <0estionnaire was designed in accordance with

o0r mentor in ICICI B1= . I chose a sample of abo0t " corporate c0stomers aro0nd the

%agar City from which I can get the instant information of whose analysis will gi2e me the

desired o0tcome of my research proFect.

I collected some data from the secondary so0rces like p0blished Company doc0ments,

internet etc.

Research Design

H1 research design is the arrangement of conditions for collections and analysis of data in amanner that aims to combine rele2ance to the research p0rpose with economy in proced0res.

It is a descripti2e cross sectional design .It is the concept0al str0ct0re with in which research

is cond0ctedJ it constit0tes the bl0eprint for the collection, meas0rement and analysis of data.

It is needed beca0se it facilitates the smooth sailing of the 2ario0s research operations,

thereby making research as efficient as possible yielding maimal information with minimal

ependit0re of effort, time and money.

In the preliminary stage, my research stage constit0ted of eploratory st0dy by which it is

clear that the eistence of the problem is ob2io0s .%o, I can directly head for the concl0si2e

research.

Sampling Plan

H%ampling plan is a distinct phase of research process. In this stage I ha2e to determine who

is to be sampled, how large sho0ld be the needed sample and how sampling 0nit is to be

selected.

0



Population

In my research, I ha2e defined my pop0lation as a complete set of c0stomers of %agar City

Sample Survey

1s compared to cens0s st0dy, a sample st0dy has been cond0cted by 0s beca0se of@

ide range of pop0lation, it was impossible to co2er the whole pop0lation

/ime and money constraints.

Sample Unit

In this s0r2ey I took the list of c0stomers from the dealers of ICICI B1= in %agar City.

Sampling Technique

%ampling techni<0e implies the method of choosing the sample items, the two methods of

selecting sample are@

Probability method.

Non-probability method.

HProbability method is those in which e2ery item of the 0ni2erse has an e<0al chance of the

incl0sion in the sample. H=on-probability methods are those that do not pro2ide e2ery item

in the 0ni2erse with known ca0se of being incl0ded in the sample. /he selection process is

partially s0bFecti2e.

8or my st0dy, I employed the =on-probability sampling techni<0e, in which I got the data of

the c0stomers from the dealer of ICICI B1= in %agar City Instr0ment of collection of data

I ha2e 0sed one set of <0estionnaire to collect data from the c0stomers. /his <0estionnaire is

str0ct0red and highly ordered. /his incl0des both close ended and open ended <0estions. /he

close ended <0estions incl0ded both dichotomo0s and m0ltiple choice <0estions.

7ata analysis and interpretations

5arge 2ol0mes of raw data were collected thro0gh <0estionnaires in my research st0dy. /his

raw data has been f0rther con2erted into significant statistical information before f0rther

interpretation so that I can answer my research obFecti2e well.



PRODUCT AND SER"ICE DETAIS

Prod0ct Afferings@

1



DEPS!TS

ICICI Bank offers wide 2ariety of 7eposit Prod0cts to s0it the re<0irements of the c0stomers.

Con2enience of networked branchesK 1/*s and facility of 9-channels like Internet and

*obile Banking.

%a2ings 1cco0nt @ 1 %a2ings 1cco0nt for e2eryone with a host of con2enient feat0res and

banking channels to transact thro0gh. %o now people can bank at their con2enience, witho0t

the stress of waiting in <0e0es. ICICI ser2ice sa2ings acco0nts with to banking and Lo0t

of branch: banking.

"i#e Plus Senior $iti%ens Savings &ccount '

ICICI Bank 0nderstand that a %a2ings 1cco0nt needs to do more after people reach the age of

seniorityJ the bank 0nderstand c0stomers concerns for safety and sec0rity. /he bank has an

ideal %a2ings Bank %er2ice for those who are D( years and abo2e. /he %enior Citien

%er2ices from ICICI Bank has se2eral ad2antages that are tailored to bring more con2enience

and enFoyment in their life.

(oung Stars Savings &ccount '

It's really important to help children learn the 2al0e of finances and money management at an

early age. Banking is a serio0s b0siness, b0t ICICI make banking a pleas0re and at the same

time f0n. Children learn how to manage their personal finances.

)i*ed Deposits '

ICICI pro2ides %afety, 8leibility, 5i<0idity and Ret0rns in the case of fied deposits.

1 combination of 0nbeatable feat0res of the 8ied 7eposit from ICICI Bank.

Recurring Deposits

hen epenses are high, people may not ha2e ade<0ate f0nds to make big in2estments. 1n

ICICI Bank Rec0rring 7eposit lets the c0stomers in2est small amo0nts of money e2ery

month that ends 0p with a large sa2ing on mat0rity. %o the c0stomers enFoy twin ad2antages-

affordability and higher earnings.

Easy Receive Savings &ccount '

11

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9asy recei2e acco0nt is a 0ni<0e sa2ings acco0nt that caters to domestic banking needs, while

offering additional benefits for remittances recei2ed in the acco0nt from abroad.

5oans@ ICICI Bank offers wide 2ariety of 5oans Prod0cts to s0it yo0r re<0irements. Co0pled

with con2enience of networked branchesK 1/*s and facility of 9-channels like Internet and

*obile Banking, ICICI Bank brings banking at c0stomer:s doorstep.

4ome 5oans@

/he =o. 4ome 5oans Pro2ider in the co0ntry, ICICI Bank 4ome 5oans offers some

0nbeatable benefits to its c0stomers - 7oorstep %er2ice, %implified 7oc0mentation and

;0idance thro0gho0t the Process.

Personal "oans'

If c0stomers wants personal loan that's easy to get with the help of ICICI Bank. ICICI Bank

Personal 5oans are easy to get and absol0tely hassle free. ith minim0m doc0mentation

people can now sec0re a loan for an amo0nt 0p to Rs. " lakhs.

$ar "oans'

ICICI Bank is the =o. financier for car loans in the co0ntry. It has network of more than

+"(( channel partners in o2er ((( locations. It has tie-0ps with all leading a0tomobile

man0fact0rers to ens0re the best deals. 1 n0mber of fleible schemes M <0ick processing are

a2ailable. 4assle-free application process is a2ailable on the click of a mo0se.

$ommercial +ehicle "oans'

Range of ser2ices on eisting loans M etended prod0cts like f0nding of new 2ehicles,

refinance on 0sed 2ehicles, balance transfer on high cost loans, top 0p on eisting loans,

etend prod0ct, working capital loans M other banking prod0cts.

T,o heeler "oans

C0stomers can a2ail attracti2e schemes at competiti2e interest rates from the =o 8inancier

for /wo heeler 5oans in the co0ntry. /here is finance facility 0p to (E of the An Road

Cost of the 2ehicle, repayable in con2enient repayment options and comfortable tenors from

D months to 3D months.

)arm Equipment "oans'

12

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http://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htm




C0rrent 1cco0nt@

Roaming C0rrent 1cco0nt@

ith the Roaming C0rrent 1cco0nt #RC1), c0stomers can enFoy the con2enience of 1nytime

1nywhere banking. /hey can operate their RC1 from any ICICI Bank branch in any city.

RC1 offers a wide range of 2ariants that incl0de@

N %tandard

N Classic

N Premi0m

N ;old

N ;old Pl0sN Platin0m

/hese 2ariants are based on committed 60arterly 12erage Balance with differential charges

applicable to each 2ariant. C0stomers can choose the 2ariant most s0itable for their b0siness

re<0irements. /hey e2en ha2e the fleibility of changing their c0rrent acco0nt 2ariant e2ery

<0arter based on their changing b0siness needs. It also offers the facilities of International

B0siness Banking 7ebit Card, Internet Banking, Phone Banking, 9-mail Banking M *obile

Banking.

1cco0nts for b0sinesses, big and small

1



/he b0siness needs and re<0irements are 0ni<0e. /his is why c0stomer:s acco0nt sho0ld be

0ni<0e too. ICICI Bank offers people a range of RC1s to meet 2arying banking re<0irements.

1cco0nt 60arterly 12erageBalance Re<0irement

%tandard Rs.(,(((

Classic Rs.+",(((

Premi0m Rs."(,(((

;old Rs.,((,(((

;old Pl0s Rs.3,((,(((

Platin0m Rs.",((,(((

&ny,here cheque1 national reaches'

Iss0e a che<0e from c0stomer:s place of b0siness. /he s0ppliers can encash it at o2er +

centres all o2er India. hen the che<0e is Olocal' e2erywhere, the b0siness goes national

Bank anytime anywhere.

C0stomer:s always had one bank branch. =ow e2ery ICICI Bank branch becomes people:s

branch. 92ery branch manager is the personal manager. People can get personal attention

where2er their b0siness takes them.

etter cash #lo,s.

ICICI ask the c0stomer:s to deposit the che<0es at the nearest ICICI Bank Branch, and they

will see to it that the che<0e reflects in c0stomer:s acco0nt fast. /he bank helps c0stomer:s

money work harder for them.

an2ing on call.

Banking has ne2er been so con2enient before. =ow c0stomers can 0se the phone to make

Balance 9n<0iries, Re<0est for a Che<0e Book, %top Payment and more.

Corporate Internet Banking.

C0stomers can do all the banking they want witho0t getting 0p from their chair. ith ICICI

Bank's Internet Banking c0stomers can access their acco0nt from where2er they are, by

1!



logging in to their acco0nt at www.icicibank.com. /he c0stomers can check their balance,

pay their bills, transfer f0nds or e2en pay their taes sitting at their desk.

Card Power.

8or c0stomer:s con2enience, ICICI Bank's RC1 comes with a powerf0l 7ebitK1/* card that

allows the c0stomers to deposit and withdraw cash at o2er +((( ICICI Bank 1/*s, pl0s o2er

(,((( ?I%1 1/*s. /he c0stomers can also check their balance, 2iew mini acco0nt

statement, and transacts at 2ario0s (,((( merchant establishments across the co0ntry.

*obile Banking.

=ow the entire c0stomer:s need to keep in to0ch with their acco0nt thro0gh their mobile.

%ign 0p for alerts on daily balance, che<0e clearing alerts or bo0nced che<0e alerts

Card-to-Card /ransfer

/ransfer f0nds for free from the c0stomer:s eisting ICICI Bank acco0nt to any ?isa Card

#debit or credit) in India. /hey can e2en pay their ?isa credit card bill thro0gh this facility

a2ailable on www.icicibank.com

8ree daily email statement

C0stomers can get a daily email detailing yo0r their ICICI Bank c0rrent acco0nt transactions

and balance. %0b scribal to this ser2ice is free.

usiness "oans'

*oney, F0st when c0stomer needs it

1s a growing entreprene0r, ICICI know how 2al0able time is for people. People are

constantly thinking of growth and managing their b0siness. 1t ICICI Bank, they think of thesame when it comes to c0stomer:s b0siness. ICICI:s %mart B0siness 5oan is the easy access

to money. C0stomers can get 0p to Rs. +" lacks as an A2erdraft or a B0siness Instalment

5oan with no collaterals and faster t0rnaro0nd time.

verdra#t'

9asy 1ccess *oney

orking capital as A2erdraft facility

?alidity of + months

1.

http://www.icicibank.com/

http://www.icicibank.com/



Interest to be le2ied on the amo0nt 0tilied

9nFoy the fleibility to pay a minim0m amo0nt e2ery month

Interest Rate #IB1R Q Cash Credit Premia Q +.!"E )

Processing 8ees of +."E

usiness !nstalment "oan'

%eie growth opport0nities

Credit facility in the form of /erm 5oan K B0siness Instalment 5oan

Payment in the form of e<0ated monthly instalments

Repayment ten0re of +-3D months

Plan and control yo0r cash flows--

Interest Rate #IB1R Q /erm Premia Q 3."E)

Processing 8ees of +."E

&dvantages'

8aster loan sanctions with minim0m doc0mentation

Ane stop sol0tion with a bo0<0et of prod0cts

1ttracti2e rate of interest

60ery resol0tion at local branches

ther bene#its'

8acility to deposit cash in the c0rrent acco0nt

Anline repayment facility

12ailability of local che<0es

8leibility to open acco0nts at local branches

1/



#ORKIN! CAPITA MANA!EMENT

or2ing $apital )inance'

*anaging finance is arg0ably the most important component of any b0siness. /wo key

b0siness needs are access to f0nds at red0ced, more competiti2e rates and managing the

balance sheet as effecti2ely as possible.

ICICI Bank has a team of eperienced c0stomer-foc0sed relationship managers with wide

sector eperience who can offer c0stomers working capital finance by way of cash

creditKworking capital demand loans s0itably str0ct0red to their needs and their risk profile.

=on f0nd based facilities s0ch as bank g0arantees and 5etter of Credit are also offered at

competiti2e rates. /he bank also facilitates working capital finance with other prod0cts s0ch

as trade finance, fore, deri2ati2es and cash management.

##ice Equipment "oans'

/echnological empowerment is an important and critical factor for the growth of small and

medi0m enterprises #%*9). %*9s need to in2est in sophisticated and state of the art office

e<0ipment to increase prod0cti2ity and efficiency. Considering these 2aried re<0irements of

o0r %*9 c0stomers, the bank ha2e created ICICI Bank's Affice 9<0ipment 8inancing

prod0ct as a con2enient and hassle-free way to proc0re the e<0ipment they need. /he

simplified proced0res and minim0m doc0mentation ens0res fast and easy f0nds.

• Affice e<0ipment financing prod0ct feat0res incl0de@

• 5oan amo0nt #minim0m) is Rs 3(((( onwards.

• 5oan to 2al0e #5/?) is 0p to (E of in2oice 2al0e.

• /en0re of + to 3D months

• 9<0ipment to be hypothecated to ICICI Bank till the time loan is repaid.

• 8leible repayment option thro0gh post dated che<0es and a0to debit mandate.

• 7oor step ser2ice.

• Competiti2e rates.

• Affice 9<0ipment 5oans are a2ailable to@

• Proprietors

• Partnership 8irms

• Companies

10



• /r0st M %ocieties

• ICICI pro2ide loan for almost all office e<0ipment incl0ding@

• I/ prod0cts like personal comp0ters, laptops, ser2ers, switches.

• Copiers, scanners and m0lti f0nctional de2ices.

• Printers #digital, low and high-end, wide format printers), plotters.

• ;ensets, in2erters, $P%.

• Colo0r labs.

• 1ir conditioners, plasmas, proFectors, 9P1BS

Trade'

"etter o# credit'

/he companies c0stomers do b0siness with 0ndo0btedly ha2e impeccable credentials. B0t

why to take a chance. ICICI Bank:s 5etter of Credit facility arms clients with a g0arantee of

payment, especially 0sef0l while transacting with companies who they ha2e had limited

epos0re to in the past.

1 5etter of Credit is a letter from ICICI Bank g0aranteeing that a b0yer's payment to a seller

will be recei2ed on time and for the correct amo0nt. /his g0arantee of payment helps clientsto transact with companies with whom they ha2e had limited interaction and are 0ns0re of

their credit history.

ICICI Bank offers two types of 5Cs, %ight and $sance 5Cs, both inland and foreign. /he

bank:s 5Cs get sanctioned and iss0ed <0ickly, and are competiti2ely priced.

1 sight 5C is a letter of credit that is payable immediately on presentation along with the

necessary doc0ments.

1 0sance 5C is a letter of credit that is payable after acceptance of presented doc0ments and

at a specified f0t0re date.

1n ICICI Bank 5etter of Credit offers following@

1 limit per client of 0p to Rs. crore #5imit for 0sance 5K- Rs."( 5akhs).

Period of 0p to ( days

%ec0rity re<0irement.

+"E-3"E cash margin.

((E collateral sec0rity in the form of residential.

1



8irst charge on c0rrent assets.

1ssessment based on a parameterised model

an2 3uarantee'

A0r Bank ;0arantees are competiti2ely priced with few re<0irements like cash margin and

collateral sec0rity, and will be made a2ailable to c0stomers in the shortest possible time.

/here is an 0pper limit of 0p to Rs. crore with a tenor of g0arantee of 0p to months, and

sec0rity re<0irement of +"E cash margin and ((E collateral sec0rity in the form of

residential property or li<0id sec0rities.

ICICI Bank also iss0es Bank ;0arantees in foreign c0rrency on behalf of o0r eporters for

appro2ed p0rposes as defined 0nder 89*1, s0bFect to a2ailability of credit limits or against

((E cash margin.

Services'

ICICI Bank offers prod0cts and ser2ices tailored to meet c0stomer:s ind0stry's 0ni<0e needs.

40 &utomotive'

/he a0tomoti2e sector in India is booming as Indians take to cars and two-wheelers like

ne2er before. /he world:s biggest brands are already here, with many more to follow. India is

also fast becoming an important man0fact0ring h0b for the maFor players in the world. /heir

A9* s0ppliers are also following in their footsteps to set 0p base in India.

Recognising the 0ni<0e needs of a0tomoti2e M a0to component man0fact0rers, ICICI Bank

has set 0p a team of a0tomoti2e specialists who can tailor-make a sol0tion that s0its

c0stomer:s b0siness.

/he bank:s long-term relationships with leading a0to-man0fact0rers ens0re c0stomers get the

<0ickest t0rnaro0nd times possible, with the network of more than o2er D(( branches and

(( 1/*s gi2ing them +K! accessibility. 1 single-window access to all the banking

sol0tions c0stomers may need ens0res <0ick appro2als and minimal paperwork. ICICI:s

modern approach to b0siness banking backed by their s0perior technology helps pro2ide

swift anytime, anywhere banking ser2ices 2ia o0r branchK1/* network, phone, mobile andInternet.

ith a Relationship *anager always at c0stomer:s beck and call, there will be nothing to

stop c0stomer:s b0siness from speeding ahead.

50 $onstruction'

/he Indian economy is growing at a rapid pace. Predictably, the constr0ction sector estimated

at Rs. 3, ((,((( crores is booming as well, be it infrastr0ct0re or commercial retail and

residential space. 1n o0tlay of o2er Rs. , ((,((( crores is proFected o2er the net ( years.

2



ICICI Bank has p0lled o0t all stops to ens0re c0stomers get all the financial s0pport they need

to take ad2antage of the opport0nities and face the 0ni<0e challenges in this sector. /he

bank:s in-ho0se constr0ction ind0stry specialists will c0stomie end-to-end sol0tions for

c0stomer:s right from the bidding process and implementation of the proFect thro0gh to the

defect liability period. /hese range from Performance M 8inancial ;0arantees to term loansfor 9<0ipment 8inancing M working capital facilities to b0y raw materials.

ICICI:s modern approach to b0siness banking backed by o0r s0perior technology helps

pro2ide swift anytime, anywhere banking ser2ices 2ia the branchK1/* network, phone,

mobile and Internet. hether c0stomers are a small contractor stri2ing to grow, or an

established player seeking to grow globally, ICICI Bank pro2ides the fo0ndation to grow

their b0siness.

/0 Pharmaceuticals'

hether it's the challenges of %ched0le * or awareness of best practices, nobody0nderstands the f0ndamental iss0es of the pharma b0siness better than c0stomers. 9cept,

perhaps, ICICI Bank.

Recognising the need to stay abreast of the latest de2elopments in this rapidly e2ol2ing

sector, the bank:s team of pharma specialists bring to the table F0st the epertise c0stomer:s

b0siness needs. hether c0stomers are in2ol2ed with form0lations or 1PIs T for local or

global markets, what c0stomers get is a potent mit0re of ind0stry 0nderstanding backed by

working capital facilities, fore ser2ices and special lending programs c0stomised for yo0.

It is a platform to pro2ide 2al0e to the pharmace0tical man0fact0ring c0stomers of ICICIBank thro0gh foc0s, inno2ation and sharing. /he bank:s modern approach to b0siness

banking backed by their s0perior technology helps pro2ide swift anytime, anywhere banking

ser2ices 2ia their branchK1/* network, phone, mobile and Internet.

60 &pparels'

/he eport <0ota regime has been dismantled 0shering in an era of open competition. China

may be the leader by far in terms of sheer 2ol0me. B0t there are plenty of 2al0e opport0nities

both as a mass man0fact0rer and as a leading player in the 2al0e-added premi0m segments.

*any Indian s0ppliers are already moderniing and di2ersifying their operations to meet press0res of scale and speed of deli2ery.

/he Indian domestic market too is witnessing a h0ge transformation and growth in organied

retail space across malls, departmental stores and premi0m bo0ti<0es. C0stomers are brand-

h0ngry and ready to pay premi0ms to make lifestyle and personal statements. =ew players

are emerging in regional and national markets.

ICICI Bank is geared to meet c0stomers: re<0irements in the apparel sector thro0gh strong

sol0tions for all their needs@

21



/erm loans in r0pee and foreign c0rrency with /$8% benefits for financing of epansion and

modernisation plans.

Competiti2ely priced working capital and other prod0cts #incl0ding eport finance in foreign

c0rrency) in order to optimise costs of lending.

%ophisticated deri2ati2e prod0ct deli2ered in a simplified and con2enient manner as a so0rce

of hedging and optimising profits.

8inally, ICICI Bank has c0t down appro2al time by standardising the assessment process

thro0gh 0se of scoring models.

70 Transport'

Indian road transport ind0stry is witnessing a sea-change. Infrastr0ct0re in2estments in

highways and ports, entry of professional 'o0tso0rced' logistics ser2ice companies in the

corporate sector, introd0ction of tracking technology, better <0ality and more choice of

2ehicles - all this is opening 0p new opport0nities and challenges.

/he growth of domestic to0rism and migration is leading to increase in tra2el while the

growth of connecti2ity is creating new paths of commerce and b0siness.

ICICI Bank offers those in the transport b0siness a host of ad2antages. 8rom faster sanction

d0e to parameters-based approach, to interest cost sa2ings according to 0sage. 1 Relationship

*anager is the single point contact for all c0stomers needs.

ICICI Bank's Roaming C0rrent 1cco0nt makes a powerf0l difference to c0stomer:s b0siness.Bank and withdraw money in any branch or 1/* across the co0ntry. Bank anytime from

a.m. to p.m. at any of the branches. It helps in transferring f0nds witho0t a che<0e or a 77,

thro0gh a phone call or thro0gh Internet Banking. It 0ses the cash management ser2ices for

collections and payments across the co0ntry.

80 3ems 9 :e,ellery'

/he ;ems M Gewellery ind0stry in India is witnessing downstream integration into the retail

space, alliance marketing with end c0stomers in the eport arena, and o2erall dynamic

growth in domestic and international markets, across the B+B and B+C space.

ICICI Bank has been ser2ing firms in gems and Fewellery sector with comprehensi2e ser2ices

and in-depth epertise.

ICICI ha2e a range of credit facilities and deri2ati2e prod0cts at competiti2e rates. /he bank:s

;ems and Gewellery eperts know eactly the c0stomer:s b0siness needs. Ar, if it's

con2enience c0stomer:s re<0ire, bank:s 2ast network of branches and 1/*s are F0st the thing

for the c0stomers. 1dditionally, ICICI Bank's international eperience and epertise in the

global Fewellery trade gi2es c0stomers the most complete fore prod0cts and ad2isory

ser2ices yo0 need to stay ahead of competition.

22



;0 Travel 9 Tourism'

ICICI Bank:s ind0stry-specific sol0tions help c0stomer le2erage e2ery opport0nity for growth

and maimie their profits. Bank:s team of ind0stry eperts c0stomies sol0tions designed to

fit c0stomer:s 0ni<0e b0siness re<0irements. C0stomer:s le2erage the Lanytime anywhere:

b0siness banking ad2antage to manage their finances efficiently and easily. ith the national

reach and global network, the bank can now take the b0siness places.

!ndustry solutions

80nding sol0tions for 4otels, /ra2el M /o0rism sector@ ICICI pro2ide proFect finance in theform of term loans or working capital against card recei2ables. Rapid /ra2ellers Che<0e

Program@ /he bank p0rchase /C's from *oney Changers on prefied transaction

epos0reK2ol0me. %pecial 8oreign C0rrency /o0r Aperators 1cco0nt@ /he bank handle

collections of foreign c0rrency and remittances from the o0tbo0nd to0r operators and inward

remittances, for hotels and to0r reser2ation made abroad. 7eri2ati2es for Risk *itigation@

ICICI help c0stomers hedge the foreign c0rrency inward remittances and local c0rrency

o0tward remittances thro0gh o0r fore ser2ices.

ICICI:s c0stomers incl0de

4otels

12iation /raining Instit0tes

*oney Changers

/o0r Aperators

/icketing 1gents Consolidators

/ra2el ?ocational /raining Instit0tes

/ra2el Portals

) 9d0cational Instit0tions@

hether the c0stomer:s companies are go2t. aided or pri2ately managed, in primary,

secondary or higher ed0cation, they need a bank that 0nderstands yo0r special needs.

Be it long-term loans for infrastr0ct0re epansion or cash credit, ICICI Bank works with

accredited M recognied ed0cational instit0tions all o2er India, and offers the clients some of

the best options for growth and epansions.

23



79*1/ %9R?IC9%@

7emat %er2ices

ICICI Bank 7emat %er2ices boasts of an e2er-growing c0stomer base of o2er ." lacs

acco0nt holders. In ICICI:s contin0o0s endea2o0r to offer best of the class ser2ices to the

c0stomers the bank offer the following feat0res@

e-Instr0ctions@ C0stomers can transfer sec0rities + ho0rs a day, ! days a week thro0gh

Internet M Interacti2e ?oice Response #I?R) at a lower cost. =ow with U%peak to transferU,

c0stomer can also transfer or pledge instr0ctions thro0gh o0r c0stomer care officer.

Consolidation 7emat 1cco0nt@ C0stomers can dematerialise the physical shares in 2ario0sholding patterns and consolidate all s0ch scattered holdings into the primary demat acco0nt at

red0ced cost.

7igitally %igned %tatement@ C0stomers can recei2e the acco0nt statement and bill by email.

Corporate Benefit /racking@ C0stomers can track the di2idend, interest, bon0s thro0gh the

acco0nt statement.

*obile Re<0est@ C0stomers can access the demat acco0nt by sending %*% to en<0ire abo0t

4oldings, /ransactions, Bill M I%I= details.

*obile 1lerts@ C0stomers can recei2e %*% alerts for all debitsKcredits as well as for any

re<0est which cannot be processed.

7edicated c0stomer care eec0ti2es specially trained at the bank:s call centre, to handle all

their <0eries.

Co0ntrywide network of o2er +3" branches, c0stomers are ne2er far from an ICICI Bank

7emat %er2ices o0tlet.

Professional *anagement

7i2ersification

Con2enient 1dministration

Ret0rn Potential

5ow Costs

5i<0idity

/ransparency

2



8leibility

Choice of schemes

which are kept in mind while b0ilding their portfolio.

2!



DATA ANAYSIS AND INTERPRETATION

6) 4ow wo0ld yo0 like to in2est yo0r sa2ingsV

70ring the s0r2ey it was fo0nd o0t that the +E of the c0stomers are interested in Real 9state

as it has a l0crati2e market these days and 3! E in *0t0al 80nds. Anly few of the c0stomers

were interested in 8.7., 7irect 9<0ity and ;old in2estments.

2.



63) what are the maFor threats in in2esting money in m0t0al f0nds or direct e<0ityV

/he maFor threats according to +E c0stomers are Capital loss and according to + E 5ow

Ret0rns. C0stomers mainly do not in2est their money beca0se of these two threats. Rest E

and +E c0stomers think that less epertise M stock collection are maFor threats.

20



6) which in2estment style do yo0 prefer mostV

70ring the s0r2ey it was fo0nd that !E of the c0stomers prefer ;rowth kind of in2estment

style and E of the c0stomers prefer ?al0e kind of in2estment style. Anly +E of the

c0stomers prefer others.

2



6") hat do yo0 epect from yo0r in2estment in 2ario0s portfoliosV

+E of the c0stomers epect %0perior ret0rns from their in2estments. %0ch c0stomers want

their ret0rns to be more M more. E epect principal protection as they do not want to loose

their principal amo0nt, DE prefer ealth creation and only +E prefer store of 2al0e.

3



S#OT ANAYSIS

STREN!H O$ THE COMPANY

. ;ood /raining %ystem.

+. ;ood Arganiational Climate.

3. 4igh *arket %hare

. %killed 9mployees

". %trong 80nctional %tr0ct0re

D. %tandard 60ality Prod0ct

#EAKNESS O$ THE COMPANY

. 5ow margin

+. 4igh price

3. %ales representati2es are less

. /here is no proper mechanism to handle the grie2ance of the c0stomers

OPPORTUNITIES $OR THE COMPANY

. 70e to liberaliation, demand for hea2y 2ehicle has stepped 0p all o2er the globe.

+. =ational market thro0gh good ad2ertisement.

3. Company pro2ides better credit facility to dealers.

. Company introd0ces promotional programmes

THREATS $ACED %Y THE COMPANY

. 4igh completion

+. 5iberal credit policy of other brand

3. Promotional programmes of other brand

. Complicated national market

". ;ood replacement facility if other brands.

WX

33



IMITATIONS O$ THE STUDY

8ollowing limitations were enco0ntered while preparing this proFect@

i&ited d't': ( /his proFect has completed with ann0al reportsJ it F0st constit0tes one

part of 7ata collection i.e. %econdary. /here were limitations for primary data

Collection beca0se of confidentiality.

i&ited )e*iod: ( /his proFect is based on fi2e year ann0al reports. Concl0sions and

Recommendations are based on s0ch limited data. /he trend of last fi2e year may or

may not reflect the real working capital position of the company.

i&ited '*e': ( 1lso it was diffic0lt to collect the data regarding the competitors and

their financial information. Ind0stry fig0res were also diffic0lt to get.

3



RECOMMENDATIONS AND CONCUSION

+,- RECOMMENDATIONS

Recommendations can be 0sed by the firm for the betterment of firm after st0dy and analysis

of proFect report on the st0dy and analysis of working capital. I wo0ld like to recommend.

• Company sho0ld raise f0nds thro0gh short term so0rces for short term re<0irement of

f0nds, which comparati2ely economical as compare to long term f0nds.

• Company sho0ld 0tilie the fied assets effecti2ely to generate more re2en0es and to

maimie the profit in the forthcoming years.

• /he le2el of working capital sho0ld be red0ced to maimie the earnings of the

company and the company has to take meas0res to control the le2el of working

capital.

• Company sho0ld take control on debtor:s collection period which is maFor part of

c0rrent assets.

• Company sho0ld red0ce the in2entory holding period with 0se of minim0m in2entory

concepts.

• Company has a good li<0idity position b0t it has to take necessary steps to meet the

li<0idity of c0rrent liabilities as by 0sing more efficient software than 9RP like %1P.

• Company sho0ld make a policy in respect of in2estment of ecess cash, if anyJ in

marketable sec0rities and o2erall cash policy sho0ld be introd0ced.

• *anagement sho0ld de2elop a credit policy and proper self realiation system from

c0stomers so that efficient and effecti2e management of acco0nts recei2able can be

ens0red. /his will significantly impro2e the profitability and li<0idity of the company.

A2er all company has good li<0idity position and s0fficient f0nds to repayment of

liabilities. Company is increasing sales 2ol0me per year which s0pported to company to

increase the market share year by year.

3!



CONCUSION

orking capital management is important aspect of financial management. /he st0dy of

working capital management in ICICI B1= has re2ealed that the c0rrent ratio was as per

the standard ind0strial practice b0t the li<0idity position of the company showed an

increasing trend. /he st0dy has been cond0cted on working capital ratio analysis, working

capital components which helped the company to manage its working capital efficiency and

affecti2ely.

• orking capital of the company was increasing and showing positi2e working capital

per year. It shows good li<0idity position.

• Positi2e working capital indicates that company has the ability of payments of short

terms liabilities.

• orking capital increased beca0se of increment in the c0rrent assets is more than

increase in the c0rrent liabilities.

• Company:s c0rrent assets were always more than re<0irement it affect on profitability

of the company.

• C0rrent assets are more than c0rrent liabilities indicate that company 0sed long term

f0nds for short term re<0irement, where long term f0nds are most costly then short

term f0nds.

• C0rrent assets components shows s0ndry debtors were the maFor part in C0rrent assets

it shows that the inefficient recei2ables collection management.

3.



d) %tore of ?al0e

6D) hich do yo0 think is more profitableV

a) 8.7.

b) Real 9state

c) ;old

6!) hat time horions are yo0 looking to do in2estmentV

a) >ear

b) -3 >ears

c) 3-" >ears

d) Y" >ears

6) hich *arket Cap do yo0 think is more profitableV

a) 5arge

b) *id

c) %mall

6) 1re yo0 willing to take assistance of ealth manager to manage yo0r portfolioV

a) >es

b) =o

c) ill /hink

d) 7on:t now

project of icici bank

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