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ICICI Bank
ICICI Bank Ltd.
Type Traded as
Public [1] BSE:532174 [2] NSE:ICICIBANK [3] NYSE:IBN Banking, Financial services 1994
Industry Founded
Headquarters Mumbai, Maharashtra, India Area served Key people Products Worldwide Chanda Kochhar (MD & CEO) Credit cards, Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, wealth management US$ 13.812 billion (2011) US$ 1.366 billion (2011) [4]
[4] [4]
www.icicibank.com
ICICI Bank Ltd. (NSE:ICICIBANK [2], BSE:532174 [1], NYSE:IBN [3]) is India's second largest financial services company headquartered in Mumbai, India. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank has a network of 2,533 branches and 6,800 ATMs in India, and has a presence in 19 countries, including India.[6] The bank has subsidiaries in the United Kingdom, Russia, and Canada; branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre; and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The company's UK subsidiary has established branches in Belgium and Germany.[7] ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).
ICICI Bank
Corporate history
ICICI Bank was established in 1994 by the Industrial Credit and Investment Corporation of India, an Indian financial institution, as a wholly owned subsidiary. The parent company was formed in 1955 as a joint-venture of the World Bank, India's public-sector banks and public-sector insurance companies to provide project financing to Indian industry.[8] [9] The bank was initially known as the Industrial Credit and Investment Corporation of India Bank, before it changed its name to the abbreviated ICICI Bank. The parent company was later merged into ICICI Bank. ICICI Bank launched internet banking operations in 1998.[10] ICICI's shareholding in ICICI Bank was reduced to 46percent, through a public offering of shares in India in 1998, followed by an equity offering in the form of American Depositary Receipts on the NYSE in 2000. ICICI Bank acquired the Bank of Madura Limited in an all-stock deal in 2001, and sold additional stakes to institutional investors during 2001-02. 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.[11] In 2000, ICICI Bank became the first Indian bank to list on the New York Stock Exchange with its five million American depository shares issue generating a demand book 13 times the offer size. 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.[12] In 2008, following the 2008 financial crisis, customers rushed to ATM's and branches in some locations due to rumors of adverse financial position of ICICI Bank. The Reserve Bank of India issued a clarification on the financial strength of ICICI Bank to dispel the rumors.[13]
Corporate governance
Group Anti Money Laundering Policy
The ICICI Group AML Policy establishes the standards of AML compliance and is applicable to all activities.[14]
Code of Conduct
ICICI Bank has formulated a Code of Business Conduct and Ethics for its directors and employees.[15]
ICICI Bank communication network.[16] Credit Rating Information Services of India Limited In 1987, ICICI Ltd. along with UTI set up CRISIL as India's first professional credit rating agency. CRISIL offers a comprehensive range of integrated products and service offerings which include credit ratings, capital market information, industry analysis and detailed reports.[17] National Commodities and Derivatives Exchange Limited NCDEX is a professionally managed online multi-commodity exchange, set up in 2003, by ICICI Bank Ltd, LIC, NABARD, NSE, Canara Bank, CRISIL, Goldman Sachs, Indian Farmers Fertiliser Cooperative Limited (IFFCO) and Punjab National Bank.[18] Financial Innovation Network and Operations Pvt Ltd. ICICI Bank has facilitated setting up of "FINO Cross Link to Case Link Study" in 2006, as a company that would provide technology solutions and services to reach the underserved and underbanked population of the country. Using cutting edge technologies like smart cards, biometrics and a basket of support services, FINO enables financial institutions to conceptualise, develop and operationalise projects to support sector initiatives in microfinance and livelihoods.[19] Entrepreneurship Development Institute of India Entrepreneurship Development Institute of India (EDII), an autonomous body and not-for-profit society, was set up in 1983, by the erstwhile apex financial institutions like IDBI, ICICI, IFCI and SBI with the support of the Govt. of Gujarat as a national resource organisation committed to entrepreneurship development, education, training and research.[20] North Eastern Development Finance Corporation North Eastern Development Finance Corporation (NEDFI) was promoted by national level financial institutions like ICICI Ltd in 1995 at Guwahati, Assam for the development of industries, infrastructure, animal husbandry, agri-horticulture plantation, medicinal plants, sericulture, aquaculture, poultry and dairy in the North Eastern states of India. NEDFI is the premier financial and development institution for the North East region.[21] Asset Reconstruction Company India Limited Following the enactment of the Securitisation Act in 2002, ICICI Bank together with other institutions, set up Asset Reconstruction Company India Limited (ARCIL) in 2003, to create a facilitative environment for the resolution of distressed debt in India. ARCIL was established to acquire non performing assets (NPAs) from financial institutions and banks with a view to enhance the management of these assets and help in the maximisation of recovery. This would relieve institutions and banks from the burden of pursuing NPAs, and allow them to focus on core banking activities.[22] [23] Credit Information Bureau of India Limited ICICI Bank has also helped in setting up Credit Information Bureau of India Limited (CIBIL), Indias first national credit bureau in 2000. CIBIL provides a repository of information (which contains the credit history of commercial and consumer borrowers) to its members in the form of credit information reports. The members of CIBIL include banks, financial institutions, state financial corporations, non-banking financial companies, housing finance companies and credit card companies.[24]
ICICI Bank
Go Green Initiative
The Go Green Initiative is an organisation wide initiative that moves beyond moving people, processes and customers to cost effective automated channels to build awareness and consciousness of our environment,our nation and our society.[26]
Objective
ICICI Banks Green initiatives range from Green offerings/incentives, Green engagement to Green communication with their customers.[27]
ICICI Bank As an initiative towards more environment friendly way of life, Auto loans offer 50% waiver on processing fee on car models which uses alternate mode of energy. The models identified for the purpose are, Maruti's LPG version of Maruti 800, Omni and Versa, Hyundai's Santro Eco, Civic Hybrid of Honda, Reva electric cars, Tata Indica CNG and Mahindra Logan CNG versions.[26]
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 Foundation
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
Awards
2004: Best Bank in India Award presented by Euromoney Magazine[30] 2007: ICICI Bank has been conferred the Euromoney Award 2007 for the Best Bank in the Asia-Pacific Region[31] 2007: ICICI Bank wins the Excellence in Remittance Business award by The Asian Banker[32] 2009: ICICI Bank bags the "Best bank in SME financing (Private Sector)" at the Dun & Bradstreet Banking awards[33] 2011: ICICI Bank is the only Indian brand to figure in the BrandZ Top 100 Most Valuable Global Brands Report, second year in a row[34] 2011: ICICI Bank ranked 5th in the list of "57 Indian Companies", and 288 th in World Rankings in Forbes Global 2000 list.[35]
ICICI Bank 2011: ICICI Bank has won the "Banking Technology Awards 2010" at The Indian Banks Association in the following categories[36] 2011: ICICI Bank was recognized for its Special Citation of the Fully Electronic Branch Service Channel, first set up at Hiranandani Estate, Thane, at the Financial Insights Innovation Awards held in conjunction with Asian Financial Services Congress[37] 2011: For the second year in a row, ICICI Bank was ranked 70th in the Brandirectory league tables of the worlds most valuable brands by, The BrandFinance Banking 500[38] 2011: ICICI Bank was ranked 1st in the Banking and Finance category and 9th in the "2010 Best Companies To Work For" by Business Today[39] 2011: ICICI Bank UK, HiSAVE product range has been awarded the Consumer Moneyfacts Awards 2011 for the 'Best Online Savings Provider'[40] 2011: For the second consecutive year, ICICI Bank was ranked second in the "India's 50 Biggest Financial Companies" , in The BW REAL 500 by Business World[41] 2011: ICICI Bank was one of the winners in the Global Awards for Enterprise & IT Architecture Excellence. ICICI Bank bagged the award in the Business Intelligence and Analytics' category.[42] 2011: The Brand Trust Report ranks ICICI among the top 4 most trusted financial institutions.[43]
ICICI Bank In another case of a suicide it is alleged that goondas sent by ICICI Bank abused Himanshu and his wife in front of the entire residential colony before taking away his vehicle. Feeling frustrated and insulted, he reportedly committed suicide.[62] C.L.N Murthy, a scientist with the Hyderabad-based Indian Institute of Chemical Technology, was allegedly tortured by recovery agents of ICICI Bank after he defaulted on his loan.They humiliated me no end. They ripped my shirt, shaved my moustache, cut my hair and gave electric shocks on my chest and even spat on my face" adds Murthy.[63] A dozen recovery agents of ICICI Bank, riding on bikes, allegedly forced a prominent lawyer, Someshwari Prasad, to stop his car. They held Prasad at gunpoint and also slapped him to force him. A manager of the ICICI Bank branch, Rakesh Mehta, along with four other employees were arrested.[64] In a landmark case, Allahabad High Court had ordered registration of an FIR against ICICI Bank's branch manager, President, Chairman and Managing Director on a complaint of 75-year-old widow Prakash Kaur. She had complained that goondas were sent by the bank to harass her and forcibly took away her truck.[65] When the Supreme Court wanted to know about the procedure adopted by the Bank, ICICI Bank counsel said notice would be sent to a defaulter asking him either to pay the instalments or hand over the vehicle purchased on loan, failing which the agents would be asked to seize it. When the Bench pointed out that recovery or seizure could be done only legally, ICICI Bank counsel said, "If we have to go through the legal process it would be difficult to recover the instalments as there are millions of defaulters".[66] Taking strong exception to ICICI Bank's use of 'goondas' against a defaulter, the president of Consumer Disputes Redressal Forum said, "The fact leaves us aghast at the manner of functioning and goondaism in which the bank is involved for a petty amount of Rs 1,889... such attitude is deplorable and sends chills down the spine....The bank had the option to recover dues through legal means. They have no legal right to snatch the vehicle in such a manner which amounts to robbery,". In this case recovery agents pointed a pistol at a defaulter when he tried to resist. ICICI bank argued that they had taken peaceful possession of the vehicle "after due intimation to the complainant as he was irregular in remitting the monthly instalments". But the court found out that the records proved otherwise.[67] Two senior ICICI Bank officials were booked for abducting one Vikas Porwal from his house and keeping him hostage in the Bank's premises.[68] A Consumer Commission has asked ICICI Bank MD K V Kamath to appear before it in respect a complaint. A borrower on protesting against the forceful dispossession of his car, as seen in the post-incident photographs, was roughed up and sustained injuries.[69]
References
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ICICI Bank
[15] http:/ / www. icicibank. com/ aboutus/ pdf/ code_of_business_conduct_ethics. pdf [16] http:/ / www. nseindia. com/ [17] "A global analytical company providing Ratings, Research, and Risk and Policy Advisory services" (http:/ / www. crisil. com/ index. jsp). CRISIL. 2011-06-30. . Retrieved 2011-07-30. [18] "Commodity Market|Commodity Price|Futures|Trading|Bullion|Indian Commodity Exchange|Agri Commodity Price|Commodities" (http:/ / www. ncdex. com/ ). NCDEX. . Retrieved 2011-07-30. [19] "FINO" (http:/ / fino. co. in/ ). FINO. . Retrieved 2011-07-30. [20] "EDII" (http:/ / www. ediindia. org/ ). EDII. . [21] "North Eastern Development Finance Corporation Ltd" (http:/ / www. nedfi. com/ ). Nedfi.com. . Retrieved 2011-07-30. [22] "home" (http:/ / 203. 115. 117. 202/ Arcil1/ index. html). 203.115.117.202. 2010-06-10. . Retrieved 2011-07-30. 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[35] "57 Indian firms in Forbes Global 2000 list" (http:/ / articles. timesofindia. indiatimes. com/ 2011-04-23/ international-business/ 29466138_1_indian-firms-profits-indian-companies). articles.timesofindia.indiatimes.com. 2011-04-23. . Retrieved 2011-04-23. [36] "IBA Awards" (http:/ / www. hdfcbank. com/ aboutus/ awards/ IBA_Awards_Mar11. htm). . . Retrieved 2011-08-30. [37] "ICICI Bank was recognized for its Special Citation of the Fully Electronic Branch Service Channel" (http:/ / www. idc. com/ AP/ pressrelease. jsp?containerId=prSG22679911). . . Retrieved 2011-01-31. [38] "ICICI Bank was ranked 70th in the Brandirectory league tables of the worlds most valuable brands" (http:/ / www. brandirectory. com/ league_tables/ table/ global_banking_500/ index. php?page=2). . . [39] "ICICI Bank was ranked 1st in the Banking and Finance category and 9th in the "2010 Best Companies To Work For" by Business Today" (http:/ / businesstoday. intoday. in/ story/ best-companies-to-work-for-survey/ 1/ 12570. html). . . Retrieved 2011-02-06. [40] "ICICI Bank UK, HiSAVE product range has been awarded the Consumer Moneyfacts Awards 2011 for the 'Best Online Savings Provider'" (http:/ / www. moneyfactsgroup. co. uk/ awards/ 2011/ ca/ winners. asp). . . [41] "For the second consecutive year, ICICI Bank was ranked second in the "India's 50 Biggest Financial Companies" (http:/ / www. businessworld. in/ businessworld/ businessworld/ content/ Indias-50-Biggest-Financial-Companies. html). http:/ / www. businessworld. in/ businessworld. & #32;2011-10-15. . Retrieved 2011-10-15. [42] "For the second consecutive year, ICICI Bank was ranked second in the "India's 50 Biggest Financial Companies" (http:/ / news. yahoo. com/ icmg-award-24-winners-global-excellence-enterprise-architecture-094214472. html). http:/ / news. yahoo. com. & #32;2011-08-09. . Retrieved 2011-10-15. [43] "Components of trust that brands can focus on" (http:/ / www. thehindubusinessline. com/ features/ brandline/ article2029427. ece). thehindubusinessline.com. 2011-05-18. . [44] "RBI norms violated" (http:/ / www. business-standard. com/ india/ news/ icici-hdfc-bank-violating-normsrecovery-agents-govt/ 104265/ on). Business Standard. . [45] Deeksha Chopra, TNN, Nov 6, 2007, 02.04pm IST (2007-11-06). "Times of India" (http:/ / timesofindia. indiatimes. com/ Business/ India_Business/ Bank_uses_goons_fined_Rs_55_lakh/ articleshow/ 2521719. cms). Timesofindia.indiatimes.com. . Retrieved 2010-08-19.
ICICI Bank
[46] Express news service. "ExpressIndia.com" (http:/ / www. expressindia. com/ latest-news/ ICICI-Bank-fined-Rs-50-lakh-Its-recovery-agents-had-beaten-up-man-with-iron-rod/ 236573/ ). ExpressIndia.com. . Retrieved 2010-08-19. [47] "Hindustan Times" (http:/ / www. hindustantimes. com/ Redir. aspx?ID=c6955e8f-a4e2-428c-8dba-16e33185060c). Hindustan Times. 2007-11-06. . Retrieved 2010-08-19. [48] "IBNLive.com" (http:/ / www. ibnlive. com/ news/ icici-fined-rs-55-lakh-for-using-goons-to-recover-loan/ 51782-15. html). IBNLive.com. 2010-02-03. . Retrieved 2010-08-19. [49] "Hindu.com" (http:/ / www. hindu. com/ 2007/ 11/ 07/ stories/ 2007110751790300. htm). Hindu.com. 2007-11-07. . Retrieved 2010-08-19. [50] Y V Reddy. "MoneyControl.com" (http:/ / www. moneycontrol. com/ india/ news/ business/ icici-bank-filed-rs-50-lakh-for-customer-harassment/ 20/ 43/ 311978). MoneyControl.com. . Retrieved 2010-08-19. [51] Our Legal Correspondent (2007-11-06). "Telegraph India" (http:/ / www. telegraphindia. com/ 1071106/ asp/ nation/ story_8515938. asp). Telegraph India. . Retrieved 2010-08-19. [52] TNN, Nov 23, 2007, 01.06am IST (2007-11-23). "Times of India" (http:/ / timesofindia. indiatimes. com/ India/ 4_loan_recovery_agents_held_on_theft_charges_in_Punjab/ articleshow/ 2563336. cms). Timesofindia.indiatimes.com. . Retrieved 2010-08-19. [53] TNN, Nov 21, 2007, 03.10am IST (2007-11-21). "Times of India" (http:/ / timesofindia. indiatimes. com/ Pune/ ICICI_Bank_told_to_pay_Rs_1_lakh/ articleshow/ 2557520. cms). Timesofindia.indiatimes.com. . Retrieved 2010-08-19. [54] "Rupee Times" (http:/ / www. rupeetimes. com/ news/ car_loans/ icici_bank_warned_by_rbi_over_improper_loan_recovery_methods_1211. html). Rupee Times. . Retrieved 2010-08-19. [55] TNN, Sep 19, 2007, 12.03am IST (2007-09-19). "Times of India" (http:/ / timesofindia. indiatimes. com/ Cities/ Mumbai/ Recovery_agents_drive_man_to_suicide/ articleshow/ 2381387. cms). Timesofindia.indiatimes.com. . Retrieved 2010-08-19. [56] "tribuneIndia.com" (http:/ / www. tribuneindia. com/ 2007/ 20070921/ nation. htm#16). tribuneIndia.com. . Retrieved 2010-08-19. [57] "NewsTrackIndia.com" (http:/ / www. newstrackindia. com/ newsdetails/ 1027). NewsTrackIndia.com. 2007-09-28. . Retrieved 2010-08-19. [58] "IBNLive.com" (http:/ / www. ibnlive. com/ news/ banks-invest-in-carjackers-to-recover-loans/ 52079-3-p0. html). IBNLive.com. 2010-02-03. . Retrieved 2010-08-19. [59] Times of India (http:/ / timesofindia. indiatimes. com/ India/ 4_loan_recovery_agents_arrested/ articleshow/ 2148758. cms) [60] "Times of India" (http:/ / timesofindia. indiatimes. com/ Mumbai/ Bank_agents_give_family_a_rough_time/ articleshow/ 2269436. cms). Timesofindia.indiatimes.com. 2007-08-10. . Retrieved 2010-08-19. [61] TNN, Dec 1, 2005, 09.08pm IST (2005-12-01). "Times of India" (http:/ / timesofindia. indiatimes. com/ articleshow/ msid-1315099,prtpage-1. cms). Timesofindia.indiatimes.com. . Retrieved 2010-08-19. [62] "TribuneIndia.com" (http:/ / www. tribuneindia. com/ 2006/ 20060317/ delhi. htm#3). TribuneIndia.com. . Retrieved 2010-08-19. [63] "Tehelka.com" (http:/ / www. tehelka. com/ story_main32. asp?filename=Bu140707credit. asp). Tehelka.com. 2007-07-14. . Retrieved 2010-08-19. [64] Yahoo News (India) (http:/ / in. news. yahoo. com/ 050829/ 48/ 5zwy3. html) [65] "TribuneIndia.com" (http:/ / www. tribuneindia. com/ 2007/ 20070207/ nation. htm). TribuneIndia.com. 2005-11-17. . Retrieved 2010-08-19. [66] "Hindu.com" (http:/ / www. hindu. com/ 2007/ 02/ 07/ stories/ 2007020704121300. htm). Hindu.com. 2007-02-07. . Retrieved 2010-08-19. [67] "Rediff (India)" (http:/ / in. rediff. com/ money/ 2005/ oct/ 13icici. htm). In.rediff.com. 2005-10-13. . Retrieved 2010-08-19. [68] "IndiaeNews.com" (http:/ / www. indiaenews. com/ india/ 20070803/ 63919. htm). IndiaeNews.com. 2007-08-03. . Retrieved 2010-08-19. [69] "Rediff.com" (http:/ / www. rediff. com/ money/ 2007/ mar/ 22icici. htm). Rediff.com. 2004-12-31. . Retrieved 2010-08-19.
External links
Official website (http://www.icicibank.com/) ICICI Bank on IndianBanks.org (http://www.indianbanks.org/category/indian-banks/icici-bank/)
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