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ICICI Bank Investment Behavior Report

The report analyzes investment behavior and provides asset allocation recommendations for high net worth individuals (HNIs) at ICICI Bank. It aims to understand HNI profiles and criteria for investment decisions. However, the study had limitations due to its narrow scope, time constraints, and the author's lack of experience. ICICI Bank offers a wide range of banking and investment products and services through its branches and subsidiaries globally. It caters to different client segments for private banking including select, premium, and wealth advisory offers. Common investment options discussed include equity, debt instruments like bonds and debentures, mutual funds, and warrants.

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PiyushE63
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145 views18 pages

ICICI Bank Investment Behavior Report

The report analyzes investment behavior and provides asset allocation recommendations for high net worth individuals (HNIs) at ICICI Bank. It aims to understand HNI profiles and criteria for investment decisions. However, the study had limitations due to its narrow scope, time constraints, and the author's lack of experience. ICICI Bank offers a wide range of banking and investment products and services through its branches and subsidiaries globally. It caters to different client segments for private banking including select, premium, and wealth advisory offers. Common investment options discussed include equity, debt instruments like bonds and debentures, mutual funds, and warrants.

Uploaded by

PiyushE63
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd

PROJECT REPORT ON

ICICI BANK

MADE BY
PIYUSH PALlWAL
OBJETIVES OF THE REPORT
• To find out the criteria on which investment
decision of HNIs depends.
• To analyze the investment behavior of HNIs,
understanding their profile and accordingly
suggesting asset allocation for each behavioral
pattern.
• To offer their customer the desired mix of
services according to their demographic and
psychographic profile.
LIMITATIONS OF THE STUDY
• It did not cover the broad spectrum of
investor.
• Lack of time and resources.
• Lack of expertise being a trainee:
- In analyzing data.
- In understanding consumer behavior and
psyche.
THE COMPANY’S VISION
“ To be preferred brand for total
financial and banking solutions
corporate and individuals and
achieve leadership position in the
financial service sector.”
COMPANY OVERVIEW
• Second largest bank with total assets of about
Rs.167659 crores.
• Bank has a network of about 560 branches and 1900
atms.
• ICICI bank offers a wide range of banking products and
financial services to corporate and retail customers.
• ICICI bank has subsidiaries in UK, Canada and branches
in Singapore and Bahrain and respective offices in US,
UAE, Bangladesh and South Africa.
ICICI BANK
ICICI PRIVATE
BANKING- BANKING
WITH A DIFFERENCE
PRODUCTS AND SERVICES PROVIDED
• Savings account, fixed deposit, recurring deposits,
current account.
• Resident foreign currency account.
• Asset product- home, car and personal loans, loan
against securities etc.
• Investment- Government of India Bonds, mutual funds,
capital gain bonds etc.
• Insurance, web trade and Demat accounts.
• International debit and credit cards.
• And many more……..
CLIENT SEGMENTS
• ICICI Bank- private banking caters to
three broad client segments:
• Select offer(Entry level deposit mobilization
product)
• Premium offer(Higher level deposit
mobilization product)
• Wealth advisory offer(Top end multi-product
offer)
Think…..
• What is Investing?
• Why should one Invest?
• When to invest?
WHAT ARE THE OPTIONS FOR
INVESTMENT?
• EQUITY: Equity shares, Preference
shares and warrants.
• DEBT: Long term debt, Medium term
debt, Short term debt, Working capital
and Non fund instruments.
BONDS
• Bonds may be of many types- they may be regular
income, infrastructure, tax saving or deep discount
bonds. These are financial instruments with a fixed
coupon rate and a definite period after which these are
redeemed.
• The three main kind of instruments in this category are
as follows:
Fixed rate
Floating rate
Discount bonds
MUTUAL FUNDS
• A Mutual Fund is an entity that pools the
money of many investors, its unit holders, to
invest in different securities. Investment may
be in shares, debt securities, money market
securities or a combination of these.
Types of Mutual Fund
• By nature of Investment
Equity Scheme
Debt bond funds
Balanced funds
Money market scheme
Gilt funds
Sector specific schemes
Index Schemes
Index schemes
Tax saving schemes
• By tenure:
Open Ended Funds
Close Ended Funds
Interval schemes
DEBENTURES
• Main Characteristics:
• They may be fixed interest debt instruments with
varying periods of maturity.
• Can either be placed privately or offered for
subscription.
• Types of Debentures:
• Non convertible Debentures
• Partially convertible Debentures
• Fully Convertible Debentures
WARRANTS
• Warrant is a certificate giving the holder right
to purchase securities at a stipulated price
with in a specified time limit or perpetually.
Sometimes a warrant is offered with securities
as an inducement to buy. The warrant act as a
sweetener because the holder of the warrant
has the right but not the obligation of
investing in the equity at the indicated rate.
HUMAN LIFE CYCLE
INVESTMENT MOTIVES BY KAYNES:
The Precautionary motives
The Life cycles motives
The Inter temporal substitution motives
The Improvement motive
The Independence motive
The Enterprise motive
The Bequest motive
The Avarice motive

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