bba icici project

8/10/2019 Bba Icici Project

1/40

ICICI cash management

S.A.C.M.S Page 1


2/40


S.A.C.M.S Page 2

INTRODUCTION OF CASH

MANAGEMENTCash management can be defined as all activities undertaken to

ensure maximum cash availability and maximum investment yield on a

government's idle cash. Cash management is concerned with the

efficient management of cash from the time revenue is earned to the

time an expenditure payment clears the bank. At the local government

level, cash-management activities can be categorized as follows:

Receipt and deposit of cash and negotiable payments

Custody of monies and securities of the government

Disbursement of funds upon proper authorization

Dealing with financial institutions

Investment of cash in money-market securities and related

instruments

Cash budgeting and forecasting Short-term borrowing

The cash-management function generally is concerned with short-

term investments. Some governments invest pension funds, debt-service

funds, and trust funds for multiyear periods that could be considered

long-term investing; these lie beyond the realm of cash management.

With a good cash management system, you as a retailer can increaserevenue, lower costs, improve customer service and enhance security.

The numbers show that cash is cheaper, faster and a more popular

payment method than the electronic alternatives.


3/40


S.A.C.M.S Page 3


4/40


S.A.C.M.S Page 4

COMPANY PROFILE

ICICI BankICICI Bankis an Indian multinational banking and financial

services company headquartered in Mumbai, Maharashtra. As of 2014

it is the second largest bank in India in terms of assets and market

capitalization. It offers a wide range of banking products and financial

services for corporate and retail customers through a variety of delivery

channels and specialized subsidiaries in the areas of

investment, life, non-life insurance, venture capital and asset

management. The Bank has a network of 3,820 branches and

11,162 ATMs in India, and has a presence in 19 countries.

ICICI Bank is one of the Big Four banks of India, along with State

Bank of India, Punjab National Bank and Bank of Baroda. The bank has

subsidiaries in the United Kingdom, Russia, and Canada; branches in

United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and

Dubai International Finance Centre; and representative offices in UnitedArab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and

Indonesia

History

ICICI Bank was established by the Industrial Credit and

Investment Corporation of India (ICICI), an Indian financial institution,as a wholly owned subsidiary in 1994. The parent company was formed

in 1955 as a joint-venture of the World Bank, The bank was initially

known as the Industrial Credit and Investment Corporation of India

Bank, before it changed its name to the abbreviated ICICI Bank. ICICI


5/40


S.A.C.M.S Page 5

Bank launched internet banking operations in 1998. Followed by an

equity offering in the form ofAmerican Depositary Receipts on

theNYSE in 2000. ICICI Bank acquired the Bank of Madura Limited in an

all-stock deal in 2001 and sold additional stakes to institutional

investors during 2001-02.

In 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, both directly and through a number of subsidiaries and

affiliates like ICICI Bank. 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.

In 2000, ICICI Bank became the first Indian bank

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 March2002.

In 2008, following the 2008 financial crisis, customers rushed to

ICICI ATMs and branches in some locations due to rumors of adverse

financial position of ICICI Bank.

BOARD OF DIRECTORS

Mr. K.V.Kamath - Chairman

Mr. Barry StoweMrs. Kalpana MorpariaMs. Shikha Sharma - Managing

Director

Mr. N.S.Kannan - Executive Director

Mr. Bhargav Dasgupta -Executive Director
http://en.wikipedia.org/wiki/American_Depositary_Receipthttp://en.wikipedia.org/wiki/NYSEhttp://en.wikipedia.org/wiki/NYSEhttp://en.wikipedia.org/wiki/American_Depositary_Receipt


6/40


S.A.C.M.S Page 6

ICICI Bank Limited

Type Public company

Traded as BSE:532174

NSE:ICICIBANKNYSE:IBNBSE SENSEX Constituent

CNX Nifty ConstituentIndustry Banking,Financial services

Founded 1994

Headquarters Mumbai, Maharashtra,India

Area served Worldwide

Key people K. V. Kamath(Chairman)Ms.ChandaKochhar(MD & CEO)

Products Credit cards,Consumer

banking,corporatebanking,finance andinsurance,investmentbanking,mortgage loans,privatebanking,wealth management

Revenue US$ 13.52 billion (2012)

Operatingincome

US$ 2.12 billion (2012)[1]

Profit US$ 1.60 billion (2012)

Total assets US$98.99 billion (2012)

Total equity US$12.62 billion (2012)
http://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://www.bseindia.com/stock-share-price/x/y/532174/http://www.bseindia.com/stock-share-price/x/y/532174/http://www.bseindia.com/stock-share-price/x/y/532174/http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=ICICIBANK&section=7http://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=ICICIBANK&section=7http://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=ICICIBANK&section=7http://en.wikipedia.org/wiki/New_York_Stock_Exchangehttp://en.wikipedia.org/wiki/New_York_Stock_Exchangehttps://www.nyse.com/quote/XNYS:IBNhttps://www.nyse.com/quote/XNYS:IBNhttps://www.nyse.com/quote/XNYS:IBNhttp://en.wikipedia.org/wiki/BSE_SENSEXhttp://en.wikipedia.org/wiki/BSE_SENSEXhttp://en.wikipedia.org/wiki/S%26P_CNX_Niftyhttp://en.wikipedia.org/wiki/S%26P_CNX_Niftyhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/K._V._Kamathhttp://en.wikipedia.org/wiki/K._V._Kamathhttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/File:ICICI_Bank_Logo.svghttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Equity_(finance)http://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/ICICI_Bank#cite_note-10K-1http://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Chanda_Kochharhttp://en.wikipedia.org/wiki/K._V._Kamathhttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Mumbai,_Maharashtrahttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/S%26P_CNX_Niftyhttp://en.wikipedia.org/wiki/BSE_SENSEXhttps://www.nyse.com/quote/XNYS:IBNhttp://en.wikipedia.org/wiki/New_York_Stock_Exchangehttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=ICICIBANK&section=7http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.bseindia.com/stock-share-price/x/y/532174/http://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Types_of_business_entity


7/40


S.A.C.M.S Page 7


8/40


S.A.C.M.S Page 8

AWARDS

2004 - Best Bank in India Award presented by Euro money Magazine

2007- ICICI Bank has been conferred the Euro money Award 2007 for

the Best Bank in the Asia-Pacific Region--CICI Bank wins the Excellence in Remittance Business award by The

Asian Banker

2009

- ICICI Bank bags the "Best bank in SME financing (Private Sector)" atthe Dun & Bradstreet Banking awards

2011

- ICICI Bank is the only Indian brand to figure in the Brands Top 100

Most Valuable Global Brands Report, second year in a row

2012

-Airtel, ICICI among 'top 100 global brands

2013

- ICICI Bank has been adjudged winner at the Express IT Innovation

Award under the Large Enterprise category

2014

-According to theBrand Trust Report 2014, ICICI Bank was ranked 28th

among India's most trusted brands, a research conducted by Trust

Research Advisory.
http://en.wikipedia.org/wiki/The_Brand_Trust_Reporthttp://en.wikipedia.org/wiki/The_Brand_Trust_Report


9/40


S.A.C.M.S Page 9


10/40


S.A.C.M.S Page 10

OBJECTIVES

ICICI Bank's Green initiative is to make healthy environment in the

organization i.e.; to create intrapersonal skills among the customer and

understanding between employees of the organization.

Broad objectives of the ICICI are:

1.To assist in the creation, expansion and modernization of private

concerns.

2.to encourage the participation of internal and external capital in

the private concerns

3.To encourage private ownership of industrial investment.

4.They are forced to rely on their own money in order to manage

their expenses.

5.Good cash management.


11/40


S.A.C.M.S Page 11


12/40


S.A.C.M.S Page 12

NEED FOR THE STUDY

To conduct their operation properly

This will help them to make sure that they are not spending beyond

their means

Long term implications for the firm

Efficient logistics support

Ensuring timely deposit of collection

Timely execution of disbursement request


13/40


S.A.C.M.S Page 13


14/40


15/40


S.A.C.M.S Page 15

includes printing, signing and dispatch of cheques. One important

feature of customer cheques is that they can be customized to suit your

exact requirement. Through this facility the turnaround times for

delivery as well as the costs involved are reduced.

b) Demand DraftDemand draft printing renders corporations to make bulk

disbursements through demand drafts. This facility includes printing

and despatch of demand drafts / pay orders. In order to meet the

requirements of corporations that want ICICI Bank to issue demand

drafts at locations where ICICI Bank does not have a branch, ICICI Bankhas tied up with various banks, also known as correspondent banks,

thus rendering corporations to make payments not only at ICICI Bank

locations but also at our correspondent bank locations.

c) Internet-Based Cheque Writing

Internet-based cheque writing solution of ICICI Bank provides printing

facility at your premises or at your branches, based on information

uploaded through Corporate Internet Banking.

d) Electronic Payments

Electronic modes of payment solutions offered by ICICI Bank include

Funds Transfer, Real Time Gross Settlement (RTGS) and National

Electronic Funds Transfer (NEFT). Further, ICICI Bank also offers the

facility to send e-mail advices to the beneficiaries for all electronic fund

transfers.


16/40


S.A.C.M.S Page 16

i. Funds Transfer

This facility can be used for payment by customers tobeneficiaries who are ICICI Bank account holders. This method of

funds transfer is the fastest and the most secure form of

remittance.

ii. Real Time Gross Settlement (RTGS)

RTGS offers functionality of online, real time, funds transfer facilityacross banks. This facility can be used for transfers involving an amount

greater than or equal to Rs. 2, 00,000. RTGS advantages include

Seamless movement of funds

Real time transfers and faster credit

Elimination of delays due to outstation funds transfer

E-mail alerts to beneficiaries

iii.

National Electronic Funds Transfer

(NEFT)

NEFT facilitates transfer of funds electronically from one account to

another, between NEFT participant bank branches in India. This product

offers functionality of online funds transfer facility across banks. It is

primarily for low value transactions and offers an efficient, secure,economic, reliable and expeditious solution for funds transfer.


17/40


S.A.C.M.S Page 17

e) Dividend Payments

This facility renders payments to shareholders/investors fordividend, interest, redemption proceeds, IPO refunds and any other

payouts. ICICI Bank is one of the leading players in this business

segment, serving many of the elite corporations in India.

You can choose among a wide array of payment modes that

include physical as well as electronic modes. The physical modes of

payment comprise of warrants and demand drafts, including

foreign demand drafts. The electronic modes of payment compriseof Funds transfers to ICICI Bank account holders, Real Time Gross

Settlement (RTGS), Electronic Clearing Service (ECS), National

Electronic Funds Transfer (NEFT) and Foreign Telegraphic Transfer

(FTT).

Online Validatio

Extensive network

MIS and reconciliation

Systems and checks to detect fraudulent encashment and

duplicate payments

Dedicated customer service desk


18/40


S.A.C.M.S Page 18

Benefits & Features of cash management

services


19/40


S.A.C.M.S Page 19

CASH MANAGEMENT


20/40


S.A.C.M.S Page 20

CASH MANAGEMENT

ICICI BANK

Local Cheque Collections

One of the largest network spanning over 488 locations.

Courier pick-up can be provided.

Process flow can be structured to suit the companys

requirements.

Upcountry Cheque Collections

Coverage of over 3919 locations with tie-ups with correspondent

banks

Capability to process cheques drawn on any location in India.


21/40


S.A.C.M.S Page 21

Assured credit given with funds pooled at any ICICI Bank

location. Instrument level tracking of instruments to ensure

faster realization

Cash Collections

Cash Collection from dealers and business associates on behalf

of companies.

Cash pick-up facility in 28 locations.

Customized MIS for cash collection

Payment Products

Anywhere Banking

Cheques issued payable at par at various ICICI Bank locations.

Single account to be operated at any ICICI Bank branch for this

facil ity.

Ideal for small value, large volume payments


22/40


S.A.C.M.S Page 22

Fund Transfers

Online transfer of funds between accounts maintained with any

branch of ICICI Bank

Issue of Bulk Demand Drafts/ Pay

orders

Capability to issue Bulk Demand Drafts/Pay Orders on various

ICICI Bank and correspondent bank locations

Capability to accept online requests from the customers

Capability to print beneficiary advice and dispatch

Remote printing facilSimple process with a low turnaround

time and delivery.

Cheque Writing

Cheques can be issued on behalf of companies


23/40


S.A.C.M.S Page 23

Capability of processing large volumes of cheques in a short

turnaround time

Capability of printing facsimile signatures

Capability to print beneficiary advice and dispatch

Ideal for bulk payments such as pension payments, gratuity

payments

At Par Payments

Services can be availed for the at par payment of dividend

warrants /interest warrants/ refund order/redemption

payments/brokerage payments

Simplified and streamlined procedures ensuring smooth processflow online validation of instruments before payment? Regular

reconciliation statements provided by the bank

Covering over 100 major locations through own network (90%of

the payments) Arrangement with correspondent banks thereby

covering over 200 locations through instruments

based payments

ECS credit facility at all available locations


24/40


S.A.C.M.S Page 24

Cash Management

Manage your cash flow and liquidity-Effectively and Efficiently

For any organization, cash is the lifeblood that keeps the business

going. Thatswhy, increasingly, Cash Management has been gaining

importance with organizations that view the services as a crucial part

of their corporate strategies


25/40


S.A.C.M.S Page 25


26/40


S.A.C.M.S Page 26

DATA ANALYSIS

CASH FLOW OF ICICI BANK

---------------------------- IN RS.CR.----------------------

MAR 14 MAR 13 MAR 12 MAR 11 MAR 10

12

MTHS

12 MTHS 12 MTHS 12 MTHS 12 MTHS

NET PROFIT BEFORE TAX

13968.17 11396.69 8803.42 6760.70 5345.25

NET CASH FROM

OPERATING ACTIVITIES

4668.60 11102.01 -

15238.00

-

6908.92

1869.20

NET CASH(USED IN)/FROM

INVESTING ACTIVITIES

-

12246.48

-9431.56 -

12280.17

-2108.82 6150.72

NET CASH(USED IN)/FROM

FINANCING ACTIVITIES

6838.37 2989.72 28751.76 3105.97 1382.60

NET(DECREASE)/INCREASE

IN CASH & CASH

EQUIVALENT

112.08 5188.21 2139.23 -5960.84 8907.31

OPENING CASH & CASH

EQUIVALENT

41417.52 36229.31 34090.08 40050.92 29966.50

CLOSING CASH & CASH

EQUIVALENT

41529.60 41417.52 36229.31 34090.08 38873.60


27/40


S.A.C.M.S Page 27

Cash flow

(Rs. crore)

Mar ' 14 Mar ' 13 Mar ' 12 Mar ' 11 Mar ' 10

Profit before tax 13,968.17 11,396.69 8,803.42 6,760.70 5,345.32

Net cash flow-

operating activity 4,668.60 11,102.01

-

15,238.00 -6,908.92 1,869.21

Net cash used in

investing activity

-

12,246.48 -9,431.56

-

12,280.17 -2,108.82 6,150.73

Net cash used in fin.

Activity 6,838.37 2,989.72 28,751.76 3,105.97 1,382.62

Net Inc./Dec. in cash

and equivalent 112.08 5,188.21 2,139.23 -5,960.84 8,907.13

Cash and equivalent

begin of year 41,417.52 36,229.31 34,090.08 40,050.92 29,966.56

Cash and equivalent

end of year 41,529.60 41,417.52 36,229.31 34,090.08 38,873.69


28/40


S.A.C.M.S Page 28

ICICI Bank's Financial Summary OF CASH MANAGEMENT

Parameter MAR'14

( Cr.)

MAR'13

( Cr.)

Change

%

Net Profit Before Taxes 13,968.17 11,396.69 22.56%

Adjustments for Expenses & Provisions 1,717.93 1,737.27 -1.11%

Adjustments for Liabilities & Assets -6,856.51 1,166.95-

687.56%

Cash Flow from operating activities 4,668.60 11,102.01 -57.95%

Cash Flow from investing activities -12,246.48

-9,431.56 -29.85%

Cash Flow from financing activities 6,838.37 2,989.72 128.73%

Effect of exchange fluctuation on translation

reserve851.59 528.03 61.28%

Net increase/(decrease) in cash and cash

equivalents-739.51 4,660.17

-

115.87%

Opening Cash & Cash Equivalents 41,417.52 36,229.31 14.32%

Cash & Cash Equivalent on Amalgamation /

Take over / Merger0.00 0.00 0.00%

Cash & Cash Equivalent of Subsidiaries

under liquidations0.00 0.00 0.00%

Translation adjustment on reserves / opcash balalces frgn subsidiaries 0.00 0.00 0.00%

Effect of Foreign Exchange Fluctuations 0.00 0.00 0.00%

Closing Cash & Cash Equivalent 41,529.60 41,417.52 0.27%


29/40


30/40


S.A.C.M.S Page 30

METHODOLOGY OF DATA

COLLECTIONTHERE ARE TWO METHODS OF DATA COLLECTION

PRIMARY DATA

The primary data needed for the project analysis has been collected

through unstructured interviews and discussions conducted with the

finance department.

SECONDARY DATA

Data is collected from internet

From books

From prospectus of bank

The secondary sources of data are annual reports, brochures,

newspapers and web sources


31/40


S.A.C.M.S Page 31


32/40


S.A.C.M.S Page 32

HYPOTHESIS ANALYSIS

A hypothesis is a tentative statement about the relationship

between two or more variables. A hypothesis is made in order to find

out correct explanation of the phenomena.

From the data analysis or the cash management process of icici

bank, some points are observed, collected & predicted:-

Because of proper payment, collection of cash profitability of

bank is satisfactory.

For specific requirement of customer icici bank should

maintain cash pic-up, cash delivery. If Bank should manage cash properly time to time then

operational risk minimized, reduction in cost, security,

increased efficiency.

Online services help in reduction of time.


33/40


S.A.C.M.S Page 33


34/40


S.A.C.M.S Page 34

LIMITATIONS OF THE STUDY

It is not possible to judge all parameters to evaluate the efficiency in a

dynamic area like cash management analysis, some of the limitations of

the study are given below:-

The period of the study is limited.

Financial matters are sensitive in nature, the same could not

acquire easily.

It may be due to restrictions imposed by management.

Data is collected for five projects which is limited.


35/40


S.A.C.M.S Page 35


36/40


S.A.C.M.S Page 36

RECOMMENDATION &

SUGGESTION

After analysis and interpretation of the cash management

activities of icici bank & on the basis of references and final opinion, I

would like to give the following suggestions:-

The bank should concentrate on best method of cash

management.

For the better service new offers would be required.

Icici must take feedbacks of customers regarding their

services.

Prepare a monthly cash flow projection for upcoming year.

Prepare an up to date and accurate balance sheet for

managing cash effectively.

Analyzed cash flow statement


37/40


S.A.C.M.S Page 37


38/40


S.A.C.M.S Page 38

Conclusion

From the above analysis of data it can be concluded that icic

manage cash flow effectively by using various method. the bank has a

wide customers base , so the bank should concentrate on this to retain

these customers .

Icici should focus on-

Launch innovative product

Better customer services

Employees & customer retention

All are the key factors of bank for success in future.


39/40


S.A.C.M.S Page 39


40/40


BIBLIOGRAPHY

BOOKSFINANCIAL MANAGEMENT BY DR.P.C. TULSIAN

FINANCIAL MANAGEMENT BY L.M. PANDAY

CASH MANAGEMENT DR.PRADIP KUMAR SINHA

WEB SITE VISITED

www.icicibank.com

www.wikipedia.com

www.google.com

www.finance.answers.com
http://www.icicibank.com/http://www.icicibank.com/http://www.wikipedia.com/http://www.wikipedia.com/http://www.google.com/http://www.google.com/http://www.finance.answers.com/http://www.finance.answers.com/http://www.finance.answers.com/http://www.google.com/http://www.wikipedia.com/http://www.icicibank.com/

bba icici project

Documents