HISTORY OF BANK

The history of banking refers to the development of banks and banking throughout
history, with banking defined by contemporary sources as an organization which
provides facilities for acceptance of deposits, and rovision of loans.

The history begins with the first prototypebanks of merchants of the ancient world,
which made grain loans to farmers and traders who carried goods between cities. This
began around 2000 BC in Assyria and Babylonia. Later, in ancient Greece and during the
Roman Empire, lenders based in temples made loans and added two important
innovations: they accepted deposits and changed money. Archaeology from this period in
ancient China and India also shows evidence of money lending activity.

Many histories position the crucial historical development of a banking system to

medieval and Renaissance Italy and particularly the affluent cities of Florence, Venice
and Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence,
establishing branches in many other parts of Europe.[2] The most famous Italian bank
was the Medici bank, established by Giovanni Medici in 1397.[3] The oldest bank still in
existence is Banca Monte dei Paschi di Siena, headquartered in Siena, Italy, which has
been operating continuously since 1472.[4]

The development of banking spread from northern Italy throughout the Holy Roman
Empire, and in the 15th and 16th century to northern Europe. This was followed by a
number of important innovations that took place in Amsterdam during the Dutch
Republic in the 17th century, and in London in the 18th century. During the 20th century,
developments in telecommunications and computing caused major changes to banks'
operations and let banks dramatically increase in size and geographic spread. The
financial crisis of 20072008 caused many bank failures, including some of the world's
largest banks, and provoked much debate about bank regulation.

INTRODUCTION OF BANK
Finance is the life blood of trade, commerce and industry. Now-a-days, banking sector
acts as the backbone of modern business. Development of any country mainly depends
upon the banking system.

The term bank is either derived from old Italian word banca or from a French word
banque both mean a Bench or money exchange table. In olden days, European money
lenders or money changers used to display (show) coins of different countries in big
heaps (quantity) on benches or tables for the purpose of lending or exchanging.

HISTORY OF ICICI BANK

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 NYS

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 transactionbanking 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 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 Ahmedabad 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.

INTRODUCTION TO ICICI BANK

ICICI Bank is India's second-largest bank with total assets of about Rs.1,67,659 crore at
March 31, 2005 and profit after tax of Rs. 2,005 crore for the year ended March 31, 2005
(Rs. 1,637 crore 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 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 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 Ahmedabad 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.

DEFINITION

A Multinational finance service provider in India. II t is 2nd largest bank in the country
which is headed by Chanda kochhar (One amongst powerful lady by Forbes). The
finance orgnization was established in year 1994 at Vadodara, Gujarat.

OBJECTIVE
ICICI BANK was found to be popular for its customer friendly services as well as the
facility it provides to the people. It was also found that its employees are trained enough
to handle its customers. Because of all these reasons ICICI BANK has become very
much popular in todays context.

FUNCTION OF THE ICICI BANK

In order to accomplish the above objectives, the Corporation performs the following
functions:

1. Providing finance in the form of long-term or medium term loans or equity

participation.
2. Sponsoring and underwriting new issues of shares and other securities,
3. Guaranteeing loans from other private investment sources.
4. Making funds available for reinvestment by revolving investment as rapidly as
possible.
5. Providing project advisory services i.e. offering advice
to private sector companies in the pre-investment stages on Government policies and
procedures, feasibility studies and joint venture search, and
to Central and State Governments on specific policy related issues.

TYPES OF FINANCIAL ASSISTANCE OF THE ICICI

BANK

The Corporation provides finance-in the following forms:

1. Underwriting of public issues and offer or sale of industrial securities.
2. Direct subscription to such securities.
3. Securing loans in rupees payable over periods up to 15 years.
4. Providing similar loans in foreign currencies for payment of imported capital
equipment and technical service.
5. Guaranteeing payments for credit made by others.
6. Providing credit facilities to manufacturers for promoting sale of industrial equipment
on deferred payment terms.
7. Providing financial services like leasing, installment sale and asset credit.

The ICICI sells securities from its own portfolio to the investors whenever it can get a
reasonable price for them. It does so for the dual purpose of revolving its resources for
new investments and for encouraging the investment habit in others and thereby
promoting a wide spread distribution of private industrial securities. Thus, unlike normal
investors the ICICI does not retain successful investments merely because they are
profitable.

ICICI assisted manufacturing industries in all sectors, that is, the private sector, the joint
sector, the public sector and the cooperative sector but the major beneficiary was the
private sector. ICICIs assistance comprised of foreign currency loans, rupee loans,
guarantees, and subscription of shares and debentures. The Corporation showed
increasing interest in the development of new industries in backward regions.
There was a remarkably significant increase in financial assistance by ICICI in

the issue of capital. Assistance is also provided for completion of formalities connected
with the public issue and of legal formalities for raising loans.

In 1982, the ICICI gave a new dimension to its merchant banking division by offering to
provided counseling for industrial investment in India to non-resident Indians and persons
origin living abroad. This is likely to prove not only the least expensive route for
technological up gradation but also a source of foreign currency funds by way of risk capital.

It has set up Venture Capital Funds for the promotion of green field companies and risk
capital investment and joined the other financial institutions in setting up SHCIL, CRISIL and
OTC Exchange of India Ltd. It has recently set up its own bank and a mutual fund like the UTI.

The Corporations vision has been extending far beyond its immediate function off unding
industrial projects. It has been looking at all sectors of the economy and wherever a need was
perceived, has designed either a new concept or a new instrument, or even a new institution to
cater to it. In this regard, its development activities have encompassed such diverse areas as
technology, financing, project promotion, rural development, human resources development
and publications.

BANKING PRODUCTS&SERVICES
Saving account
The 'saving account' is generally opened in bank by salaried persons or by the persons who
have a fixed regular income. This facility is also given to students, senior citizens, pensioners,
and so on
Saving accounts are opened to encourage the people to save money and collect their savings

In India, saving account can be opened by depositing 100 (approx. US $2) to 5000 (approx. US
$100). The saving account holder is allowed to withdraw money from the account as and when
required. The interest which is given on saving accounts is sometime attractive, but often nominal.
At present, the rate of interest ranges between 4% to 6% per annum in India. The interest rates vary as
per the amount of money deposited (lying) in the saving bank account, scheme opted, and its maturity
range. It is also subject to current trend of banking policies in a country.

Special Savings Account

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

Life Plus Senior Citizens Account

Carry out your day-to-day banking transactions independently with ICICI Banks Life Plus
Senior Citizens Savings Account, a saving account designed for our customers above 60
years of age.
We have special Senior Citizen desks at all our branches, where you can carry out all your
banking transactions, without having to wait in queues.

Fixed deposit
A sum of money given to a bank, financial institution or company whereby the
receiving entity pays interest at a specified percentage for the time duration of the
deposit. At the end of the time period of the deposit the amount that is originally given
is returned to the investor. Fixed deposits are also known as term deposits. Fixed
deposits are operated by ideal money.the interest is charge 9 to10% per annum.the
facilities are provided by fixed deposit receipt.

Recurring Deposit from ICICI Bank

Recurring deposits are a good investment option for small investors if they do
not have a lump sum amount to invest at one go, but wish to save a smaller sum
of money on a regular basis. As one of the leading private sector banks in India,
ICICI Bank offers its customers highly flexible RD options at competitive
interest rates. ICICI Bank RD is a good savings solution for investors who want
high returns on short term investments with low constraints on liquidity. The
bank offers both traditional RD scheme, as well as Flexible Recurring Deposit
Scheme called i-Wish which allows an optimal balance between liquidity and
returns. Flexible holding periods and easy payouts let depositors plan their
investments to suit their individual goals. A Recurring Deposit account with
ICICI Bank provides additional benefits such as: loan against the deposit, Tax
Deduction at Source (TDS) is not applicable, etc

Salary Account
ICICI Bank Salary Account is a benefit-rich payroll account for Employers and Employees.
As an organization, you can opt for our Salary Accounts to enable easy disbursements of salaries and
enjoy numerous other benefits. Additionally, ICICI Bank offers a host of advantages for your
employees like instant credit of salaries, offers on bill payments, Phone Banking, Free Internet
Banking and much more. To know more about the ICICI Bank Salary Accoun

Child Education Planning

Planning for your childs special education needs isnt an easy task, but its not
insurmountable either. While support services vary from state to state, all states are
required to assist your child in receiving the same education they provide every other
child in school. The resources in this section can help you develop a plan to address your
childs education needs

Tax saver fixed deposit

Tax saver fixed deposit is a type of fixed deposit by investing in which you can get tax
deduction under section 80C of the Indian Income Tax Act, 1961. Normally, tax saver
deposits are of two types - Single holder Type Deposits" and Joint holder Type
Deposits. Such deposits are offered for a lock-in period of 5 years. Any investor can
claim a deduction of maximum Rs.1, 50,000 by investing in tax saver fixed deposits.

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. Yes, your child can now surf the Net and access all the details of his / her
account at the click of a mouse! No need to visit the bank branch at all.

HOME LOAN
ICICI Bank is provider home loan in the country. It offers some unbeatable benefits to its
customers like doorstep services.

PERSONAL LOAN
ICICI Bank provides personal loan to its customers which is easy to get and is absolutely
hassle free. The public can get Rs.15 lakh loan with minimum documents.

CAR LOANICICI Bank has also become the countries bank in giving car loans. It has tied up with all
the leading automobiles manufacturers to ensure the best deals. It has flexible schemes
and quick processing.

COMMERCIAL VEHICLE LOAN

It has services like funding of new vehicles, refinance on used vehicles, balance transfer on
high cost loans top-up on existing loans,

TWO WHEELER LOANS

ICICI Bank also provides two wheeler loans at competitive interest rates and has also
became the no.1 bank in financing two wheelers loans. It finances 90 percent of the ON
ROAD Cost of the vehicle. And it also provides convenient options and comfortable
tenors from 6 month to 36 months.

CARDS
ICICI Bank offers a variety of cards to suit our different transactional needs. Their range
includes Credit Cards, Debit Cards and Prepaid cards. These cards offer the customers
convenience for their financial transactions like cash withdrawal, shopping and travel.
These cards are widely accepted both in India and abroad. Details and features of each
types of cards are given below. CREDIT CARDS DEBIT CARDS TRAVEL CARDS
PREPAID CARDS PURCHASE CARDS BUSINESS CARDS

CREDIT CARDS
ICICI Bank Credit Cards give the customers the facility of cash, convenience and a range
of benefits, anywhere in the world. These benefits range from life time free cards,
Insurance benefits, global emergency assistance service, discounts, utility payments,
travel discounts and much more.

Some of the important features of CREDIT CARDS are as followsBalance transfer facility Global emergency assistance service Wide acceptance Photo card
Self set limit Cash advance facility

DEBIT CARDS
The ICICI Bank Debit Card is a revolutionary form of cash that allows customers to
access their bank account around the clock, around the world. The ICICI Bank Debit
Card can be used for shopping at more than 3.5 Lakh merchants in India and 24 million.

This debit card enables instant on-line debit to their ICICI Bank account. Every time they
can swipe their card at restaurants, shops, petrol pumps, multiplexes, etc., the amount
that they have spent is debited to their account

Its debit card is accepted at over 3.5 Lakh merchant establishments in India i.e.
restaurants, department stores, grocery stores, petrol pumps, etc. Besides, they can use it
conveniently at more than 3,000 ICICI Bank ATMs and more than 18,000
VISA/MasterCard ATMs all over Travel the world and enjoy the freedom of using the
debit card. This debit card gives them access to over 24 million shops and 1 million Visa
ATMs all over the world giving them the freedom of payment anywhere in the world.

TRAVEL CARDS ICICI Bank also provides Travel Cards. The Hassle free way to Travel
the world. Traveling with US Dollar, Euro, Pound Sterling or Swiss Francs; Looking for
security and convenience; take ICICI Bank Travel Card. Issued in duplicate. Offers the
Pin based security. Has the convenience of usage of Credit or Debit card.

ICICI Banks travel cards have many benefits. Some of they are given below- Easy
purchase Easy cash withdrawal Easy shopping Replacement card Online account access
Internet transaction Best exchange rates Best security features Emergency medical and
travel assistance

PRE-PAID CARDS
ICICI Bank brings to the customers a complete bouquet of pre-paid cards providing
payment solutions at their fingertips. ICICI Bank pre-paid cards are a safe & convenient

way for associate payments, disbursements, gifting & small ticket transactions. Pre-paid
cards are available on a VISA platform thus providing accessibility to over 3.5 Lakh
merchant establishments & cash withdrawal from all VISA ATMs in India.

Pre-Paid cards have three types of cards

Annuity cards Pre-direct cards Easy cash cards Annuity cards ICICI Bank along with
ICICI Prudential Life Insurance has created a unique offering for the Annuity Plan
holders. Annuity plan holders usually get the annuity paid through bank cheques. They
have made life easier for the customers by introducing the first card based Annuity
payment program. Annuity payment solution will be managed by ICICI Bank. ICICI
Bank will issue prepaid cards to the Annuity plan holders. The monthly annuity will be
loaded on the prepaid card held by the customer. The customer will be able to use the
ICICI Bank ICICI Prudential Life Annuity Card at the merchant outlets and all the
ICICI Bank ATMs.

EASY CASH CARDS

Easy Cash Pre-paid Card is a non-photo card. It is a pre-paid card with magnetic stripe.
Re-loadable prepaid card: The card will be a pre-paid card with magnetic stripe and can be
loaded in rupees

Minimum balance requirement:

There is no minimum balance requirement.

Spending limits
Daily usage of up to Rs.25000 can be done through this card.

24 hour cash withdrawal

The card can be used to withdraw cash and do on-line POS transactions from any VISA
ATM. The VISA ATM can be accessed using 4 digits PIN provided with welcome kit.

Accepted at all visa merchants:

The card is accepted by all merchants accepting VISA electron cards. One can just
present the card, sign on charge slip & be debited for exact amount. The card is free of
transaction fee.

Validity:
The Card will be valid up to 3 years. Before the end of 3years, a new card will be issued
to all the active cardholders.

Balance enquiry:
The balance on the card can be determined at ICICI Bank ATM or by calling at ICICI
call center

PRE-DIRECT CARDS Minimum Balance

There is no minimum balance requirement for the Annuity card

Transactions Supported:
The Annuity card can be used to withdraw cash and do online POS transactions from any
VISA ATM or merchants accepting VISA cards. The card can be used in India, Nepal and
Bhutan.

Spend Limits:
You can withdraw upto a maximum of Rs. 25,000/- per day in cash from ATMs

Prepaid Value

Annuity Card can be loaded in rupees for any amount.

Validity
The card will be valid for a period of ten (10) years. Before the end of three years a new
card will be mailed to your mailing address

Statement
You will receive an e-statement through email to the given e-mail address once every
month.

On-line Account Access:

You will get Internet Login Id and password to log into the system on-line and check on
card balance and statements

Cash

withdrawal Fee

cash withdrawals will be free at ICICI Bank ATMs per month. At non-ICICI Bank
ATM, the charges will be Rs 30/- per transaction

BUSINESS CARDS
The ICICI Bank Business Card is aimed at SMEs as an enabler for their business. The
Business card is a smart alternative to cheques, cash, and personal credit cards. With its
purchasing convenience, cost savings, available credit, and detailed reporting facilities,
the ICICI Bank Business Credit offers what their
business needs to stay on top.

FEES & CHARGES

Transaction type

Transaction charges

Joining Fee

ZERO

Annual Fee

ZERO

Interest Charge

1.99% Per Month.

Cash withdrawal from VISA ATM's

1% of withdrawal amount subject to a

minimum of Rs.100

Late Payment Charge

1% of Total Amount Due subject to a

Min of Rs.100 and Max. Rs. 500

INVESTMENT AND INSURANCE

Apart from deposits products and loan offerings ICICI Bank also offers various
investment options that ranges from ICICI Bank tax savings bond to equity
investments through initial public offer and investment in pure gold.

It provides following investment products.

ICICI Bank Tax Saving Bonds
Government of India Bonds
Investment in Mutual Funds
Initial Public Offers by Corporate
Investment in "Pure Gold"
Foreign Exchange Services
Senior Citizens Savings Scheme, 2004

Any investment can be made through any branch of ICICI Bank. It also provides the ease
of investing through electronic channels like ATMs and Internets. DEMAT SERVICES
ICICI DEMAT service has over 11.5 lakh account holders .It offers following features to
its customers.

e-Instructions:
Through this anyone can transfer securities 24 hours a day and 7 days a week through
internet at a lower cost. It can also be done through customer care officer.

Consolidation Demat Account

Through this anyone can dematerialize their physical shares in various holding patterns
and consolidate all such scattered holdings into their primary demat accounts at reduced
costs.

DIGITALLY SIGNED STATEMENT

Through this any account holder can receive their account statement and bill by email.

Mobile Request
Account holder can access their de-mat account by sending sms to enquire about holdings,
transactions ,bills & ISIN details.

Mobile Alerts:
The account holder can receive sms alerts for all debits, credits as well as any request
which cannot be processed. Dedicated customer care executives specially trained at their
call centre, to handle all queries. Countrywide network of over 235 branches, one is never

far from an ICICI Bank Demat Services outlet Private Banking ICICI Bank also provides
private banking services.

NRI BANKING
Under NRI Banking ICICI Bank provides a variety of services
MONEY TRANSFER
BANK ACCOUNTS
INVESTMENTS
PROPERTY SOLUTIONS
INSURANCE
LOANS

MONEY TRANSFER
Under NRI Service ICICI Bank provides money transfer facility from one place to
another place of the world.

BANK ACCOUNTS

Under bank accounts ICICI Bank provides a number of accounts facilities .

Some of they are as follows-

Rupee savings account

Fixed deposits
Special accountStudents accounts
Seafarers account

Rupee savings account

Under rupee savings account ICICI Bank provides two types of account facilities.

They areNRE savings account

NRO savings account
Under fixed deposit it provides various account services. Some of they are as follows
NRE fixed deposit
NRO fixed deposit
NRE recurring deposit
FCNR fixed deposit

And under special accounts it provides two types of accounts. They are students accounts
and seafarers accounts.

INVESTMENTS
Under investments it provides various services. Some of they are as followsInternational deposit
Mutual fund
Online share trading
Structured deposit
Private equity
Commercial real state

PROPERTY SOLUTIONS
Under property solutions it provides some services to the customers. Like it provides
home loan to the customers. It also provides help to the customers in searching houses.

INSURANCE

Under insurance ICICI Bank provides both general as well as life insurance services to

its customers.

LOANS
ICICI Bank provides loans to the customers against their deposits.

CORPORATE BANKING
ICICI BANK gives a number of facilities under corporate banking services.

CORPORATE NET BANKING

CASH MANAGEMENT
TRADE SERVICES
TRADEWAY
FOREX ONLINE
SME SERVICES
ONLINE TAXES

CORPORATE NETBANKING
Corporate Internet Banking (CIB), facilitates banking from their desk. At the click of a
mouse the customers can access their accounts at ICICI Bank and also keep track of
their accounts at its various branches in India.

Account Information
Real time balance information and summary of days transaction.

Fund Transfers

Manage their Supply-Chain network, effectively by using its Corporate Internet Banking
fund transfer mechanism.

CASH MANAGEMENT
ICICI Bank is a leading player in the field of Cash Management Services (CMS) market.
Its Cash Management Service is technology driven with a versatile software, hardware
and network support. Customized daily transaction reports and web-enabled reports are
offered regularly to its clients. CMS solutions are designed to be company-specific
allowing a corporate to efficiently manage its treasury. Cash management products covers
both collections and payments.

Collection Products
Local Cheque Collections
One of the largest network spanning over 488 locations
Courier pick-up can be provided
Process flow can be structured to suit the companys requirements

Cash Collections
Cash Collection from dealers and business associates on behalf of companies
Cash pick-up facility in 28 locations
Customized MIS for cash collection
Payment Products

Anywhere Banking Cheques issued payable at par at various ICICI Bank locations

single account to be operated at any ICICI Bank branch for this facility Ideal for small
value, large volume payments

Fund Transfers
Online transfer of funds between accounts maintained with any branch of ICICI Bank.

TRADE SERVICES
ICICI Bank offers a wide range of Trade Services designed to assist you in building on
your strengths, so that your company can size business opportunities across the world.
ICICI Bank has in place a Centralized Trade-Services Unit, which adheres to six sigma
standards. As a result, ICICI Bank customers experience fewer delays in receiving
payment, require less effort in locating collection information, gain increased control over
foreign receivables and experience improved cash flows.

Online Trade Services

ICICI Bank customers can effect remittances as well as get their applications for issuance
of Letters of Credit and Bank Guarantees processed online.

This not only extends tremendous convenience to the entire process, but also allows the
customer to enjoy the benefits of simplified documentation, online verification of status
and savings in cost and time. Online Trade Services can be availed by enrolling for
Corporate Internet Banking (CIB) offered by ICICI Bank.

Besides it also provides various other services.

Advisory services
Export document tracking facilities
Trade facilitation services
Country scan
Concepts in international trade

TRADEWAY SERVICES
ICICI Bank provides trade way services. It has following benefitsSingle point of contact for all the India bound collections.
Efficient Document Handling and Payment Collection Services

Cost / Time Advantages through economies of scale

Online status enquiry facility.
Leveraging of ICICI Banks extensive domestic network and area coverage
Specialized processing team with expertise in Trade Services.

FX ONLINE SERVICE
FX Online is a real time foreign exchange trading system which provides automated
quotes for FX spots & FX forwards.

FX Online Features
Competitive and transparent quotes from ICICI Bank treasury.
Transaction in a secure network..
Instantaneous deal confirmation.
User defined controls for currency, amount and transaction type.

SME- SERVICESICICI Bank also offers some services to the customers. The customers business now has
end to end solutions on which they can depend. From the anytime anywhere convenience
of Roaming Current Account to forex remittance services that simplify and speed up their
business.

ONLINE TAXESICICI Bank also provides online taxes facilities.

ONLINE SERVICE
INTERNET BANKING
FOREX ONLINE
DEBT ONLINE
BILLS PAYMENT
TRADE SERVICES
CASH MANAGEMENT

SECURITIES MARKET

ONLINE SERVICE
For online service there must be a corporate id and an user id and password.

FOREX ONLINE
For this again there must be an separate user id and password. DEBT ONLINE-Again
Separate user id and password is important for this.

DEBT ONLINE
Debt Online is a transaction platform that offers a transparent and paperless way of
investing in debt instruments in a secure environment.

Debt Online Features

Live quotes for Government of India securities from ICICI Group.

Chat facility to negotiate with dealers and conclude your deal.
Straight through processing using a CSGL account. This ensures a smooth and automated
settlement process.

BILLS PAYMENT
Electronic Bill Presentment and Payment is a powerful tool for managing Supply-Chain
network. EBPP facilitates online presentment and payment of bills, which eliminates all
the paper work, minimizes risks and leads to better relationship between customer.

Bills Payment features and benefits.

Creation of a Closed User Group, between a company and its channel partners for online
presentment and payment. For e.g. A vendor can present

Bills to a company and the company can make an online payment to the vendor. There is
flexibility of making immediate or a scheduled payment.

The bill payment gateway can also be seamlessly integrated to a web based ordering
system of a corporate, facilitating online presentment and payment

The payment of utility bills like electricity, telephone, mobile, etc. can also be done. ICICI
Bank has tied up with around 50 utility companies across the country.

Online Trade Services

ICICI Bank customers can effect remittances as well as get their applications for issuance
of Letters of Credit and Bank Guarantees processed online. This not only extends
tremendous convenience to the entire process, but also allows the customer to enjoy the
benefits of simplified documentation, online verification of status and savings in cost and
time. Online Trade Services can be availed by enrolling for Corporate

Internet Banking (CIB) offered by ICICI Bank. By clicking on any of the links to enter
CIB .If one become an existing ICICI Bank customer.

Besides this ICICI Bank also provides Advisory services to its customers. So that they
can know forex markets, currency movements, regulatory issues, risk management and
other issues in trade finance. So According to that they can plan their business.

ICICI Bank also provides latest movements in currency to their customers.

ICICI Bank constantly customizes solutions and introduces innovative products for its
trade services clients.
Apart from these facilities ICICI Bank provides a number of other trade related services
to its customers. some of they are gives hereunder.
Export development facility Service
Trade facilitation service
Country scan
Concepts in international trade

TRADEWAY SERVICE
ICICI Bank introduced trade way service to provide international banking gateway for
India related trade business. It has some benefits to its customers-

Single point of contact for all the India bound collections.

Efficient Document Handling and Payment Collection Services..
Cost / Time Advantages through economies of scale..

Online status enquiry facility.

Leveraging of ICICI Banks extensive domestic network and area coverage.
Specialized processing team with expertise in Trade Services.
Pre-transaction and post-transaction analytical tools available on the site.
It allows us to monitor our transactions at any time we wish.
ICICI Bank also provides mobile banking services to all its bank, credit card, demat and
its loan customers.
ICICI Bank Mobile Banking can be divided into two broad categories of facilities:

ALERT FACILITY
REQUEST FACILITY
Alert Facility
This facility keeps the customers informed about the significant transactions in their
accounts. It keeps them updated at regular point of time. Request Facility-This facility
enables the customers to carry for their account balance.