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PROJECT REPORT
ICICI BANK-CUSTOMER SERVICES AND
THEIR PRODUCTS OFFERED BY IT TO THE
CUSTOMERS
SUBMITTED BY-
SUSHANT KRISHNA
REGT. NO.-05XQCM 6101
UNDER THE GUIDANCE OF
PROFESSOR NANDINI VAIDYANATHAN
EXECUTIVE SUMMARY
The objective of the study is to identify the effectiveness and efficiency of the
bank in offering its services as well as its products and to make necessary
recommendation to the bank so that it can do better than before in its
business.
Its objective is also to do proper analysis about its functioning and know how
it does business. The research investigation is analytical in nature. We seek
to generate the data for the research analysis through an interview and
available data .And on the basis of that inferences will be drawn
accordingly.
ICICI BANK was found to be popular for its customer friendly services as well
as the facility it provides to the people. It was also found that its employees
are trained enough to handle its customers. Because of all these reasons
ICICI BANK has become very much popular in today’s context.
DECLARATION
I further declare that this dissertation is the result of my own efforts and that it
has not been submitted in any other university or institute for the award of a
degree or diploma or any degree or other similar title of recognition.
PRINCIPAL CERTIFICATE
GUIDE CERTIFICATE
I hereby declare that this dissertation titled” ICICI BANK- customer services
and their products offered by it to the customers” is the result of research
work carried out by Mr. SUSHANT KRISHNA under my guidance and
supervision.
ACKNOWLEDGEMENT
CONTENTS
INDEX
Page
PART-1
1. INDUSTRY PROFILE 1-2
2. COMPANY PROFILE 3-5
3. ABOUT BANK GROUP AND ITS 6-7
DIFFERENT AREAS OF BUSINESS
4. VARIOUS SERVICES AND PRODUCTS OFFERED 8-
26
BY THE BANK TO THE CUSTOMERS
PART-2
5. PROJECT TITLE 27
6. RESEARCH OBJECTIVE 28-
30
PURPOSE OF RESEARCH
PROBLEM STATEMENT
HYPOTHESIS
RESEARCH DESIGN
RESEARCH LIMITATION
RESEARCH TOOL
INDUSTRY PROFILE
There are many banks operating in our country. Some of they are public sector banks
some others are private sector banks where as some others are foreign banks.
Among public sector banks state bank of India is the biggest bank. And there are
many other banks like Canara bank, Punjab national bank, Indian bank, Corporation
bank, Allahabad bank, Indian overseas bank and some others. All these banks are
doing very good business all over the country and they have acquired good market
share in the country. They are offering good services and products.
The Indian Banking Industry can be categorized into non-scheduled banks and
scheduled banks. Scheduled banks constitute of commercial banks and co-
operative banks. here are about 67,000 branches of Scheduled banks spread
across India. During the first phase of financial there was a nationalization of 14
major banks in 1969. This crucial step led to a shift from Class banking to Mass
banking. Since then the growth of the banking industry in India has been a
continuous process.
As far as the present scenario is concerned the banking industry in India is in a
transition phase. The Public Sector Banks (PSBs), which are the foundation of the
Indian Banking system account for more than 78 per cent of total banking
industry assets.
The Private Sector Banks are witnessing immense progress. They are leaders in
Internet banking, mobile banking, phone banking, ATMs. On the other hand the
Public Sector Banks are still facing the problem of unhappy employees. There has
been a decrease of 20 percent in the employee strength of the private sector in
the wake of the Voluntary Retirement Schemes (VRS). As far as foreign banks
are concerned they are likely to succeed in India.
Indusland Bank was the first private bank to be set up in India. IDBI, ING Vyasa
Bank, SBI Commercial and International Bank Ltd, Dhanalakshmi Bank Ltd, Karur
Vysya Bank Ltd, Bank of Rajasthan Ltd etc are some Private Sector Banks.
Private banks are operating in our country and they are trying to grab more market
share in the country. They are trying to provide better service to their customers. .
Some foreign banks have also arrived in Indian market and
they are trying to provide better services to customers than others. some of these
banks are- Hsbc bank, American express bank, Standard chartered bank, .ANZ
Grindlays Bank, ABN-AMRO Bank, Citibank etc.
COMPANY PROFILE
Introduction
ABOUT BANK
ICICI Bank is India's second-largest bank with total assets of about Rs. 2,513.89
bn (US$ 56.3 bn) at March 31, 2006.ICICI Bank has a network of 741 branches
(including 48 extension counters) and over 3300 ATMs in India and presence in
30 International locations. ICICI Bank offers a wide range of banking products
and financial services to corporate and retail customers through a variety of
delivery channels and through its specialized subsidiaries.
ICICI Bank currently has subsidiaries in the United Kingdom, Russia and Canada,
branches in Singapore, and in some other countries. ICICI Bank is India's second-
largest bank with total assets of about Rs. 2,513.89 bn (US$ 56.3 bn) at March 31,
2006 and profit after tax of Rs. 25.40 bn (US$ 569 mn) for the year ended March
31, 2006 (Rs. 20.05 bn (US$ 449 mn) for the year ended March 31, 2005).ICICI
Bank currently has subsidiaries in the United Kingdom, Russia and Canada,
branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai International
Finance Centre and representative offices in the United States, United Arab
Emirates, China, South Africa and Bangladesh. ICICI Bank was originally
promoted in 1994 by ICICI Limited, an Indian financial institution, and was its
wholly-owned subsidiary. ICICIs 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.
After consideration of various corporate structuring alternatives in the context of
the emerging competitive scenario in the Indian banking industry, and the move
towards universal banking. The managements of ICICI and ICICI Bank formed
the view that the merger of ICICI with ICICI Bank would be the optimal strategic
alternative for both entities, and would create the optimal legal structure for the
ICICI group's universal banking strategy. n the 1990s, ICICI transformed its
business from a development financial institution offering only project finance to
a diversified financial services group offering a wide variety of products and
services, In 1999, ICICI become the first Indian company and the first bank or
financial institution from non-Japan Asia to be listed on the NYSE.ICICI Bank
currently has subsidiaries in the United Kingdom, Russia and Canada, branches in
Singapore, Bahrain and Hong Kong, SRI Lanka and Dubai International Finance
Centre and representative offices in the United States, United Arab Emirates,
China, South Africa and Bangladesh.
ICICI Bank is the most valuable bank in India in terms of market capitalization.
ICICI Bank's equity shares are listed in India on the Bombay Stock Exchange and
the National Stock Exchange of India Limited and its American Depositary
Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).ICICI
Bank has formulated a Code of Business Conduct and Ethics for its directors and
employees.
At June 5, 2006, ICICI Bank, with free float market capitalization* of about Rs.
480.00 billion (US$ 10.8 billion) ranked third amongst all the companies listed on
the Indian stock exchanges. 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.
The principal objective was to create a development financial institution for providing
medium-term and long-term project financing to Indian businesses. In 1999, ICICI
become the first Indian company and the first bank or financial institution from non-
Japan Asia to be listed on the NYSE.
The managements of ICICI and ICICI Bank formed the view that the
merger of ICICI with ICICI Bank would be the optimal strategic alternative for both
entities .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. The merger would enhance value for ICICI Bank shareholders
through a large capital base and scale of operations, seamless access to ICICI strong
corporate relationships built up over five decades, 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.
The merger was approved by shareholders of ICICI and ICICI Bank in January 2002,
by the High Court of Gujarat at Ahmedabad in March 2002, and by the High Court
of Judicature at Mumbai and the Reserve Bank of India in April 2002.
Consequent to the merger, the ICICI group's financing and banking operations, both
wholesale and retail, have been integrated in a single entity.
Board Members
Mr. N. Vaghul, Chairman
Mr. R.K.Joshi
Personal Banking
Through Personal banking it offers a variety of services. They are given below.
Deposits
Loans
Investments
Cards
Insurance
Demat services
Online services
Property services
DEPOSITS-
ICICI Bank offers a wide variety of deposit products to suit people’s requirements.
It has networked branches\ATM’s and facility of E-channels like internet and mobile
banking.
Savings account
Special savings account
Senior citizen services
Fixed deposit
Easy fixed deposit
Easy receive account
Recurring deposit
Tax saver fixed deposit
Roaming current account
Salary account
Women’s account
No frills account
Rural savings account
Peoples savings account
SAVINGS ACCOUNT -
ICICI Bank offers a variety of saving’s bank a\c with a host of convenient features
and banking channels to transact. It has some ideal banking services for those persons
who are above 60 years of age. And they have advantages from ICICI Bank which
brings convenience and enjoyment in their life.
account.
LOANS
ICICI Bank provides a wide variety of loans to the public to meet their daily
requirements.
Some of they are as follows.
Home loan
Personal loan
Car loan
Two wheeler
Commercial vehicle
Loans against securities
Loan against gold
Farm equipment
Construction equipment
Office equipment
Medical equipment
HOME LOAN
ICICI Bank is no.1 home loan provider in the country. It offers some unbeatable
benefits to its customers like doorstep services.
PERSONAL LOAN-
ICICI Bank provides personal loan to its customers which is easy to get and is
absolutely hassle free. The public can get Rs.15 lakh loan with minimum documents.
CAR LOAN-
ICICI Bank has also become the countries no. 1 bank in giving car loans. It has tied
up with all the leading automobiles manufacturers to ensure the best deals. It has
flexible schemes and quick processing.
CARDS-
ICICI Bank offers a variety of cards to suit our different transactional needs. Their
range includes Credit Cards, Debit Cards and Prepaid cards. These cards offer the
customers convenience for their financial transactions like cash withdrawal, shopping
and travel. These cards are widely accepted both in India and abroad.
Details and features of each types of cards are given below.
CREDIT CARDS
DEBIT CARDS
TRAVEL CARDS
PREPAID CARDS
PURCHASE CARDS
BUSINESS CARDS
CREDIT CARDS-
ICICI Bank Credit Cards give the customers the facility of cash, convenience and a
range of benefits, anywhere in the world. These benefits range from life time free
cards, Insurance benefits, global emergency assistance service, discounts, utility
payments, travel discounts and much more. Some of the important features of
CREDIT CARDS are as follows-
Balance transfer facility
Global emergency assistance service
Wide acceptance
Photo card
Self set limit
Cash advance facility
DEBIT CARDS
The ICICI Bank Debit Card is a revolutionary form of cash that allows customers to
access their bank account around the clock, around the world. The ICICI Bank Debit
Card can be used for shopping at more than 3.5 Lakh merchants in India and 24
million merchants worldwide.
Cashless Spending
This debit card enables instant on-line debit to their ICICI Bank account. Every time
they can swipe their card at restaurants, shops, petrol pumps, multiplexes, etc., the
amount that they have spent is debited to their account
Countrywide Acceptance
Its debit card is accepted at over 3.5 Lakh merchant establishments in India i.e.
restaurants, department stores, grocery stores, petrol pumps, etc. Besides, they can
use it conveniently at more than 3,000 ICICI Bank ATMs and more than 18,000
VISA/MasterCard ATMs all over India
Worldwide Acceptance
Travel the world and enjoy the freedom of using the debit card. This debit card gives
them access to over 24 million shops and 1 million Visa ATMs all over the world
giving them the freedom of payment anywhere in the world.
TRAVEL CARDS
ICICI Bank also provides Travel Cards. The Hassle free way to Travel the
world. Traveling with US Dollar, Euro, Pound Sterling or Swiss Francs; Looking for
security and convenience; take ICICI Bank Travel Card. Issued in duplicate. Offers
the Pin based security. Has the convenience of usage of Credit or Debit card.
ICICI Bank’s travel cards have many benefits. Some of they are given below-
Easy purchase
Easy cash withdrawal
Easy shopping
Replacement card
Online account access
Internet transaction
Best exchange rates
Best security features
Emergency medical and travel assistance
PRE-PAID CARDS
ICICI Bank brings to the customers a complete bouquet of pre-paid cards providing
payment solutions at their fingertips. ICICI Bank pre-paid cards are a safe &
convenient way for associate payments, disbursements, gifting & small ticket
transactions. Pre-paid cards are available on a VISA platform thus providing
accessibility to over 3.5 Lakh merchant establishments & cash withdrawal from all
VISA ATMs in India.
Annuity cards
ICICI Bank along with ICICI Prudential Life Insurance has created a unique offering
for the Annuity Plan holders. Annuity plan holders usually get the annuity paid
through bank cheques. They have made life easier for the customers by introducing
the first card based
Annuity payment program. Annuity payment solution will be managed by ICICI
Bank. ICICI Bank will issue prepaid cards to the Annuity plan holders. The monthly
annuity will be loaded on the prepaid card held by the customer. The customer will be
able to use the ICICI Bank – ICICI Prudential Life Annuity Card at the merchant
outlets and all the ICICI Bank ATMs.
PRE-DIRECT CARDS
Minimum Balance: There is no minimum balance requirement for the Annuity card
Transactions Supported: The Annuity card can be used to withdraw cash and do on-
line POS transactions from any VISA ATM or merchants accepting VISA cards. The
card can be used in India, Nepal and Bhutan.
Spend Limits: You can withdraw upto a maximum of Rs. 25,000/- per day in cash
from ATMs
Prepaid Value: Annuity Card can be loaded in rupees for any amount.
Validity: The card will be valid for a period of ten (10) years. Before the end of three
years a new card will be mailed to your mailing address
Statement: You will receive an e-statement through email to the given e-mail address
once every month.
On-line Account Access: You will get Internet Login Id and password to log into the
system on-line and check on card balance and statements
Cash withdrawal Fee: 3 cash withdrawals will be free at ICICI Bank ATMs per
month. At non-ICICI Bank ATM, the charges will be Rs 30/- per transaction
BUSINESS CARDS
The ICICI Bank Business Card is aimed at SMEs as an enabler for their business.
The Business card is a smart alternative to cheques, cash, and personal credit cards.
With its purchasing convenience, cost savings, available credit, and detailed reporting
facilities, the ICICI Bank Business Credit offers what their business needs to stay on
top.
FEES & CHARGES
investments through initial public offer and investment in pure gold . It provides
following investment products.
Any investment can be made through any branch of ICICI Bank. It also provides the
ease of investing through electronic channels like ATMs and Internets.
DEMAT SERVICES
ICICI DEMAT service has over 11.5 lakh account holders .It offers following
features to its customers.
e-Instructions:-Through this anyone can transfer securities 24 hours a day and 7 days
a week through internet at a lower cost. It can also be done through customer care
officer.
Mobile Request:-Account holder can access their de-mat account by sending sms to
enquire about holdings, transactions ,bills & ISIN details.
Mobile Alerts:-The account holder can receive sms alerts for all debits, credits as
well as any request which cannot be processed.
Dedicated customer care executives specially trained at their call centre, to handle all
queries.
Countrywide network of over 235 branches, one is never far from an ICICI Bank
Demat Services outlet
Private Banking
ICICI Bank also provides private banking services.
NRI BANKING
Under NRI Banking ICICI Bank provides a variety of services-
MONEY TRANSFER
BANK ACCOUNTS
INVESTMENTS
PROPERTY SOLUTIONS
INSURANCE
LOANS
MONEY TRANSFER
Under NRI Service ICICI Bank provides money transfer facility from one place to
another place of the world.
BANK ACCOUNTS
Under bank accounts ICICI Bank provides a number of accounts facilities .Some of
they are as follows-
And under special accounts it provides two types of accounts. They are students
accounts and seafarers accounts.
INVESTMENTS
Under investments it provides various services. Some of they are as follows-
International deposit
Mutual fund
Online share trading
Structured deposit
Private equity
Commercial real state
PROPERTY SOLUTIONS
Under property solutions it provides some services to the customers.
Like it provides home loan to the customers. It also provides help to the customers in
searching houses.
INSURANCE-
Under insurance ICICI Bank provides both general as well as life insurance services
to its customers.
LOANS-
ICICI Bank provides loans to the customers against their deposits.
CORPORATE BANKING-
ICICI BANK gives a number of facilities under corporate banking services.
CORPORATE NET BANKING
CASH MANAGEMENT
TRADE SERVICES
TRADEWAY
FOREX ONLINE
SME SERVICES
ONLINE TAXES
CORPORATE NETBANKING-
Corporate Internet Banking (CIB), facilitates banking from their desk.
At the click of a mouse the customers can access their accounts at
ICICI Bank and also keep track of their accounts at its various
branches in India.
CASH MANAGEMENT-
ICICI Bank is a leading player in the field of Cash Management
Services (CMS) market. Its Cash Management Service is technology
driven with a versatile software, hardware and network support.
Customized daily transaction reports and web-enabled reports are
offered regularly to its clients. CMS solutions are designed to be
company-specific allowing a corporate to efficiently manage its
treasury. Cash management products covers both collections and
payments.
Collection Products
Local Cheque Collections
Cash Collections
Payment Products
Anywhere Banking
Fund Transfers
TRADE SERVICES-
ICICI Bank offers a wide range of Trade Services designed to assist
you in building on your strengths, so that your company can sieze
business opportunities across the world. ICICI Bank has in place a
Centralized Trade-Services Unit, which adheres to six sigma standards.
As a result, ICICI Bank customers experience fewer delays in
receiving payment, require less effort in locating collection
information, gain increased control over foreign receivables and
experience improved cash flows.
OnlineTradeServices
ICICI Bank customers can effect remittances as well as get their
applications for issuance of Letters of Credit and Bank Guarantees
processed online.
Advisory services
Export document tracking facilities
Trade facilitation services
Country scan
Concepts in international trade
TRADEWAY SERVICES-
FX ONLINE SERVICE
FX Online is a real time foreign exchange trading system which
provides automated quotes for FX spots & FX forwards.
FX Online Features
SME- SERVICES-
ICICI Bank also offers some services to the customers.
The customers business now has end to end solutions on which they can depend.
From the anytime anywhere convenience of Roaming Current Account to forex
remittance services that simplify and speed up their business.
ONLINE TAXES-
ICICI Bank also provides online taxes facilities.
ONLINE SERVICE-
INTERNET BANKING
FOREX ONLINE
DEBT ONLINE
BILLS PAYMENT
TRADE SERVICES
CASH MANAGEMENT
SECURITIES MARKET
FOREX ONLINE-For this again there must be an separate user id and password.
DEBT ONLINE-Again Separate user id and password is important for this.
DEBT ONLINE-
Debt Online is a transaction platform that offers a transparent and
paperless way of investing in debt instruments in a secure
environment.
Bills to a company and the company can make an online payment to the
vendor. There is flexibility of making immediate or a scheduled
payment.
The payment of utility bills like electricity, telephone, mobile, etc. can
also be done. ICICI Bank has tied up with around 50 utility companies
across the country.
OnlineTradeServices
ICICI Bank customers can effect remittances as well as get their
applications for issuance of Letters of Credit and Bank Guarantees
processed online. This not only extends tremendous convenience to the
entire process, but also allows the customer to enjoy the benefits of
simplified documentation, online verification of status and savings in
cost and time. Online Trade Services can be availed by enrolling for
Corporate
Besides this ICICI Bank also provides Advisory services to its customers. So that
they can know forex markets, currency movements, regulatory issues, risk
management and other issues in trade finance. So According to that they can plan
their business.
Apart from these facilities ICICI Bank provides a number of other trade related
services to its customers. some of they are gives hereunder.
Export development facility Service
Trade facilitation service
Country scan
Concepts in international trade
TRADEWAY SERVICE-
ICICI Bank introduced trade way service to provide international banking gateway
for India related trade business.
It has some benefits to its customers-
ICICI Bank also provides mobile banking services to all its bank, credit card, demat
and its loan customers.
ICICI Bank Mobile Banking can be divided into two broad categories of facilities:
ALERT FACILITY
REQUEST FACILITY
Alert Facility-This facility keeps the customers informed about the significant
transactions in their accounts. It keeps them updated at regular point of time.
Request Facility-This facility enables the customers to carry for their account
balance.
PART-2
PROJECT
RESEARCH OBJECTIVE-
PURPOSE OF RESEARCH-
ICICI BANK is doing good business but even then it needs to go a long way to cover
most of the people in our country both in urban as well as in rural areas. Because
most of the people in our country still believes in nationalized banks for their money
transaction. And most of them are still poor especially in rural areas and they cannot
afford to open their account with big amount of money. And so it is lagging behind
because of these as well as some other important reasons. This encouraged me to take
this research project. So that it can do well in its business.
PROBLEM STATEMENT-
The research has been undertaken to identify the effectiveness of the products and
services offered by the bank to the customers and the tools that can be used
effectively to enhance its performance now onwards.
HYPOTHESIS-
Since this research investigation is bank-based the bank has asked us to identify the
effectiveness of the bank products and services in different parts and the customers
satisfaction based on its requirement. Hence the issues of hypothesis formulation, we
feel is redundant.
RESEARCH DESIGN-
This research investigation is analytical in nature. We seek to generate the data for the
research analysis through an interview schedule to be administered from different
customers at different places and the data so generated will be subject to analysis and
inferences will be drawn accordingly.
RESEARCH LIMITATION-
• Since this research investigation has been administered on randomly selected
customers at different places , the problem of generalization is obvious.
• Time and resource constraint.
• Reluctance of customers to reveal weaknesses and negative aspects.
RESEARCH TOOL-
A questionnaire was designed on the basis of that survey has been conducted.
The purpose of the questionnaire was to identify certain key aspects of the
effectiveness of the products and services offered by the bank to the customers
which ultimately determines the business of the bank.
RESEARCH METHODOLOGY
Simple tabulation
Table
Period No. of customers Percent
6 month 40 40%
1 year 30 30%
2 year 20 20%
3 year 10 10%
TOTAL =100 TOTAL=100%
40%
35%
30%
25%
20%
Percent
15%
10%
5%
0%
6 month 1 year 2 year 3 year
future. It should such schemes which can attract more customers and can retain them
for longer periods.
2. About satisfaction with its services among its customers -
Response Excellent Good Average Bad
No. of 40 30 20 10
customers
Percent 40% 30% 20% 10%
40%
35%
30%
25%
20%
Percent
15%
10%
5%
0%
Excellent Good Average Bad
Analysis and Interpretation-Among all customers 40% customers said that its
service is excellent whereas 30% said that it is good and according to 20%
customers found it is average and 10% said that it is bad. Most of the customers
are happy with this but the bank should always introduce innovative services for
the customers.
30%
25%
20%
15%
Percent
10%
5%
0%
Netbanking Sharetrading Mutualfund Commodity
50%
45%
40%
35%
30%
25%
20% Percent
15%
10%
5%
0%
10 30
minutes minutes
50%
45%
40%
35%
30%
25%
Percent
20%
15%
10%
5%
0%
Yes No Average
6. In which way its employees behave with its customers or they respond to
them-
40%
35%
30%
25%
20%
Percent
15%
10%
5%
0%
Good Normal Bad
Analysis and Interpretation-Among hundred customers’ 35% customers said that
its employees behave in good way with its customers and 40% customers said that it
is normal means ok whereas 25% customers said that it is not good and they should
behave in more friendly way with its customers. Many customers are happy with it
but there are also others who said that its employees should be more friendly with its
customers. So the bank should improve its employees in more professional in dealing
with the customers.
7. Whether its number of its branches and ATM centre should be increased or
not -
Response Yes No Ok
Customers 40 30 30
Percent 40% 30% 30%
40%
35%
30%
25%
20%
Percent
15%
10%
5%
0%
Yes No Ok
8. Whether the bank provides good environment inside the bank or not-
Response Yes No Ok
Customers 40 35 25
Percent 40% 35% 25%
40%
35%
30%
25%
20%
Percent
15%
10%
5%
0%
Yes No Ok
Analysis and Interpretation- About this question 40% of its customers said that
yes it provide good environment inside the bank and 35% of its customers are not
satisfied with its environment whereas 25% of its customers said that it is ok. Most of
the customers said that it provides good environment bit there are also some other
customers who said that it should be improved in comparison to other foreign banks.
9. Whether its credit cards and other cards are convenient enough to be used
and be handled-
Response Yes No Ok
Customers 45 25 30
Percent 45% 25% 30%
Percent
50%
45%
40%
35%
30%
25% Percent
20%
15%
10%
5%
0%
Yes No Ok
Analysis and Interpretation- About 45% of its customers said that yes it
provides good services and is also convenient enough to handle where as another
25% customers said that it is not completely useful and 30% another customers said
that it is ok. Many customers have given their consent but there are some other
customers according to them it should be better, So the bank should improve itself in
these areas so that some other customers will also be satisfied. And they could not
move to other banks.
10. Does it give loan at reasonable rate of interest to the customers whenever
they need -
Response Yes No Ok
Customers 58 22 20
Percent 58% 22% 20%
60%
50%
40%
30%
Percent
20%
10%
0%
Yes No Ok
Analysis and Interpretation-About this question 58% customers say that Yes they
provide loan at reasonable rate of interest to the customers and 22% customers said
that it is not convenient and they should charge some lower rate of interest and 20%
other customers said that it is ok. Many customers are satisfied with it and few
customers said that it should be provide more return to its investors.
11. Should it bring down its Minimum cash requirement for opening an account
in it -
Response Yes No Ok
Customers 60 5 35
Percent 60% 5% 35%
60%
50%
40%
30%
Percent
20%
10%
0%
Yes No Ok
Analysis and Interpretation-About this question 60% customers said that yes it is
higher and it should be brought down whereas 5% customers said that it is not
necessary and 35% of its customers said that it is ok. Many customers said that it
should bring down its minimum cash requirement for opening account in it since
most of the population of our country is poor and they cannot afford to open an
account at that cash amount. So to make it easy for everyone it should bring it down.
12. Should it bring new schemes for its customers at regular intervals so it
become more popular in future-
Response Yes No Ok
Customers 26 52 22
Percent 26% 52% 22%
60%
50%
40%
30%
Percent
20%
10%
0%
Yes No Ok
• It should also make necessary efforts and provide them good returns so that
people become more interested in this particular bank for their investment and
they become sure that their money is totally safe if they are investing in it.
• And about its credit card and other cards some customers are happy they are
satisfied with it and there are some others who say that it should be more
customers friendly and useful enough.
facility should be made liberal so that they do not hesitate in becoming its
customers.
• It should also focus on middle class people of our country since we know that
our country’s large population belongs to this category.
• They should also target students for opening their account in it. For this new
schemes should be introduced for them at regular time intervals.
So keeping all these things in mind it should
make its account opening facility so efficient for its customers so that even the
low earning people of our country will not feel any hesitation in opening its
account in this bank. And its ATM should be established at every important
place in towns especially near big markets. If the bank will pay attention on
all these areas then certainly it will flourish a lot and will always be a leading
bank in its coming future. ICICI BANK should also pay attention on the
policies and the way the other banks does their business and according to that
it should do modifications in its schemes and policies and introduce those
schemes which can attract a lot of customers towards it. If all these things will
be considered certainly the bank will make all around success everywhere.
BIBLIOGRAPHY
1. www.icicibank.com
2 .www.google.com
3. www.businessworld.com
4. Marketing white book 03-04
5. Marketing management-Philip kotler
APPENDIX
QUESTIONNAIRE
With regards
SUSHANT KRISHNA
7. Whether the bank provides good environment inside the bank or not?
a. Yes b. No c. Ok
9. Are you satisfied with its credit cards and other card facilities.?
a. Yes b. No c. Ok
11. Should it bring down its minimum cash requirement for opening an
account in it.?
a. Yes b. No c. Ok
12 .Should it bring new schemes for its customers at regular time intervals?
a. Yes b. No c. Ok