BANKING AND FINANCIAL

INSTITUTIONS
IDBI
The Industrial Development Bank of India Limited (IDBI) (BSE: 500116) is one of India
's leading public sector banks and 4th largest Bank in overall ratings. It was established
in 1964 by an Act of Parliament to provide credit and other facilities for the
development of the fledgling Indian industry. It is currently 10th largest development
bank in the world in terms of reach with 1300 ATMs, 758 branches and 513
centers. Some of the institutions built by IDBI are the National Stock Exchange of India
 (NSE), the National Securities Depository Services Ltd (NSDL), the 
Stock Holding Corporation of India Ltd (SHCIL), the Credit Analysis & Research Ltd,
the Export-Import Bank of India(Exim Bank), the 
Small Industries Development bank of India(SIDBI).
HISTORY
IDBI Bank was founded on July 1, 1964 under an Act of Parliament. It was established
as a wholly owned subsidiary of RBI (Reserve Bank of India). The ownership was
however transferred to the Government of India on February 16, 1976. It worked as the
main financial institution, whose main goal was to coordinate with other institutions
associated with financing, developing and promoting the industry. With the public issue
of IDBI Bank released in July 1995, the share holding of the Government came down
below 100%. IDBI Bank started offering a wide array of products and services to its
customers, which covered entire range of industrial activities including services and
manufacturing.
In September 2003, IDBI acquired the entire shareholding of Tata Finance Limited in
Tata Home Finance Ltd. Since then, the fully owned housing subsidiary was known as
'IDBI Home Finance Limited'.
DEVELOPMENT OF BANK IN INDIA

. IDBI has played a pioneering role in fulfilling its mission of promoting

industrial growth through financing of medium and long-term projects, in
consonance with national plans and priorities. IDBI provides financial
assistance, both in rupee and foreign currencies, for green-field projects as also
for expansion, modernisation and diversification purposes. IDBI also provides
indirect financial assistance by way of refinancing of loans extended by State-
level financial institutions and banks and by way of rediscounting of bills of
exchange arising out of sale of indigenous machinery on deferred payment
terms.
SUBSIDIARIES

IDBI Bank has the following subsidiaries:

 IDBI Capital Market Services Limited
 IDBI Home Finance Limited
 IDBI Intech Limited

 IDBI Gilts Limited

PERSONAL BANKING

 Deposits
 Loans
 Payments - Tax Payments, Stamp Duty Payments, Easy Fill, Bill
Payment, Card to Card Money Transfer, PayMate, Online Payments
 Mutual Fund
 Demat Account
 IPO
 Cards - Debit Card, Credit Card, Cash Card, Gift Card, International Debit-cum-
ATM Card, World Currency Card
 Institutional Banking
 Lockers
 India Post
 NRI Services
 Phone Banking
 Account Alerts
 Internet Banking
CORPORATE BANKING
 Project Finance 
 Infrastructure Finance
 Syndication, Underwriting & Advisory Services 
 Carbon Credits Business 
 Working Capital
 Cash Management Services 
 Trade Finance 
 Tax Payments 
 Derivatives 
 Technology upgrading Fund Scheme (TUFS) 
 Film Financing Scheme 
 Direct Discounting Bills 
 Rehabilitation Finance  
 
IFCI
At the time of independence in 1947, India's capital market was relatively under-
developed. Although there was significant demand for new capital, there was a dearth of
providers. Merchant bankers and underwriting firms were almost non-existent. And
commercial banks were not equipped to provide long-term industrial finance in any
significant manner.
It is against this backdrop that the government established The Industrial Finance
Corporation of India (IFCI) on July 1, 1948, as the first Development Financial
Institution in the country to cater to the long-term finance needs of the industrial sector.
The newly-established DFI was provided access to low-cost funds through the central
bank's Statutory Liquidity Ratio or SLR which in turn enabled it to provide loans and
advances to corporate borrowers at concessional rates.
HISTORY

By the early 1990s, it was recognized that there was need for
greater flexibility to respond to the changing financial system. It
was also felt that IFCI should directly access the capital markets
for its funds needs. It is with this objective that the constitution of
IFCI was changed in 1993 from a statutory corporation to a
company under the Indian Companies Act, 1956. Subsequently,
the name of the company was also changed to "IFCI Limited"
with effect from October 1999.
PRODUCTS

I-FIN is uniquely positioned, by virtue of being in the fold of IFCI which is a

pioneering All India Financial Institution, to offer a wide array of financial products
and services to the investing community in India and NRIs.
These include:
• Stock Broking • Commodities Broking • Currency Trading • Portfolio Management
Services • Depository Participant Services • Merchant Banking • Insurance Broking •
Mutual Fund Products Distribution • IPO Distribution • Corporate Advisory Services
 Depository Participant (DP) : As a Depository Participant with the National

Security Depository Limited (NSDL) and Central Depository Participant Limited

(CDSL), I-Fin serves its clients in a wholesome fashion.

 Merchant Banking : As a SEBI approved Category I Merchant Banker, I-Fin is

involved in the capital raising exercises of Indian Corporates.

 Insurance Corporate Agent : I-Fin is an IRDA approved Corporate Agent (CA)

for both Life and Non-Life Insurance sectors. It is empanelled with LIC for Life

Insurance and Bajaj Allianz for the Non-Life Insurance Sector.

 Mutual Fund Distribution: Registered with the Association of

Mutual Funds in India (AMFI) as a distributor of Mutual Fund

products, I-Fin has been highly active and very successful in the

distribution of various mutual fund products.

 Portfolio Management Services: As a SEBI registered Portfolio

Manager, we offer Discretionary Portfolio Management Services

backed by Equity Research - Fundamental and Technical.

ICICI
ICICI  Industrial Credit and Investment Corporation of India is a major banking and
financial services organization in India. It is the second largest bank in India and the
largest private sector bank in India by market capitalization. The bank also has a
network of 2,016 branches (as on 31 March 2010) and about 5,219 ATMs in India and
presence in 18 countries as well as some 24 million customers (at the end of July 2007).
ICICI Bank offers a wide range of banking products and financial services to corporate
and retail customers through a variety of delivery channels and specialization
subsidiaries affiliates in the areas of investment banking, life and non-life insurance,
venture capital and asset management. (These data are dynamic.) ICICI Bank is also the
largest issuer of credit cards in India..
HISTORY

In 1955, The Industrial Credit and Investment Corporation of India Limited

(ICICI) was incorporated at the initiative of World Bank, the Government of India
and representatives of Indian industry, with the objective of creating a
development financial institution for providing medium-term and long-term
project financing to Indian businesses. In 1994, ICICI established Banking
Corporation as a banking subsidiary. Formerly known as Industrial Credit and
Investment Corporation of India, ICICI Banking Corporation was later renamed
as 'ICICI Bank Limited'. ICICI founded a separate legal entity, ICICI Bank, to
undertake normal banking operations - taking deposits, credit cards, car loans etc.
In 2003, ICICI opened subsidiaries in Canada and the United
Kingdom (UK), and in the UK it established an alliance with
Lloyds TSB. It also opened an Offshore Banking Unit (OBU) in
Singapore and representative offices in Dubai and Shanghai. In
2004, ICICI opened a representative office in Bangladesh to tap
the extensive trade between that country, India and South Africa.
PRODUCTS
 Deposits
Following deposits are offered:
 Savings Account
 Life Plus Senior Citizens Savings Account
 Fixed Deposits
 Security Deposits
 Recurring Deposits
 Tax-Saver Fixed Deposit
 Young Stars Savings Account
 Child Education Plan
LOANS

ICICI Bank offers following loan facilities:

 Home Loans
 Loan Against Property
 Personal Loans
 Car Loans
 Two Wheeler Loans
 Commercial Vehicle Loans
 Loans Against Securities
 Loan Against Gold Ornaments
 Pre-approved Loans
INSURANCE
ICICI Bank offers various types of insurance.
 Home Insurance

 Health Insurance

 Health Advantage Plus

 Personal Accident

 Travel Insurance

 Student Medical Insurance

 Motor Insurance

 Car Insurance

 Two Wheeler Insurance

 Life Insurance
PRESENTED BY:
SHRIYA VERMA
BBA VI SEM
SECTION B