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Financials

The Board of Directors

Mr. V.P. Shetty, Chairman & Managing Director

Mr. O.V. Bundellu, Deputy Managing Director

Mr. Jitender Balakrishnan, Deputy Managing Director Special Secretary(Financial Sector), Ministry of Finance, Department of Economic Affairs

Mr. Vinod Rai

Dr. Ajay Dua Secretary (IPP), Ministry of Industry, Government of India.

Mr. Analjit Singh

Ms. Lila Firoz Poonawalla

Mr. R.V. Gupta

Mr. K. Narasimha Murthy

Mr. Hiralal Zutshi

Mr. A. Sakthivel

Dr. D. Veerendra Heggade

Financials IDBI Annual Report You can download various sections of the Annual Report in Portable Document Format (.pdf). You will need Adobe Acrobat Reader 4.0 to view them. IDBI Ltd. Directors' Report (2005-2006) You can also download topics in which you are interested by clicking on the options displayed in the left menu. Management & Organisation IDBI is a Board-managed organisation. The responsibility for the day-to-day management of operations of the Bank is vested with the Chairman & Managing Director and two Deputy Managing Directors, who draw upon the support and expertise of a cross-disciplinary Top

Management Team. As on March 31, 2006, IDBI had a combined employee base of 4548, including professionals from the fields of accountancy, management, engineering, law, computer technology, banking and economics

IDBI Home Finance Limited IDBI Homefinance Ltd." (IHFL) incorporated as a public limited company in the year 2000, has, in a short span of time, created a niche for itself in the highly competitive Home Loan segment since its acquisition of Tate Home Finance Ltd. in September 2003. During the FY 2005-06, IHFL's outstanding loan portfolio increased from Rs.923 crores to Rs.1517 crores, registering an impressive growth of 64%. This has been achieved despite lending only to individuals, the least risk weight segment of the sector. IHFL earned a total income of Rs.38 crores and reported a net profit of Rs.14 crores during the FY 2005-06, as
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against the total income of Rs.26 crores and net profit of Rs.8 crores earned during the FY 2004-05.

IDBI Capital Market Services Limited IDBI Capital Market Services Ltd. (head quartered in Mumbai), is a leading provider of financial services and is a 100% subsidiary of Industrial Development Bank of India (IDBI). The organisation was set up in 1993, with the objective of catering to specific

financial requirements of financial institutions, banks, mutual funds and corporate houses. IDBI Capital provides a complete range of financial products and services that includes:

Primary Dealing in Government Securities, Corporate and Bank Bonds Stock Broking-Institutional and Retail (Through the investment portal) Derivatives Trading Distribution of all Mutual Funds Investment Banking PF/Pension Fund Management Retail Marketing of Bonds and IPOs Depository Services

Research Services Over the last 5 years, the company has been ranking amongst the leading players in each of these businesses. It has a 7500 strong agent network which caters to the investment needs of retail investors in instruments like IPOs, Bonds, etc.

Today the company is a leading player as a primary dealer with a market share of over 20% and has achieved the highest turnover in Government Securities for 3 years in succession. The company is also a major player in the Equity and Derivatives market and a leading manager of Pension & Provident Funds in the country, managing an asset base of over Rs. 32,000 crores. From July 2004, IDBI Ltd. has transferred its Investment Banking activities to this company. The company has since obtained and executed several mandates on the Issue Management and Corporate Advisory Services. IDBI Capital offers an online investment portal with advanced features and tools for an easy and informed investing experience in Equities, Mutual Funds and IPOs.

Branch Network

Personal Loan Personal Loan, personally yours! Why wait till you save enough money to fulfill a dream that's just a step away. Take a Personal Loan from IDBI and go ahead and have all the things you've been dreaming of without even worrying how to repay it. Personal Loans from IDBI comes with an insurance cover. This means when times are tough, you'll have an insurance cover to take care of the EMI's.

In case of death or disability due to an accident, the principle outstandings will be paid by the insurance company. In case of loss of job, the insurance company will pay the EMIs for up to 3 months

Also you can transfer your existing loan to IDBI and save up to Rs 50,000 Applying for a Personal Loan is absolutely simple. Just fill in the online form and our

representative will get in touch with you shortly. You could also call our Phone Banking numbers for further assistance.

Tax Payment Pay your taxes through IDBI and enjoy peace of mind Welcome to world-class banking at IDBI. We present a simple tax payment service, wherein you could pay your taxes sitting from the comfort of your home or office. You could pay your taxes any of the following ways: 1.Pay your Direct Taxes Online 2.Pay your Central Excise Duty and Service Tax Online 3.Pay your taxes at our branches i.Direct Taxes ii.Indirect Taxes iii. State Tax

Home Loans Key to hassle free home loans Home, sweet home, built out of your dreams. A place where you return after a hard day's work and relax, a place where you share precious moments with your family. A place that gives you a sense of belonging. IDBI helps you realize your long cherished dream of owning your home through hassle free and customer friendly home loans. Presenting the home loan you have been looking for. We realise what owning your home means to you and your family. You can avail of the Home Loans for constructing a home, purchasing a ready built house/flat, residential plot and even for re-financing existing loans you may have availed from other banks or housing finance companies. Home / Education Loans

Education Loans

Education loans from IDBI aim at providing financial support to deserving/ meritorious students for pursuing higher education in India and abroad. With an array of courses to choose from and easy repayment options, IDBI makes sure you get complete financial backing.

Electronic Bill Payment Pay your bills online No more queues at phone and power company offices. No more headaches due to late payment fees. No more worries of having your phone or electricity line cutoff because you forgot to drop off a cheque. The Electronic Bill Payment

facility from IDBI cuts out the hassles you go through each month for paying your bills. This bill payment service gives you the flexibility of viewing and paying your bills online. All you need to do enter your billing details in our Internet Banking, and then, start paying your utility bills, insurance premiums, etc, month on month, absolutely hassle-free. The Electronic Bill Payment contains:

Electronic Bill Presentment and Payment: This feature allows you to view and pay off all your bills online.

Electronic Bill Payment. This feature allows you to pay off all those bills appearing physically.

Types of Bill Payments We offer two types of bill payment services.

Demat Account Electronic Securities Banking Paper securities are passed. Enter the world of dematerialized shares, bonds and other securities. Convert your securities to dematerialized form with IDBI Demat Account. It's as simple as opening a Savings Account. Why Demat with IDBI

Lowest fees Statement by emails Demat access through Internet, cell and phone Portfolio valuation on the account statements Online execution of transactions at branches Special rates for stock market intermediaries and sub brokers

Transactions update from back-office four times a day

Demat Accounts for NRIs If you are a Non-Resident Indian (NRI) who has invested in shares, bonds, debentures of Indian companies or would like to do so now, open a Demat Account with us either under NRI Repatriable or NRI NonRepatriable category. Through our Internet Banking, you can view your Demat Account balances and print statement of transactions and holdings from anywhere in the world. Click the links below for more details. Investment Services Profit, the IDBI way When is the right time to invest? This is the eternal question that is always on our mind. We, at IDBI, understand your requirement and are therefore proud to present to you our Investment Advisory Service.

We believe that all investors share a common goal, regardless of their objectives: superior and sustained returns with a tight control over risk. Meeting your long-term investment goal is dependent on a number of factors: your investment capital, your expected rate of return, inflation, taxes and your investment time horizon. To meet your requirements, we offer you investment options based on your risk tolerance and return expectations. Our Relationship Managers are equipped to advise you on various investment avenues after thoroughly understanding your investment profile. They then help you with your investments and subsequently supports you by tracking your investments on a regular basis. Mutual Funds Mutual funds offer a simple and effective way to diversify your investment without the hassels of tracking individual stocks on a daily basis

Capital Gain bonds Invest your long-term capital gains on sale of your asset in the specified assets. Life Insurance We've got one for everyone Investing in life insurance is one of the most important decision in a person's life. Moreover, in todays world, life insurance not only provides you life cover, it is also a good investment opportunity with growth potential. But so many life insurance policies to choose from! How do you know which is the right one for you? At IDBI, we've made that decision easier for you. IDBI brings to you Birla Sun Life Insurance, one of the leading providers of life insurance products. To invest in an insurance policy, just walk into any of our branches and meet our Certified Insurance Officer. After studying your profile, short-term and long-

term needs and your plans for the future, he will recommend a policy thats best for you. Welcome to IDBI Preferred Banking where Exclusivity, Convenience and Privilege is a norm. Our Preferred program is designed to offer special services to a select group of discerning and deserving individuals like you. With special features to help save your time and efforts, and tools to help you build wealth through efficient deployment of assets, Preferred Banking promises to make your banking experience a fulfilling one. IPO Finance IDBI provides financing to individuals for applying to an initial public offering (IPO) of select companies. The entire application amount will be offered as a loan against some margin money collected from the individual. The contracted interest rate for loan would be charged on

the application money net of the margin money

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