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ICICI银行：修订间差异

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== 争议 ==
== 争议 ==

=== 不人道的追债方式 ===
=== 不人道的追债方式 ===
在银行部门崭露头角数年后，ICICI银行就其针对贷款违约者使用的追偿方法面临指控。部分追讨人员和银行雇员会威胁欠款人，甚至当众羞辱欠款人，并要求其“卖掉家里的一切，包括家庭成员“。2007年，更有欠款者因此自杀，导致了法律诉讼和银行支付巨额赔偿<ref>{{Cite news |url=https://www.hindustantimes.com/india/4-arrested-in-icici-loan-death-case/story-mAMIPkmkbDsXl7BP9zH8oN.html |title=4 arrested in ICICI loan death case |author=Ashok Das |date=2007-06-25 |work=Hindustan Times |accessdate=2020-11-24 |language=en}}</ref><ref>{{Cite news |url=https://economictimes.indiatimes.com/industry/banking/finance/banking/sc-dismisses-icici-banks-plea-on-loan-recovery-issue/articleshow/3043674.cms?from=mdr |title=SC dismisses ICICI Bank's plea on loan recovery issue |date=2008-05-15 |work=The Economic Times |newspaper=The Economic Times |accessdate=2020-11-24 |language=en}}</ref>。

A few years after its rise to prominence in the banking sector, ICICI bank faced allegations on the recovery methods it used against loan payment defaulters. A number of cases were filed against the bank and its employees for using "brutal measures" to recover the money. Most of the allegations were that the bank was using goons to recover the credit card payments and that these "recovery agents" exhibited inappropriately and in some cases, inhuman behaviour. Incidents were reported wherein the defaulters were put to "public shame" by the recovery agents.

The bank also faced allegations of inappropriate behaviour in recovering its loans. These allegations started initially when the "recovery agents" and bank employees started threatening the defaulters. In some cases, notes were written by the bank's employees asking the defaulters to "sell everything in the house including family members", were found. Such charges faced by the bank rose to a peak when suicide cases were reported wherein the suicide notes spoke of the bank's recovery methods as the cause of the suicide. This led to legal battles and the bank paying huge compensation.<ref name="RBI warns ICICI Bank on recovery agents">{{Cite news |url=http://articles.timesofindia.indiatimes.com/2007-11-21/india-business/27978291_1_recovery-agents-icici-bank-private-banks |title=RBI warns ICICI Bank on recovery agents |last=PTI |date=2007-11-21 |newspaper=Times of India |accessdate=2013-03-16}}</ref><ref name="How to deal with rising abuse of bank recovery agents">{{Cite news |url=http://www.firstpost.com/investing/how-to-deal-with-rising-abuse-of-bank-recovery-agents-487476.html |title=How to deal with rising abuse of bank recovery agents |last=Sarang |first=Bindisha |date=2013-01-07 |newspaper=first post |accessdate=2013-03-16}}</ref>


=== 洗钱指控 ===
=== 洗钱指控 ===
2013年3月14日，在线杂志《{{tsl|en|Cobrapost}}》公布了其反[[洗錢|洗钱]]监视行动“{{tsl|en|Operation Red Spider|红蜘蛛行动}}”（{{lang-en|Operation Red Spider}}）的视频录像。该录像显示，包括ICICI银行在内的印度三大银行，均有高层管理者和银行职员向卧底记者提供洗钱的方法，这一行为违反了《洗钱控制法》。曝光后，印度政府和印度储备银行下令进行调查。官员们提供了安全储物柜来藏匿黑钱，提供了不遵守印度央行准则的账户，还提供了假账户，以方便黑钱的转换，并对储户的身份进行保密<ref>{{Cite news |url=http://cn.forexmagnates.com/2013/06/16/regulation/8864 |title=三家印度银行违反KYC与AML程序遭罚 |author=吴珂睿 |date=2013-06-16 |work=Forex Magnates |accessdate=2020-11-24}}</ref>。该事件曝光后，ICICI银行在次日便暂停了18名员工的职务，等待调查<ref>{{Cite news |url=http://zeenews.india.com/business/news/economy/money-laundering-case-icici-bank-suspends-18-employees_72295.html |title=Money laundering case: ICICI bank suspends 18 employees |date=2013-03-15 |newspaper=zee news |accessdate=2013-03-16}}</ref>。最后，印度央行对ICICI银行处以一千亿卢比的罚款<ref>{{Cite news |url=https://www.dnaindia.com/business/report-rbi-penalties-sting-3-banks-in-cobrapost-expose-1846317 |title=RBI penalties sting 3 banks in Cobrapost expose |author=DNA Correspondent |date=2013-06-10 |work=DNA |accessdate=2020-11-24 |language=en}}</ref>。
ICICI Bank was one of the leading Indian banks accused of blatant [[money laundering]] through violation of RBI guidelines in the famous CobraPost<ref>{{Cite web |title='' RBI response to Cobra Post Exposé'' |url=http://www.moneycontrol.com/news/economy/rbi-probes-cobrapost-report-reveals-violations-by-banks_870061.html}}</ref> sting operation which shook up Indian banking industry during April–May 2013.<ref>{{Cite news |url=http://articles.timesofindia.indiatimes.com/2013-05-10/india/39168568_1_cobrapost-axis-bank-icici-bank |title=Cobra Post Exposure of Indian Banks |work=The Times of India}}</ref>

On 14 March 2013 the online magazine Cobrapost released video footage from [[Operation Red Spider]] showing high-ranking officials and some employees of ICICI Bank agreeing to convert black money into white, an act in violation of [[Money Laundering Control Act]]. The [[Government of India]] and [[Reserve Bank of India]] ordered an inquiry following the [[exposé (journalism)|exposé]]. On 15 March 2013, ICICI Bank suspended 18 employees, pending inquiry.<ref name="Money laundering case: ICICI bank suspends 18 employees">{{Cite news |url=http://zeenews.india.com/business/news/economy/money-laundering-case-icici-bank-suspends-18-employees_72295.html |title=Money laundering case: ICICI bank suspends 18 employees |date=2013-03-15 |newspaper=zee news |accessdate=2013-03-16}}</ref><ref name="Probes Begin as Top Indian Banks Are Embroiled in Sting Operation">{{Cite web |title=Probes Begin as Top Indian Banks Are Embroiled in Sting Operation |url=http://knowledgetoday.wharton.upenn.edu/2013/03/probes-begin-as-top-indian-banks-are-embroiled-in-sting-operation/ |accessdate=2013-03-16 |work=Wharton School of the University of Pennsylvania}}</ref><ref name="India">{{Cite news |url=http://www.ibtimes.co.in/articles/446610/20130315/money-laundering-rbi-icici-bank-hdfc-axis.htm |title=India's Private Banks Under Scanner: Is RBI to be Blamed for Money Laundering? |last=Ronamai |first=Raymond |date=2013-03-15 |newspaper=International Business Times |accessdate=2013-03-16}}</ref> On 11 April 2013 the Deputy Governor of [[Reserve Bank of India|RBI]], H R Khan reportedly said that the central bank was initiating action against ICICI Bank in connection with allegations of money laundering.<ref name="Cobrapost expose: IRDA report likely next week">{{Cite news |url=http://www.thehindu.com/business/Industry/cobrapost-expose-irda-report-likely-next-week/article4610508.ece |title=Cobrapost expose: IRDA report likely next week |last=PTI |date=2013-04-12 |newspaper=The Hindu |accessdate=2013-04-18 |location=Chennai, India}}</ref><ref name="Cobrapost expose: RBI initiating action against banks over money laundering allegations">{{Cite news |url=http://www.dnaindia.com/money/1821269/report-cobrapost-expose-rbi-initiating-action-against-banks-over-money-laundering-allegations |title=Cobrapost expose: RBI initiating action against banks over money laundering allegations |last=pti |date=2013-04-11 |newspaper=DNA |accessdate=2013-04-18}}</ref>


=== Chanda Kochhar欺诈案 ===
=== Chanda Kochhar欺诈案 ===

2020年11月24日 (二) 17:12的版本

ICICI银行有限公司
ICICI Bank Limited
公司類型私营
股票代號
ISININE090A01021
成立1994年1月5日，​30年前​（1994-01-05）
代表人物主席：Girish Chandra Chaturvedi[1]
总经理、CEO：Sandeep Bakhshi（英语：Sandeep Bakhshi）
總部 印度古吉拉特邦巴罗达（注册办事处）
 印度孟买国际展览中心（英语：Bandra Kurla Complex）（公司办公室）
營業據點數5,275（2020）
業務範圍全世界
产业银行、金融服务
產品零售银行、公司银行、投资银行、抵押贷款、私人银行、财富管理、信用卡、金融和保险
營業額▲ 14,978.61亿卢比 (23.26 十億)[2]（2020）
息税前利润▲ 7,826.82亿卢比 (12.16 十億)[2]
净利润▲ 956.63亿卢比 (1.49 十億)[2]（2020）
總資產▲ 137,729.22亿卢比 (213.89 十億)[3]（2020）
資產淨值▲ 11,851.85亿卢比 (18.41 十億)[3]（2020）
員工人數84,922人（2019）[4]
网站www.icicibank.com

ICICI银行有限公司（英語：ICICI Bank Limited，又译：爱西爱西爱银行[5]）是一家印度的私营跨国银行和金融服务公司，其注册办事处设在古吉拉特邦巴罗达，公司办事处则在孟买国际展览中心（英语：Bandra Kurla Complex）。

ICICI银行从一个只提供项目融资的开发性金融机构发展为一个多元化的金融服务集团，现成为印度的“四大银行”和印度最大的私营银行[6]。该行通过各种分销渠道和投资银行、人寿和非人寿（英语：non-life insurance）保险、风险投资和资产管理领域的专业子公司，为企业和零售客户提供广泛的银行产品和金融服务。该行在印度各地拥有5,275家分行和15,589台ATM机[7]；此外，该行在英国和加拿大设有子公司，并在美国、新加坡、巴林、中国大陆[8]、香港、卡塔尔、阿曼、迪拜和南非[9]等地设有分行，在阿拉伯联合酋长国、孟加拉国、马来西亚和印度尼西亚设有代表处，其英国子公司还在比利时和德国设立了分支机构[10]。

历史

ICICI银行是由印度工业信贷投资公司（英語：Industrial Credit and Investment Corporation of India，简称“ICICI”）于1994年在瓦多达拉成立的全资子公司。母公司ICICI成立于1955年，由世界银行、印度的公营银行和公营保险公司联合组建，目的是为印度工业提供项目融资[11][12]。ICICI银行成立之初名为印度工业信贷投资银行（英語：Industrial Credit and Investment Corporation of India Bank），后改名为ICICI银行。

1998年，ICICI通过在印度公开发行股票，将其在ICICI银行的持股比例降至46%。1999年，ICICI成为第一家在纽约证券交易所上市的印度公司，也是第一家在纽约证券交易所上市的非日本的亚洲银行或金融机构[13]。2002年，ICICI与ICICI银行以及ICICI子公司ICICI个人金融服务有限公司和ICICI资本服务有限公司进行反向兼并[14]。

2008年金融危机爆发后，由于有传言称ICICI银行财务状况不佳，ICICI银行发生挤提事件，客户纷纷涌向其ATM机和一些地方的营业网点。印度储备银行随后发布了关于ICICI银行财务实力的澄清，以消除谣言[15]。

投资和收购

子公司

争议

不人道的追债方式

在银行部门崭露头角数年后，ICICI银行就其针对贷款违约者使用的追偿方法面临指控。部分追讨人员和银行雇员会威胁欠款人，甚至当众羞辱欠款人，并要求其“卖掉家里的一切，包括家庭成员“。2007年，更有欠款者因此自杀，导致了法律诉讼和银行支付巨额赔偿[27][28]。

洗钱指控

2013年3月14日，在线杂志《Cobrapost（英语：Cobrapost）》公布了其反洗钱监视行动“红蜘蛛行动（英语：Operation Red Spider）”（英語：Operation Red Spider）的视频录像。该录像显示，包括ICICI银行在内的印度三大银行，均有高层管理者和银行职员向卧底记者提供洗钱的方法，这一行为违反了《洗钱控制法》。曝光后，印度政府和印度储备银行下令进行调查。官员们提供了安全储物柜来藏匿黑钱，提供了不遵守印度央行准则的账户，还提供了假账户，以方便黑钱的转换，并对储户的身份进行保密[29]。该事件曝光后，ICICI银行在次日便暂停了18名员工的职务，等待调查[30]。最后，印度央行对ICICI银行处以一千亿卢比的罚款[31]。

Chanda Kochhar欺诈案

On 4 October 2018, the then MD & CEO Chanda Kochhar stepped down from her position following allegations of corruption.[32] In January 2019, based on the report of an enquiry panel headed by Justice Srikrishna, the bank board officially terminated her from service. It also become one of the first in the country to ask for a claw back of bonuses and benefits.[33] In 2020 the Enforcement Directorate provisionally seized assets and shares belonging to Chanda Kochhar with an estimated value of more than Rs 78 crore, in relation to the ICICI bank loan case.[34]

参考资料

  1. ^ ICICI Bank appoints former IAS Girish Chandra Chaturvedi as non-executive part-time chairman. Business Today. [2020-09-25]. 
  2. ^ 2.0 2.1 2.2 ICICI Bank Consolidated Profit & Loss account, ICICI Bank Financial Statement & Accounts. www.moneycontrol.com. [2020-08-28] （英语）. 
  3. ^ 3.0 3.1 ICICI Bank Consolidated Balance Sheet, ICICI Bank Financial Statement & Accounts. www.moneycontrol.com. [2020-08-28] （英语）. 
  4. ^ ICICI Bank Annual Report 2019 (PDF). [2020-02-13]. 
  5. ^ 中国银监会关于印度爱西爱西爱银行有限公司上海分行开业的批复. 中国银行业监督管理委员会. 2015-03-02 [2020-11-24]. 
  6. ^ The Largest Banks in India. www.relbanks.com. [2015-11-11]. 
  7. ^ ICICI Bank | Performance Review: Quarter ended 31 December 2019. www.icicibank.com. [2020-02-06]. 
  8. ^ PM Modi inaugurates ICICI Bank's first Chinese branch in Shanghai. Economic Times. 
  9. ^ ICICI Bank enter South Africa, opens branch in Johannesburg. Zee News. 
  10. ^ ICICI UK opens branch in Frankfurt. Sify.com. 2008-02-29 [2011-07-30]. 
  11. ^ NOS on ICICI (PDF). NOS org. [2011-08-05]. （原始内容 (PDF)存档于2012-03-22）. 
  12. ^ about ICICI. lloydstsb. [2011-08-05]. （原始内容存档于2012-12-23）. 
  13. ^ ICICI Bank _NYSE. Mondovisione. 
  14. ^ RBI Clears ICICI-ICICI Bank Merger With Conditions. Financial Express (Mumbai). 2002-04-27 [2020-10-24]. 
  15. ^ ICICI Financial Rumours. Indian Express. 
  16. ^ Itc Classic To Merge Into Icici. 1997-11-27 [2015-05-22]. 
  17. ^ Icici-Scici Merger Sets Trend For Consolidation. 1997-12-26 [2019-03-02]. 
  18. ^ ICICI swallows Anagram Finance. 1998-05-21 [2015-05-22]. 
  19. ^ Bank of Madura, ICICI Bank merger - a synergy for better service. [2015-05-22]. 
  20. ^ Icici Bank To Pick Grindlays Shimla, Darjeeling Branches. 2002-06-29 [2015-05-22]. 
  21. ^ ICICI Bk acquires Investitsionno-Kreditny. 2005-05-19 [2015-05-22]. 
  22. ^ ICICI Bank, Sangli Bank agree on merger. 2006-12-10 [2015-05-22]. 
  23. ^ ICICI Bank Ltd.. [2015-05-22]. 
  24. ^ ICICI Bank sells 1.5% stake in ICICI Prudential Life Insurance for Rs 840 crore. Zee News. 2020-06-22 （英语）. 
  25. ^ ICICI Bank divests stake in ICICI Prudential for Rs 2,250 crore. The Statesman. 2020-06-22. 
  26. ^ Annual Reports - 2012. ICICI Bank. 
  27. ^ Ashok Das. 4 arrested in ICICI loan death case. Hindustan Times. 2007-06-25 [2020-11-24] （英语）. 
  28. ^ SC dismisses ICICI Bank's plea on loan recovery issue. The Economic Times. 2008-05-15 [2020-11-24] （英语）.  |newspaper=和|work=只需其一 (帮助)
  29. ^ 吴珂睿. 三家印度银行违反KYC与AML程序遭罚. Forex Magnates. 2013-06-16 [2020-11-24]. 
  30. ^ Money laundering case: ICICI bank suspends 18 employees. zee news. 2013-03-15 [2013-03-16]. 
  31. ^ DNA Correspondent. RBI penalties sting 3 banks in Cobrapost expose. DNA. 2013-06-10 [2020-11-24] （英语）. 
  32. ^ Chanda Kochhar quits ICICI Bank; Sandeep Bakhshi appointed new CEO - Times of India ►. The Times of India. [2019-09-09]. 
  33. ^ Justice Srikrishna Report (PDF). 
  34. ^ ED attaches assets worth Rs 78 crore, shares belonging to Chanda Kochhar. Business Today India. 2020-01-10 [2020-04-28]. 

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