ICICI Bank is a leading Indian private sector commercial bank offering a variety of products and services. It was incorporated in India in 1994. In 2002, ICICI, a non-bank financial institution, and two of its subsidiaries, ICICI Personal Financial Services and ICICI Capital Services, were amalgamated with ICICI Bank. As of March 31, 2007 ICICI Bank is the largest private sector bank in India and the second largest bank in India, in terms of assets. May 10, 2007, ICICI Bank has the largest market capitalization among all banks in India.
ICICI Banks commercial banking operations span the corporate and the retail sector. It offers a suite of products and services for both its corporate and retail customers. ICICI Bank offers a range of retail credit and deposit products and services to retail customers. The implementation of its retail strategy and the growth in the commercial banking operations for retail customers has had a significant impact on its business and operations in recent years. At year-end fiscal 2007, retail finance represented 63.8% of its total loans and advances compared to 62.9% at year-end fiscal 2006 and 60.9% at year-end fiscal 2005. ICICI Bank has approximately 24.0 million retail customer accounts. Its corporate customers include India’s leading companies as well as growth-oriented small and middle market businesses, and the products and services offered to them include loan and deposit products and fee and commission-based products and services.
At year-end fiscal 2007 its principal network consisted of 710 branches, 45 extension counters and 3,271 automated teller machines, or ATMs, across several Indian states. Pursuant to the amalgamation of Sangli Bank with ICICI Bank, its network of branches and extension counters increased by 198. ICICI Bank offers its customers a choice of delivery channels, and they use technology to differentiate there products and services from those of its competitors. ICICI Bank remains focused on changes in customer needs and technological advances to remain at the forefront of electronic banking in India, and seek to deliver high quality and effective services.
Content:
ACKNOWLEDGEMENT
PREFACE
DECLARATION
EXECUTIVE SUMMARY
HISTORY OF ICICI BANK
TIME LINE HISTORY OF ICICI BANK
RESEARCH METHODOLOGY
FINANCIAL ASPECTS OF ICICI BANK
Profit & loss Account
Balance Sheet
Capital Structure
Quarterly Result
Half Yearly Result
Annually Result
RATIO ANALYSIS
Introduction
Meaning of Ratio Analysis
Objectives of Ratio Analysis
Forms of Ratio Analysis
Steps in Ratio Analysis
Types of Comparison
Pre-requisites to Ratio Analysis
Classification of Ratio Analysis
Based on Financial Statements
Based on Function
Based on User
Liquidity Ratios
Current Ratio
Liquid Ratio
Absolute Ratio
Working capital
Investment /Shareholder
Earning per Share
Dividend per Share
Dividend Payout Ratio
Gearing
Capital Gearing Ratio
Profitability
Gross Profit Ratio
Net Profit Ratio
Return on Capital Employed
Financial
Debtors Turnover Ratio (DTO)
Solvency Ratios
Debt Equity Ratio
Interest Coverage Ratio (ICR)
Reserves to Total Funds
Market Based Return
Importance of Ratio Analysis
Advantages & Disadvantages of Ratio Analysis
Purpose of Ratio Analysis
DUPONT ANALYSIS
INTRA COMPANY ANALYSIS
STRATEGIC ANALYSIS
SERVICE GAP ANALYSIS
RECOMMENDATIONS
SUGGESTION TO OTHER FINANCIAL INSTITUTIONS
BIBLOGRAPHY
