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    MACR Presentation Group 3

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    anish mahto
    The document summarizes a potential merger between ICICI Bank and CSB Bank. Some key points: 1) ICICI Bank is India's largest private sector bank and this merger would allow it to leverage its large network and digital presence to enter new markets. 2) There are potential synergies from combining ICICI Bank's scale and resources with CSB Bank's regional presence in southern India. 3) A merger could help ICICI Bank further strengthen its digital banking offerings and access new customer segments. However, integrating the two banks poses challenges around managing asset quality, costs, and adapting to changing customer needs.

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    MACR Presentation Group 3

    Uploaded by

    anish mahto
    18 views8 pages
    The document summarizes a potential merger between ICICI Bank and CSB Bank. Some key points: 1) ICICI Bank is India's largest private sector bank and this merger would allow it to leverage its large network and digital presence to enter new markets. 2) There are potential synergies from combining ICICI Bank's scale and resources with CSB Bank's regional presence in southern India. 3) A merger could help ICICI Bank further strengthen its digital banking offerings and access new customer segments. However, integrating the two banks poses challenges around managing asset quality, costs, and adapting to changing customer needs.

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    The document summarizes a potential merger between ICICI Bank and CSB Bank. Some key points: 1) ICICI Bank is India's largest private sector bank and this merger would allow it to leverage its large network and digital presence to enter new markets. 2) There are potential synergies from combining ICICI Bank's scale and resources with CSB Bank's regional presence in southern India. 3) A merger could help ICICI Bank further strengthen its digital banking offerings and access new customer segments. However, integrating the two banks poses challenges around managing asset quality, costs, and adapting to changing customer needs.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pptx, pdf, or txt
    18 views8 pages

    MACR Presentation Group 3

    Uploaded by

    anish mahto
    The document summarizes a potential merger between ICICI Bank and CSB Bank. Some key points: 1) ICICI Bank is India's largest private sector bank and this merger would allow it to leverage its large network and digital presence to enter new markets. 2) There are potential synergies from combining ICICI Bank's scale and resources with CSB Bank's regional presence in southern India. 3) A merger could help ICICI Bank further strengthen its digital banking offerings and access new customer segments. However, integrating the two banks poses challenges around managing asset quality, costs, and adapting to changing customer needs.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
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    of 8

    ICICI Merger with CSB

    Group IV

    Anish | Shivam | Vignesh


    Sociocultural
    Banking Industry – PESTEL •The rise of digital banking has made banking more accessible to a
    larger population in India. The increasing adoption of technology has
    changed the way people interact with banks.
    •The demographics across various part of the country among the
    population, including income levels and education, can impact the
    demand for banking services.

    Technological
    Political • Adoption of digital platforms and services.
    •Thankfully, India has a stable political • The use of AI &ML has increased efficiency
    environment, which has helped the growth of the and accuracy
    banking industry. • Cybersecurity is a major concern for the
    banking industry in India, as cyber-attacks
    •Changes in government policies and regulations can compromise customer data and disrupt
    can impact the operations and performance of
    banks in India. PESTEL operations.

    Economic Environmental
    • The Reserve Bank of India (RBI) plays a •Has to adhere to environmental regulations &
    crucial role in monetary policy and regulating sustainability practices.
    the banking sector in India. •The raise of carbon credit and other eco-
    sensitive financial terminologies have reinforced
    • Just like in any other country, economic the fact that climate change and natural disasters
    downturns or financial crises can negatively Legal can potentially impact the operations and
    impact the performance of banks in India. •Subject to various laws and regulations. performance of banks in India in long term
    •Changes in laws and regulations can impact the operations and
    performance
    •Subject to compliance with anti-money laundering laws and
    regulations.
    ICICI – SWOT&C

    Weakness Opportunity

    • Faced criticism in the past for its high fees • Growing Indian banking sector
    and charges on certain products and services. • The increasing adoption of digital banking
    • Has faced challenges in managing its asset presents opportunities to further strengthen its
    quality - some NPAs in the past. digital presence.
    • Reliance on wholesale funding, rather than • Can enter new markets & segments by
    retail deposits, potentially vulnerable to Strengths leveraging its brand network
    liquidity risks. • Largest and most well-
    established private sector
    bank
    • Diverse range of products and
    • Has to continuously innovate and adapt to services
    changing customer needs and preferences. • The bank has a strong digital
    • • The banking industry in India is
    Has to manage its asset quality and maintain a presence
    healthy balance sheet. highly competitive
    • • Threat of cyber-attacks and data
    Given the penetration of digital currencies,
    increased cyber risks and the ensuing regulatory breaches,
    • Changes in government policies and
    changes, ICICI Bank has to ensure compliance
    with the constantly laws and regulations. regulations

    Challenges Threats
    ICICI – Porter’s 5 Forces

    Threat of new entrants Low

    Threat of substitutes High

    Buyer bargaining power Moderate

    Supplier bargaining power Low

    Competitive Rivalry High

    Overall Moderate - High


    Investment thesis
    ICICI – Deal Thesis

    Industry attractiveness

    Strength & Stability

    Business plan & P&L forecast

    Synergies

    Integration

    Investment decision
    Fundamental Valuation
    Valuation
    Synergy Benefits
    Synergy Benefits

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