Scribd
Upload
259 views20 pages

ICICI Bank Business Diversification Overview

This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

Uploaded by

Rajat Mishra
Copyright
© © All Rights Reserved
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
259 views20 pages

ICICI Bank Business Diversification Overview

This document discusses business diversification strategies at three major private sector banks in India - ICICI Bank, Kotak Mahindra Bank, and HDFC Bank. It provides an overview of each bank's key business areas including retail, wholesale, and treasury operations. Financial highlights and key ratios for revenues, profits, and other indicators are presented for each bank. The document also compares performance indicators between the three banks and includes a bibliography of annual reports from each bank.

Uploaded by

Rajat Mishra
Copyright
© © All Rights Reserved
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

BUSINESS

DIVERSIFICATION IN
PRIVATE BANKS
RAJAT MISHRA (8801)
SHARMISHTHA PADNE (8802) 1
Business Diversification - Concept and Meaning

Business approaches in banks


ICICI Bank
● Key Business Areas
● Financial Highlights
TABLE OF ● Key Ratios

CONTENTS Kotak Mahindra Bank


● Key Business Areas
● Financial Highlights
● Key Ratios

HDFC Bank
● Key Business Areas
● Financial Highlights
● Key Ratios

Performance Indicators
BIbliography 02
❖ ICICI BANK

❖ KOTAK MAHINDRA BANK

❖ HDFC BANK

PRIVATE SECTOR BANKS

3
BUSINESS
DIVERSIFICATION
Diversification is a strategy used to expand market
share or enter new markets by launching or acquiring
new products. It allows a company to grow by
expanding market share in an existing market or by
developing a market presence. In essence,
diversification involves innovation and market
disruption
4
BUSINESS APPROACH IN KEY AREAS

Retail Wholesale Treasury


the business caters to: Business focus on Custodian of banks liquid
➔ individual borrowers institutional customers: assets and maneges interest
➔ Micro and small ➔ Large corporates rate risks.
businesses ➔ Public sector entities
➔ NRIs ➔ Infrastructure Finance
➔ Self help groups groups

● Loan products ● Commercial banking ● Foreign exchange


● Deposit products ● Transactional banking ● Derivatives
● Other products and ● Investment Banking ● Statutory reserve 5
services management
ICICI BANK
❏ ICICI was formed in 1955 and incorporated in
1994 by ICICI Limited
❏ Total Branches - 5,266
❏ 14,136 ATMs
❏ Number of employees - 97,356
❏ 2,713 Cash acceptance machines
❏ Global Network with ICICI 16 subsidiaries (Group
companies) across 17 countries

6
Key business areas
● Rs.15.74 trillion Consolidated Total Assets
● Rs.161.93billion Profit After Tax
● 55% Retail Portfolio as a proportion of total portfolio
● 20% growth in retail loans
● Small and Medium Enterprises (SME) portfolio comprises exposures to companies with a turnover of
up to Rs.2.50 billion.
● The Bank is the leader in electronic toll collection transactions done through FASTag
with a 35.5% market share by value at the end of fiscal 2021.
● 90% Digital transactions

7
Financial highlights

8
Key ratios

9
KOTAK MAHINDRA BANK
▪ Incorporated in 1985
▪ Total branches- 1603
▪ The bank has 19 subsidiaries
▪ CSR expenditure 85.20 cr
▪ Rural initiative of financial inclusion

10
Key business areas

11
Financial Highlights

12
Key ratios

13
HDFC BANK

▪ Incorporated in 1994
▪ Total Branches- 5608
▪ CSR expenditure - 635 cr
▪ Star performer for disbursing credit under ECLGS
scheme
▪ Rural initiatives- Parivartan portal

14
Key business areas

15
Financial Highlights

16
Key Ratios

17
PERFORMANCE INDICATORS (COMPARISON)

18
BIBLIOGRAPHY
ICICI BANK ANNUAL REPORTS:-
● [Link]
● [Link]
pdf

KOTAK MAHINDRA BANK ANNUAL REPORTS:-


● [Link]
ndra-bank/Kotak_Mahindra_Bank_Limited_FY20.pdf
● [Link]

HDFC BANK ANNUAL REPORTS:-


● [Link]
9-9081-dcc0f5beeb60
?
● [Link]
20Us/Investor%20Relation/annual%20reports/pdf/[Link]

19
THANK
YOU

20

You might also like