COMPANY PROFILE

List of Companies: -

1) Centurion Bank
2) HDFC
3) Max New York Life
4) ICICI Prudential
5) Reliance
6) Airtel
7) Tata AIG Insurance Company
8) Bajaj Allianz Life Insurance
9) TCS
10) Hindustan Lever Limited
11) ICICI Bank
12) HCL
13) Pennar Cements
14) Hutch
15) MetLife
16) MODI Xerox
 ICICI PRUDENTIAL

INTORDUCTION
We are an international financial services company, which
aims to help people around the world enhance and protect their
financial well-being by providing them with appropriate savings,
investment and protection products.

We operate and have strong positions in Asia, the UK and

the US – three of the largest and most attractive markets in the
world.

Our strategy is to use our unique strengths and capabilities

to build sustainable, profitable businesses in each of these
markets, and thereby maximize returns to our shareholders over
time.

MISSION
Our mission is to enhance and protect our customers’ and
their dependents’ financial well being, by offering a superior
range of savings, protection and other retail financial services
products.
Our Board of Directors
As at 31 December 2004, our Board comprised the
Chairman, six executive directors and seven independent
non-executive directors.

The quality of our Group’s leadership is fundamental to the

growth and success of our business and we are committed
to investing in the development of our senior management
and potential future managers. We regularly review the
overall strength of our senior leadership team to ensure that
we have the right mix of capabilities and skills required to
meet our performance ambitions.

Our non-executive directors offer a crucial independence of

judgement on a wide range of business, financial and global
experience to the Board.
 At Centurion, every customer is a customer of the bank and not
merely of a particular branch...
Centurion Bank has an extensive network of branches across India.
Each branch has access to Centurion Banks technologies to offer
you unparalled services.
Our Profile

Centurion Bank, as its very positioning suggests, has an

extensive network of branches across India. And each of these
branches are harnessed to state of the art technologies to offer
unparallel customer service. But of course, we go way beyond
merely offering our valued customers technology driven solutions.
Centurion Bank constantly endeavours to offer customised services
that are driven by customer requirements rather than just exhibiting
technological prowess.
Among Centurion Bank’s greatest strengths is the fact that it is
a professionally managed bank with a globally experienced
management team.

Service offered:
 Cash Management
 Depository Services
 Global Banking
 Treasury & Forex
 Corporate Loans
 Housing Finance Sector
Against the milieu of rapid urbanisation and a changing socio-
economic scenario, the demand for housing has grown explosively. The
importance of the housing sector in the economy can be illustrated by a
few key statistics. According to the National Building Organisation
(NBO), the total demand for housing is estimated at 2 million units per
year and the total housing shortfall is estimated to be 19.4 million units,
of which 12.76 million units is from rural areas and 6.64 million units
from urban areas. The housing industry is the second largest
employment generator in the country. It is estimated that the budgeted 2
million units would lead to the creation of an additional 10 million man-
years of direct employment and another 15 million man-years of indirect
employment.

Having identified housing as a priority area in the Ninth Five Year Plan
(1997-2002), the National Housing Policy has envisaged an investment
target of Rs. 1,500 billion for this sector. In order to achieve this
investment target, the Government needs to make low cost funds easily
available and enforce legal and regulatory reforms.

Background
HDFC was incorporated in 1977 with the primary objective of
meeting a social need – that of promoting home ownership by providing
long-term finance to households for their housing needs. HDFC was
promoted with an initial share capital of Rs. 100 million.
Business Objectives
The primary objective of HDFC is to enhance residential housing
stock in the country through the provision of housing finance in a
systematic and professional manner, and to promote home ownership.
Another objective is to increase the flow of resources to the housing
sector by integrating the housing finance sector with the overall
domestic financial markets.

Organisational Goals
HDFC’s main goals are to a) develop close relationships with
individual households, b) maintain its position as the premier
housing finance institution in the country, c) transform ideas into
viable and creative solutions, d) provide consistently high returns
to shareholders, and e) to grow through diversification by
leveraging off the existing client base.
 MAX NEW YORK LIFE

Vision
Become the most admired Life Insurance Company in India.

Mission

Become one of the top 3 new Life Insurance Companies

Become a National Player - Dominant in North India
Be the Brand of FIRST choice among all stakeholders
Become the employer of Choice
Be the principal of Choice for Agents

Values
 Together, Max India Limited and New York Life aim to
become India's preferred insurance brand. This vision will
be realized through our unique set of values, which are as
follows:

Businesses
 Healthcar
 Primary Care Segments
 Secondary Care Segments
 Tertiary Care Segments
 Life Insurance
 Tata-AIG Life Insurance
Vision Statement:

As much an institution as it is a business conglomerate, the

Tata Group is unique in more ways than one. Established by
Jamsetji Tata in the second half of the 19th century, the Group has
grown into one of India's biggest and most respected business
organisations, thanks in no small part to its entrepreneurial vision,
its commitment to ideals that put people before profits, and its
fortitude in the face of adversity.
Profile

Tata-AIG Life Insurance company is a joint venture between the

Tata Group and American International Group Inc (AIG), the
leading US-based international insurance and financial services
organisation and the largest underwriter of commercial and
industrial insurance in America.

Its member companies write a wide range of

commercial, personal and life insurance products through a variety
of distribution channels in approximately 130 countries and
jurisdictions throughout the world. AIG’s global businesses also
include financial services and asset management, including aircraft
leasing, financial products, trading and market making, consumer
finance, institutional, retail and direct investment fund asset
 management, real estate investment management, and retirement
savings products.

Areas of business

Tata-AIG Life Insurance products include a broad array

of life insurance coverage to both individuals and groups. For
groups, the company has life products whereas for individuals, it
has term products, endowment products as well as money-back
products. For groups and individuals, various types of add-ons and
options are available to give consumers flexibility and choice. The
company has also designed specific products for the financially
challenged and underpriviledged.
Location:- Mumbai

Business & Services it offers:-

The seven business sectors are

 Engineering
 Materials
 Energy
 Chemicals
 Services
 Consumer Products
 Information System
 Communications

RELIANCE
 Founder Chairman, Reliance Industries
Limited, India

Group Company: Reliance Industries Limited, India's

largest private sector company.

Reliance Group:
The Reliance Group founded by Dhirubhai H. Ambani (1932-
2002) is India's largest business house with total revenues
of over Rs 99,000 crore (US$ 22.6 billion), cash profit of Rs
12,500 crore (US$ 2.8 billion), net profit of Rs 6,200 crore
(US$ 1.4 billion) and exports of Rs 15,900 crore (US$ 3.6
billion).

Vision
To be amongst the most admired and most trusted
integrated utility companies in the world, delivering reliable
and quality products and services to all customers at
competitive costs, with international standards of customer
care - thereby creating superior value for all stakeholders.

Mission
To attain global best practices and become a world-class
utility.

• To provide uninterrupted, affordable, quality, reliable

and clean power to millions of customers.
• To achieve excellence in service, quality, reliability,
safety and customer care.
 AIR TEL

Bharti Tele-Ventures - Introduction

Bharti Tele-Ventures Limited, a part of Bharti Enterprises, is India's
leading provider of telecommunications services. The
businesses at Bharti Tele-Ventures have been structured
into two main strategic business groups - the Mobility
Leaders business group and the Infotel Leaders business
group. The Mobility business group provides GSM mobile
services across India in twenty three telecom circles, while
the Infotel business group provides broadband & telephone
services, long distance services and enterprise services. All
these services are provided under the Airtel brand.

VISION
By 2010 Airtel will be the most admired brand in India:

• Loved by more customers

• Targeted by top talent
• Benchmarked by more business

Airtel Becomes The First GSM Operator In The Country To Cross

The 10 Million-Customer Milestone

Airtel “Express Yourself” campaign wins two “Silvers” at the

prestigious AAAI awards for Brand Campaign of the Year and
Best Advertising Film, amidst stiff competition from 37
advertising agencies.

Airtel adds another first becomes the first private sector mobile
service to launch operations in J&K
Company Profile
Bharti Tele-Ventures is one of India's leading private sector
providers of telecommunications services based on an
aggregate of 16,561,699 customers as of November 30,
2005, consisting of 15,416,002 GSM mobile
and 1,145,697 broadband & telephone customers.

The businesses at Bharti Tele-Ventures have been structured

into two main strategic business groups - the Mobility
Leaders business group and the Infotel Leaders business
group. The Mobility business group provides GSM mobile
services across India in twenty-three telecom circles, while
the Infotel business group provides broadband & telephone
services, long distance services and enterprise services. All
these services are provided under the Airtel brand.

Company shares are listed on The Stock Exchange, Mumbai

(BSE) and National Stock Exchange of India Limited (NSE).

Bajaj Allianz Life Insurance

Company Limited
Bajaj Allianz Life Insurance Co. Ltd. is a joint venture between two
leading conglomerates- , Bajaj Auto, one of the biggest 2 and 3
wheeler manufacturers in the world and Allianz AG, one of the
world's largest insurance companies.

Bajaj Allianz Life Insurance

Is the fastest growing private life insurance company in
India.
Currently has over 3,00,000 satisfied customers
We have customer care centers in 155 cities with 28000
Insurancce Consultant providing the finest customer service.

One of India's leading private life insurance companies

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited is a joint

venture between Bajaj Auto Limited and Allianz AG of Germany.
Both enjoy a reputation of expertise, stability and strength.

Bajaj Allianz General Insurance received the Insurance Regulatory

and Development Authority (IRDA) certificate of Registration (R3)
on May 2nd, 2001 to conduct General Insurance business
(including Health Insurance business) in India. The Company has
an authorized and paid up capital of Rs 110 crores. Bajaj Auto
holds 74% and the remaining 26% is held by Allianz, AG,
Germany.

Bajaj Allianz today has a network of 42 offices spread across the

length and breadth of the country. From Surat to Siliguri and
Jammu to Thiruvananthapuram, all the offices are interconnected
with the Head Office at Pune.

In the first half of the current financial year, 2004-05, Bajaj

Allianz garnered a premium income of Rs. 405 crores, achieving a
growth of 84% and registered a 52% growth in Net profits of
Rs.20 Crores over the last year for the same period. In the
financial year 2003-04, the premium earned was Rs.480 Crores,
which is a jump of 60% and the profit zoomed by 125% to Rs.
21.6 Crores

Vision
• To be the first choice insurer for customers
• To be the preferred employer for staff in the insurance industry.

• To be the number one insurer for creating shareholder value

Mission
As a responsible, customer focused market leader, we will strive
to understand the insurance needs of the consumers and translate
it into affordable products that deliver value for money.

Tata Consultancy Services Limited (TCS) is the world-leading

information technology consulting, services, and business
process outsourcing organization that envisioned and pioneered
the adoption of the flexible global business practices that today
enable companies to operate more efficiently and produce more
value.
We commenced operations in 1968, when the IT services
industry didn’t exist as it does today. Now, with a presence in 34
countries across 6 continents, & a comprehensive range of
services across diverse industries, we are one of the world's
leading Information Technology companies. Six of the Fortune
Top 10 companies are among our valued customers.

We are part of one of Asia's largest conglomerates - the TATA

Group - which, with its interests in Energy, Telecommunications,
Financial Services, Chemicals, Engineering & Materials, provides
us with a grounded understanding of specific business challenges
facing global companies.

For a more comprehensive Business Overview, please visit the

Investors’

TCS is a leading IT services provider, with a wide breadth of

services across the entire Information technology spectrum. To
know more about how TCS can help you identify opportunities of
improvement, build the roadmap to getting there & leverage
technology to make it possible, read more about our services &
solutions:

Business and Services it offers:-

 Consulting
 IT Infrastructure services
 BPO
 IT Services
 Engineering & Industrial services
 Product based Solutions
 Hindustan Liver Limited
Mission
Unilever's mission is to add Vitality to life. We meet
everyday needs for nutrition, hygiene, and personal care with
brands that help people feel good, look good and get more out
of life.

Introduction
Hindustan Lever Limited (HLL) is India's largest fast moving
consumer goods company, with leadership in Home & Personal
Care Products and Foods & Beverages. HLL's brands, spread
across 20 distinct consumer categories, touch the lives of two
 out of three Indians. They endow the company with a scale of
combined volumes of about 4 million tones and sales of
Rs.10,000 crores.

The mission that inspires HLL's 36,000 employees, including

about 1,350 managers, is to "add vitality to life". With 35 Power
Brands, HLL meets everyday needs for nutrition, hygiene, and
personal care with brands that help people feel good, look good
and get more out of life.

It is a mission HLL shares with its parent company, Unilever,

which holds 51.55% of the equity. A Fortune 500 transnational,
Unilever sells Foods and Home and Personal Care brands in
about 100 countries worldwide

Management structure
Hindustan Lever Limited is India's largest Fast Moving Consumer Goods (FMCG)
Company. It is present in Home & Personal Care and Foods & Beverages categories.
HLL and Group companies have about 36,000 employees, including 1350 managers.
The fundamental principle determining the organization structure is to infuse speed and
flexibility in decision-making and implementation, with empowered managers across the
company's nationwide operations. For this, HLL is organized into two self-sufficient
divisions - Home & Personal Care & Foods - supported by certain central functions and
resources to leverage economies of scale wherever relevant.

Central functions
HLL's Central Functions are Finance, Human Resources,
Technology, Research, Information Technology, Legal &
Secretarial, and Corporate Affairs. Their services are shared across
the company. But, wherever necessary, managerial resources are
dedicated exclusively to a business. HLL believes that while it
leverages the scale of a large corporate, it must also retain the soul
of a small company.

Product detail
Home & Personal Care
• Personal Wash
• Fabric Wash
• Home Care
• Oral Care
• Skin Care
• Hair Care

Foods
• Tea
• Coffee
• Branded Staples
• Culinary Products
• Ice Creams
• Modern Foods ranges

New Ventures
• Hindustan Lever Network
• Ayush ayurvedic products & services
• Sangam
• Pureit water purifiers

Exports
• HPC
• Beverages
• Rice
• Castor