COMPANY PROFILE

ICICI Bank is India's second-largest bank with total assets of Rs. 4,736.47 billion (US$ 93 billion) at March 31, 2012 and profit after tax Rs. 64.65 billion (US$ 1,271 million) for the year ended March 31, 2012. The Bank has a network of 2,765 branches and 9,363 ATMs in India, and has a presence in 19 countries, including India. 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 specialised subsidiaries 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 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. Our UK subsidiary has established branches in Belgium and Germany. 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).

RETAIL BANKING OF ICICI

The Retail Banking of ICICI Bank is broadly classified under three heads: 1. Account Management 2. Asset Management 3. Third Party Products

1. Account Management This is further divided into A. B. C. D. Savings Account Current Account Fixed Deposit Account Non Resident Indian

A. Savings Account is also known as Household Account (HH) in ICICI Bank. There are 4 types of Savings Account i. Normal Account-Monthly Average Balance of Rs.10000 is mandatory. ii. Prime Gold Account-Monthly Average Balance of Rs.50000 is mandatory. iii. Titanium Account-Monthly Average Balance of Rs.75000 is mandatory. iv. Wealth Account-Monthly Average Balance of Rs. 2,50,000 is mandatory.

The Titanium and the Wealth Account Holders have the added advantage as the bank takes care of the Total Relationship Value (TRP).Total Relationship Value is total business that these prime account holders does with the bank. The bank maintains only a single account for such type of customers as their investment portfolio is large to provide convenience. The ATM cum Debit Card of the Account holders is known as Grid Card. The main feature of this card is that it can also be dealt as foreign exchange currency across the globe. If a person uses this card in other countries then a remittance charge plus Rs.125 per transaction is charged from the customer.

B. Current Account-There are four types of Current Account namely i. Standard-MAB of Rs.10000 is mandatory by the firm. ii. Classic-MAB of Rs.40000 is mandatory by the firm. iii. Gold-MAB of Rs.50000 is mandatory by the firm. iv. IVY-MAB of Rs.200000 is mandatory by the firm. These account holders are no charged for any transaction pan India either for NEFT or RTGS/Inter State Cheque Transfer. v. M20-This is a customised account which is designed according to the specifications of the customers. The product is designed at Bombay Corporate Office. The specifications are taken at the specific branch and then forwarded to the Corporate Office. The total time taken for creation of such account depends on the specifications given by the firm (aprrox.15-20 days). There is no Monthly Average Balance for such type of accounts. The banks are always more keen to open Current Account because they will give more transaction as compared Savings Account holders. Moreover the bank will need to give more interest to the holders in Savings and other type of accounts.

2. Asset Management A. House Loan B. Asset Loan C. Joint Loan D. Credit Card

E. Personal Loan F. LAP

3. Third Party Products A. Life Insurance-ICICI Prudential B. General Insurance-ICICI Lombard C. Mutual-ICICI Asset Management D. Demat-ICICI Securities