CASH MANAGEMENT OF ICICI BANK

Presented By:
Anindita kakati (20191013)
Bassam Iqram Qureshi (M20191516)
Rishabh Shrivastav (M20191538)
Sonam Kanoi (20194454)
Vaibhav Jain (M20191555)
 ABOUT ICICI BANK

 In 1955 ICICI was established. ICICI joined the financial sector in 1994 through the establishment of ICICI Bank
as its financial branch.
 It was the first Indian bank to be mentioned on the New York Stock exchange in 2000.
 It was the first private-sector bank to open a mobile branch in Maharashtra with an ATM in 2013.
 In March 2020, ICICI Bank Ltd.’s board approved a Rs 1,000 crore investment in Yes Bank Ltd. This investment
led to ICICI Bank Limited owning more than five per cent of Yes Bank’s shareholding.
 The Full Form Of ICICI Is Industrial Credit And Investment Corporation Of India. It Has Its Headquarters In
Mumbai, Maharashtra, India And Operates In 17 Nations Across The Globe. In 2014, It Was India’s Second-
largest Investment Bank And Third-biggest Market Capitalization Bank.

Rishabh
VISION MISSION & OBJECTIVES OF ICICI

VISION- To be the leading provider of financial services in India and a major global bank.
MISSION- ICICI will leverage their people, technology, speed and financial capital to:
-Be the banker of the first choice for their customers by delivering high quality, world-class
products, and services.

-Expand the frontiers of their business globally.

-Play a proactive role in the full realization of India's potential.
-Maintain a healthy financial profile and diversify their earnings across businesses and
geographies.

Anindita kakati
 OBJECTIVE OF THE BANK

OBJECTIVES- The major objective of the ICICI was to meet the needs of the industry for permanent and long term
funds in the private sector.
 To assist in creation, growth and modernization of business enterprises in the non-public sector.
 To encourage and promote the involvement of internal and external capital sources, in such enterprises.
 To motivate pvt ownership of industrial investment and to promote and assist in the expansion of markets.
 To provide equipment finance.

Anindita kakati
 PRODUCTS & SERVICES PROVIDED BY ICICI

A few of ICICI bank ‘s standard services and products are given below:-
 Cards include a debit and credit card & business card
 Loans include home, personal, auto and 2-wheeler loans.
 Investments from tax strategies, mutual funds & PPF
 Insurance includes health, life and general insurance
 Deposit schemes include FD (Fixed Deposit) and RD (Recurring Deposit) Schemes.
 Business banking that contains a wide variety of items for current account, internet banking and mobile banking
 ICICI bank launched 'ICICIStack' which provides online services such as payment options, digital accounts,
instant car loans, insurance, investments, loans etc

Vaibhav Jain
 PRODUCTS & SERVICES PROVIDED BY ICICI

• GOLDCOIN  -
Employees can buy 24 karats Pure Gold, which ICICI Bank brings to you. Each coin comes to you straight from
Switzerland. Refined to 99.99% fine gold and sealed with a unique Certificate of Authencity- guaranteeing you its
purity.

• FOREX SERVICES –
ICICI Bank's Foreign Exchange Services will help you organize your foreign exchange in the most hassle free
manner. Whether its Foreign Currency, Travelers Cheques or Travel Card, ICICI Bank Foreign Exchange Services
is a one-stop solution to your foreign exchange requirement.

• ADVISORY SERVICES -
ICICI Bank's Small Enterprises Group's (SEG) Investment Banking team is dedicated to provide you niche and
exclusive investment banking services.

• E-Governance Initiatives -
E-ticketing initiative for Indian Railways.
Online Funds Disbursement and Tracking System for Ministry of Health and Family Welfare (MoHFW). 

Vaibhav Jain
 INVESTMENTS

 ICICI Bank cares about all needs. Along with Deposit products and Loan offerings, ICICI Bank assists people
to manage their finances by providing various investment options.
 Investor can invest in IPOs online through www.icicidirect.com with same convenience of investing in equities -
hassle-free and with zero paper work. Also, get in-depth analyses of new IPOs issues (Initial Public Offerings)
which are about to hit the market. IPO calendar, recent IPO listings, prospectus/offer documents and live prices
will help you keep on top of the IPO markets.
 Demat Services -

A Demat Account allows employees transact in shares instantaneously in a safe and secure manner.
 Relief Bonds/Mutual Funds/Insurance -

Salary Account customers can now invest in Government of India relief and savings bonds, a basket of
mutual funds, foreign exchange facilities and Insurance products through ICICI Bank.

Vaibhav Jain
 CAPITAL RAISED

 On Aug 15, 2020 The private lender raised Rs 15,000 crore capital through qualified institutional investors
(QIP) . Prior to that, the bank also raised additional capital of Rs 3,036 crore through a part sale of its
subsidiaries.
 In June 2020, it sold a 1.50 percentage point stake in ICICI Prudential Life Insurance and a 3.96 percent stake
in ICICI General Life Insurance, collectively raising Rs 30.9 billion.
 The bank still retains majority ownership in these two entities.

CAPITAL STRUCTURE

from To Class Of Authorised Issued PaidUp Face PaidUp

Year Year Share Capital (Cr.) Capital Shares Value Capital
(Cr.) (Cr.)

Equity
2019 2020 Share 2,500.00 1,294.55 6472765203 2 1,294.55

Vaibhav Jain
• ICICI Bank Ltd. key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs
57551.11 Crore to Sales Value (76.94 % of Total Sales)
• Income From Investment which contributed Rs 14673.21 Crore to Sales Value (19.61 % of Total Sales)
• Interest which contributed Rs 1891.85 Crore to Sales Value (2.52 % of Total Sales)
• Interest On Balances with RBI and Other Inter-Bank Funds which contributed Rs 682.15 Crore to Sales Value (0.91 % of
Total Sales)for the year ending 31-Mar-2020.
• The Bank has reported zero Gross Non Performing Assets (Gross NPAs).
• For the quarter ended 30-09-2020, the company has reported a Consolidated Interest Income of Rs 14805.93 Crore, down
-3.45 % from last quarter Interest Income of Rs 15335.70 Crore and down -2.18 % from last year same quarter Interest
Income of Rs 15136.52 Crore.
• The bank has reported net profit after tax of Rs 5426.33 Crore in latest quarter.

Vaibhav Jain
 LIQUIDITY MANAGEMENT OF ICICI BANK

ICICI Bank's Cash Management Services help SMEs manage their business liquidity effectively and

efficiently.
 During fiscal 2020, the Rupee depreciated by 8.9% from  69.16 per US dollar at end-March 2019 to  75.33
per US dollar at end-March 2020, with a sharp depreciation of 3.9% in March 2020.
 The liquidity coverage ratio to be maintained by banks was lowered from 100% to 80.0% till September 30,
2020, and to be subsequently increased to 90.0% starting from October 1, 2020 and further to 100.0% from
April 21, 2021.
 The yield on Statutory Liquidity Ratio (SLR) investments decreased by 14 basis points from 7.24% in fiscal
2019 to 7.10% in fiscal 2020

Anindita kakati
 WHAT IS TREASURY MANAGEMENT?

Treasury Management is the planning, organizing and controlling holding, funds and working capital of the enterprise in
order to make the best possible use of the funds, maintain firm’s liquidity, reduce the overall cost of funds, and mitigate
operational and financial risk.

FUNCTIONS OF TREASURY MANAGEMENT-

• Cash Management
• Optimum Utilization of Resources
• Risk Management.
• Liquidity Maintenance
• Availability and Deployment of Funds

Anindita kakati
FINANCIAL CONDITION
The following table sets forth, for the periods indicated, the principal components of contingent liabilities.

Bassam
PROFIT/(LOSS) ON TREASURY-RELATED ACTIVITIES (NET)

 Profit from treasury-related activities was ` 12.93 billion in fiscal 2020 as compared to ` 13.66 billion in
fiscal 2019.

 Profit from treasury-related activities in fiscal 2020 was primarily due to realized gain on sale of
government securities.

 In fiscal 2019, the Bank made net gain of ` 11.10 billion on sale of equity shares of ICICI Prudential
Life Insurance Company Limited.

Bassam
EARNING PER SHARE

 Basic earnings per equity share of the Bank has been computed by dividing the net profit for the year attributable to
the equity shareholders by the weighted average number of equity shares outstanding during the year.

 ICICI Bank 2020 annual EPS was $0.41, a 119.25% increase from 2019.

 ICICI Bank 2019 annual EPS was $0.19, a 49.32% decline from 2018.

 ICICI Bank 2018 annual EPS was $0.37, a 29.04% decline from 2017

Bassam
 RUPEE EARNED AND SPENT DURING THE YEAR:

 ICICI Bank reported a 26 per cent rise in standalone net profit at Rs 1,221 crore for the quarter ended March 2020,
compared to Rs 969 crore in the corresponding January-March period of 2018-19.
 The consolidated profit after tax was Rs 9,566 crore ($ 1.3 billion) in 2019-20, compared to Rs 4,254 crore ($ 562
million) in the previous year.

 The total expenses stood at 57.92 crore, compared to 50.08 crore in the previous year, representing a growth of
15.7%.

Anindita kakati
 REPO POLICY

 The debt collection policy of the bank is built around dignity and respect to customers. The policy is built on courtesy,
fair treatment and persuasion. The bank believes in following fair practices with regard to collection of dues and
repossession of security and thereby fostering customer confidence and long-term relationship.

 While written communications, telephonic reminders or visits by the bank’s representatives to the borrowers place or
residence will be used as loan follow up measures, the bank will not initiate any legal or other recovery measures
including repossession of the security without giving due notice in writing with a provision for acknowledgment.

 If necessary, The Bank may utilise the services of recovery agencies for collection of dues.

Anindita kakati
 TREASURY MANAGEMENT RESPONSIBILITIES

 Accounting and valuation of forex, derivatives, bonds and money market products

 Building controls for treasury related processes.

 Analysis of profit and loss of the bank attributable to the treasury operations.

 Performance reporting of treasury to the management on a regular basis.

 Preparing various reports like liquidity gap reports, interest rate sensitivity report, cash flow
projections, liquidity ratios, equity duration report etc.

Rishabh
MCQS
Q. Treasury bills are issued by whom?
 A) RBI
 B) Govt of India
 C) State PSUs
 D) IMF

Q. Protection of risk in transaction usually through derivatives product is called

 Insurance
 Swap
 Hedge
 Arbitrage

Q. Which act relating to foreign exchange has replaced earlier one?

 Foreign exchange management act
 Foreign exchange regulation act
 Both of the above
 None of these
THANK YOU