Credit Rating Proposal Of Strategic Commercial Vehicle Customer

Credit Rating proposal of strategic commercial vehicle customer

Flow of presentation  History  Growth of Company  SWOT  Project  Commercial Vehicle Industry  Findings  Learning 09/30/09

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History • 1955- ICICI Ltd. was formed with the initiative of World Bank and Government of India • 1994- ICICI established ICICI Bank as its wholly owned subsidiary • 1999- Becomes first Indian company to be listed on NYSE • 2001- Acquired Bank of Madura, Chettinad Mercantile Bank and Illanji Bank. • 2002- Merger of ICICI, ICICI personal Financial Services Ltd. And ICICI Capital Services Ltd. with ICICI Bank. 09/30/09

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Growth of the Company • Operating profit increased 51% for FY2007 • Profit after tax increased 22% for FY2007 • Net interest income increased 41% for FY2007 • Total advances increased 34% as on March 31, 2007 • Deposits increased 40% as on March 31, 2007 09/30/09

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S.W.O.T Analysis Strengths:

Opportunities:

• Good Banking infrastructure

• Amalgamation with Sangli Bank

• International Presence

• Lending to BOP

• Huge amount of deposits • Celebrity tie-up Weakness:

Threats:

• Hidden Cost

• Competition from other banks • Online Identity threats

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Project Objective: To prepare credit rating proposal for strategic commercial vehicle customer.

Activities executed: – – – – 09/30/09

Clientele meetings Integration and Compiling of customer database Analysis of the data Study on commercial vehicle industry OHIO University Christ Collge

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Commercial Vehicle Industry • Road transport industry contributes 3.9% of GDP • 2% of road network carries 40% passenger and freight load • US$ 4 billion financed by World Bank for Road sector in India • Market size of Rs. 45,000 crore • Growth rate of 14.5% in terms of number of commercial vehicle 09/30/09

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Findings • Market share – 35% • Money lending estimated as Rs. 800 crore monthly • Largest financer • IRR is more compared to other banks • Different IRR for different customers 09/30/09

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Learning • Gained knowledge on various banking products • Prepare of credit rating proposal • Loan disbursement process • Became aware of Commercial vehicle industry 09/30/09

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09/30/09

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