RETAIL BANKING

“Retail banking is typical mass-market banking where individual customers use local branches of larger commercial banks. Services offered include: savings and checking accounts, mortgages, personal loans, debit cards, credit cards, etc.”

RETAIL BANKING PROVIDERS - INDIA
State Bank of India HDFC bank Citibank ICICI Bank Punjab National bank UTI Bank Hongkong & Shanghai Banking Corp. Kotak Mahindra Bank Sundaram Bank Oriental Bank of Commerce

ICICI BANK

ICICI Bank is the second-largest bank in India and the largest among the private sector banks.

ICICI Bank was set up by The Industrial Credit and Investment
Corporation of India Limited in 1994.

By 2002, ICICI Limited, ICICI Capital Services Limited and ICICI Personal Financial Services Limited were merged to form ICICI Bank.

It has total assets of Rs. 3,634.00 billion (US$ 81 billion) at March 31, 2010 and profit after tax Rs. 40.25 billion (US$ 896 million) for the year ended March 31, 2010.

CONTD…..

The Bank has a network of 2,044 branches and about 5,546 ATMs in

India and presence in 18 countries

ICICI is a leading player in retail banking and has over 27 million retail customer accounts.

RETAIL BANKING PRODUCTS

ACCOUNTS AND DEPOSITS
Salary Account Fixed Deposit

Recurring Deposit
Dream Deposits Privilege Banking Savings Account Professional Savings Account

HOME LAONS

CARDS
Credit Card Debit Card Commercial Cards

.
.

Corporate Platinum Drive Track Card Prepaid Cards

INVESTMENTS

DEMAT ACCOUNT
The term Demat refers to a dematerialized account. For individual Indian citizens to trade in listed stocks or debentures. The Securities Exchange Board of India (SEBI) requires the investors to maintain a Demat account. In a demat account shares and securities are held in electronic form instead of taking actual possession of certificates. A Demat Account is opened by the investor while registering with an investment broker (or sub broker). The Demat account number which is quoted for all transactions to enable electronic settlements of trades to take place.

INSTA BANKING
TV Banking

Internet Banking

Mobile Banking

Wealth management is an investment advisory discipline that incorporates financial planning, investment strategy and portfolio management.High Net Worth Individuals, small business owners and families who desire the assistance of a credentialed financial advisory specialist call upon wealth managers.

ATM BANKING

Banking 24/7 through a widespread network of ICICI Bank ATMs makes life easy and convenient . User-friendly graphic screens and easy to follow instructions available in a choice of local languages, makes ATM Banking with ICICI Bank a smoother experience.

NRI BANKING
Money Transfer  Bank Accounting  Home Loans  Investments  Insurance  Loans Against FD

SAVINGS ACCOUNT INTEREST RATE
NATURE RATE OF INTEREST MINIMUM BALANCE*

NORMAL
ACCOUNT 1. Savings Bank A/c A. Domestic a. With cheque book facility b. Without cheque book facility c. No Frills Account B. Non Resident (Savings account) a. NRO b. NRE 3.5 3.5 3.5% p.a

SENIOR CITIZEN

Metro

Urban

Semi Urban

Rural

3.5% p.a

Rs.10,00 0 Not available Zero

Rs.10, 000 Not availab le Zero

Rs.5,000 Not available Zero

Rs.5,000 Not available Zero

3.5% p.a

3.5% p.a

3.5% p.a

3.5% p.a

3.5 3.5

15000 15000

15000 15000

15000 15000

5000 5000

FIXED DEPOSIT RATES(BELOW 15 LACS)
Maturity Period 7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 90 days 91 days to 120 days 121 days to 184 days 185 days to 210 days B e l o w R s . 1 5 L a c s Rates of Interest (% p.a.) w.e.f Oct 06, 2010 General 3.75 3.75 3.75 3.75 4.25 5.75 5.75 6.25 Senior Citizen ** 4.25 4.25 4.25 4.25 4.75 6.25 6.25 6.75

e p o s i t s

211 days to 269 days
270 days to less than 1 year 1 year to 389 days 390 days 391 days to 589 days 590 days 591 days to less than 2 years 2 years to 789 days 790 days 791 days to 989 days 990 days 991 days to less than 3 years 3 years to less than 5 years 5 years upto 10 years

6.25
6.50 6.75 7.25 6.75 7.50 6.75 7.50 7.75 7.50 8.00 7.50 8.00 8.00

6.75
7.00 7.25 7.75 7.25 8.00 7.25 8.00 8.25 8.00 8.50 8.00 8.50 8.50

FIXED DEPOSIT RATES (From 15 LACS to 1 Cr)
Rates of Interest (% p.a.) w.e.f Oct 06, 2010 Maturity Period 7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 90 days 91 days to 120 days 121 days to 184 days 185 days to 210 days 211 days to 269 days 270 days to less than 1 year 1 year to 389 days 390 days 391 days to 589 days 590 days 591 days to less than 2 years 2 years to 789 days 790 days 791 days to 989 days 990 days 991 days to less than 3 years 3 years to less than 5 years 5 years upto 10 years General 3.75 3.75 3.75 3.75 4.25 5.25 5.50 6.25 6.25 6.50 6.75 7.25 6.75 7.50 6.75 7.50 7.75 7.50 8.00 7.50 8.00 8.00 Senior Citizen ** 4.25 4.25 4.25 4.25 4.75 5.75 6.00 6.75 6.75 7.00 7.25 7.75 7.25 8.00 7.25 8.00 8.25 8.00 8.50 8.00 8.50 8.50

RECURRING DEPOSIT RATES
Maturity Period 6 months 9 months 12 months 15 months 18 months 21 months 24 months 27 months 30 months 33 months 3 years to less than 5 years 5 years upto 10 years General 5.75 6.50 6.75 6.75 6.75 6.75 7.50 7.50 7.50 7.50 8.00 8.00 Senior Citizen ** 6.25 7.00 7.25 7.25 7.25 7.25 8.00 8.00 8.00 8.00 8.50 8.50

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