FINANCIAL PERFORMANCE OF ICICI BANK

Bachelor of Commerce Banking & Insurance

Semester V
Academic Year
2011-2012
Project ON
FINANCIAL PERFORMANCE OF INDUSTRIAL CREDIT
AND INVESTMENT CORPORATION OF INDIA
By
Reena Maurya Roll No: 20
Project Guide
Prof. Ram Maurya

Shankar Narayan College of Art, Commerce &
Self Finance Courses

Bachelor of Commerce Banking & Insurance
Semester V
Academic Year
2011-2012
Project ON
FINANCIAL PERFORMANCE OF INDUSTRIAL CREDIT AND INVESTMENT
CORPORATION OF INDIA
Submitted
In Partial Fulfillment of the requirements for the Award of Degree of
Bachelor of Commerce - Banking & Insurance
By
Reena.K. Maurya
Roll No: 20
Project Guide
Prof. Ram Maurya
Shankar Narayan College of Art, Commerce &
Self Finance Courses
Navghar Road Bhayander -401105


Shankar Narayan College of Arts & Commerce
&
Self Finance Courses
DECLARATION
I Reena Maurya student of T.Y.B.Com (Banking & Insurance) Semester V
(2011-2012) SHANKAR NARAYAN COLLEGE OF ARTS AND
COMMERCE hereby declare that I have completed the project on
FINANCIAL PERFORMANCE OF INDUSTRIAL CREDIT AND
INVESTMENT CORPORATION OF INDIA.
The information submitted is true and original to the best of my
knowledge.

----------------------------
Signature of student


Name of the Student
Reena Maurya
ROLLNO:20
ACKNOWLEDGEMENT
Expression of feelings by words makes them less significant when it
comes to make statement of gratitude
With regard to my Project on FINANCIAL PERFORMANCE OF
INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF
INDIA I would like to thank each and every one who offered help,
guidelines and support whenever required. This goes to all who have knowingly
or unknowingly been a great support for me to accomplish this piece of work.
I would like to extend my sincere gratitude PROF RAM MAURYA
(PROJECT GUIDE) who guided me into the study of Financial Performance
of Industrial Credit And Investment Corporation Of India with. ref., to ICICI
BANK and also to the librarian it lab assistance and working and non-working
staff of our college for providing all kind of support that was needed for the
project. First of all I would like to thank the MUMBAI UNIVERSITY for
having projects as a part of the Banking and Insurance curriculum.
Many people have influenced the shape and content of this project, and many
supported me through it. Secondly, I would like to thank our College Principal
V. N. YADAV and our (Co-Ordinator) PROF. VIVEK WANKHEDE for
supporting in everything...
PROF. RAM MAURYA has been an inspiration and role model for this topic.
His guidance and active support has made it possible to complete the Project. At
last I express my deep sense of gratitude to our college Shri Shankar Narayan
College Learning and my company ICICIs Invest Direct (India) Limited
mentor Mr. Sanjay without whose support and cooperation this project could
not have been completed successfully.
Reena.K.Maurya

PREFACE
Through understanding the concepts developed in this project, prepared by
Reena. K. Maurya. On FINANCIAL PERFORMANCVE OF INDUSTRIAL
CREDIT AND INVESTMENT CORPORATION OF INDIA with ref., to ICICI
BANK. The objective of the present work is to provide an insight into the study
of FINANCIAL PERFORMANCE OF INDUSTRIAL CREDIT AND
INVESTMENT CORPORATION OF INDIA, in todays competitive world; the
entire material is presented in simple and lucid style to make it comprehensive
to everyone.
This project provides details description of Study of FINANCIAL
PERFORMANCE OF INDUSTRIAL CREDIT AND INVESTMENT
CORPORATION OF INDIA. This project has been written from students point
of view and would serve as a guide. However the book has not been written
from purely theoretical point of view but also contains the practical and more
interesting side of FINANCIAL PERFORMANCE OF INDUSTRIAL CREDIT
AND INVESTMENT CORPORATION OF INDIA. I hope this project will
prove to be beneficial and useful to all. Even though large- scale efforts have
made in collecting the proofs and putting information, some printing mistake
has been left as human beings are not perfect. I shall be extremely thankful if
these are brought to my notice. Constructive comments and suggestion from
student and teacher are welcome.




TABLE OF CONTENT

Ch. No.

TOPIC

1 Research Introduction

2 Profile of ICICI Bank

3 Financial Performance Evaluate of
ICICI

4 Conclusion and suggestion

Bibliography




TABLES

Sr. No.

TITLE OF THE TABLE

1 Analysis of Total Income

2 Analysis of Total Expenses

3 Analysis of P/L before and after Tax

4 Analysis of Reserves and Surplus

5 Analysis of Fixed Assets

6 Analysis of Current Assets and Current
Liabilities

7 Analysis of Capital Employed





FIGURES

Sr. No.

TITLE OF THE FIGURES

1 Figure of Total Income

2 Figure of Total Expenses

3 Figure of P/L before and after Tax

4 Figure of Reserves and Surplus

5 Figure of Fixed Assets

6 Figure of Current Assets and Current Liabilities

7 Figure of Capital Employed




Chapter 1
RESEARCH INTRODUCTION

1.1 Introduction

1.2 Objectives of the Study

1.3 Research Methodology

1.4 Need of The Study

1.5 Limitations of Study

1.6 Chapterisation







1.1 Introduction:

ICICI Bank is India's second-largest bank with total assets of about
Rs.1, 67,659 corer at March 31, 2005 and profit after tax of Rs. 2,005
corer for the year ended March 31, 2005 (Rs. 1,637 corer in fiscal
2004). ICICI Bank has a network of about 560 branches and
extension counters and over 1,900 ATMs. 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 and affiliates in the areas of investment
banking, life and non-life insurance venture capital and asset
management. ICICI Bank set up its international banking group in
fiscal 2002 to cater to the cross border needs of clients and leverage
on its domestic banking strengths to offer products internationally.
ICICI Bank currently has subsidiaries in the United Kingdom and
Canada, branches in Singapore and Bahrain and representative offices
in the United States, China, United, Arab Emirates, Bangladesh and
South Africa.
ICICI Bank's equity shares are listed in India on the Stock
Exchange, Mumbai and the National Stock Exchange of India
Limited and its American Depositary Receipts (ADRs) are listed on
the New York Stock Exchange (NYSE).As required by the stock
exchanges, ICICI Bank has formulated a Code of Business Conduct
and Ethics for its directors and employees. At April 4, 2005, ICICI
Bank, with free float market capitalization of about Rs. 308.00 billion
(US$ 7.00 billion) ranked third amongst all the companies listed on
the Indian stock exchanges. ICICI Bank was originally promoted in
1994 by ICICI Limited, an Indian financial institution, and was its
wholly-owned subsidiary. ICICI's shareholding in ICICI Bank was
reduced to 46% through a public offering of shares in India in fiscal
1998, an equity offering in the form of ADRs listed on the NYSE in
fiscal 2000, ICICI Bank's acquisition of Bank of Madura Limited in
an all-stock amalgamation in fiscal 2001, and secondary market sales
by ICICI to institutional investors in fiscal 2001 and fiscal 2002.
ICICI was formed in 1955 at the initiative of the World Bank, the
Government of India and representatives of Indian industry.
The principal objective was to create a development financial
institution for providing medium-term and long-term project
financing to Indian businesses. In the 1990s, ICICI transformed its
business from a development financial institution offering only
project finance to a diversified financial services group offering a
wide variety of products and services, both directly and through a
number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI
become the first Indian company and the first bank or financial
institution from non-Japan Asia to be listed on the NYSE..After
consideration of various corporate structuring alternatives in the
context of the emerging competitive scenario in the Indian banking
industry, and the move towards universal banking, the managements
of ICICI and ICICI Bank formed the view that the merger of ICICI
with ICICI Bank would be the optimal strategic alternative for both
entities, and would create the optimal legal structure for the ICICI
group's universal banking strategy.
The merger would enhance value for ICICI Bank shareholders
through a large capital base and scale of operations, seamless access
to ICICI's strong corporate relationships built up over five decades,
entry into new business segments, higher market share in various
business segments, particularly fee-based services, and access to the
vast talent pool of ICICI and its subsidiaries. In October 2001, the
Boards of Directors of ICICI and ICICI Bank approved the merger of
ICICI and two of its wholly-owned retail finance subsidiaries, ICICI
Personal Financial Services Limited and ICICI Capital Services
Limited, with ICICI Bank. The merger was approved by shareholders
of ICICI and ICICI Bank in January 2002, by the High Court of
Gujarat at Ahmadabad in March 2002, and by the High Court of
Judicature at Mumbai and the Reserve Bank of India in April 2002.
Consequent to the merger, the ICICI group's financing and banking
operations, both wholesale and retail, have been integrated in a single
entity.


1.2 Objectives Of The Study:
Objective are the ends that states specifically how goal be achieved. Every study
must have an objective for which all the efforts have been done without
objective no research can be conducted & no result can be obtained on the basis
of objective all the research process is followed objective are the main aspect of
every study. The objective of study gives direction to go through the researcher
& keep him on track. I have two objectives regarding my research project.
These are shown below.
To study the software used in ICICI Bank.
To analyses the financial statement of the corporation to assess its true
financial position by the use of ratio.
To find out the shortcomings in ICICI Bank.
To see whether ICICI Bank is going well or not in different areas.
The main objectives of the project are the following:
To study about ICICI Bank & its related aspect like its product &
services, history, organizational structure, subsidiary companies etc.
To analyze the financial statement i.e. profit & loss, Balance sheet of
ICICI Bank.
To learn about Profit & loss, Balance sheet & different type of assets &
liabilities.
To understanding the meaning & need of Balance sheet & Profit & loss
account.
The purpose is to portray the financial position of ICICI Bank with the
help of Balance sheet & Profit & loss account.
1.3 Research & Methodology:
RESEARCH DESISGN OF THE STUDY:
A research designs is the arrangement of conditions for collection &
analysis data in a manner that aims to combine relevance to the research
purpose with economy in procedure. Research design the conceptual
structure with in which research in conducted. It constitutes the blueprint
for the collection measurement & analysis of data. Research design
includes & outline of what the research will do from writing the
hypothesis & it operational implication to the final analysis of data. A
research design is a framework for the study & is used as guide in
collection & analyzing the data. It is a strategy specifying which approach
will be used for gathering & analyzing the data. It also includes the time
& cost budget since most studies are done under these two cost budget
since most studies are done these two constraints. The design is such
studies must be rigid & not flexible & most focus attention on the
following.
1. What is the study about?
2. Why is the study being made?
3. Where will the study be carried out?
4. What type of data is required?
5. Where can be required data be found?
6. What period of time will the study include?
7. What will be sample design?
8. What techniques of data collection will be used?
9. How will the data be analyzed?
10. In what style will the report be prepared?
The required data for the study are basically secondary in nature & the data are
collected from:
1. The audited reports of the company.
2. Internet which includes required financial data collected from ICICI
Banks official website i.e.www.icici .com & some other website on the
interest for the purpose of getting all the required financial data of the
bank & to get detailed knowledge about ICICI Bank for the convince of
study.
This report is based on primary as well secondary data, however primary
data collection was given more importance since it is overhearing factor in
attitude studies. One of the most important users of research methodology is
that it helps in identifying the problem, collecting, analyzing the required
information data and providing an alternative solution to the problem .It also
helps in collecting the vital information that is required by the top management
to assist them for the better decision making both day to day decision and
critical ones.
The study consists of analysis about Financial Performance about the Industrial
Credit & Investment Corporation of India. For the purpose of the study 100
customers were picked up at random and their views solicited on different
parameters.
RESEARCH METHODOLOGY OF THE STUDY:-
The procedure adopted for conducting the research required a lot of attention as
it has direct bearing on accuracy, reliability & adequacy of results obtained. It is
due to this reason that research methodology, which we used at the time of
conducting the research, need to be elaborated upon. It may be understood as a
science of studying how research is done scientifically. So, the research
methods but also considers the logic behind the method used in the context of
the research study. Research methodology is a way to systematically study &
solve the research problem. If a research wants to claim his study as a good
study, he must clearly state the methodology adapted in conducting the research
the research so that it may be judged by the reader whether the methodology of
work done is sound or not.
SOURCES OF DATA
Published materials from RBI Bulletin & news papers, and website.

1.4 Need Of The Study:
This project gives overall information about Industrial Credit & Investment
Corporation of India (ICICI) in this project we can study about Private Banking
Sectors and their financial performance We also see that banking sector use
latest techniques and innovative ideas for minimizing risk and give maximize
profit to the investor. The Bank also provides advisory service for to improve
their financial performance.
Similarly the aim of this project is to disclose the scenario of 21
st
century
banking with providing service of Products with special Reference of ICICI
Bank for explain the concept of Financial Performance.
This project highlights the problems face by the banks in financial performance.





1.5 Limitations of the Study:
Difficulty in data collection
Limited knowledge about the bank in the initial stages.
Branch manager was reluctant for giving financial data of the bank.
The analysis and interpretation are based on secondary data
contained in the published annual report of ICICI Bank for the study
period.
Due to the limited time available at the disposable, the study has
been confined for a period of 5 years.
Ratio itself will not completely show the companys good or bad
financial position. The study of financial performance can be only a
means to know about the financial condition of the company and
cannot show a through picture of the activities of the company.
1.6 Chapterisation:
Chapter 1: is consisting of detail Information about Project. Need and
Limitations of the study for preparing this project is given in this chapter.
Chapter 2: is consisting of detail Information about Financial Performance of
Industrial Credit & Investment Corporation of India study of the overview.
Chapter 3: is consisting of detail description of ICICI Bank and study of detail
information about its Financial Performance.
Chapter 4: is about Financial Performance of ICICI Bank Service. The study of
analysis of Balance sheet and P/L A/C is given in this Chapter.
Chapter 5: is about Conclusion from Tables and Figures.
Chapter 6: is about Suggestion on Conclusion.



Chapter 2
Profile of Industrial Credit & Investment
Corporation of India

2.1 Introduction
2.2 History
2.3 Growth of ICICI BANK
2.4 Strengths and Weakness of ICICI BANK
2.5 Product and Services of ICICI BANK







2.1 :- INTRODUCTION
ICICI Bank is India's second-largest bank with total assets of about Rs.1, 67,659
corer at March 31, 2005 and profit after tax of Rs. 2,005 corer for the year
ended March 31, 2005 (Rs. 1,637 corer in fiscal 2004). ICICI Bank has a
network of about 560 branches and extension counters and over 1,900 ATMs.
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 and affiliates in the areas of investment
banking, life and non-life insurance venture capital and asset management.
ICICI Bank set up its international banking group in fiscal 2002 to cater to
the cross border needs of clients and leverage on its domestic banking strengths
to offer products internationally. ICICI Bank currently has subsidiaries in the
United Kingdom and Canada, branches in Singapore and Bahrain and
representative offices in the United States, China, United, Arab Emirates,
Bangladesh and South Africa.
ICICI Bank's equity shares are listed in India on the Stock Exchange,
Mumbai and the National Stock Exchange of India Limited and its American
Depositary Receipts (ADRs) are listed on the New York Stock Exchange
(NYSE).As required by the stock exchanges, ICICI Bank has formulated a Code
of Business Conduct and Ethics for its directors and employees. At April 4,
2005, ICICI Bank, with free float market capitalization of about Rs. 308.00
billion (US$ 7.00 billion) ranked third amongst all the companies listed on the
Indian stock exchanges. ICICI Bank was originally promoted in 1994 by ICICI
Limited, an Indian financial institution, and was its wholly-owned subsidiary.
ICICI's shareholding in ICICI Bank was reduced to 46% through a public
offering of shares in India in fiscal 1998, an equity offering in the form of
ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of
Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary
market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002.
ICICI was formed in 1955 at the initiative of the World Bank, the Government
of India and representatives of Indian industry.
The principal objective was to create a development financial institution for
providing medium-term and long-term project financing to Indian businesses. In
the 1990s, ICICI transformed its business from a development financial
institution offering only project finance to a diversified financial services group
offering a wide variety of products and services, both directly and through a
number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become
the first Indian company and the first bank or financial institution from non-
Japan Asia to be listed on the NYSE..After consideration of various corporate
structuring alternatives in the context of the emerging competitive scenario in
the Indian banking industry, and the move towards universal banking, the
managements of ICICI and ICICI Bank formed the view that the merger of
ICICI with ICICI Bank would be the optimal strategic alternative for both
entities, and would create the optimal legal structure for the ICICI group's
universal banking strategy.







2.2 :- HISTORY
ICICI Bank was originally promoted in 1994 by ICICI Limited an Indian
financial institution, and was its wholly owned subsidiary. ICICI's
shareholding in ICICI Bank was reduced to 46% through a public offering of
shares in India in fiscal 1998, an equity offering in the form of ADRs listed
on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of Madura
Limited in an all stock amalgamation in fiscal 2001, and secondary market
sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI
was formed in 1955at the initiative of the World Bank, the Government of
India and representatives of Indian industry.
The principal objective was to create a development financial
institution for providing medium-term and long-term project financing to
Indian businesses. In the 1990s, ICICI transformed its business from a
development financial institution offering only project finance to a
diversified financial services group offering a wide variety of products and
services, both directly and through a number of subsidiaries and affiliates
like ICICI Bank.In1999, ICICI become the first Indian company and the first
bank or financial institution from non-Japan Asia to be listed on the NYSE.
After consideration of various corporate structuring alternatives in the
context of the emerging competitive scenario in the Indian banking industry,
and the move towards universal banking, the managements of ICICI and
ICICI Bank formed the view that the merger of ICICI with ICICI Bank
would be the optimal strategic alternative for both entities, and would create
the optimal legal structure for the ICICI group's universal banking strategy.
The merger would enhance value for ICICI shareholders through the merged
entity's access to low-cost deposits, greater opportunities for earning fee-
based income and the ability to participate in the payments system and
provide transaction-banking services. The merger would enhance value for
ICICI Bank shareholders through a large capital base and scale of operations,
seamless access to ICICI's strong corporate relationships built up over five
decades, entry into new business segments, higher market share in various
business segments, particularly fee-based services, and access to the vast
talent pool of ICICI and its subsidiaries. In 10th October, 2001, the Boards
of Directors of ICICI and ICICI Bank approved the merger of ICICI and two
of its wholly-owned retail finance subsidiaries, ICICI Personal Financial
Services Limited and ICICI Capital Services Limited, with ICICI Bank.
The merger was approved by shareholders of ICICI and ICICI Bank in
January 2002, by the High Cost of Gujarat at Ahmadabad in March2002, and
by the High Cost of Judicature at Mumbai and the Reserve Bank of India in
April 2002. Consequent to the merger, the ICICI group's financing
and banking operations, both wholesale and retail, have been integrated in a
single entity. ICICI Bank has formulated a Code of Business Conduct and
Ethics for its directors and employees. ICICI Bank is India's second-largest
bank with total assets of Rs.3,793.01 billion (US$ 75 billion) at March 31,
2009 and profit after tax Rs.37.58 billion for the year ended March 31, 2009.






2.3:-Growth of ICICI BANK
ICICI Bank is Indias second-largest bank with total assets of 3,997.95
billion(US$ 100 billion) at March 31, 2008and profit after tax of Rs. 41.58
billion for the year ended March 31, 2008 . ICICI Bank is the most valuable
bank in India in terms of market capitalization and is ranked second amongst all
the companies listed on the Indian stock exchanges. In terms of free float
market capitalization*.The Bank has a network of about 1308,950 ATMs in
India and presence in 18 countries. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail customer through a
variety of delivery channels and through its specialized subsidiaries and
affiliates 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 Singapore, Bahrain, Hong Kong, Sri
Lanka and Dubai International Finance Center and representative offices in the
United States, United Arab Emirates, China, South Africa, Bangladesh,
Thailand, Malaysia and Indonesia. UK subsidiary has established a branch in
Belgium. ICICI Banks equity shares are listed in India on Bombay Stock
Exchange (BSE) and the National Stock Exchange (NSE) of India Limited and
its American Depositary Receipts (ADRs) are listed on the New York
Stock Exchange (NYSE).
The ICICI Bank has a different subsidiaries. And it also has the domestic and
acquisition they provide different services it explain as following:



SUBSIDIARIES
Domestic
ICICI Lombard
ICICI Prudential Life Insurance Company Limited
ICICI Securities Limited
ICICI Prudential Asset Management Company Limited
ICICI Venture
ICICI Home Finance
ICICI direct.com
ICICI Foundatio
International
ICICI Bank UK PLC
ICICI Bank Canada
ICICI Bank Eurasia LLC
Acquisitions
2005: Investitsionno-Kreditny Bank (IKB), a Russian bank
2007: Sangli Bank
2010: Bank of Rajasthan





2.4 :- Strengths and Weakness of ICICI BANK:
STRENGTHS:-
1. BRAND NAME: ICICI Bank has earned a reputation in the market for
extending quality services to the market vis--vis its competitors. It has
earned a strong Brand name in banking in a very short span of time.
2. MARKET SHARE: ICICI Bank has the largest market share of 34% in the
IT & ITES industry in Hyderabad according to our survey (within the limitation
of the sample size.)
3. HUGE NETWORK: ICICI Bank has the highest number of linked branches
in the country. The bank operates through a network of 450 BRANCHES AND
over 1800 ATMs across India, thus enabling them to serve customer in better
way.
4. DIVERSIFIED PORTFOLIO: ICICI Bank has all the products under its
belt, which help it to extend the relationship with existing customer. ICICI Bank
has umbrella of products to offer their customers, if once customer has
relationship with the bank. Some Products, which ICICI Bank is offering are:
Retail Banking
Business Banking
Merchant Establishment Services (EDC Machine)
Personal loans & Car loans
DEMAT Services with E-Broking
Mutual Fund (ICICI Bank is the Distributor of all Mutual Fund)
Insurance
Housing Loans
5. TECHNOLOGY: From its inception, ICICI Bank has adopted a policy of
selecting internationally proven and specialized Packaged Systems for its
technology. ICICI banks technology platform has been acknowledged globally
as one of the best in terms of robustness, flexibility and cost efficiency. ICICI
Bank is in a position to leverage this platform to further build cost and service
advantage.
WEAKNESS
1. TRANSACTION COST: ICICI Bank charges high cost for its transactions.
Through our data analysis we have find out that most of the small companies
prefer nationalized banks only because of this cost factor. Also the group has
found out that there are companies which are going for multi bank system i.e.
they are using only those facilities of ICICI Bank which are provided at cheaper
rates (read Salary Account) and for other services they are going to nationalize
banks and MNCs (read Forex). So there exists a huge potential for ICICI Bank
if they are ready to make their transaction cost flexible.
2. FOCUS ONLY ON HIGH END CUSTOMERS: The bank targets only the
top bracket of clients and does not cater to the needs of small customers. Due to
this reason the bank may sometimes loose good clients.
3. DEFENSIVE APPROACH IN LENDING: ICICI Bank has a defensive
approach in lending. Mainly to IT & ITES companies Bank do not provide loan
as these companies are not having collaterals so bank hesitate in giving loans to
them. Because of this policy companies prefer nationalized banks and ICICI
Bank in turn sometimes loose potential customers.
4. LITTLE PRESENCE OUTSIDE INDIA: ICICI Bank is having little
presence Outside India, because of which companies are preferring MNC Bank,
mainly Citibank. So if ICICI Bank tries to emerge outside India then it has a
huge potential of customers.
5. POOR CUSTOMER CARE/SERVICE: With its aggressive marketing
ICICI Bank is rapidly increasing its customer base. They are not however,
increasing the number of employees accordingly. This is leading to
deterioration of the standard of customer service.

2.5:- Product & Services of ICICI:-
Now a day not all the people have the capacity to fulfill their requirement by
their own earning, thats why they need help from others. For this so many
government & private sector bank provide them money to fulfill their
requirement, thats call the Advance Product (loan product) of the bank. All the
banks have so many different types of advance product as per the requirement
of the people or customers. In Bhubaneswar also there are so many banks those
provide loan to the people for different causes.
Types of Advance Product
Home Loan
Educational Loan
Car Loan
Personal Loan
Property Loan
Loan Against Shares\Debentures Etc.
Now a day a large no. of people are taking loan from different banks. It helps
people to fulfill their need and it really easy to repayment the loan amount with
a longer repayment period. SBI Advance Product.
Different Product of ICICI Bank.
Deposit:-
a) Saving A/c:- ICICI bank savings account has been designed to offer you a
valuable banking experience. Under savings accounts, bank offers various
facilities like Debit-cum-ATM card to withdraw cash from any ATM. Money
Multiplier facility that enables the transfer of your idle money into a high
interest savings account. Further there are Internet banking facility, 24-hour
Customer Care service, Mobile banking, Standing instructions, Nomination
facility and Bank@home facility that allows you to order cash deposits and
withdrawals from home. The services include cash / cheques deposits and
cash/DD/PO delivery at home, DD call and collect facility.
b) Advantage deposit:- Advantage Deposit is a combination of fixed deposit
and mutual fund investment, offering you the safety of a fixed deposit and the
returns of an equity fund. Advantage Deposit counters equity-market
fluctuations through Systematic Investment Plans.
c)Special saving:- ICICI Banks Special Savings Account provides
comprehensive banking services to non profit motive organizations like Trusts,
Associations, Societies, Clubs, NGOs, Hospitals, Educational and Research
Institutes and section 25 companies and entities eligible for a savings account as
per RBI Guidelines.
d) Life Plus Senior Citizens Savings Account:- ICICI Banks Life Plus
Senior Citizen Services have been designed to empower senior citizens to
independently carry out the day-to-day banking transactions with dignity and
confidence. These senior citizen benefits are exclusively for customers above 60
years of age.
e) Fixed deposit:- Members are permitted to submit fixed deposit receipts as
collateral towards liquid assets. The FDR should be issued either in favors of:
"Custodian Name (as the case may be) - A/c Member Name" in case to be
deposited with approved custodians namely HDFC Bank Ltd., Stock Holding
Corporation of India Limited and ICICI Bank Ltd or "NSCCL A/c Member
Name" in case to be deposited with the Clearing Corporation.
f)security deposit:- A few Corporate stipulate to their new employees to
provide Security Deposit to reduce attrition. ICICI Banks proposal for the
employee is to keep the Security Deposit in the form of a Fixed Deposit (FD)
with the Bank. The employee cannot withdraw such FDs without the consent of
the company and the company has the right to withdraw the FD in the event of
employee leaving the organization before a certain stipulated period.
g) Recurring deposit:- ICICI Bank Recurring Deposits are an ideal way to
invest small amounts of money every month and end up with a large kitty on
maturity. High recurring billing and recurring payments can be a drain on your
finances and hence large investments may seem a plan away.
h)Tax-Saver Fixed Deposit:- ICICI Banks Tax-Saver Fixed Deposit enables
you to save tax and earn high returns. A dual benefit option structured to
maximize your advantage. ICICI Banks Tax Saver FD is the perfect solution
for your investment needs.
i) Young Stars:- At Young Stars, we will guide your child through the world
of banking - from checking the childs savings account balance to guiding
through fun zones and special pages on the Internet Banking channel. It makes
banking a pleasure and teaches your child to manage his or her personal
finances through a savings account.

j)Child Education Plan :- ICICI Bank presents Child Education Plan, a
unique way to save for your child's future. To fulfill your child's dream &
aspirations, begin by making small investments in a Recurring Deposit for a
short tenure and receive regular payouts for the rest of the tenure in your child's
Young star Savings Account.
k)Bank@Campus:- With ICICI Banks Bank@Campus, your child can now
transact from his account at the click of a mouse. Bank@Campus is a
technology-enabled service, which allows your child to get the bank account to
his computer screen. He need not visit the branch at all. Maximum convenience
and easy access.
l) Advantage Woman Savings Account:- The ICICI Bank Advantage Woman
Account enables todays independent women to enjoy hassle-free banking
services. Besides the core ICICI Bank advantage, the Advantage Woman
Savings Account is packed with special benefits for our women customers.
Enjoy your present and plan for the future with ICICI Banks Advantage
Woman Savings Account
m) EEFC Account:- Indian exports have surged over the last decade owing to
an unprecedented boom in sectors like software, biotechnology, gems,
jewellery, textiles etc. As a result of this, the volume of inward remittances has
also increased significantly. To shield the firms engaged in regular export and
import from the exchange rate fluctuations RBI has allowed parking of foreign
currency by exporters in an account designated as Exchange Earners Foreign
Currency Account (EEFC). EEFC accounts are Current Accounts held in
foreign currency with authorized dealers of foreign exchange in the country.
n)Resident Foreign Currency (Domestic) Account:- Do you want to save
money while buying foreign currency for travelling abroad? You can buy
travelers cheques, foreign currency in cash and foreign currency demand draft
for your expenses overseas. If you are a frequent traveler, you may not want to
go through the hassles of buying foreign currency every time you travel abroad.

o)Privilege Banking:- Choose the ICICI Bank Privilege Banking account to
enjoy exclusive benefits across wide range of product and services. The
Privilege banking account variants we offer are - gold and titanium; each
designed to suit your specific needs. In addition to benefits like money
multiplier, nomination facility, internet banking and mobile banking, you can
avail other special privileges like:

p)No Frills Account:- ICICI Banks No Frills Account, places emphasis on the
smallest of deposits. Our No Frills Account is available to you without any
minimum quarterly average balance requirement.

Loan:
a) Home Loans:- Building your own home is special. As one of the leading
home loan providers, ICICI Bank Home Loans is here to help you lay the
foundation for your dream home. With the experience of sharing the dream of
millions of our customers, we offer you the most convenient home loan plans to
suit your needs.
b) Loan Against Property:- Loan Against Property is the perfect way to
unlock the hidden value of your property. With this loan, you can fully benefit
from life's little surprises you may have earlier passed over due to lack of funds.
Live your dreams with a Loan against Property! This multi-purpose loan puts
funds at your disposal to use as you wish. What's more, this loan is available at
a reasonable rate and can be repaid comfortably over as many as 10 years.
c) Personal Loans for all your financial needs:- Thinking of renovating your
house? Yearning to buy a new laptop? Need financial assistance for marriage-
related expenses or for your child's higher education? An ICICI Bank Personal
Loan is your one-stop-shop for fulfilling all your financial aspirations!
d) Car Loans in India:- Turn your dream into reality. Own that new car you
have always desired, with a little help from us. We offer car loans up to 90% of
the ex-showroom price of the car. Our interest rates would pleasantly surprise
you. What's more, you can take up to 5 years to repay the loan.
e) Commercial Vehicle Loans:- We have extended products like funding of
new vehicles, finance on used vehicles, top up on existing loans, working
capital loans & other banking products.
f) Loan Against Securities:- Loan Against Securities offers you instant
liquidity. You dont have to sell your securities. All you have to do is pledge
your securities in favors of ICICI Bank. We will then grant you an overdraft
facility up to a value determined on the basis of the securities pledged by you. A
current account will be opened and you can withdraw money as and when you
require. Interest will be charged only on the amount withdrawn and for the time
span utilized
g) Loan Against Gold and Gold Ornaments:- ICICI Bank presents Loan
Against Gold and Gold Ornaments, designed to provide liquidity against gold
and gold ornaments without having to sell them. This product is ideal to meet
agriculture and allied agriculture requirements like cultivation, dairy, poultry,
fishery, etc. Gold coin and Gold ornaments lying idle can be put to productive
use by availing Loan against Gold and Gold Ornaments.


h) Pre-qualified Loans:- Now Car Loans, Credit Card, Home Loans and
Personal Loans, all at the click of your mouse. Easy Loans / Credit Cards
available now from ICICI Bank Applying for a Credit Card or getting your loan
sanctioned online just couldn't get any easier! Simple application process, quick
processing, and you can now do it all from the comfort of your office or home.

Cards:
i) Prepaid Cards:- ICICI Bank brings to you a complete bouquet of prepaid
cards providing payment solutions at your fingertips. ICICI Bank prepaid cards
are a safe & convenient way for associate payments, disbursements, gifting &
small ticket transactions.


ICICI Bank
Pay Direct Card
ICICI Bank
Meal Card
ICICI Bank
Gift Card
j) Travel Card:-
ICICI Bank Travel Card on VISA network provides you the option of 8 currencies to
choose from, namely US Dollars, Australian Dollars, Canadian Dollars, Swiss Francs,
Euros, Pound Sterling, Singapore Dollars and Japanese Yen. You can enjoy the
convenience of the wide network of more than 1 million VISA ATM's and 27 million
merchant establishments.



k) Credit Cards
ICICI Bank Credit Cards ICICI Bank is the largest credit card issuer in the
country and has a wide range of credit cards designed to cater the needs of
different sections of the society. The bank has classified its card segment under
different categories such as premium cards, classic cards, value for money
cards, co-branded cards, affinity cards and EMI cards.
l) Prepaid Cards: ICICI Bank brings to you a complete bouquet of prepaid
cards providing payment solutions at your fingertips. ICICI Bank prepaid cards
are a safe & convenient way for associate payments, disbursements, gifting &
small ticket transactions.
k)Meal Card:-
The ICICI Bank Meal Card is a pre-paid Card operated in partnership with VISA. This
Card offers a convenient and unique mode of payment for your meals.
ICICI Bank is delighted to introduce the ICICI Bank Meal Card - the card that offers the
ease and convenience of providing employees with meal allowance on a card platform.
The ICICI Bank Meal Card gives access to more than 50,000 merchant establishments
across India. This frees employees from the hassles of carrying extra cash, the correct
change or cumbersome meal vouchers. The card can be used like any debit card or credit
card at any Food & Beverage point-of-sale terminal where Visa cards are accepted.


m) Purchase Cards: The ICICI Bank Purchase Card is a card based payment
solution that streamlines and effectively controls procurement processes of
corporate. Purchase card can be used for expenses like Travel & Entertainment
(T&E), Telecommunications, MRO, Office products, Professional services &
Utility payments. A credit limit is assigned to the corporate on the card and the
corporate can thereafter use the card for making payments to all vendors &
suppliers. The corporate gets a credit period of up to 50 days and can thereafter
repay ICICI Bank as per the billing due date. And ICICI Bank Purchase card
can be used on any VISA or MasterCard Network.

n) Merchant Services: ICICI Bank, India's largest private sector bank, and
First Data, a global leader in electronic commerce and payment services, have
formed a merchant acquiring alliance named ICICI Merchant Services which
has acquired ICICI Bank's merchant acquiring portfolio. The venture brings
together one of India's largest merchant portfolios, representing approximately
30% of the current Indian acquiring market, and a leading acquirer and payment
services provider with global expertise. Over time, ICICI Merchant Services
expects to deliver an enhanced suite of card acquiring services to existing and to
new merchants.

o) Commercial Cards: ICICI Banks Commercial Cards offers simple and
convenient solutions to meet the payment requirements of your organization.
Benefit from interest-free credit for your business purchases.

P )Business Banking Cards: ICICI Bank presents a privilege card, the
Business Banking Card. The Business Banking Card can be provided to senior
management for official purposes. We also issue multiple cards for an account.
Enjoy unparalleled services that add value to your business. Your card is
internationally valid and combines the benefits of domestic and overseas usage
in one card.
q) Mutual Funds ICICI Bank: ICICI Bank Mutual Funds services aim at
helping you design the ideal portfolio for your investment requirements. At
ICICI Bank, we help you identify the appropriate mix of Mutual Fund schemes
on the basis of asset allocation strategies. Invest in various schemes of multiple
mutual funds with a satisfactory performance record and reap the benefits.
Additionally, an ICICI Bank Mutual Funds service also equips you with various
research reports to help you make an informed decision.
r) Invest in IPOs Online: You can invest in IPOs online through with same
convenience of investing in equities - hassle-free and with zero paper work.
Also, get in-depth analyses of new IPOs issues (Initial Public Offerings) which
are about to hit the market. IPO calendar, recent IPO listings, prospectus/offer
documents and live prices will help you keep on top of the IPO markets.

s) Foreign Exchange Services: ICICI Bank's Foreign Exchange Services will
help you organize your foreign exchange in the most hassle free manner with
best foreign exchange rates. Whether its Foreign Currency, Travellers Cheques
or Travel Card, ICICI Bank Foreign Exchange Services is a one-stop solution to
your foreign exchange require men.

t) ICICI Bank Pure Gold: ICICI Bank through its ICICI Bank Pure Gold
offering wants you to get value for money. We are here to ensure that you get
the Best Deal. ICICI Bank is amongst the first banks in the country to have
started perennial retailing of Gold through its branches. The retailing of gold is
done in 2.5 g, 5g, 8g, 20g and 50g gold coins that are imported from
Switzerland. The gold coins come with an ASSAY Certification, indicating
the highest quality of gold at 99.99% purity. The coins are available to our
customers in tamper proof packaging.

u) Senior Citizen:
ICICI Banks Life Plus Senior Citizen Services have been designed to
empower senior citizens to independently carry out the day-to-day banking
transactions with dignity and confidence. These senior citizen benefits are
exclusively for customers above 60 years of age.
Senior Citizens Savings Scheme (SCSS) is a Government of India
Product.
9% interest offered to depositors.
Since the product is offered by Govt of India, this product is one of the
most Safest Investment Option.
Premature closure of account is possible after one year from the date of
opening the account.(Charges applicable).
2.9 :- Different Services of ICICI Bank.
Insurance:-
A. Home Insurance Policy:
A home is a place, which provides you the warmth and peace that one looks
forward to at the end of a hard day's work. However, our home can also be
threatened with burglary, damages caused by natural and man-made disasters.
To secure your home of any threat, it offers you Home Insurance Policy, which
will provide security to the structure and/or contents of your home against
unforeseen calamities.
B.Family Protect Premier - Health Insurance:
A comprehensive Health Insurance policy that ensures... Poorey parivaar ki
poori suraksha. Secure your family against financial emergencies during sudden
illness, surgery and accidents as well as against terrorist activities. Family
Protect Premier - Health Insurance lets you share the entire sum insured among
the family members covered under the policy , irrespective of who is been
treated and without any individual upper limit.

C.Health Advantage Plus Insurance Policy:
Health Advantage plus Policy offers comprehensive coverage that not only goes
beyond covering just your hospitalization expenses, but also offers coverage for
Out Patient Treatment expenses (OPD) up to the OPD Sum Insured limit and
Tax Benefits.
D.Individual Personal Accident Insurance Policy:
The Individual Personal Accident Insurance policy covers you against
Accidental Death and Permanent Total Disablement (PTD) on account of
Accident and also includes coverage against terrorism and acts of terrorism.
E.Individual Overseas Travel Insurance: Single Round Trip: Individual
Overseas Travel Insurance is a comprehensive policy that covers medical and
financial emergencies that might arise when travelling abroad. Along with
benefits like Checked-In Baggage loss/delay, get unique facilities such as global
cashless hospitalization too.
F.Individual Overseas Travel Insurance - Frequent Flier (Multi-Trip)
Plan:
Individual Overseas Travel Insurance is a comprehensive policy that covers
medical and financial emergencies that might arise when travelling abroad.
Along with benefits like Checked-In Baggage loss/delay, get unique facilities
such as global cashless hospitalization too.
G.Student Medical Insurance Plans:
Student Overseas Travel Insurance provides you with medical and non-medical
insurance coverage throughout your period of study with auto-renewal and
extension facilities. View the benefits that can make your stay abroad a happier
experience.
H.Car Insurance Policy:
A comprehensive Car Insurance policy for your car that keeps it secure against
damage caused by natural and man-made calamities, including acts of terrorism.
Avail of Own Damage, Personal Accident and Liability cover all in one policy.
Car Insurance in India is governed by the India Motor Tariff, so the coverage
for your vehicle would be the same no matter which company you would buy it
from. Moreover, Car Insurance is mandatory and needs to be renewed every
year. So choose the best car insurance company in India.
NRI Services:-
A. Money2India Online Transfers:
e-Transfer (Direct Debit - ACH based)
We offer a secure online and an efficient remittance service which helps
you directly transfer funds from your existing USA bank account into
bank accounts with over 100 other banks in India and into VISA Card
accounts* in India.
Now be empowered by the Fixed Rupee transfer facility on e-Transfer
Get confirmed exchange rates on initiation of request
Send the exact rupee amount to your receiver in India
B. NRI Edge:
NRI Edge is ICICI Bank's new premium banking product for NRIs from
across the world. Equipped with premium Platinum Debit card, a dedicated
24x7 phone banking team and exclusive investment options, it is sure to add
pleasure and peace of mind to your India related banking. If you are looking
for priority service and exclusive privileges, NRI Edge is an ideal choice.
C. NRI Savings:
For the global Indian, a Non-Residential External (NRE) Savings Account
with ICICI Bank spells convenience. Whether you are a student, a
professional, a salaried employee or an entrepreneur, ICICI Banks power-
packed, feature-rich NRE Savings Account will meet all your banking
needs. Thats why we call it the Easy Rupee Account for NRIs.
D. ICICI Bank India Home Loans
ICICI Bank offers a wide variety of home loan products tailored to the unique
needs of NRIs. Whether you want to buy or build a new home or purchase land,
ICICI Bank has a loan product just for you. Why us?
Benefits:
Facility for Online application for India Home Loans
Online tracking of the status of your India Home loan application
Enjoy attractive interest rates on a monthly reducing basis
Choose from fixed and floating interest rates
Enjoy part-prepayment facility for zero fees
Get free personal accident insurance to the extent of loan outstanding
Enjoy door step service in India till disbursement
Eligibility criteria for a home loan:
Age:

You need to be at least 21 years old

As a salaried applicant, maximum age limit is 60 years or retirement age
(whichever is earlier), at the time of loan maturity

As a self-employed applicant, maximum age limit is 65 years or retirement
age (whichever is earlier), at the time of loan maturity.
Residential status:

As a salaried applicant, you should have been abroad for a minimum period of
1 year

As a self-employed applicant, you should have been abroad for a minimum
period of 3 years.
Income:
Salaried Self employed
Loan tenure
Up to 5
yrs
6-10 yrs
*11-15
yrs
Up to 10 yrs
USD (per
annum)
30000 42000 42000 42000


E.Loans against Deposits
we provide liquidity in your investments by offering you a loan facility against
your deposits. Rupee loans are provided against the security of your:
Rupee deposits - NRO and NRE
FCNR deposit



Chapter3
EVALUATION OF FINANCIAL PERFORMANCE OF
ICICI
3.1Introduction
3.2Analysis of Profit and Loss account and Balance sheet
3.3Analysis of Interest income
3.4Analysis of Earning
3.5Analysis of Assets
3.6Analysis of Liabilities


INTRODUCTION
Financial Statement refers to such statement which contains financial
information about an enterprise. They report profitability and the end of
Accounting period. The team financial statement includes at least 2 statements
which the accountant prepares at the end of an accounting period. The 2
statements are
The Balance sheet
The Profit & loss account
They provide some extremely useful information to the extent the B/S mirrors
the financial position on a particular date in terms of the structure of assets ,
liabilities & owners equity, & soon & the P&L A/C shows the results of
operation during a certain period of time in terms of the revenues obtained &
the cost incurred during the year. Thus the financial statements provide a
summarized view of financial position & operation of a firm.
Meaning of Financial Analysis:-
The term financial analysis is also known as analysis & interpretation of
financial statement refers to the process of determining financial strength &
weakness of the firm by establishing strategic relationship between the items of
the Balance sheet, Profit & Loss A/C and other operative data.The second step
is to arrange the information in a way to highlight significant relationship.


Analysis Of Profit And Loss Account And Balance Sheet Of
ICICI Bank
Table No.1

(Rs .in crores)
YEAR 2005-06 2006-07 2007-08 2008-09 2009-10
NET INTEREST INCOME 4709 6636 7304 8367 8114
NON-INTEREST INCOME 4243 5914 8811 7604 7478
FEE INCOME 3447 5012 6627 6524 5650
LEASE & OTHER INCOME 796 902 1369 637 647
TREASURY INCOME 815 443 1181
PROFIT BEFORE TAX 3097 6348 5056 5117 5345
PROFIT AFTER TAX 2540 3110 4158 3758 4025
CASH & BANK BALANCE 17040 37121 38041 29966 38874
SLR INVESTMENT 51075 67368 Nil Nil Nil
ADVANCES 146163 195866 225616 218311 181206
OTHER INVESTMENT 20473 23890 111454 103058 120893
FIXED & OTHER ASSET 16138 20413 24684 27966 22427
TOTAL ASSETS 251389 251389 399795 379301 363400
NETWORTH 22206 24313 46470 49533 51618
EQUITY CAPITAL 890 899 1113 1113 1115
RESERVE 21316 23414 45357 48420 50503
PREFERENCE CAPITAL 350 350 350 350
DEPOSIT 165083 230510 244431 218348 202017
OTHER BORROWING 35477 59823 86399 92805 94264
OTHER LIABILITIES 15083 18824 22145 18265 15501
TOTAL LIABILITIES 251389 344658 399795 379301 363400
(Source: Compiled by researcher through financial statements of selected
company for the study)

Fig No.1






Analysis of Interest income of ICICI Bank
Table No.2
(Rs .in crores)




(Source: Compiled by researcher through financial statements of selected
company for the study)
Fig No.2

In above diagram shows the record of Net interest income and Non- interest
income of ICICI Bank from the year 2005 to 2010. The above diagram the Net
income in 2005 to 2006 the amount is 4709. Hence therefore the next year in
2006 to 2008 increase the amount by 2595. The Net interest income was more
increase in the year 2008 to 2009 by 8367.. Non interest income was
increasing by 8811. As you see the all figure in the above graph.
YEARS 2005-06 2006-07 2007-08 2008-09 2009-10

NET INTEREST
INCOME 4709 6636 7304 8367 8114
NON-INTEREST
INCOME 4243 5914 8811 7604 7478
Analysis Of Earnings Of ICICI Bank
Table No.3
( Rs in crores)


(Source: Compiled by researcher through financial statements of selected
company for the study)
















FigNo.3





YEARS 2005-06 2006-07 2007-08 2008-09 2009-10
PROFIT BEFORE TAX 3097 3648 5056 5117 5345
PROFIT AFTER TAX 2540 3110 4158 3758 4025
Analysis of Assets of ICICI BANK
Table No.4

( Rs in crores)
No. Years 2005-06 2006-07 2007-08 2008-09 2009-10
1. Cash & bank
balance
17040 37121 38041 29966 38874
2. Advances 146163 195866 225616 218311 181206
3. Investment 20473 23890 111454 103058 120893
4. Fixed & others
assets
16638 20413 24684 27966 22427

(Source: Compiled by researcher through financial statements of selected
company for the study)





Fig No.4












Analysis of Liabilities of ICICI Bank from the 2005 to 2010
Table No.5 Liabilities Rs in crores




(Source: Compiled by researcher through financial statements of selected
company for the study)









Fig No.5
1 Equity capital 890 899 1113 1113 1115
2 Reserves 21316 23414 45357 48420 50503
3. Preference capital 350 350 350 350 Nil
4. Deposits 165083 230510 244431 218348 202017
5. borrowing 35477 59823 86399 92805 94264
6 Other liabilities 15083 18824 22145 18265 15501










Chapter 4
Conclusion & suggestion
Conclusion:
The balance sheet along with the income statement is an important tools for
investors & many other parties who are interested into gain insight into a
company and its operation. The balance sheet is a snapshot at a single point of
time of the companys a/c covering its assets, liabilities & shareholders equity.
The purpose of the balance sheet is to give users an idea of the companys
financial position along with displaying what the company owns & owes. It is
important that all investors know how to use, analyze & read balance sheet &
profit & loss account tells the net profit & net loss of company & its
appropriation.
In the case of ICICI Bank, during fiscal 2008, the bank continued to grow &
diversify its assets base and revenue streams. Bank maintained its leadership in
all main areas such as retail credit, wholesale business, international operation,
insurance, mutual fund, rural banking etc. Continuous increase in the no. of
branches, ATM and electronic channels shows the growth take place in bank.
Trend analysis of profit & loss a/c and balance sheet shows the % change in
items of P/L A/C and balance sheet that is % change in 2005 to 2006 and
change in 2006 to 2007.it shows that all items are increased mostly but
increases in this year is lets than as compared to increase in previous year. In
P&L A/C , all items like interest income, non- interest income, interest exp,
operating exp, operating profit, before tax & after tax is increased but in mostly
cases it is less than from previous year but in some items like interest income,
interest exp, provision % increase is more. Some items like tax, depreciation,
lease income is decreased similarly in balance sheet all items like advances,
cash, liabilities, deposits, is increased except borrowing which is decreased %
increased in some items is more than previous year & in some items it is less.
Ratio analysis of financial statements shows that banks current ratio is better
than the quick ratio and fixed/worth ratio. It means bank has invested more in
current assets than the fixed assets and liquid assets. Bank have give more
advances to its customer and they have less cash in their hand. Profitability
ratio of bank is lower than as compared to previous year. Return on equity is
better than return on assets.
The cash flow statement shows that net increase in cash generated from
operating and financing activities is much more than the previous years but cash
generated from investing activities is negative in both year. There is increase of
159,708,479 thousand Rs increase in cash & cash equivalents from previous
year. Therefore analysis of cash flow statement shows that cash inflow is more
than the cash outflow in ICICI Bank.
Thus, the ratio analysis & analysis of cash flow statement shows that ICICI
Banks financial position is good. Banks profitability is increasing but not at
high rate. Banks liquidity position is fair but not good because banks invest
more in current assets than the liquid assets. As will know that ICICI Bank is on
the first position among the entire private sectors bank of India in all areas but it
should pay attention on its profitability & liquidity Banks position is stable.





Suggestion:
1. The attention is required on the areas of growth profitability, services
level & building talent.
2. To increase profit of bank should decrease their operating exp and
increase their income.
3. To increase its liquidity, bank should keep some more cash in its hand
instead of giving more & more advance.
4. Make manager competitive & introduce spirit of market-orientation &
culture of Working for customer satisfaction.
5. There is need to build the knowledge & skill base among the employees
in the context of technology.
6. Performance measure should not only cover financial aspect E.g.
quantitatively aspect but also the quantitatively aspect.
7. It is high time to focus on work than the work achieved.
8. Bank should increase its retail portfolio.
9. Bank should manage its all risk such as credit, market & operational, risk
properly & should be managed by a person who are highly skilled &
qualified.
10. Bank should pay attention on its subsidiary ICICI Prudential Life
Insurance Company Limited.


Bibliograph
a. Dr Riana Singh, Financial Performance, Vikas Publishing House Pvt.
Ltd., New Delhi,

b. Schaum's Outline, Introduction of Financial Planning, Financial
Management, Third Edition, Schaum's Outline Series, London,

c. Manumit Saga, The Reserve Bank of India Bulletin, May 27, 2011,
0:34 IST, Investment Portfolio of Scheduled Commercial Banks, Mumbai.



WEBLIOGRAPHY
http://en.wikipedia.org/wiki/Financial performance
http://www.sebi.gov.in/faq/faqpms.htmlhttp://www.investopedia.com/terms/f/fixedasset
.asp#ixzz1bKHa7kH9
https://www.pms.assetmanagement.hsbc.co.in/webfincrm/login.jsp
http://www.indiainfoline.com/ProductsAndServices/
http://m.moneycontrol.com/budget2011/bgtdaypg2.php
http://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=24040