life project report

8/3/2019 Life Project Report

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LIFE PROJECT REPORT

ON

SUBMITTED BY:

DEEPANSHU MEHTA

BBA 3RD SEMESTER

JIMS LAJPAT NAGAR

1090110496


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ICICI BANK

ICICI Bank is Indias second-largest bank with total assets of Rs.3, 446.58 billion (US$ 79 billion) at March 31,

2009 and profit after tax Of Rs.3 1 .1 0 billion for fiscal 2009. ICICI Bank is the most valuable Bank in India in

terms of market capitalization and is ranked h ire amongst all the companies listed on the Indian stock exchanges.

In terms of free float market capitalization*. The Bank has a network of about 950 Branches and 3,300 ATMs in

India and presence in 17 countries.

ICICI Bank offers a wide range of banking products and financial services to corporate and retail customer

through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of

investment banking, life and non-life insurance, venture capital and asset management. The Bank currently hassubsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka

and Dubai International Finance Center and representative offices in the United States, United Arab Emirates,


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China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. UK subsidiary has established a branch in

Belgium.

ICICI Bank's equity shares are listed in India on Bombay Stock Exchange (BSE) and the National Stock Exchange

(NSE) of India Limited audits American Depositary Receipts (ADRs) are listed on the New York Stock Exchange

(NYSE).


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HISTORY

ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its whollyowned 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 scenarioin 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

entities, and would create the optimal legal structure for the ICICI group's universal banking strategy. The merger


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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 Cist of Gujarat at Ahmedabad in March 2002,

and by the High Cist 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.


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BOARD OF DIRECTORS

MR. N.Vaghul (CHAIRMAN)MR. Sridar Iyengar

MR. Lakshmi N. Mittal

MR. Narendra Murkumbi

MR. Anupam Puri

MR. Vinod Rai

MR. M. K. Sharma

MR. P.M. Sinha

Prof. Marti G. SubrahmanyamMR. T. S. Vijayan

MR. V. Prem Wasta

MR. K. V. Kamath (MANAGING DIRECTOR & CEO)

MR. Chanda Kochhar (JOINT MANAGING DIRECTOR)

MR. Nachiket MOR (DEPUTY MANAGING DIRECTOR)

MR. V. Vaidyanathan, (EXECUTIVE DIRECTOR)

MR. Sonjoy Chatterjee (EXECUTIVE DIRECTOR)


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BOARD COMMITTEES

Audit Committee Board Governance& RemunerationCommittee

Mr. Sridar IyengarMr. Narendra MurkumbiMr. M. K. Sharma

Mr. N. VaghulMr. Anupam PuriMr. M. K. SharmaMr. P. M. SinhaProf. Marti G.Subrahmanyam

Customer Service

Committee

Credit Committee

Fraud Monitoring

Committee

Risk Committee

Mr. M. K. SharmaMr. Narendra MurkumbiMr. K. V. KamathMs. Chanda D. KochharMr. V. Vaidyanathan

Mr. N. VaghulMr. Sridar IyengarProf. Marti G.SubrahmanyamMr. V. Prem Watsa


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Mr. K. V. Kamath

Share Transfer &

Shareholders/ Investors

Grievance Committee

Asset-Liability

Management

Committee

Mr. M. K. SharmaMr. Narendra MurkumbiMs. Chanda D. KochharMs. Madhabi Puri-Buch

Ms. Chanda D. KochharDr. Nachiket MorMs. Madhabi Puri-BuchMr. V. Vaidyanathan

Committee of

Directors ------

Mr. K. V. KamathMs. Chanda D. KochharDr. Nachiket MorMs. Madhabi Puri-BuchMr. V. Vaidyanathan

------


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ORGANISATIONAL STRUCTURE OF ICICI

BANK

ICICI Banks organization structure is designed to be flexible and customer- focused, while seeking to ensure

effective control and supervision and consistency in standards across the organization and align all areas of

operations to overall organizational objectives. The organization structure is divided into six principal groups

Retail Banking, Wholesale Banking, International Banking, Rural (Micro-Banking) and Agriculture Banking,

Government Banking and Corporate Center.

RETAIL BANKING

The Retail Banking Group is responsible for products and services for retail customers and small enterprises

including various credit products, liability products, distribution of third party investment and insurance products

and transaction banking services.

WHOLESALE BANKING


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The Wholesale Banking Group is responsible for products and services for large and medium-sized corporate

clients, including credit and treasury products, investment banking, project finance, structured finance and

transaction banking services.

INTERNATIONAL BANKING

The International Banking Group is responsible for its international operations, including operations in various

overseas markets as well as its products and services for non-resident Indians and its international trade finance

and correspondent banking relationships.

RURAL AND AGRICULTURAL BANKING

The Rural, Micro-Banking & Agro-Business Group is responsible for envisioning and implementing rural

banking strategy, including agricultural banking and micro-finance.

CORPORATE CENTER

The Corporate Center comprises the internal control environment functions (including operations, risk management,

compliance, audit and legal); finance (including financial reporting, planning and strategy, asset liability


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management, investor relations and corporate communications); human rustics management; and facilities

management & administration.

BUSINESS REVIEW

During fiscal 2009, the Bank continued to grow and diversify its asset base and revenue streams by leveraging the

growth platforms created over the past few years. It maintained its leadership position in retail credit, achieved

robust growth in its fee income from both corporate and retail customers, grew its deposit base and significantly

scaled up its international operations and rural reach.

RETAIL BANKING

ICICI is the largest provider of retail credit in India. ICICIs total retail disbursements in fiscal 2009 were

approximately Rs. 777.00 billion, compared to approximately Rs. 627.00 billion in fiscal 2008. Its total retail

portfolio increased from Rs. 921.98 billion at March 31, 2008 to Rs. 1,277.03 billion at March 31, 2009,

constituting 65% of its total loans at that date. It continued its focus on retail deposits to create a stable fundingbase. At March 31, 2009 it had more than 25 million retail customer accounts.

During fiscal 2009, it expanded its branch network. At March 31, 2009, it had 755 branches and extension

counters compared to 614 branches and extension counters at March 31, 2008. Pursuant to the amalgamation of


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The Sangli Bank Limited with it effective April 19, 2009, it acquired over 190additional branches and extension

counters. It continued to expand its electronic channels, namely internet banking, mobile banking, call centers,

point of sale terminals and ATMs, and migrate customer transaction volumes to these channels. During fiscal

2009, over 80% of customer induced transactions took place through these electronic channels. It increased its

ATM network to 3,271 ATMs.

SMALL AND MEDIUM ENTERPRISES

In this segment its strategy has been focused around customer convenience in transaction banking services, and

working capital loans to suppliers or dealers of large corporations and clusters of small enterprises that have a

homogeneous profile. During fiscal 2009, its customer base increased by more than 50% to over 900,000transaction banking customers. These customers are serviced by over 580 branches of the Bank, covering over

200 locations. During fiscal 2009, the Emerging India Award entered in the Limca Book of Records as the

biggest business award in India.

CORPORATE BANKING

Its corporate banking strategy is based on providing comprehensive and customized financial solutions to itscorporate customers. It offer a complete range of corporate banking products including rupee and foreign currency

debt, working capital credit, structured financing, syndication and transaction banking products and services.


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Fiscal 2009 saw continuing demand for credit from the corporate sector, with growth and additional investment

demand in almost all sectors. It is now a preferred partner for Indian companies for syndication of external

commercial borrowings and other fund raising in international markets.

RURAL BANKING

Its rural strategy is based on enhancing value at every level of the supply chain in all important farm and non-farm

sectors. Towards this end, it offer a range of financial products and services that cater to the rural masses in all the

important sectors like infrastructure, horticulture, food processing, dairy, poultry, seeds, fertilizer and agrochemical

industries. Customized financial solutions are offered to individual customers, agric small & medium enterprises,

agree corporate and members of their supply chains. On the rural retail side, the Bank offers crop loans, farm

equipment financing, commodity-based loans, and working capital loans for agric-enterprises, microfinance loans,

jewel loans as well as savings, investment and insurance products. In addition bank is introducing products like rural

housing finance to cater to the needs of rural customers. During fiscal 2009, it introduced loans to rural educational

institutions for expansion of their facilities.

It has developed a hybrid distribution channel strategy, a combination of branch and non-branch channels (credit

access points). It has embarked on a no white spaces strategy wherein it aims to setup an ICICI Bank touch pointwithin 10 km of any customer. The amalgamation of Sangli Bank would extend its outreach in rural areas. During

fiscal 2009, a provision of Rs. 0.9 billion (USS$ 22 million) was made on account of identified frauds in warehouse

receipt financing business of agricultural credit.


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INTERNATIONAL BANKING

ICICI Bank has established a strong franchise among non-resident Indians (NRI). It has established strong

customer relationships by offering a comprehensive product suite, technology-enabled access for overseas

customers, a wide distribution network in India and alliances with local banks in various markets. It has over

450,000 NRI customers. It has undertaken significant brand-building initiatives in international markets and has

emerged as a well-recognized financial services brand for NRIs. Its market share in inward remittances into India

has increased to over 25%. It has consolidated its global remittance initiative, targeting non-Indian communities,

by leveraging its core capabilities of technology-based service delivery. A large number of remittance products

were introduced to complement the existing suite of products. The business focus has been on rolling out

successful products across multiple geographies and getting into high volume correspondent arrangements.


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RISK ASPECTS OF ICICI BANK

RISK MANAGEMENT

Risk is an integral part of the banking business and bank aim at delivering superior shareholder value by

achieving an appropriate trade-off between risk and returns. Bank is exposed to various risks, including credit

risk, market risk and operational risk. Banks risk management strategy is based on a clear understanding of

various risks, disciplined risk assessment and measurement procedures and continuous monitoring. The policies

and procedures established for this purpose are continuously benchmarked with international best practices. Bank

has two dedicated groups, the RISK MANAGEMENT GROUP (RMG) and COMPLIANCE & AUDIT GROUP

(CAG) which is responsible for assessment, management and mitigation of risk in ICICI Bank. These groups

from part of the corporate center are completely independent of all business operations and are accountable to the

Risk and Audit committees of the Board of directors. RMG is further organized into the Credit Risk Managementgroup, Market Risk Management group, Retail Risk Management group and Operational Risk Management

group. CAG is further organized into the Credit Policies, RBI Inspection & Anti-Money Laundering Group and

the Internal Audit Group.


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CREDIT RISK

Credit risk is the risk that a borrower is unable to meet its financial obligations to the lender. Bank measure, monitor

and manage credit risk for each borrower and also at the portfolio level. Bank has standardized credit-approval

processes, which include a well-established procedure for comprehensive credit appraisal and rating. ICICI Bank has

well developed internal credit rating methodologies for rating obligors. The rating factors in quantitative, qualitative

issues and credit enhancement features specific to the transaction. The rating serves as a key input in the approval as

well as post-approval credit processes. Industry knowledge is constantly updated through field visits and interactions

with clients, regulatory bodies and industry experts. In retail credit operations, the Board or a Board Committee

approves all products, policies and authorizations. Credit approval authority lies only with the credit officers who are

distinct from the sales team. Credit scoring models are used in the case of certain products like credit cards. External

agencies such as field investigation agencies and credit processing agencies are used to facilitate a comprehensive

due diligence process including visits to offices and homes in the case of loans to individual borrowers.


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MARKET RISK

Market risk is the risk of loss resulting from changes in interest rates, foreign currency exchange rates, equity prices

and commodity prices. The objective of market risk management is to minimize the impact of losses on earnings and

equity capital due to market risk. Market risk policies include the Investment Policy and the Asset-Liability

Management (ALM) Policy. The policies are approved by the Board of Directors. The Asset Liability Management

Committee (ALCO) of the Board of Directors stipulate liquidity and interest rate risk limits, monitors adherence to

limits, articulates the organizations interest rate view and determines the strategy in light of the current and expected

environment. These policies and processes are articulated in the ALPM policy. The investment policy addresses

issues related to investment in various trading products. RMG exercises independent control over the process of

market risk management and recommends changes in process and methodologies for measuring market risk Interest

rate risk is measured through the use of re-pricing gap analysis and duration analysis. Liquidity risk is measured

through gap analysis. Bank ensure adequate liquidity at all time through systematic funds planning and maintenance

of liquid investment as well as focusing on more stable funding sissies such as retail deposits. ICICI Bank limit

exposure to exchange rate risk by stipulating position limits. The treasury Middle Office Group monitors the asset -

liability position under the supervision of the ALCO. The Treasury Middle Office Group is also responsible for


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processing treasury transactions, tracking the daily funds position and complying with all treasury related

management and regulatory reporting requirements.

OPREATIONAL RISK

Operational risk is the risk of loss that can result from a variety of factors, including failure to obtain proper

internal authorizations, improperly documented transactions, failure of operational and information security

procedures, computer systems, software or equipment, fraud, inadequate training and employee errors. Banks

approach to operational risk management is designed to mitigate operational risk by maintaining a comprehensive

system of internal controls, establishing systems and procedures to monitor transactions, maintaining key back-

up procedures and undertaking regular contingency planning. Effective operational risk management system

would ensure that bank has sufficient information to make appropriate decisions about additional controls,

adjustments to controls, or other risk responses. Operational risk management policy aims at minimizing losses

and customer dissatisfaction due to failure in processes, focusing on flaws in products and their design that can

expose the bank to losses due to fraud, analyzing the impact of failures in systems, developing mitigate to

minimize the impact and developing plans to meet external shocks that can adversely impact continuity in the

banks operations.


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AWARDS

2004: Best Bank in India Award presented byEuromoney Magazine. 2007: ICICI Bank has been conferred the Euromoney Award 2007 for the Best Bank in the Asia-Pacific Region. 2007: ICICI Bank wins the Excellence in Remittance Business award by The Asian Banker. 2009: ICICI Bank bags the "Best bank in SME financing (Private Sector)" at the Dun & Bradstreet Banking awards. 2011: ICICI Bank is the only Indian brand to figure in the BrandZ Top 100 Most Valuable Global Brands Report,

second year in a row.

2011: ICICI Bank ranked 5th in the list of "57 Indian Companies", and 288 th in World Rankings in Forbes Global2000 list.

2011: ICICI Bank has won the "Banking Technology Awards 2010" at The Indian Banks Association in the following

categories. 2011: ICICI Bank was recognized for its Special Citation of the Fully Electronic Branch Service Channel, first set up at

Hiranandani Estate, Thane, at the Financial Insights Innovation Awards held in conjunction with Asian Financial

Services Congress.


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2011: For the second year in a row, ICICI Bank was ranked 70th in the Brandirectory league tables of the worlds mostvaluable brands by, The BrandFinance Banking 500.

2011: ICICI Bank was ranked 1st in the Banking and Finance category and 9th in the "2010 Best Companies To WorkFor" by Business Today.

2011: ICICI Bank UK, HiSAVE product range has been awarded the Consumer Moneyfacts Awards 2011 for the 'BestOnline Savings Provider'


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PRODUCTS AND SERVICES

BANKING ACCOUNTS

ICICI Bank offers a wide range of banking accounts such as Current, Saving, Life Plus Senior, Recurring Deposit,

Young Stars, Salary Account etc. tailor-made for every customer segments, from children to senior citizens.

Convenience and ease to access are the benefits of ICICI Bank accounts.

YOUNG STARS ACCOUNT

A special portal for children to learn banking basics, manage personal finances and have a lot of fun.

BANK@CAMPUS

This student banking services gives students access to their account details at the click of a mouse. Plus, the student

gets a chequebook, debit card and annual statements.

SAVINGS ACCOUNTS

Convenience is the name of the game with ICICI banks savings account. Whether it is an ATM/debit card, easywithdrawal, easy loan options or internet banking, ICICI banks saving account always keep you in touch of money.


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FIXED DEPOSITS

ICICI Bank offers a range of deposit solutions to meet varying needs at every stage of life. It offers a range of

tenures and other features to suit all requirements.

INSURANCE

. The ICICI group offers a range of insurance products to cover varying needs ranging from life, pensions and health,

to home, motor and travel insurance. The products are made accessible to customers through a wide network of

advisors, banking partners, corporate agents and brokers with the added convenience of being able to buy online

LIFE INSURANCE

The ICICI group provides the many life insurance products through ICICI Prudential Life Insurance Company.

GENERAL INSURANCE

The ICICI group provides the many general insurance products like motor, travel and home insurance through ICICI

Lombard General Insurance Company.


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LOANS

ICICI bank offers a range of deposits solutions to meet varying needs at every stage of life. It offers a range of

tenures and other features to suit all requirements.

HOME LOAN

The No. 1 Home Loans Provider in the country, ICICI Bank Home Loans offers some unbeatable benefits to its

customers -Doorstep Service, Simplified Documentation and Guidance throughout the Process. It's really easy!

PERSONAL LOAN

ICICI Bank Personal Loans are easy to get and absolutely hassle free. With minimum documentation you can

now secure a loan for an amount up to Rs. 15 lakhs.

VEHICLE LOANS

The No. 1 financier for car loans in the country. Network of more than 2500 channel partners in over 1000

locations. Tie-ups with all leading automobile manufacturers to ensure the best deals. Flexible schemes & quick

processing are the main advantages are here. Avail attractive schemes at competitive interest rates from the No 1

Financier for Two Wheeler Loans in the country. Finance facility up to 90% of the On Road Cost of the vehicle,

repayable in convenient repayment options and comfortable tenors from 6 months to 36 months.


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CARDS

ICICI Bank offers a variety of cards to suit different transactional needs. Its range includes Credit Cards, Debit

Cards and Prepaid cards. These cards offer you convenience for financial transactions like cash withdrawal,

shopping and travel. These cards are widely accepted both in India and abroad.

CREDIT CARD

ICICI Bank Credit Cards give you the facility of cash, convenience and a range of benefits, anywhere in the

world. These benefits range from life time free cards, Insurance benefits, global emergency assistance service,

discounts, utility payments, travel discounts and much more.

DEBIT CARD

The ICICI Bank Debit Card is a revolutionary form of cash that allows customers to access their bank account

around the clock, around the world. The ICICI Bank Debit Card can be used for shopping at more than 3.5 Lakh

merchants in India and 24 million merchants worldwide.

TRAVEL CARD


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ICICI Bank Travel Card. The Hassle Free way to Travel the world. Traveling with US Dollar, Euro, Pound

Sterling or Swiss Francs; Looking for security and convenience; take ICICI Bank Travel Card. Issued in

duplicate. Offers the Pin based security. Has the convenience of usage of Credit or Debit card.

MOBILE BANKING

Bank on the move with ICICI Bank Mobile Banking. With ICICI Bank, Banking is no longer what it used to be.

ICICI Bank offers Mobile Banking facility to all its Bank, Credit Card, Demat and Loan customers. ICICI Bank

Mobile Banking can be divided into two broad categories of facilities: Alert facility: ICICI Bank Mobile Banking

Alerts facility keeps you informed about the significant transactions in its Accounts. It keeps you updated

wherever you go.

Request facility: ICICI Bank Mobile Banking Requests facility enables you to query for its account balance.

INVESTMENT PRODUCTS

Along with Deposit products and Loan offerings, ICICI Bank assists you to manage its finances by providing

various investment options ranging from ICICI Bank Tax Saving Bonds to Equity Investments through Initial

Public Offers and Investment in Pure Gold. ICICI Bank facilitates following investment products:


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ICICI Bank Tax Saving Bonds

Government of India Bonds

Investment in Mutual Funds

Initial Public Offers by Corporate Investment in "Pure Gold"

Foreign Exchange Services

Senior Citizens Savings Scheme, 2 0 0 4

TRADE-SERVICES: ICICI Bank offers online remittances as well as online processing of letters of

credit and bank guarantees.

ASSET-MANAGEMENT: Prudential ICICI Asset Management Company offers a wide range of retail

mutual fund products tailored to suit varied risk and maturity profiles.

CASH MANAGEMENT: ICICI Bank offers a complete range of highly customized solutions for

managing both the collections and payments requirements of clients by leveraging technology. Daily

customized transactions reports and real time web-enabled


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Downloads, provide on-tap information facilitating effective working capital management.

CORPORATE BANKING: ICICI Bank offers comprehensive and customized financial solutions for its corporate

clients, including rupee and foreign currency debts; working capital credit structured financing syndication and

transaction banking products and services.

INTERNET BANKING: Internet banking is available to all ICICI bank savings and deposit account holders, credit

card, demat and loan customers. Internet banking service offers customers a world of convenience with services such

as balance enquiry,transaction history, account statement, bill payments, fund transfers and accounts related service

requests.

ATMs: With more than 2500 ATMs across the country, ICICI Bank has one of the largest ATM networks in

India

PHONE BANKING: Phone banking offers 24*7 service across liability, asset and investment products to both retail

and corporate customers.


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NRI-BANKING : A gamut of services to take care of all NRI banking needs including deposits, money transfers and

private banking.

MONEY2INDIA: A complete range of online and offline money transfer solutions to send money to India.

PROPERTY: For millions of home buyers across the country, ICICI Bank offers not just great deals on home loans

but also a wealth of expert advice. ICICI Bank offers home search service which can help a customer identify the

property of his choice based on his budget and other requirements.

DEMAT ACCOUNTS: ICICI Banks demat services after unique features like e-constructions, consolidation,

digitally signed statements, mobile requests and corporate benefit tracking.

RURAL-BANKING: Bank offers technology-based solutions, financial innovations and multiple delivery channels

to meet the financial needs of rural areas.

MICROFINANCE: ICICI Bank assists over 2.5 million low income clients to build livelihoods by partnering with

over 100 microfinance institutions.

BRANCHES: ICICI Bank has a network of over 630 branches (of which 51 are extension counters) across the

country. The network puts a wide range of banking products and financial services with in easy reach of retail and

corporate customers.


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SUBSIDIARY COMPANIES

DOMESTIC SUBSIDIARIES

ICICI Home Finance Company Limited ICICI Investment Management Company Limited ICICI Lombard General Insurance Company Limited ICICI Prudential Life Insurance Company Limited ICICI Securities Limited ICICI Trusteeship Services Limited ICICI Venture Funds Management Company Limited ICICI Securities Primary Dealership Limited ICICI Prudential Asset Management Company Limited ICICI Prudential Trust Limited


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INTERNATIONAL SUSIDIARIES

ICICI Bank Canada ICICI Bank Eurasia Limited Liability Company ICICI International Limited ICICI Securities Holding Inc ICICI Securities Inc ICICI Bank U.k. Limited


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KEY GROUP COMPANIES


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BIBLIOGRAPHY:

WWW.GOOGLE.COM

WWW.ICICIBANK.COM
http://www.google.com/http://www.icicibank.com/http://www.icicibank.com/http://www.icicibank.com/http://www.google.com/

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