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Icici bank ppt

  1. 1. INVESTMENT PERCEPECTIVE OF CUSTOMERS TOWARDS ICICI BANK
  2. 2.  SONI ANJALI 33  MOTHARIYA MEENA 23  JOSHI NISHA 13  JADEJA YUVRAJ SINH 12  DUNGARIA MANOJ 6
  3. 3.  CHAIRMAN: K.V. KAMATH  MS.: CHANDA KOCHHAR (Managing Director & Chief Executive Officer)
  4. 4.  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.
  5. 5.  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. ICICI Bank has formulated a Code of Business Conduct and Ethics for its directors and employees.  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.
  6. 6.  Mission  We will promote inclusive growth in India through focused initiatives in the identified areas including primary healthcare, elementary education, skill development & sustainable livelihood, financial inclusion and rural development.  Vision  To be a leading institution for the promotion of inclusive growth in India by contributing to the key enablers required for widespread participation in economic opportunities in the country.
  7. 7.  The CSR Committee of the Bank would consider and approve the projects or programmes that the Bank should undertake as CSR in India. 1) Education 2) Health care 3) Skill development 4) Support employee engagement in CSR activities 5) Capacity building for corporate social responsibility
  8. 8.  ICICI Bank will continue to work with institutes of higher educationfor focused capacity-building in specified disciplines, particularly finance & management.  promoting education, including special education and employment enhancing vocation skills especially among children, women, elderly and the differently abled and livelihood enhancement projects  Education represents a critical area of action to realise India’s growth potential as also make it inclusive, by enabling children from all sections of society to have access to quality basic education that equips them for taking up higher education or job-oriented skill training.
  9. 9. (I) Eradicating hunger, poverty and malnutrition, promoting preventive health care and sanitation and making available safe drinking water; (ii) Promoting gender equality,  empowering women, setting up homes and hostels for women and orphans, setting up old age  homes, day care centres and such other facilities for senior citizens and measures for reducing  inequalities faced by socially and economically backward groups; (x) Rural development projects)
  10. 10.  promoting education, including special education and employment enhancing vocation skills especially among children, women, elderly and the differently able and livelihood enhancement projects; (iii) Promoting gender equality, empowering women, setting up homes  Enabling India’s youth to gain skills that can provide employment is key to realising the potential of India’s demographic dividend and driving inclusive growth. Improving employability of the youth from lower-income sections of society is hence an important focus area.  The ICICI Academy for Skills has been set up across the country to provide job-oriented skill training to youth. Several centres have been set up across the country. In this initiative, ICICI Foundation is also leveraging the skills and training capabilities of large corporate in developing training modules in their respective domains. ICICI Foundation is also liaising with corporate and businesses to get the trained youth employed, through a job portal.  ICICI Bank will continue to develop the ICICI Rural Self Employment Training Institutes.
  11. 11. 5. Support employee engagement in CSR activities  The Bank supports the involvement of its employees in CSR activities. The Bank will encourage  employees to participate in CSR activities of the Bank and ICICI Foundation. 6. Capacity building for corporate social responsibility  ICICI Foundation will continue to promote incubation of expertise for implementing corporate  social responsibility initiatives. It will also work towards providing a platform for organisations  engaged in social initiatives, and discussion & thought leadership on critical challenges to  inclusive growth. The Bank and ICICI Foundation will continue to support initiatives that promote individual and corporate philanthropy.
  12. 12.  There are many different definitions of what ‘Investment’ and ‘investment’ actually means. One of the simplest ways of describing it is using your money to try and make more money. This can happen in many different ways.  All investors are different. The common factor is that you would like to invest money to aim to make it grow or to receive a regular income from it. We would like to show you that choosing the most suitable investment for you does not need to be difficult. All you need is the right help along the way.  The act committing money or capital to an endeavor with the expectation of obtaining an additional income or profit is known as investment. Investing means putting your money to work for you.
  13. 13. 1) Equities: investment in shares of companies is investing in equities.  Stocks can be brought/sold from the exchange (secondary market) or via IPO’s-Initial public offering (primary market). Stocks are the best long-term investment options wherein the market volatility and the resultant risk of losses, if given enough time, are mitigated by the general upward momentum of the economy. There are two streams of revenue generation from this from of investment.  Dividend: periodic payments made out of the company’s profits are termed as dividends.  Growth: the price of the stock appreciates commensurate to the growth posted by the company resulting in capital appreciation.  On an average an investment in equities in India has a return of 25% good portfolio management, precise timing may ensure a return of 40% or more. Picking the right stock at the right time would guarantee that your capital gains i.e. growth in market value of stock possessions, will rise.
  14. 14.  Bonds: it is a fixed income (debt) instrument issued for a period of more than one year with the purpose of raising capital. The central or state government, corporations and similar institutions sell bonds. A bond is generally a promise to repay the principal along with fixed rate to interest on a specified date, called as the maturity date. Other fixed income instruments include bank deposits, debentures, preference shares etc.  The average rate of return on bond and securities in India has been around 10-13% p.a.  Mutual Fund: These are open and close-ended funds operated by an investment company, which raises money from the public and invests in a group of assets, in accordance with a stated set of objectives. It is a substitute for those who are unable to invest directly in equities or debt because of resource, time or knowledge constraints. Benefits include diversification and professional money management. Shares are issued and redeemed on demand, based on the fund net asset value, which is determined at the end of each trading session. The average rate of return as a combination of all mutual funds put together is not fixed but is generally more than what earn is fixed deposits. However, each mutual fund will have its own average rate of return based on several that they have floated. In the recent past, Mutual Funds have given a return of 18-35%.
  15. 15.  Real Estate: For the bulk of investors the most important in their portfolio is a residential house. In addition to a residential house, the more affluent investors are likely to be interested in either agricultural land or may be in semi-urban land the commercial property.  Precious projects: precious objects are items that are generally small in size but highly valuable in monetary terms. Some important precious objects are like the gold, silver, precious stones and also the unique art objects.  Life insurance: in broad sense, life insurance may be reviewed as an investment. Insurance premiums represent the sacrifice and the assured the sum the benefits. The important types of insurance policies in India are:  Endowment assurance policy.  Money back policy.  Whole life policy.  Term assurance policy.  Unit-linked insurance plan.
  16. 16.  This project is never completed by the help for the two factors.  (1) Primary Data (2) Secondary Data (1) Primary data: -  Primary data as collected during our internship at ICICI Bank.  Primary data was collected through questionnaire; refer to the appendix for the data. (2) Secondary data: -  Secondary data sources are:  Internet  Books  News paper  Type of research: Descriptive  Sample size: 20  Source of data collection: Customers of ICICI bank MUNDRA.
  17. 17.  To improve the practical and theoretical knowledge.  To understand basics of investment and various alternatives that is available with the investors.  The purpose of this project is to analyse that how investors take their investment decisions and how they deal with risk.  Also to understand the customers’ physiology of investment and what are the various objectives behind the investment.
  18. 18. Our internship is very perfectly completed but we are facing the difficulties for the clearly understanding the investment process.  The sample size for data collection is limited, as the sample size of investors taken from ICICI Bank MUNDRA only.  Time duration for data collection was limited, so not able to collect the data from large sample size.  Generally people don’t have time to give respond to our questions and they usually ignore to answer such questions  It may happen that sometimes respondents don’t give the real information and their point of views.
  19. 19.  All investors have differing attitudes towards risk. When it investing, it is important to consider your risk profile or tolerance carefully, including how comfortable you are with the possibility of losing money, or that returns on your investments could vary widely from year to year.  Understanding your personal risk tolerance will help you choose an appropriate asset allocation – the following points can help you to determine an investment mix that’s appropriate for your needs.  How would you describe your investment experience and understanding of financial markets?  Just started investing in the year You understand the basics of investing  You have been investing on your own for several years and are reasonably confident of your knowledge of financial markets.  Your knowledge of financial market is well above average and you make investment decisions confidently
  20. 20.  About the “Investment perspective at customer towards the ICICI Bank”  What is your age?  Interpretation:  According to the survey, maximum number of respondents are belong to the age group of 18-25 and 25-35 years, so we can say that most of the respondents will be willing to take risk, and make investment in the instruments with moderate to high risk. 60% 35% 5% 0%RESPONSE 18-25 25-35 35-45 >45
  21. 21.  Interpretation: 80% respondents are salaried persons, 10% people doing business and 10% people are self employed. Generally salaried persons will like to invest in instruments which have low to moderate risk. 80% 10% 10% RESPONSE salaried business self employed
  22. 22.  Interpretation: The above chart depicts that income range of the maximum respondents are lie between  2-10 lakhs which is fall under middle class category. 25% of the total respondents fall under income slab of 0-2 lakh, which means that generally they are least interested in investment. 25% 30% 30% 15% RESPONSE 0-2 lacks 2-5 lacks 5-10 lacks 10 lacks above
  23. 23.  Interpretation:  100% of the respondents do investment in instruments available in market, it means that people are having awareness about investment. 100% 0% RESPONSE yes no
  24. 24.  According to the survey 35% of the respondents have invested in gold followed by insurance, land and fixed deposits. These instruments are those which involve low risk. People are not willing to take high risk so they do not like to invest in instruments like stocks and mutual fund.  From the above results, we can say that respondents believe in secured log-term investment options. 0% 20% 20% 35% 0% 0% 25% 0% response mutual fund FD land gold
  25. 25.  According to chart 50% of the respondents do investment to secure their future, it means they invest for long term.  30% of the respondents’ motive behind investment is safety and security, which means they invest to meet unforeseen accidental expenses, this kind of investors like to invest in instruments which can be liquidated easily.  The respondents who are in the second and third slab of the income also do investment for the purpose of tax benefit.  Only 20% of the total respondents does investment for wealth creation. 5% 30% 15% 50% RESPONSE wealth creation safety & security tax benefits future plans
  26. 26.  55% respondents want to hold their money in investment for 2-5 years’ duration that is moderate. 35% of respondents said that they want to invest for longer time duration i.e. 5- 10 years. 10% 35% 55% 0% RESPONSE 2 year 5-10 year 2-5 year 10 year
  27. 27.  Out of total respondents 95% are willing to invest in stocks and remaining 5% are not willing to invest in stocks.  As stock market gives attractive returns, so larger amounts of investors want to invest in stock market. 5% 95% RESPONSE yes no
  28. 28.  35% of respondents don’t want to invest in stocks because of high risk and uncertainty.  Other 35% of total respondents don’t have proper knowledge about stock market so they are not willing to invest in it. 35% 35% 30% RESPONSE RISK LACK OF KNOWLEDGE OTHER
  29. 29.  None of the respondents wants to take high risk. 50% of the respondents are risk averse so they make investment in those securities which have less risk involved. Remaining 50% respondents want to take moderate risk while taking investment decision. 0% 50%50% RESPONSE high low moderate
  30. 30.  Half of the respondents take their financial decision by taking help of their well wishers i.e. friends and relatives.  30% of the total respondents like to take financial decisions by taking advice from ICICI bank; it means that people find ICICI a trustworthy advisor.  20% of the total respondents take their financial decisions independently, they take this decisions based on their own interpretations and calculations. 20% 0% 30% 50% RESPONSE INDEPENDENTLY BROKER ADVICE FROM ICICI BANK FRIENDLY RELATION
  31. 31.  70% of respondents’ are satisfied with ICICI bank. As these respondents are doing investment through ICICI bank. 20% 70% 10% 0% RESPONSE excellent good average poor
  32. 32.  ICICIA Bank is one of the leading private bank which provides all the banking products & investment solutions to their customer they have differentiated themselves in very distinct way by providing the best of their services.  From the later we calculated we can say that respondents believe in secured long term to medium term investment options i.e. gold, FD, land, insurance etc.  Majority of investor’s motive behind investment use to secure future followed by wealth creation and fix savings.  Majority of investments are not willing to invest in stock reason behind this lack of to prepare knowledge, risk & uncertainty.  Investors would like to take law to moderate risk & so that bank also prepares portfolio plans accordingly.  Most of the investors take their financial decisions with the help of friends and relatives’ bank can be their friend by giving worthy advice and maintaining good relations with their customers.  Majority of the investors are satisfied with ICICI Banks service and its portfolio.
  33. 33.  ICICI Bank is providing best services and best policies, but some other we suggested to important points.  We suggest to ICICI bank improving best investment policies.  They should not totally on market price because there can be chance at market fluctuation.  In customer point of view ICICI Bank need the best advertisement plans according to Investment element.  We suggested to ICICI Bank focus on the low risk portfolio.  We suggests to the ICICI Bank prepare more portfolio which is following low and moderate risk.
  34. 34. THANK YOU

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