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Profile of ICICI Bank

History

ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial

institution, and was its wholly-owned subsidiary. ICICI's shareholding in ICICI Bank was

reduced to 46% through a public offering of shares in India in fiscal 1998, an equity

offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition

of Bank of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary

market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was

formed in 1955 at the initiative of the World Bank, the Government of India and

representatives of Indian industry. The principal objective was to create a development

financial institution for providing medium-term and long-term project financing to Indian

businesses.

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.

After consideration of various corporate structuring alternatives in the context of

the emerging competitive scenario in the Indian banking industry, and the move towards

universal banking, the managements of ICICI and ICICI Bank formed the view that the

merger of ICICI with ICICI Bank would be the optimal strategic alternative for both


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entities, and would create the optimal legal structure for the ICICI group's universal

banking strategy. The merger would enhance value for ICICI shareholders through the

merged entity's access to low-cost deposits, greater opportunities for earning fee-based

income and the ability to participate in the payments system and provide transaction-

banking services. The merger would enhance value for ICICI Bank shareholders

through a large capital base and scale of operations, seamless access to ICICI's strong

corporate relationships built up over five decades, entry into new business segments,

higher market share in various business segments, particularly fee-based services, and

access to the vast talent pool of ICICI and its subsidiaries.

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 March 2002, and by the High Court of

Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the

merger, the ICICI group's financing and banking operations, both wholesale and retail,

have been integrated in a single entity.

3.3.2.2 Overview

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank,

a premier financial powerhouse, and Prudential plc, a leading international financial

services group headquartered in the United Kingdom. ICICI Prudential was amongst the


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first private sector insurance companies to begin operations in December 2000 after

receiving approval from Insurance Regulatory Development Authority (IRDA).

ICICI Prudential Life's capital stands at Rs. 4,793 crores (as of June 30, 2012)

with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the

period April 1, 2012 to June 30, 2012, the company has garnered total premium of Rs

2,385 crores and has underwritten over 13 million policies since inception. The

company has assets held over Rs. 70,000 crores as on June 30, 2012.

ICICI Prudential Life Insurance has maintained its focus on offering a wide range

of flexible products that meet the needs of the Indian customer at every step in life.

3.3.2.3 The ICICI Prudential Edge

The ICICI Prudential edge comes from our commitment to our customers, in all

that we do - be it product development, distribution, the sales process or servicing.

Here's a peek into what makes us leaders.

The products of ICICI have been developed after a clear and thorough

understanding of customers' needs. It is this research that helps us develop education

plans that offer the ideal way to truly guarantee your child's education, Retirement

solutions that are a hedge against inflation and yet promise a fixed income after you

retire, or Health insurance that arms you with the funds you might need to recover from

a dreaded disease.


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Having the right products is the first step, but it's equally important to ensure that

our customers can access them easily and quickly. To this end, ICICI Prudential has an

advisor base across the length and breadth of the country, and also partners with

leading banks, corporate agents and brokers to distribute our products.

Robust risk management and underwriting practices form the core of our

business. With clear guidelines in place, we ensure equitable costing of risks, and

thereby ensure a smooth and hassle-free claims process.

Entrusted with helping our customers meet their long-term goals, we adopt an

investment philosophy that aims to achieve risk adjusted returns over the long-term.

Last but definitely not the least, our team is given the opportunity to learn and

grow, every day in a multitude of ways. We believe this keeps them engaged and

enthusiastic, so that they can deliver on our promise to cover you, at every step in life.

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial

powerhouse, and Prudential plc, a leading international financial services group headquartered in the

United Kingdom. ICICI Prudential was amongst the first private sector insurance companies to begin

operations in December 2000 after receiving approval from Insurance Regulatory Development

Authority (IRDA).

ICICI Prudential Life's capital stands at Rs. 4,793 crores (as of March 31, 2013) with ICICI Bank andPrudential plc holding 74% and 26% stake respectively. For the financial year 2013, the company has

garnered total premium of Rs 13,538 crores and has underwritten over 13 million policies since

inception. The company has assets held over Rs. 74,000 crores as on March 31, 2013.

For the past decade, ICICI Prudential Life Insurance has maintained its dominant position (on new

business retail weighted basis) amongst private life insurers in the country, with a wide range of flexible

products that meet the needs of the Indian customer at every step in life.


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3.3.2.4 Vision & Values

Vision: To be the dominant Life, Health and Pensions player built on trust by

world-class people and service.

This we hope to achieve by:

Understanding the needs of customers and offering them superior products

and service

Leveraging technology to service customers quickly, efficiently and

conveniently

Developing and implementing superior risk management and investment

strategies to offer sustainable and stable returns to our policyholders

Providing an enabling environment to foster growth and learning for our

employees

And above all, building transparency in all our dealings

The success of the company will be founded in its unflinching commitment to 5

core values -- Integrity, Customer First, Boundaryless, Ownership and Passion. Each of

the values describes what the company stands for, the qualities of our people and the

way we work.


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family gets the sum assured (the cover amount). Term life insurance ensures that your

family receives a large lumpsum amount, called the sum assured, in the unfortunate

event of death of the policyholder. By offering this benefit at extremely competitive

rates, Term insurance plans provide an opportunity to get the protection of insurance

cover at extremely affordable prices.

Increasing liabilities:People today prefer to take loans to fulfilling their needs, instead of waiting to save

for the future. India's outstanding credit card debt had touched Rs 26,500 crore in May 2008, up by 87%

from May 2007. Hence, in your absence, your family needs to take care of this loan.

Nuclear family structure:Earlier, people could depend on their extended joint family system to take care

of their near and dear ones in case of their absence. However, the share of families with more than 5

members has come down from 64% in 1990 to 56% in 2005 and is expected to decrease further.**

Increasing lifestyle diseases:The share of lifestyle diseases in India is increasing. Also, people in senior

management are more prone to lifestyle diseases, as per an ICRIER Study.

**Source : Household Assets and Liability, NSS Report No. 500, 59th Round (January-December

2003).**Source: Euromonitor International

3.3.2.5.2Wealth plans

As an individual who doesnt desire the best from life? You would undoubtedly

want to plan your finances such that you can achieve all your goals - a car, a beautiful

home and of course, the comfort and contentment of your family. All of these goals are

long term in nature. Wealth insurance plans have been designed to ensure that you can

save for these long term goals along with the benefit of life cover and provide protection

to your family. Wealth insurance ensures that you receive a lumpsum amount of money

at the maturity of the Policy. In the unfortunate event of death during the term of the

policy, your family receives lumpsum amount, called the Sum Assured. Thus it

combines the benefits of protection and saving in a single instrument.
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Key Benefits of ICICI Pru Health SaverCoverage under the policy1 2 Guaranteed coverage up to age 75 for you and your family againstmedical expenses incurred due to hospitalisation Coverage against pre-existing illnesses & conditions after 2 yearssubject to acceptance by the company Provides comprehensive cover by allowing reimbursement for healthexpenses not covered by the hospitalisation benefit after 3 years A free health check-up once every 2 years after the first year No claim bonus of 5% of the annual limit for every claim free year up to a maximum of 25% Option to continue cover post 5 years even after stopping premiums Avail tax benefits under section 80D on premiums paid under theIncome Tax Act, 1961This benefit in your policy provides you cover against medical expensesthat require a minimum of 24 hours hospitalisation. In addition, over 125day-care procedures are also covered.The following expenses incurred during hospitalisation are covered,subject to your annual limit:1. Room, boarding and nursing expenses as charged by the hospitalwhere the insured availed medical treatment. You are entitled to a

A. Hospitalisation Insur3.3.2.5.3Child plans

As a parent, you would not like to compromise your child's bright career,

regardless of the rising cost of education. All you need is a savings plan that is

designed to provide money at key educational milestones and take care of your loved

ones future even if you are not around.

ICICI Pru child plan comes with a unique Payer Waiver Benefit (PWB). This

benefit ensures that in case of death of the parent, the company pays all future

premiums on behalf of the parent. This means that the child gets money at important

stages of his/her student life and education never suffers due to lack of funds.

Education solutions ensures comprehensive financial planning for your childs

education/ developmental needs. In this you pay premium regularly or in a single

lumpsum and during the key educational milestones of your child you can withdraw the

money partially. It offers financial protection to your childs future in the unfortunate

event of your death.
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3.3.2.5.4 Health plans

Designed to ensure that you and your family get the medical treatment whenever

you need it. Secure your family now with our health plans. Health insurance insures

you and your family against expenses arising due to a medical emergency and

uncertainty of health such as a hospitalisation or the onset of a critical illness. It

prevents a medical emergency from becoming a financial one; it ensures your health

care needs are taken care of without you having to dip into your existing savings or

compromising your future goals.

3.3.2.5.5 Retirement plans

Our pension plans are designed to ensure that your retirement years truly

become your golden years. They will provide you the financial security to pursue your

unfulfilled dreams. Retirement insurance ensures that you or your family members

receive a regular pension amount post a retirement date. You have the flexibility to

choose the retirement date and the manner in which you receive the pension.

3.3.2.5.6 Group plans

Employees these days are constantly on the prowl for "better opportunities". How

then do you get them to focus on your job and stay committed for long tenures? Human

Resource experts agree that employees work with utmost dedication when they believe

their organization truly cares about their wellbeing.


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One way of showing the concern for employees is to shoulder the two

responsibilities they worry about most: Security of and Savings for their families. Group

Insurance Plans from ICICI Prudential enable you to effortlessly provide your

employees with both, savings and security, so they can pass on the benefits to their

loved ones. Your kind gesture to safeguard their family's future will undoubtedly serve

as great encouragement for your employees, and they will gladly offer you their whole-

hearted commitment. With ICICI Prudential's Group Insurance Plans your employees

get:

Incomparable financial benefits that guarantee their safety and financial

stability.

Sound financial planning that empowers them to meet their changing financial

objectives.

Quality service initiatives and transparency across all operations.

3.3.2.5.7 Rural plans

ICICI Prudentials rural business initiative has played a very important role in

reaching the underserved segment through its rural insurance plans. ICICI Prudential

has covered more than 2.5 million lives across as many as 16 states in India. Both our

rural plans Sarva Jana Suraksha and Anmol Nivesh are tailored to meet the unique

requirements of rural investors. The plans offer Life cover, low and affordable premiums

and hassle free procedure.

3.3.2.6 Products


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Commitment to customers is at the core of every aspect of the companys

initiatives, be it product development, distribution, the sales process or servicing and

claims settlement. Product development is undertaken basis thorough research and

understanding of the needs of customers. For over a decade, ICICI Prudential Life

Insurance has maintained its focus on offering a wide range of flexible products that

meet the needs of the Indian customer at every stage in life. This has ensured that the

various products offered by the company strategically fit into the financial plan of the

customers and helps them achieve their various long term financial goals. In addition,

ICICI Prudential Life also has a comprehensive multichannel distribution network

spanning various geographic and income segments to ensure that its products and

services are accessible to customers. ICICI Prudential Life Insurance has been helping

customers meet their long term financial goals by adopting an investment philosophy

that aims to achieve risk adjusted returns over the long term. The customer centric

approach and focus on innovation has enabled the company to garner the unstinted

support of its customers and there creating a trusted brand in the Indian life insurance

sector.

3.3.3 Insurance Solutions for Individuals

ICICI Prudential Life Insurance offers a range of innovative, customer-centric

products that meet the needs of customers at every life stage. Its products can be

enhanced with up to 4 riders, to create a customized solution for each policyholder.

3.3.3.1 Savings & Wealth Creation Solutions


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ICICI Pru Life Stage Wealth IIis a unit linked insurance plan that offers multiple

choices to decide how your savings would be invested based on your risk appetite. UIN

- 105L118V02

ICICI Pru LifeTime Premier is a comprehensive savings plan that offers you a

choice of portfolio strategies for your savings and at the same time secures you against

uncertainties of life. UIN - 105L112V02

ICICI Pru Pinnacle Superis a unit linked insurance plan that gives you the

advantage of varying exposure to equities with downside protection, so that your

investments are protected in financially volatile times. UIN - 105L121V03

ICICI Pru Elite Life is a unit linked insurance plan that offers you multiple

choices on how to invest your savings along with an insurance cover.UIN - 105L125V02

ICICI Pru Elite Wealth is a unit linked insurance plan that offers you the greatest

value for your hard earned savings. Also, you get rewarded with Loyalty Additions from

the sixth year onwards to maximize the return on your investments. UIN - 105L126V02

ICICI Pru iAssure Single Premium a conventional non-participating single

premium product that provides you Guaranteed Maturity Benefit and also offers a life

cover to take care of your loved ones in your absence.UIN - 105N123V01

ICICI Pru Guaranteed Savings Insurance Plan is a limited pay endowment

product that allows you to enjoy the benefits of a long term savings plan ensuring that

you and your family are free of any financial worries. UIN - 105N114V02

ICICI Pru Future Secure is a participating endowment life insurance plan that

helps you save for specific goals in the future, while providing protection for your family

from financial distress in case of your untimely demise. Thus the dual benefit of savings


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and protection it helps you ensure a secure future for your loved ones. UIN -

105N117V01

ICICI Pru Whole Lifeprovides you with a unique double advantage of savings

and protection that not only allows you to meet your goals but also seeks to ensure that

your dear ones will continue to live their lives in comfort without financial worries in case

of unforeseen eventuality. UIN - 105N116V01

ICICI Pru Save 'n' Protectis plan for those who want to accumulate funds on a

regular basis while enjoying insurance protection. UIN - 105N004V02

ICICI Pru CashBakis a single policy that combines the triple benefit of

protection, savings & periodic liquidity. UIN - 105N005V02

3.3.3.2 Protection Solutions

ICICI Pru iCareis a term insurance plan that you can buy online at your

convenience at their home in a simple manner. UIN - 105N122V01

ICICI Pru Pure Protectis a flexible and affordable term product, with which you

can ensure your life and provide total security for your family in case of an unfortunate

event. UIN - 105N084V01

ICICI Pru LifeGuardis a protection plan, which offers life cover at low cost. It is

available in 2 options level term assurance with return of premium & single premium.

UIN - 105N006V02

3.3.3.3 Child Plans

ICICI Pru SmartKid Regular Premium is an endowment regular premium life

insurance plan which comes with a unique Payer Waiver Benefit (PWB). This benefit


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ensures that in case of death of the parent, the company pays all future premiums on

behalf of the parent. This means that the child gets money at important stages of his/her

student life and education never suffers due to lack of funds.UIN No - 105N014V02

ICICI Pru SmartKid Premier is a ULIP plan which ensures your childs

education continues even if you are not around. In this Plan you need to invest

premiums regularly over a period of time and the returns that you get will depend on the

performance of the underlying fund performance. UIN - 105L120V01

3.3.3.4 Retirement Solutions

ICICI Pru Immediate Annuityis a single premium annuity product that

guarantees income for life at the time of retirement. It offers the benefit of 5 payout

options. UIN - 105N009V06

3.3.3.5 Health Solutions

ICICI Pru Hospital Care II is a family floater plan covering your spouse and

children. This fixed benefit hospitalisation and surgical plan complements your existing

coverage by offering payouts over and above any health plan you have, thus availing

best possible medical treatment, without having to bother about the cost of the

treatment or quality of care. UIN - 105N108V01

ICICI Pru Crisis Coveris a product that will provide long-term coverage against

35 critical illnesses, total and permanent disability, and death. UIN - 105N072V01


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ICICI Pru Health Saveris a whole of life comprehensive health insurance policy

which provides a hospitalisation cover for you and your family and reimburses all other

medical expenses not covered in the hospitalisation benefit by building a health fund for

you and your family. UIN - 105L087V01

3.3.3.6 Group Insurance Solutions

ICICI Prudential also offers Group Insurance Solutions for companies seeking to

enhance benefits to their employees.

Group Gratuity Plan:ICICI Prudential Life's group gratuity plan helps employers

fund their statutory gratuity obligation in a scientific manner and also avail of tax benefits

as applicable to approved gratuity funds.

Group Leave encashment Plan:ICICI Prudential Lifes Group offers a market

linked and traditional leave encashment plan designed to aid the employer to build a

fund to meet their future leave encashment liability. The contributions made will be

invested as per the chosen investment plans and will be available for payment of the

benefit when it falls due. Additionally, the product also provides for term cover for all the

employees covered under the policy. UIN - 105L079V01

Group Term Insurance Plan:ICICI Prudential Life's flexible group term is a one-

year renewable life insurance policy that enables you to provide every member of your

team with an affordable life cover.

Group Term in lieu of EDLI Scheme:ICICI Prudential's Group Insurance

Scheme in lieu of EDLI has been certified by the Employee Provident Fund

Organization (EPFO) as a superior product that provides greater insurance benefits

than the cover offered by EPFO.


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Credit AssureWith Credit Assure, we offer an innovative and affordable term life

insurance plan that covers loans against the unfortunate event of death, with complete

convenience in application. The scheme is simple and hassle-free. In other words,

peace of mind guaranteed.

3.3.3.7 Flexible Rider Options

ICICI Prudential Life offers flexible riders, which can be added to the basic policy

at a marginal cost, depending on the specific needs of the customer.

Accident & disability benefit:If death occurs as the result of an accident during

the term of the policy, the beneficiary receives an additional amount equal to the rider

sum assured under the policy. If an accident results in total and permanent disability,

10% of rider sum assured will be paid each year, from the end of the 1st year after the

disability date for the remainder of the base policy term or 10 years, whichever is lesser.

Critical illness benefit:Critical Illness Benefit Rider provides protection against

9 critical illnesses to the policyholder when attached to the basic plan.

Income Benefit Rider: In case of death of the life assured during the term of the

policy, 10% of the rider sum assured is paid annually to the beneficiary, on each policy

anniversary till maturity of the rider. Income Benefit rider is available with SmartKid

Child Plans. Premiums paid under this rider are eligible for tax benefits under Section

80C.

Waiver of Premium Rider (WOP):On total and permanent disability due to an

accident, all future premiums for both the base policy and rider(s) will be waived till the

end of the term of the rider or death of the life assured, if earlier.


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Private Player Life Insurance 2011 at the CNBC TV18 Best Bank and Financial

Institution Awards for FY11. ICICI Prudential Life Insurance was awarded the ICWAI

National Award for Excellence in Cost Management 2010 under the Private sector-

Service (Large) category at ICWAI annual event.

ICICI Pru Life ranked as the Most Trusted Pvt Life Insurance brand in the Brand

Equity "Most Trusted Brands 2009" survey. The International Council of Customer

Service Organizations (ICCSO) recently awarded ICICI Prudential Life, the International

Service Excellence Awards 2009 in the categories of Customer Charter Winner,

Service Excellence in Large Business Highly Commended and Customer Service

Leader awarded to Ms. Priya Nayak, VP-Service Quality. CICI Prudential Life

Insurance has won the first runner up award for the Best Defect Elimination in Service &

Transaction category at Asian Six Sigma Excellence Summit 2009.

ICICI Prudential Life won a Gold award for AboutULIPS.com and Health Saver

campaign, innovation award forwww.taxguru08-09.comand a silver award for its

Insurance yoga campaign at the ICICI Group Marketing Excellence award.

Confederation of Indian Industry (CII) - Western Region recently awarded ICICI

Prudential Life a 'Commendation for Strong Commitment to HR Excellence 2008' at the

CII HR Summit 2008. ICICI Prudential Life Insurance was awarded with the coveted

'ICAI Award for Excellence in Financial Reporting' by the Institute of Chartered

Accountants of India (ICAI) for the financial year ended March 31, 2008. ICICI

Prudential Life was awarded the Life Insurance Company of the Year at the12th Asia
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Insurance Industry Awards 2008. CICI Prudential Life was awarded with two Bronze

Effies in the sevices category for its Corporate campaign and Retirement Number

campaign ICICI Prudential Life Insurance won the award for the Best Life Insurer-

Runner up at the Outlook Money & NDTV Profit Awards 2008. ICICI Prudential Life was

awarded the SAP ACE 2008 Best Business Objects Award for its IT practices. ICICI

Prudential Life won the Award for Brand Excellence in the Banking and Financial

services category at the Asia Brand Congress 2008. ICICI Prudential Life won the UK

Trade & Investment India Business Awards 2008 in the Business Partnership Award-

Large Company category. ICICI Prudential Life won the ICICI Group Marketing

Excellence Award 2008 in three key categories for its marketing initiatives. ICICI

Prudential Life was awarded the INDYs Award for Excellence in Mass Communication

in the category of Most Creative Advertisement-Television.

ICICI Prudential Life Insurance won the award for the Best Life Insurer-Runner

up at the Outlook Money & NDTV Profit Awards 2007. ICICI Prudential Lifes,

retirement solutions campaign for the year 2006-07 was awarded the Bronze Effie

trophy in the services category.It also won the Brand Equity Bravery Award 2007,

instituted by Ad Club. ICICI Prudential Lifes website,www.iciciprulife.comwas awarded

the best website among private life insurers at the Web 18 and Frost & Sullivan Genius

of the Web Awards 2007 for commendable work in the online medium.

Innovation Award for launching Diabetes Care Prudence Award 2006. People

Award for excellence in training and people development - Prudence Award 2006.
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India's Most Customer Responsive Insurance Company. Avaya GlobalConnect -

Economic Times. Customer Responsiveness Awards. Most Trusted Private Life

Insurer. The Economic Times - A C Nielsen Survey of Most Trusted Brands 2003,

2004 and 2005. Prudence Customer Centricity Award 2004 & 2005. Prudential

Corporation Asia.


Economic Times. Customer Responsiveness Awards. Most Trusted Private Life

Insurer. The Economic Times - A C Nielsen Survey of Most Trusted Brands 2003,

2004 and 2005. Prudence Customer Centricity Award 2004 & 2005. Prudential

Corporation Asia. Best Life Insurer 2003. Outlook Money Awards 2003 & 2004. IMM

Award for Excellence. Institute of Marketing & Management. Organisation with

Innovative HR Practices Indira Group of Institutes. Superbrand 2003-04: Organisation

with Innovative HR Practices Asia-Pacific H R Congress Awards for HR Excellence.


Economic Times. Customer Responsiveness Awards. Most Trusted Private Life Insurer.

The Economic Times - A C Nielsen Survey of Most Trusted Brands 2003, 2004 and

2005. Best Life Insurer 2003. Outlook Money Awards 2003 & 2004. IMM Award for

Excellence. Institute of Marketing & Management. Organisation with Innovative HR

Practices Indira Group of Institutes. Superbrand 2003-04: Organisation with Innovative


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HR Practices Asia-Pacific H R Congress Awards for HR Excellence. Silver Effie for

Effectiveness of the Retire from Work not life advertising campaign Effies 2003.

icici profile new25!08!13

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