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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）。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，并在17个国家和地区开展业务[6]。

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[7]。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银行是由印度金融机构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ICICI银行的ATM机和一些地方的分行。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

在印度金融基建中的作用

ICICI bank has contributed to the setting up of a number of Indian institutions to establish financial infrastructure in the country over the years:

  • The National Stock Exchange was promoted by India's leading financial institutions (including ICICI Ltd.) in 1992 on behalf of the Government of India with the objective of establishing a nationwide trading facility for equities, debt instruments and hybrids, by ensuring equal access to investors all over the country through an appropriate communication network.[24]
  • In 1987, ICICI Ltd along with UTI set up CRISIL as India's first professional credit rating agency.[25]
  • NCDEX (National Commodities and Derivatives EXchange) was set up in 2003, by ICICI Bank Ltd, LIC, NABARD, NSE, Canara Bank, CRISIL, Goldman Sachs, Indian Farmers Fertiliser Cooperative Limited (IFFCO) and Punjab National Bank.[26]
  • ICICI Bank facilitated the setting up of "FINO Cross Link to Case Link Study" in 2006, as a company that would provide technology solutions and services to reach the underserved and underbanked population of the country. Using technologies like smart cards, biometrics and a basket of support services, FINO enables financial institutions to conceptualise, develop and operationalise projects to support sector initiatives in microfinance and livelihoods.[27]
  • Entrepreneurship Development Institute of India (EDII), was set up in 1983, by the erstwhile apex financial institutions like IDBI, ICICI, IFCI and SBI with the support of the Government of Gujarat as a national resource organisation committed to entrepreneurship development, education, training and research.[28]
  • Eastern Development Finance Corporation (NEDFI) was promoted by national level financial institutions like ICICI Ltd in 1995 at Guwahati, Assam for the development of industries, infrastructure, animal husbandry, agri-horticulture plantation, medicinal plants, sericulture, aquaculture, poultry and dairy in the North Eastern states of India.[29]
  • Following the enactment of the Securitisation Act in 2002, ICICI Bank, together with other institutions, set up Asset Reconstruction Company India Limited (ARCIL) in 2003. ARCIL was established to acquire non-performing assets (NPAs) from financial institutions and banks with a view to enhance the management of these assets and help in the maximisation of recovery.[30][31]
  • ICICI Bank has helped in setting up Credit Information Bureau of India Limited (CIBIL), India's first national credit bureau in 2000. CIBIL provides a repository of information (which contains the credit history of commercial and consumer borrowers) to its members in the form of credit information reports.[32]
  • Firstsource, an Indian BPO firm, since divested
  • 3i Infotech, an Indian IT/ITES firm, since divested

产品

ICICI Bank offers products and services such as online money transfers, tracking services, current accounts, savings accounts,[33] time deposits, recurring deposits, mortgages, loans, automated lockers, credit cards, prepaid cards, debit cards and digital wallets called ICICI pockets.[34]

ICICI bank launched 'ICICIStack' which provides online services such as payment options, digital accounts, instant car loans, insurance, investments, loans etc.[35]

子公司

国内

  • ICICI Prudential Life Insurance Company Limited[36]
  • ICICI Lombard General Insurance Company Limited[37]
  • ICICI Prudential Asset Management Company Limited
  • ICICI Prudential Trust Limited
  • ICICI Prudential Pension Funds Management Company Limited[38]
  • ICICI Securities Limited
  • ICICI Securities Primary Dealership Limited
  • ICICI Venture Funds Management Company Limited
  • ICICI Home Finance Company Limited
  • ICICI Investment Management Company Limited
  • ICICI Trusteeship Services Limited

国际

  • ICICI Bank Canada
  • ICICI Bank USA
  • ICICI Bank UK PLC
  • ICICI Bank Germany
  • ICICI Bank Eurasia Limited Liability Company
  • ICICI Securities Holdings Inc.
  • ICICI Securities Inc.
  • ICICI International Limited.

ICICI Bank Canada

ICICI Bank Canada is a wholly owned subsidiary of ICICI Bank (NYSE: IBN), a leading private sector bank in India. ICICI Bank Canada's corporate office is located in Toronto. Established in December 2003,[39] ICICI Bank Canada is a full-service direct bank with assets of about $6.5 billion as of 31 December 2019.[39] It is governed by Canada's Bank Act and operates under the supervision of the Office of the Superintendent of Financial Institutions.[40] The bank has seven branches in Canada.[39]

In 2003, ICICI Bank Canada was established as a Schedule II (foreign-owned or -controlled) bank. It was incorporated in November and opened its head office and downtown Toronto branch in December.[39] In 2004 launched an online banking platform. In 2005, it launched its financial advisor services channel. In 2008, the bank relocated its corporate office to the Don Valley Business Park in Toronto, Ontario. In 2010, it launched a mortgage broker service. In 2014, the bank launched a mobile banking app.

ICICI Bank Canada is a member of several esteemed trade association; as well as the Canadian Bankers Association (CBA);[41] a registered member with the Canada Deposit Insurance Corporation (CDIC),[42] a federal agency insuring deposits at all of Canada's chartered banks; Interac Association;[43] Cirrus Network; and The Exchange Network.[44]

ICICI Bank UK PLC

ICICI Bank UK PLC was incorporated in England and Wales on 11 February 2003, as a private company with the name ICICI Bank UK Ltd. It then became a public limited company on 30 October 2006.[45] Presently the Bank has seven branches[46] in the UK. : one each in Birmingham, East Ham, Harrow, London, Manchester, Southall and Wembley.

The bank currently has seven branches in the UK. ICICI Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. It is covered by the Financial Services Compensation Scheme (FSCS). The bank has a long-term foreign currency credit rating of Baa1 from Moody's. At 31 March 2019, it had a capital adequacy ratio of 16.8%.[45]

ICICI Bank UK PLC offers products and services such as a current account, savings account, remittance to India, safe deposit box, NRI Services, business banking, foreign exchange services, commercial real estate and corporate banking.[47] In 2019, ICICI Bank UK PLC launched an instant account opening facility through its iMobile app.[48][49]

争议

不人道的追债方式

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.[50][51]

洗钱指控

ICICI Bank was one of the leading Indian banks accused of blatant money laundering through violation of RBI guidelines in the famous CobraPost[52] sting operation which shook up Indian banking industry during April–May 2013.[53]

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. On 15 March 2013, ICICI Bank suspended 18 employees, pending inquiry.[54][55][56] On 11 April 2013 the Deputy Governor of RBI, H R Khan reportedly said that the central bank was initiating action against ICICI Bank in connection with allegations of money laundering.[57][58]

Chanda Kochhar欺诈案

On 4 October 2018, the then MD & CEO Chanda Kochhar stepped down from her position following allegations of corruption.[59] 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.[60] 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.[61]

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. ^ ICICI Bank | Performance Review: Quarter ended 31 December 2019. www.icicibank.com. [2020-02-06]. 
  7. ^ The Largest Banks in India. www.relbanks.com. [2015-11-11]. 
  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. ^ 引用错误：没有为名为ICICI Bank Ltd的参考文献提供内容
  24. ^ NSE - National Stock Exchange of India Ltd.. www.nseindia.com. 
  25. ^ A global analytical company providing Ratings, Research, and Risk and Policy Advisory services. CRISIL. 2011-06-30 [2011-07-30]. （原始内容存档于2011-07-28）. 
  26. ^ Commodity Market|Commodity Price|Futures|Trading|Bullion|Indian Commodity Exchange|Agri Commodity Price|Commodities. NCDEX. [2011-07-30]. 
  27. ^ FINO. FINO. [2011-07-30]. 
  28. ^ EDII. EDII. 
  29. ^ North Eastern Development Finance Corporation Ltd. Nedfi.com. [2011-07-30]. 
  30. ^ home. 203.115.117.202. 2010-06-10 [2011-07-30]. （原始内容存档于2012-01-20）. 
  31. ^ international_scenario. 203.115.117.202. 2009-12-02 [2011-07-30]. （原始内容存档于2012-01-20）. 
  32. ^ Welcome to CIBIL. Cibil.com. [2011-07-30]. 
  33. ^ ICICI Bank launch overdraft facility for salary account customers. Here's how to use it. The Economic Times. 
  34. ^ Products. ICICI Bank. [2018-09-12]. 
  35. ^ https://cio.economictimes.indiatimes.com/news/enterprise-services-and-applications/icici-bank-launches-icicistack-a-comprehensive-digital-banking-platform/74674297
  36. ^ ICICI Bank sells 1.5% stake in ICICI Prudential Life Insurance for Rs 840 crore. Zee News. 2020-06-22 （英语）. 
  37. ^ ICICI Bank divests stake in ICICI Prudential for Rs 2,250 crore. The Statesman. 2020-06-22. 
  38. ^ Annual Reports - 2012. ICICI Bank. 
  39. ^ 39.0 39.1 39.2 39.3 All about ICICI Bank. ICICI Bank Canada. [2019-10-16]. 
  40. ^ Who We Regulate - Foreign Banks. Office of the Superintendent of Financial Institutions Canada. [2019-10-16]. 
  41. ^ Member Banks. Canadian Bankers Association. [2019-10-16]. 
  42. ^ List of Members. Canada Deposit Insurance Corporation. [2019-10-16]. 
  43. ^ Network Participation. Interac Corporation. [2019-10-16]. 
  44. ^ Participating Financial Institutions. THE EXCHANGE ATM Network. [2019-10-16]. 
  45. ^ 45.0 45.1 About ICICI Bank UK PLC. ICICI Bank UK PLC. 
  46. ^ ICICI Bank UK PLC Branches. ICICI Bank UK PLC. 
  47. ^ ICICI Bank UK PLC Products & Services. ICICI Bank UK PLC. 
  48. ^ ICICI Bank UK PLC Launches Instant Account Opening On iMobile App - Financial Express ►. Financial Express. 
  49. ^ ICICI Bank UK PLC Launches Instant Account Opening On iMobile App - Business World ►. Business World. 
  50. ^ PTI. RBI warns ICICI Bank on recovery agents. Times of India. 2007-11-21 [2013-03-16]. 
  51. ^ Sarang, Bindisha. How to deal with rising abuse of bank recovery agents. first post. 2013-01-07 [2013-03-16]. 
  52. ^ RBI response to Cobra Post Exposé. 
  53. ^ Cobra Post Exposure of Indian Banks. The Times of India. 
  54. ^ Money laundering case: ICICI bank suspends 18 employees. zee news. 2013-03-15 [2013-03-16]. 
  55. ^ Probes Begin as Top Indian Banks Are Embroiled in Sting Operation. Wharton School of the University of Pennsylvania. [2013-03-16]. 
  56. ^ Ronamai, Raymond. India's Private Banks Under Scanner: Is RBI to be Blamed for Money Laundering?. International Business Times. 2013-03-15 [2013-03-16]. 
  57. ^ PTI. Cobrapost expose: IRDA report likely next week. The Hindu (Chennai, India). 2013-04-12 [2013-04-18]. 
  58. ^ pti. Cobrapost expose: RBI initiating action against banks over money laundering allegations. DNA. 2013-04-11 [2013-04-18]. 
  59. ^ Chanda Kochhar quits ICICI Bank; Sandeep Bakhshi appointed new CEO - Times of India ►. The Times of India. [2019-09-09]. 
  60. ^ Justice Srikrishna Report (PDF). 
  61. ^ 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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