ICICI BANK PROFILE

Established in 1994, CC Bank is today the second largest

bank in ndia and among the top 150 in the world. n less
than a decade, the bank has become a universal bank
offering a well diversified portfolio of financial services. t
currently has assets of over U8S 79 billion and a market
capitalization of U8S 9 billion and services over 14 million
customers through a network of about 950 branches, 3300
ATM's and a 3200 seat call center {as of 2007_. The hallmark
of this exponential growth is CC Bank's unwavering focus
on technology.

'ision

To be the Ieading provider of financiaI services in India and a

major gIobaI bank






Mission
O e t he banker of fi r st choi ce for our cust omers by
deI i veri ng high quaIity, worId-cIass products and services.
O e wiII Ieverage our peopIe, technoIogy, speed and financiaI
capitaI to PIay a proactive roIe in the fuII reaIization of India's
potentiaI
O pand the frontiers of our business gIobaIIy
O aintain a heaIthy financiaI profiIe and diversify our
earningsacross businesses and geographies
O aintain high standards of governance and ethics
O ontri bute posi ti veI y t o t he var i ous countri es and
markets i nwhich we operate
O reate vaIue for our stakehoIders

8TRATEGC DE'ELOPMENT
Product Iead approach for each sector
$maII and edium nterprise ($
gricuIture and icro Finance
ommunity anking
Internet and Iectronic anking
Product and deIivery technoIogy dependent
ranch remote approach
entraI processing centres enabIe optimum
monitoring
llrsL 8ank ln lndla Lo launch webslLe 1996
llrsL 8ank ln lndla Lo launch lnLerneL 8anklng 1997
llrsL 8ank ln lndla Lo launch onllne blll paymenL1999
nly 8ank ln lndla wlLh mllllon onllne cusLomers

CURRENT 8TRATEGC PO8TON OF CC
BANK
Provide service like-
1Agr| M|crocred|t |n|t|at|ves
OlnnovaLlve sLrucLure for mlcrocredlL ln rural areas
a)vercome Lhe reach problem
b)Lower admlnlsLraLlon cosLs
Ohannels for dellverlng mlcrocredlL
a)Sugar companles
b)Seed producers
c)lnpuL companles
d)nCs and mlcro credlL lnsLlLuLlons

Agr| Iarmer Serv|ce Centres (ISCs)
OlS provldes one sLop soluLlon Lo Lhe farmer
a)Agrl exLenslon supporL
b)lnpuLs and oLher servlces
c)redlL
d)MarkeL llnkage
e)8ural lnfrasLrucLure
O@hese lSs are promoLed by Agrl lnpuL suppllers and
avolds dupllcaLlon of efforLs by dlfferenL players
3Smart card so|ut|on for ISCs



4Soc|a| In|t|at|ves ICICI commun|t|es
OClve nllne nllne donaLlon channel
a)8eLall donors can donaLe Lo speclflc lnlLlaLlves across
lndla
b)100 of donaLlons reach Lhe lnlLlaLlve
c)rompL feedback on uLlllsaLlon of granL
OShop Lhe ause nllne shopplng mall
a)ver 100 exqulslLe hand crafLed producLs avallable
b)@he only faclllLy of lLs klnd avallable Lo
nonproflLs ln lndla



3Innovat|ons |n De||very Channe|s
OSusLalnable Access for 8ural lndla (SA8l) pro[ecL
a)arLners Ml@ Medla Labs Parvard unlverslLy ll@
hennal lCyan uPAn loundaLlon lll LLd
b)rovldlng rellable lnLerneL access Lhrough klosks ln
rural Madural uslng coruL@ WlLL
c)100 klosks managed by enLrepreneurs Lo be seLup
d)rovldlng egovernance communlcaLlon and
lnformaLlon servlces
OosslblllLy of dellverlng banklng servlces Lhrough
lnLerneL klosks belng explored




Creat|ng the "e" wave Statutory
Oega| va||d|ty for e transact|on
a) Consumer rotect|on
b) Negot|ab|e Instrument Act
c) Acceptance of e|ectron|c based document
OIu|| Account Convert|b|||ty
Ochange Contro| aws
OStrengthen|ng the Inte||ectua| roperty aws

7Creat|ng the "e" wave Infrastructure
a)Lncourage lnLerneL/ e" usage
b)volce over lnLerneL
c)lmprovemenL ln Lelecom lnfrasLrucLure
d)@ax lncenLlves for lnLerneL based LransacLlon
e)lncenLlve for elecLronlc seLLlemenL







8 Creat|ng the "e" wave 8ank|n
OAllowlng appolnLmenL of Lhlrd parLles for banklng
OAllowlng varlable lnLeresL raLes on deposlLs
OModlflcaLlons ln servlce area approach" Lo
encourage compeLlLlon ln Lhe rural areas
OunderLaklng speclflc lnlLlaLlves Lo provlde an lmpeLus
Lo rural banklng
OompuLerlsaLlon of operaLlons of banks especlally Lhe
rural operaLlons
OLand 8ecords ompuLerlsaLlon
OneLworklng of osL fflce













Creat|ng the "e" wave |ectron|c
OSLandards for smarL cards
OCuldellnes on smarL card lnLeroperablllLy
Ohanges ln enLral 8ank guldellnes
a)LllglblllLy of cllenLs
b)Loadlng of value
c)rovlslon of wrlLLen reporLs and recelpLs
OCovL lncenLlves Lo sLakeholders
OCovL encouragemenL for A@Ms/ S lnfrasLrucLure
Lermlnals