Implementation Of It In Icici Bank
IMPLEMENTATION OF IT IN ICICI BANK
History of Banking in India 3
Early History 3
From World War I to Independence 4
Post Independence 4
Nationalization 5
Liberalization 5
Current Situation 6
IT Perspective 7
Structure of the Banking Industry 9
Typical Parameters of the Banking Industry 10
1. Regulatory Systems 10
2. Risk Assessment Systems 13
3. Technological Systems 14
4. Credit Quality 14
5. Net Interest Margin (NIM) 15
6. Operating Profit Margins (OPM) 15
7. Cost To Income Ratio 15
8. Other Income To Total Income 15
9. Credit to Deposit Ratio (CD ratio) 16
10. Capital Adequacy Ratio (CAR) 16
11. NPA Ratio 16
12. Provision Coverage Ratio 16
13. ROA 16
14. Price To Book Value 17
15. Market Cap to Total Income 17
Best-In-Class Organization 18
History 18
Business Operations of ICICI 19
Commercial Banking 20
Investment Banking 20
Funding 21
IT Implementation Track Record 22
Core Modules 25
Common Facilities 25
Functional Modules 26
Competition and its Contemporary Status 30
Future Scenario Building for the Industry 32
Strategic Use of IT 35
Reaching Rural Areas 35
Delivery Channels 35
Business Intelligence 36
Information Security Management 36
IT Vision and IT Strategy for ICICI 38
History of Banking in India
Banking in India originated in the first decade of 18th century. The first banks were The General Bank of India, which started in 1786, and Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the form of "The Bank of Bengal" in Calcutta in June 1806. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras....
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