Date post: | 22-Jan-2015 |
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2. ICICI Bank - The e-Universal Bank Assets of US $ 21 bn Globally held (ADR, FII own 47% stake ) Second largest Bank in India - Technology Leader Rated by Moodys above sovereign rating First Indian Bank to be listed on NYSE 3. A universal banking powerhouse... Retail Financial Services Corporate Financial Services Term Loans Project Finance Commercial Bank Investment Bank Venture Capital Genl. Insurance IT Services Car Loans Mortgages Credit Cards Personal loans Deposits Life InsuranceMutual funds 4. Establishing an international presence Canada UK UAE Singapore USA China Phase I: Offices opened/to be opened shortly Phase II: Geographies under advanced stage of evaluation 5. Universal Banking Theme Smart Card Technology Empanelled expert for tax and accounting advice Web Trading InternetBanking MobileBanking Call Centre B2B Solutions Portals e-Commerce initiatives Leveraging Technology to enhance delivery capabilities 6. SME Sector Higher productivity High quality- greater competitiveness Sustainable revenue models Use ofTechnology Enables virtuous cycle of technology, innovation, competitiveness, openness to market economy and globalisation Virtuouscycle Single largest employer Fastest to adopt innovation Ensures equitable wealth distribution Importance of SME Sector in Technology 7. Financing options for SME Upto breakeven Long Sustainablegrowth VC / Bank / Debt markets Bank Finance / Debt/ IPO Short term Growth Loan/ Debt/ IPO Mid Term Creation Promoters Long Seed capital / Subsidy SME Lifecycle Suitable type Duration of financing required Suitable Channel Start up VC / Angel investor / Subsidy/Tax incentive Long VC / Promoters Maturity Public Debt/ Capital Market Short term VC / Angel investor / Subsidy/ Tax incentive/ VC/ Angel Investor / Promoters VC / Bank / Promoters Capital Market/ Debt markets 8. Financing for SMEs Financing for SMEs
Cluster Financing
9. Financing intervention for technology Financing intervention for technology can happen at 2 levels
10. Constraints in Financing SMEs..
11. SME Financing Approaches to SME Financing Prudent Segmentation Cash flow based evaluation Multiple channels offerings by leveraging Technology Migration to non-branch channels Key aspects Measurement of risk and mitigation Reduction in cost of transactions Delivery cost and reach 12. Enabling Framework for Technology Financing TechnologyFinancing Financing Quality Initiatives Priority Sector Mandated Lending Specialised Stock-markets Competitive pressure to encourage innovation Protection to nascent technical units Technical education/ skilled manpower Fiscal Measures, System and Infrastructure Cluster Development VC/ Angel incubators Institutional framework of nodal agencies for refinance/ guarantees Industrial extension services Enabling technology transfer incentives 13. BIS 2 Proposals Advantage SME
Risk sensitive capital framework holds promise that the regulatory framework will support SME lending by banks 14. ICICI Bank Initiatives SME Portal - Internet Banking Gateway for B2Bsites Supply Chain Financing on B2B loops Subsidiary network role in technology financing 15. 16. Case Study I - Supply Chain B2B Solution PurchaseOrder ERPInterface DespatchInvoices Dealer Overdraft Account ICICI Bank SME Dealer ABC Ltd 17. Case Study II - Smart card solution for FSCsBank Account/ Credit History Output Sale Collect Money Farmer Service Center
MerchantStore Input Online update of Bank accounts 18. Innovative DeliveryMechanisms Innovations in Delivery Channels Sustainable Access for Rural India (SARI) project Partners: MIT Media Labs, Harvard University, I-Gyan,
100 kiosks managed by entrepreneurs to be set-up
Delivering banking services through Internet kiosks 19. Other initiatives - I e-banking in ICICI Bank ICICI Markets online FX, Debt, SME Portal Corporate Infinity online transfer/ settlement system Bill Junction Utility bill payments Roaming Current Account web interface ICICI Direct and ICICI Select Pay Seal electronic payment system 20. Other Initiatives - II OTHER INITIATIVES Cluster Financing Fleet card for transporters Smart card for retailers Escrow payment services Facilitating e-Sales Tax/Octroi payments Shopping Mall arrangements 21. Subsidiary network support technology financing ICICI Eco-Net Internet &Technology Fund ICICI Infotech Services LimitedICICI InformationTechnology Fund ICICI Web Trade Limited ICICI OneSource Limited ICICI Equity Fund
22. Our recommendations
23. Road Ahead Liberalised normsfor tech transfer JV with foreign VCDirected lending normsto include all techintensive SME Re-finance ,guarantees,subsidies, VC fundsTax incentivesInfrastructure statusto IT, Bio-tech,telecom Public - Private Partnership 24. Thank You