Project on Idbi 111110

8/3/2019 Project on Idbi 111110

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INDUSTRIAL DEVELOPMENT BANK

OF INDIA

Banking for all; Not just for big boys;

"Aao Sochein Bada

The Industrial Development Bank of India Limited, popularly known as IDBI Bank is

one of the leading public sector banks in India. Categorized as "other public sector

bank" by Reserve Bank of India (RBI), IDBI Bank is also the 4th largest Indian bank.

Founded in 1964 to provide credit and other facilities to its customers, IDBI Bank

currently has 457 centers, 688 branches and 1020 ATMs across the nation. It is world's

10th largest development bank in terms of reach. IDBI Bank also built several

institutions including the National Stock Exchange of India (NSE), the Stock Holding

Corporation of India (SHCIL) and the National Securities Depository Services Ltd.

(NSDL) etc.

HISTORY

IDBI Bank was founded on July 1, 1964 under an Act of Parliament. It was

established as a wholly owned subsidiary of RBI (Reserve Bank of India). Theownership was however transferred to the Government of India on February 16, 1976.

It worked as the main financial institution, whose main goal was to coordinate with

other institutions associated with financing, developing and promoting the industry.

With the public issue of IDBI Bank released in July 1995, the share holding of the
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Government came down below 100%. However, the majority of the share was stillowned by the government, which is currently 52.3%. IDBI Bank started offering a

wide array of products and services to its customers, which covered entire range of

industrial activities including services and manufacturing.

In September 2003, IDBI acquired the entire shareholding of Tata Finance Limited in

Tata Home Finance Ltd. Since then, the fully owned housing subsidiary was known as

'IDBI Home Finance Limited'. Next year, on July 29, 2004, the Board of Directors of

IDBI and IBDI Bank approved the merger of IDBI Bank with the Industrial

Development Bank of India Ltd. IDBI Bank also acquired United Western Bank in

2006.

1964

- The Company was Incorporated on 1st July, at Mumbai. The Bank was establishedas a wholly owned subsidiary of the Reserve Bank of India on 1st July, under a special

statute, viz., Industrial Development Bank of India.

1965

- With effect from 1st April, the Bank introduced a scheme for rediscounting usance

bills/promissory notes arising out of sale of indigenous machinery on deferred payment

basis.

- The Bank decided to supplement its refinance operations with a measure of risk-sharing

with other


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institutions on a systematic basis and introduced a participation scheme for this purpose,

with effect from 1st April, 1966.

- The Development Assistance Fund was established on 27th March, in terms of

Notification dated 16th March, issued by the Government of India.

1972

- The IDBI took initiative in establishing a technical consultancy service centre at the

State level in Kerala in February called the Kerala Industrial and Technical Consultancy

Organisation and contributed 51% to its paid-up capital of Rs 2 lakhs.

1973

- North Eastern Industrial and Technical Consultancy Organisation,Ltd. (NEITCO), was

sponsored by the IDBI in May. Another technical consultancy organization, viz., Bihar

Industrial and Technical Consultancy Organisation, Ltd. (BITCO), was set up.

- Refinance facilities are provided to eligible banks, which are authorized dealers in

foreign exchange, against medium-term export credits granted to exporters in the private

sector, who are manufacturers, recognised export houses or other exporters of standing.

- The Bank as a apex institution, has also been vested with the responsibility of

strengthening the


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resources position of the term financing institutions with a view to enabling them to

expand and diversify their activities.

- The Bank received various lines of credit from IDA/World Bank from time to time

beginning from the year in US Dollars.

1976

- With a view to promoting fuller utilisation of capacity, technological up gradation and

export development, the Government of India established in March, the Technical

Development Fund (TDF).

- Two Seed Capital Assistance Schemes were introduced by IDBI during the year viz. (i)

SFC's Special Share Capital Scheme and (ii) IDBI'sown scheme.

1977

- IDBI introduced in January, at the instance of the Government of India, a scheme for

providing rupee assistance, to industrial units receiving import licences, under the TDF.

- IDBI, apart from giving resource support for setting up of IFCI, UTI and SFCs, helped

in establishing Shipping Credit and Investment Corporation of India, Ltd., Stock Holding

Corporation of India Ltd.,Securities and Exchange Board of India, Discount and Finance

House of India, Ltd., Tourism Finance Corporation of India Ltd., Over The Counter

(OTC) Exchange of India, Biotech Consortium India Ltd.,And Indian Investment

Management Company Ltd.


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1982

- 55,00,000 shares issued.

1983


1984

- IDBI introduced equipment finance scheme in September.


1985

- A new scheme known as Equipment Refinance Scheme was introduced with effect from

July 1st.

- The Bank introduced a new scheme called the Foreign Currency Refinance scheme.

Under this Scheme,

the Bank would extend foreign currency refinance facility to SIDCs/SIICs under the

Bank's Normal

Refinance Scheme.

- A special scheme of assistance for installing in-house quality testing facilities was


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introduced under SIDF. Presently, this scheme is being operated by SIDBI.


1986

- Small industries development fund was set up in May to pay concentrated attention to

the provision of financial and non-financial inputs to the small scale sector.


1987

- The National Equity Fund Scheme was introduced in August for providing equity type

support to new tiny and small scale industrial units which are engaged in manufacturingactivities and also for rehabilitation of potentially viable sick SSI units.


1988


1989



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1991

- With effect from 1st April, DAF was merged with the General Fund.

- The Bank's resources can be augmented through issue of bonds and debentures with or

without

Government guarantee.

- IDBI introduced 3-year 9% capital for sale to the public in the domestic market.


1992

- The Bank issued unsecured bonds for a minimum aggregate amount of Rs300 crores asfollows: Deep Discount Bond had a face value of Rs1,00,000 was issued at a deeply

discounted price of Rs 2,700 with maturity period of 25 years from the date of allotment,

Double Option Bond had a face value of Rs 5,000 bears an interest of 15% payable at the

end of 10th year on redemption with a premium of Rs 250 per bond. Part A of Rs 5,000

and Part B of Rs 16,500 are tradable separately on Stock Exchanges at Ahmedabad

Mumbai, Bangalore, Calcutta, Delhi and Mumbai and Regular Return Bond had a face

value of Rs 5,000 where interest on principal sum is payable half-yearly. These bonds are

redeemable at a premium of 5% at the end of 10 years from the date of allotment.

- The bank entered the area of merchant banking to provide professional advice and


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services to industry for raising resources from capital market, acquisition of assets on

lease and mergers/take-overs of existing units.

- The Bank set up a foreign exchange dealing room to deal with all foreign exchange

transactions. The bank had set up Investor Services of India Ltd. with a view to providing

registrar and transfer services based on high technology system.

- In order to provide wider range of direct finance to meet the specific requirements of

clients, the bank introduced new products such as Asset Credit and Equipment Finance.

Also introduce equipment leasing to meet the increasing demand for such services.


1993

- Authorised Capital reclassified. Equity Shares sub-divided.2530,00,000 Pref. sharesissued. Under Section 4of IDBI Act, 1964, Government of India by the notification in

Official Gazette date 16.11.1994 converted 2530,00,000 No. of equity shares into

Preference shares.

1994

- The Bank obtained the membership of National Stock Exchange. IDBI Bank Ltd.

promoted and incorporated in September as a commercial bank with an authorised capital

of Rs 500.


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- The Bank had set up a Mutual Fund as a trust with a view to offering innovative

investment products to investors backed by high quality servicing.

- 17,30,93,300 shares allotted to public.

1995

- 17 New ventures were sanctioned. The beneficiary industries were electronics,

industrial automation, industrial products and machinery, computer software etc.

- The bank entered into an Umbrella Grant Agreement with the World Bank for US $ 50

million aimed at phasing out use of ozone Depleting Substances in industry as part of

ongoing efforts to reduce environmental degradation.

- Loan was approved by the World Bank as part of the financial sector development ofselect commercial banks underwrites the bank acts as pass through Agent.

- The Bank offered 16,80,00,000 No. of Equity shares of Rs 10 each to Public at a

premium of Rs 120 each along with 1,44,20,000 No. of equity shares of Rs 10 each at a

price of Rs 130 per share was offered for sale by Government of India. Out of the above

3,36,00,000 shares offered to UTI, Exit Bank and IRBI.

- 5,80,000 shares offered to employees, 10,02,20,000 shares were offered to public along

with 19,78,000

shares not taken up in various categories (all were taken up along with unsubscribed


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portion of shares offered to other categories).

1997

- The Bank accepted 68 debenture trusteeship assignments in respect of bonds and

debentures aggregating to Rs 2,743 crores.

1997

- IDBI, became the first financial institution to apply NSDL as DP.

- IDBI has signed an agreement with National Securities Depository Ltd (NSDL) to get

its equity shares admitted for dematerialisation.

- IDBI has signed a -million bilateral seven-year loan facility arranged by Asahi FinanceLtd with Asahi Bank Ltd, Hong Kong as the lender.

- The Reserve Bank of India has shot down the IDBI's proposal to privately place equity

shares of its subsidiary, IDBI Bank, with the shareholders of the financial institution.

- The largest financial institution of the country IDBI has merged its foreign exchange

and domestic treasury operations following rapid deregulation of the money and foreign

exchange markets in the country.

- The 500 MW Pench thermal power project, promoted by Pench Power Ltd, has tied up


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its financing arrangement with IDBI.

- The IDBI has signed a 0 million line of credit with the Export-Import Bank of Japan

(EXIM-J) at Tokyo.

- IDBI is set to become the first all-India financial institution to float capital gains bonds.

1998

- The Industrial Development Bank of India (IDBI) has commissioned a study on the

country's debt market.

- The IDBI has tied up a 0 million line of credit with the Export Import Bank of Japan for

financing Indo-Japanese joint venture project in India.

- The IDBI is set to enter the capital market with a mega Rs1,000-1,500 crore debt issue

(Flexibond 4). This will be IDBI's maiden retail issue in the current fiscal.

- American Express Bank, the travel related and financial services company, has entered

into a strategic alliance for financial services with IDBI Bank.

- IDBI Bank has entered into a strategic alliance with leading travel and financial service

company American Express Bank.

- The Industrial Development Bank of India would enter the capital market with a public


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issue of four crore shares with a face value of Rs 40 crore.

- IDBI may tie the knot with US based .9 billion Principal Financial Group for

management of provident & pension funds in the country.

- The Industrial Development Bank of India has tied up with commercial banks for

extension of loans against its Flexibonds V issue slated to be launched from December

21.

1999

- IDBI Bank Ltd, came out with a maiden public offering of four crore equity shares of

Rs 10 each at a premium of Rs 8 per share aggregating Rs 72 crore, said four lakh shares

were reserved for its employees and another 40 lakh shares were reserved for IDBI's

equity holders on competitive basis. The issue will close on February 16; 1999.The sharesare proposed to be listed on BSE, NSE, and the Indore Stock Exchange.

- IDBI Bank, promoted by two premier financial institutions Industrial Development

Bank of India (IDBI) and Small Industries Development Corporation of India (SIDBI) - is

coming out with a public issue of 40 million equity shares of Rs.10 each at a premium of

Rs.8 per share aggregating Rs.72 crores.

- THE IDBI is all set to launch the sixth issue of Flexibonds, from February 22 to

mobilise Rs. 1,500 crores, inclusive of a green shoe option of Rs. 750 crores.


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- American Express Bank (Amex) has entered into a strategic alliance with IDBI Bank for

its personal financial services (PFS) division to jointly explore the development of

products such as smart card an debit card, and market complementary products and

services to customers of both the banks.

- The Board for Industrial and Financial Reconstruction (BIFR) has declared ATV

Projects a sick company and appointed IDBI as operating agency (OA) for preparing the

rehabilitation package for the company.

- IDBI has succeeded in entering into one-time settlement for 77 cases for fiscal year

1998-99 as compared to 45 cases in the previous year.

- The IDBI has decided to enter the market for the first time this fiscal to borrow Rs 1500

crore through its Flexibond-VII issue.

- A Memorandum of Understanding (MoU) between IDBI and Principal Financial Group

was signed in Mumbai.

2000

- The Company proposal for the forfeiture of 3,03,100 No. of equity shares of Rs. 10/-

each for non-payment of allotment money.

- The Bank has been made the nodal agency for disbursing the Montreal Protocol-


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approved million compensation package to four Indian companies, including SRF Ltd.,

and Gujarat Flurocarbonds.

- IDBI and CIDC would set up a joint working group to chalk out modalities for lending

to the construction industry and risk assessment of the business.

- The Company has proposed to undertake a capital restructuring exercise to reduce the

Government stake to 51 per cent through an American Depository Share issue.

- IDIB Principal Asset Management Company, the 50:50 joint venture between Industrial

Development Bank of India and Principal Financial Group-USA, has brought about

several changes in its top management.

- The company is launching a special deposit scheme- IDBI Suvidha -to mop-up Rs 2,200crore worth

of outflow on account of premature redemption of the discount bonds issued five years

back.

- Crisil has assigned the highest safety rating of `AAA' to various bonds issue of the

company.

- Crisil has assigned the highest safety rating of `AAA' to various bonds issue of the

company.


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- IDBI has become the first all-India financial institution to qualify for the ISO 9002

certification for its treasury operations.

- Industrial Development Bank of India and the Export-Import bank of the United States

have signed an memorandum of understanding for financing in the amount of 0 million to

support import of US-sourced goods for Indian borrowers.

- Hughes Tele.com (India) has tied up a Rs 250-crore loan with the Industrial

Development Bank of India.

- The Industrial and Development Bank of India has sold 36,500 No. of equity shares of

Pan Foods Ltd. to the promoters at a price of Rs 10 per share.

- Industrial Development Bank of India (IDBI), one of the country's leading financial

institutions, launched a novel investment concept of asset allocation future goals in a50:50 joint venture with the US-based principal Financial group.

- IDBI has appointed I-Flex Solutions Ltd, the information technology arm of Citibank, to

implement an integrated banking solutions package in a phased manner over 12-18

months.

- Industrial Development Bank of India has set up two internal task forces, one to explore

opportunities to enter the insurance sector, while the other to lead IDBI Intech, a newly

form IT subsidiary.


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- Industrial Development Bank of India is considering hiving off its venture capital

scheme as a separate company before the end of the year.

- 18,074,300 partly paid up equity shares of face value of Rs 10/-each were forfeited on

August 25. Consequently, (i) the aggregate face value of Rs 180,743,000 has been

reduced from the Subscribed and Paid up equity capital, (ii) allotment money in Arrears of

Rs 135,557,250has been written down fully and (iii) Forfeited shares account has0 been

credited by Rs 45,185,750 being the amount actually paid up on the forfeited shares.

- The Bank is re-entering the retail market after about eight months, with its Flexibonds-

9 issue.

- The Company proposes to exercise the call option and redeem Easy Exit Bond and

Regular Income Bond at face value plus interest accrued and outstanding at the end of 5

years from the date of allotment, i.e. March 18, 2001.

- IDBI issued bonus equity shares in the ratio of 3:5 that is, three bonus shares for every

five equity shares held.

2001

- India Post and Industrial Development Bank of India (IDBI) Principal Asset

Management Company have entered into a joint partnership to make available current and

future investment opportunities through post


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offices across India.

- The Industrial Development Bank of India and Morgan Guaranty Trust Company of

New York have entered into a long-term rupee interest rate swap.

- The Industrial Development Bank of India has launched a new company IDBI

Trusteeship Services Ltd. for carrying out trusteeships and other related business.

- Industrial Development Bank of India has formed a new company IDBI Trusteeship

Services Ltd. for carrying out trusteeship and related businesses.

- IDBI has sold 1,40,845 No. of equity shares for Rs 15 each of Pennar Profiles to P

Udaya Bhaskara Reddy, a strategic investor, as part of the arrangements entered into by

the promoters of Pennar Profiles with IDBI.

- The Bank has launched a non-convertible debentures issue to raise. At least Rs 500crore.

- The Government has re-appointed Mr S.K. Chakraborty as the acting Chairman and

Managing Director of Industrial Development Bank of india (IDBI). Mr Chakraborty has

been given an extension of three months beginning May 1 or till a regular CMD is

appointed.

-Credit Rating and Information Services of India Ltd (Crisil) has downgraded the

outstanding bond issues


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and the certificate of deposit programme of the Industrial Development Bank of India.

-Industrial Development Bank of India has picked up over 30 per content equity stake in

a Chennai-based high-end animation and motion graphics company, MUV Technologies,

by investing Rs 2.7 crore. MUV Technologies, which has already set up the studio, is

engaged in the development, production and creation of high concept, professional

computer animation, visual effects and motion graphics.

- The Credit Rating Information Services of India Ltd (Crisil) has assigned a rating of

AA+, indicating high

safety to the the Industrial Development Bank of Indias (IDBI) Rs 2,500-crore

Flexibonds and Rs 6,343

crore Omni bonds programme

- IDBI bank has plans to open over200 atms soon in a bid to expand its operations in

India and thus position itself to become a fast growing entity.

-The Finance Ministry did a last-minute volte face on July 30, asking Mr S.K. Kapur to

temporarily head the Industrial Development Bank of India (IDBI). This is the fourth time

that the Ministry has hesitated from appointing a full-time Chairman for the top term-

lender.

2001

- India's largest term lender Industrial Development Bank of India raised Rs 55 crore (.68

million) through a


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Private placement of 90-day commercial paper, debt dealers said.

2002

- Industrial Development Bank of India has informed that Mr T M Nagarajan has been

appointed as Whole Time Director (designated as Deputy Managing Director) of IDBI for

the period from the date of taking charge and upto September 30,2002.

-Industrial Development Bank of India has informed that Govt of India, vide notification

dated July 19,2002 has appointed Shri D C Gupta, Secretary Financial Sector, Ministry of

Finance, Dept of Economic Affairs as a Director on the Board of Industrial Development

Bank of India wef July 19, 2002.

-Industrial Development Bank of India has informed BSE that the shareholders other than

Central Government have elected the following three Directors in the AGM held on

August 02, 2002

Mr Ravi Veera Gupta

Mr Manohar Gopal Bhide

Mr Jamshed J Irani

-Appointed as the lead manager to the 1000 mw Maithon Power Company

-Board accords in-principal approval for group's entry into non-life/reinsurance broking

business


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-Receives from the Asian Development Bank a line of credit worth million

-Slashes interest rates on Flexibonds by 25 basis points

-Gives revamping package for Natco Pharma Ltd.

-Enters domestic market with Omni bonds worth Rs 250 cr

-Sets up a body of Rs 100 crore exclusively for providing support to the film industry

-Promoters of Visaka Industries Ltd buy-back 4,63,858 equity shares of face value

Rs.10/- each held by Industrial Development Bank of India at a price of Rs.23/- per share

-ICRA assigns downward rating to IDBI long-term programmes

-FIs, banks given more power to recover NPAs through Asset Reconstruction Ordinance

-Comes out with the issue of Flexibonds-14 with four bonds on July 26 to collect a total

of Rs 200 crore

-Refuses to accept GE-Bechtel offer to restart Dabhol Power Company(DPC)

-Mops up Rs 337 cr by securitising loans to three firms


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-Buys back Float Rate Notes of 0 mn

-Hits market with 9.4% interest for five-year retail bonds

-Reports drop in non-performing assets (NPAs) at Rs 1,300 crore

-Raises Rs 415 cr through Flexibonds-15

-Government gives nod for the restructuring package for the company by repealing the

IDBI Act and facilitating the conversion of the development financial institution into a

stand-alone bank

-Endorses proposal to purchase DPC power at Rs 2.80/unit

-Reduces Flexibonds interest rate by 25-85 basis points

-Sells 2,98,174 fully paid equity shares of Rs 10/- each of Infotech Enterprises, reduces

the holding in the company to 4.51%

2003

-Refunds 0,000 deposit amount to DPC bidders with a view to sell assets of DPC
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-IDBI board okays 50 % Asset Management Company (AMC) stake sell off to Principal

Financial Group of the USA

-Offloads 25 lakh Discount and Finance House of India (DFHI) equity shares to State

Bank of India (SBI)

-Seizes salt refinery of Ganesh Benzoplast under Securitisation Act

-Centre permits IDBI to reissue Statutory Liquidity Ratio (SLR) bonds

-Divests its 50% stake in AMC & trustee company in favour of Principal Financial

Group of the USA for Rs 94 crore

-Takes possession on the second resort of Suman Motels Ltd. under the Securitisation Act

-Modifies its financing pattern for films by doing away with profit-sharing or overflow,

and the completion bond guarantee

-Acquires entire stake of Tata Finance Ltd. in Tata Home finance Ltd.for Rs 49.98 crore,

enters housing Finance sector

-Offloads its stake in Gujarat Borosil Ltd. to Vulcan Exports Ltd.


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-Sells 7.56 crore shares in Mangalore Refinery & Petrochemicals Ltd. (MRPL) to Oil &

Natural Gas Corporation Ltd. (ONGC)

-Signs a formal subscription Agreement on July 7, 2003 with Nepal Development Bank

Ltd. (NDBL), a private sector development bank in Nepal. Buys 10% stake in NDBL

-Acquires the knit processing unit of Suditi Industries Ltd on July 4 which is situated

close to Navi Mumbai under the Securitisation Act

-Sues Spectrum Power Generation Limited (SPGL) for allotment of shares worth Rs

23.25 crore in SPGL

-J K Corp allots 26,53,500 shares to IDBI by way of conversion of part of rupee term

loans into equity shares of the company under restructuring scheme

-IDBI, IFCI ink deal to launch SLR bonds

-Lok Sabha introduces IDBI (Transfer of Undertaking and Repeal) Bill, 2002 on August

14 which will pave the way for the transformation of the institution into a bank

-Acquires CMM Studios under Securitisation Act

-Appointed P P Vora, chairman and managing director, IDBI, as the chairman of it' s


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new housing finance arm

-IDBI Home finance mops up million through external commercial borrowings

-Clears restructuring package for Stone India Ltd.

-IDBI Home finance reduces home loan rates up to 150 basis points

-Ties up with Andhra Bank to sell Governtment of India (GOI) saving bonds

-Acquires 1,62,87,668 shares amounting to 5.51% of the total paid up capital of Recron

Synethetics Ltd.

-UTI Chairman & Managing Director (CMD) Mr. M Damodaran takes chargeas CMD of

IDBI and holds concurrent charge from October 1 as part on an interim arrangement

-Mr P P Vora has withdrawn from the board of IDBI Bank wef November4, 2003.

Further, Industrial Development Bank of India (IDBI) has notified nomination of Mr M

Damodaran, CMD, IDBI as its nominee director on the Board of the bank wef November

4, 2003 in place of Mr P P Vora.

-Lok Sabha clears Industrial Development Bank (transfer of undertaking & repeal) Bill

of 2002


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2004

-IDBI rejigs debt borrowing program

-IDBI gets a bonanza out of IFCI-PNB amalgamation

-Industrial Development Bank of India (IDBI) has informed that the Government of

India, Ministry of Finance vide notification dated February 4, 2004 states that in

supersession to the notification dated September 29, 2003 and consequent upon the

approval of the Appointment Committee of the Cabinet, it has decided to entrust the

additional charge of the post of Chairman and Managing Director (CMD), IDBI to Shri

M. Damodaran, Chairman, Unit Trust of India w.e.f. October 1, 2003 to May 31, 2004.

-Standard & Poor's (S&P) Ratings Services on February 19 assigned Industrial

Development Bank of India's (IDBI) proposed 0 million senior unsecured notes a 'BB'

rating. An obligation rated BB is less vulnerable to non-payments and other speculativeissues. However, it faces major ongoing uncertainties or exposures to adverse business,

financial or economic conditions, which could lead to obligour'sinadequate capacity to

meet its financial commitments on the obligation.

--Industrial Development Bank of India [IDBI] has acquired 17,60,000shares amounting

to 12.11% of the total paid up capital of Soma Textiles Limited.


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2004

-The promoters of Eastern Threads Ltd (ETL) have purchased 4 lakh equity shares of face

value of Rs 10 each of ETL, from Industrial Development Bank of India, at a price of Re

1 per share. The transaction constituted over one per cent of the paid up capital of the

ETL.

-IDBI acquires 46 lakh shares of Mysore Cements

-Mr Damodaran has been appointed CMD at IDBI with effect from June 1,2004 till May

31, 2007

-IDBI - Launch of sixth tranche of IDBI Omni bonds (2004-2005)

2005

-Industrial Development Bank of India Ltd (IDBI) has informed that the Public Issue of

IDBI Flexibonds

23, which was opened for subscription on March 21, 2005 has been closed on March 29,

2005.

-IDBI enters into CO-Financing tie-up with SIDBI.

2006


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-IDBI signs MoU with Fortis

-IDBI bags IT Team of the Year Award 2005.

-IDBI sets up new branch in Andheri

-IDBI - Tripartite MOU with Federal Bank & Forties Insurance International

-IDBI bags Asia money's Best India Deal of the Year Award 2005.

-IDBI Launches No Frills 'Sabka' Savings Bank Account.

2007

- Industrial Development Bank Of India Limited has informed that asper provisions of

Article 134 to 138 of the Articles of Association of IDBI Ltd., read with Sections 255 and

256 of the Companies Act,1956, the shareholders have re-appointed the following two

directors after retirement by rotation on the Board of Directors of IDBI Ltd. in the 3rdAnnual General Meeting of IDBI Ltd. held on June 22, 2007.

(1) Shri Hira Lal Zutshi and

(2) Shri A. Sakthivel

-IDBI Wins Three Awards at the ABCI

-IDBI signs MOU with IFC for co-operation in Clean Development Mechanism (CDM)


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Projects

-IDBI, Federal Bank and Fortis Sign Joint Venture Agreement To Establish A New Life

Insurance Company In India

-IDBI Launches new 600 days Suvidha Plus FD Scheme

2008

-Industrial Development Bank Of India Limited has submitted to a copy of the Resolution

passed by the Board by circulation on March 12, 2008 in respect of change of name of the

Bank to IDBI Bank Limited by passing a Special Resolution through Postal Ballot in

terms of Section 192A of the Companies Act, 1956.

-Company name has been changed from Industrial Development Bank of India Ltd to

IDBI Bank Ltd.

-IDBI bags two Special IT Awards from IBA

-IDBI ties up with Moti lal Oswal Securities for online trading


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2009

- IDBI Bank has slashed its benchmark prime-lending rate (BPLR) by 25 basis points to

12.75 per cent. The reduction will come into effect from July 1 and will apply to all loans

linked to the BPLR, including home loans, according to a press release from the bank. The

bank cut deposit rates by 25-50 basis points earlier this week.

-IDBI Bank bags IBA's prestigious Banking Technology award

-IDBI Bank Ltd and Tata Motors Limited (TML) sign MoU for Vehicle Loan Financing

2010

- IDBI Bank has opened its first overseas branch at the Dubai International Financial

Centre.


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Vision

To be the trusted partner in

progress by leveraging quality

human capital and selling

global standards

of excellence to build

the most valued

financial conglomerate

Our Mission

Perfection in Power

To ensure most cost effective power for sustained growth of India.

To provide clean and green power for secured future of countrymen.

To retain leadership position of the organization in Hydro Power generation,

while working with dedication and innovation in every project we undertake.

To maintain continuous pursuit for cost effectiveness enhanced productivity for

ensuring financial health of the organization, to take care of stakeholders

aspirations continuously.

To be a technology driven, transparent organization, ensuring dignity and


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respect for its team members.

To inculcate value system all cross the organization for ensuring trustworthy

relationship with its

Constitutent associates & stakeholders.

To continuously upgrade & update knowledge & skill set of its human resources.

To be socially responsible through community development by leveraging

resources and knowledge base.

To achieve excellence in every activity we undertake.

SUBSIDIARIES

IBDI Bank has the following subsidiaries:

IDBI is a pioneer Institute in Nation building. To cater to its ever-expanding

needs,IDBI formed subsidiaries & joint ventures across diverse areas of Banking &

Financial System.
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IDBI Capital Market Services

a wholly owned subsidiary, offers a full suite of financial products. Its business

includes stock broking, distribution of financial products, Portfolio management of

Pension / PF funds & Research services, etc.

Invest online - Equities, MF & IPOs -www.idbipaisabuilder.in

IDBI Intech Ltd.

a wholly owned subsidiary, deals in the Information Technology Services, Information

Security Practice, Knowledge Management Services, national contact center and

outbound contact center.

IDBI Asset Management

IDBI Asset Management Limited (AMC), the Asset Management Company of IDBI

Mutual Fund is a wholly-owned subsidiary of IDBI Bank Ltd. Its mission is to promote

inancial inclusion, by assisting the common man in making informed investment

choices, through mutual funds. The trustee company for IDBI Mutual Fund is IDBI MF

Trustee Company.

IDBI Federal Life Insurance Company Ltd.

joint venture with Federal Bank and Ageas, a multinational insurance giant based

out of Europe. It primarily deals in Life insurance space
http://www.idbi.com/disclaimer2.asp?lk=Chttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=Ghttp://www.idbi.com/disclaimer2.asp?lk=Ohttp://www.idbi.com/disclaimer2.asp?lk=Ehttp://www.idbi.com/disclaimer2.asp?lk=Nhttp://www.idbi.com/disclaimer2.asp?lk=C


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PRODUCTS AND SERVICES

IDBI Bank offers a wide array of products and services to its customers. For different

customer groups and needs, there are different types of products and services including

Personal Banking, Corporate Banking, SME Finance and Agri Business etc.

Personal Banking

Following products and services are offered under Personal Banking:

Deposits

o Savings Account

o Current Account

o Fixed Deposits

o Suvidha Tax Saving Fixed Deposit

o Pension Accounts

o Sabka Account

o Super Shakti Account for Women

o Jubilee Plus Account

Loans

o Home Loans

o Loans Against Property

o Education Loans

o Personal Loan

o Loan Against Securities

o Reverse Mortgage Loano Auto Loan


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Payments

o Tax Payments

o Stamp Duty payments

o Easy Fill

o Bill Payment

o Card to Card Money Transfer

o Online Payments

o Pay Mate

Investments Advisory

o Smart Financial Planning

o Mutual Fund

o Insurance

o Fixed Income Securities

Cards

o Gold Debit Card

o International Debit cum ATM Card

o Gift Card

o World Currency Card

o Cash Card

o KIDS Debit Card

o Foundation Day Cash Back Scheme 2009

o Platinum Card

Institutional Banking

o Institutional Savings Account


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o Corporate Payroll Account

24 Hours Banking

o Phone Banking

o SMS Banking

o Account Alerts

o Internet Banking

Other products

o Lockers

o India Post

Preferred Banking

NRI Services

Capital Market

o IPO

o Demat

Corporate Banking

Following products and services are offered by IDBI Bank for the corporates:

Project Finance

Infrastructure Finance

Syndication, Underwriting & Advisory Services

Carbon Credits Business

Working Capital

Cash Management Services


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Trade Finance

Tax Payments

Derivatives

Technology Up gradation Fund Scheme (TUFS)

Film Financing Scheme

Direct Discounting Bills

Rehabilitation Finance

SME Finance

Following SME Finance products are offered by the IDBI Bank:

Sulabh Vyapar Loan

Dealer Finance

Funding under CGFMSE

Direct Credit Scheme - SIDBI

Preferred customer scheme - IDBI Bank / SIDBI

Vendor financing (Pre - Sale)

Vendor financing (Post - Sale)

Lending Against the Security of Future Credit Card Receivables

Working Capital Financing - Software Development Entities

Finance to Medical Practitioners

Loan to SRWTO

SME Hosiery Special Current Account


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SIGNIFICANT DEVELOPMENTS DURING FY 2011-12 (APRILTILL DATE

International certification ISO 9001:2008 was awarded to IDBI Bank for all

its Centralised Clearing Units across the country. The Bank has also

implemented Lean Six Sigma Project for its Centralised Operations, to

provide error-free and timely services to its customers.

IDBI Bank, along with the technology partner Oracle won the Asian Banker

Technology Implementation Award 2011 for Best Data and Analytics Project for

implementing an analytics solution that measures and analyses interest rate and

liquidity risks, integrates its performance management framework and conducts

faster and robust scenario analyses.

The Dalal Street Investment Journal (DSIJ) PSU Award was received by IDBI

Bank. The Bank was adjudged the Best Bank of the Year for its consistent

performance. This award is given for the recognition of excellence in performance

and contribution to the Indian economy by the Public Sector Undertakings.

A Memorandum of Understanding (MoU) was signed between IDBI Bank Limited

and the Indian Army for offering a wide range of banking services & products and a

customized defence salary account, exclusively designed for the army personnel.

Under this MoU, IDBI Bank will install ATMs and also open branches at select

locations approved by the Indian Army for benefit of its


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personnel. IDBI Bank has designated dedicated officers to service the banking

needs of defence personnel at such branches.

US Dollar correspondent Wells Fargo Bank N.A. has rated IDBI Bank as the Best

Bank in STP (Straight-through processing) payments in the South Asia region.

IDBI Bank originated more than 1 lakh payment messages in FY 11. The Bank

handled payment messages worth more than USD 15bn in FY 2010-11. The Bank

has recently launched multi-currency payment product.

IDBI Bank launched a 247 Premier Locker Facility at its Cuffed Parade, Colaba

Branch at Mumbai. IDBI Bank is the First Bank to have a 247 locker facility with

a feature of biometric access. The Bank would also offer such service in metros and

other centers in due course of time.

IDBI Bank commenced Vikas Yatra from Mumbai to Jangipur, via. Nagpur and

Raipur to promote developmental activities in the country. On culmination of the

event Shri Pranab Mukherjee, Hon'ble Union Finance Minister, inaugurated IDBI

Bank in Jangipur, West Bengal and dedicated a bus for mobile Banking Facility for

the socio-economic development of the area.

IDBI Bank Ltd is one of the Registrars for enrolment of residents under Aadhaar

project of UIDAI. In this regards, the Bank launched pilot project for UIDAI

Aadhaar enrolment.


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IDBI Bank has been implementing the India Chiller Energy Efficiency Project (ICEEP) in

association with World Bank and Ministry of Environment and Forests (MoEF), GoI. In a

recent initiative the Bank released grant incentives of USD 75,600 (i.e. Rs. 34,02,000) to

Essar Steel Limited, being the first beneficiary under ICEEP on successful completion of

its sub-project for replacement of three CFC centrifugal chillers (300TR each) with three

energy efficient non-CFC chillers (350TR each) at its integrated steel plant at Hazira,

Gujarat, under Global Environment Facility.

ROLE OF IDBI

IDBI is vested with the responsibility of co-ordinating the working of institutions

engaged in financing, promoting and developing industries. It has evolved an appropriate

mechanism for this purpose. IDBI also undertakes/supports wide-ranging promotional

activities including entrepreneurship development programmes for new entrepreneurs,provision of consultancy services for small and medium enterprises, upgradation of

technology and programmes for economic up liftment of the underprivileged.

IDBI's role as a catalyst

IDBI's role as a catalyst to industrial development encompasses a wide spectrum of

activities. IDBI can finance all types of industrial concerns covered under the provisions

of the IDBI Act. With over three decades of service to the Indian industry, IDBI has


41/60

grown substantially in terms of size of operations and portfolio.

IDBIs role in development activities

In fulfillment of its developmental role, the Bank continues to perform a wide range of

promotional activities relating to developmental programmes for new entrepreneurs,

consultancy services for small and medium enterprises and programmes designed for

accredited voluntary agencies for the economic upliftment of the underprivileged. These

include entrepreneurship development, self-employment and wage employment in the

industrial sector for the weaker sections of society through voluntary agencies, support to

Science and Technology Entrepreneurs' Parks, Energy Conservation, Common Quality

Testing Centres for small industries.

Technical Consultancy Organisations

With a view to making available at a reasonable cost, consultancy and advisory services

to entrepreneurs, particularly to new and small entrepreneurs, IDBI, in collaboration with

other All-India Financial Institutions, has set up a network of Technical Consultancy

Organisations (TCOs) covering the entire country. TCOs offer diversified services to

small and medium enterprises in the selection, formulation and appraisal of projects, their

implementation and review.


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SWOT Analysis

Strength

1. Industrial banking expertise for businesses

2. State of art IT support and technological innovation

3. Customised banking solutions

4. Has a strong employee base of over 14,000

Weakness

1. Less penetration across India especially rural areas

2. Strong competition from other powerful branded ban

3. Extremely low number of branches and ATMs

Opportunity

1. Personal banking and improved customer service

2. Favourable Government schemes

Threats

1. Economic crisis

2. Highly competitive environment due to Indian and

foreign banks

3. Complex financial products by foreign banks

Competition

Competitors

1. SBI

2. Andhra Bank

3. Allahabad bank

4. HDFC Bank

5. Axis Bank


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Dividend History

IDBI Bank Ltd Change Company :Company Nam

BSE

Chairman : R M Malla Industry : Bank - Public

Last Price Today's Change Open Prev Close Day's Range 52 Week Range

106.00 1.55 104.00 104.45 (106.50) (103.55) (202.25) (94.75)

BSE Code 500116

ISIN Demat INE008A01015

Book Value

(Rs.)132.09

Dividend Yield

(%)3.30

Market Cap

(Rs Mn)104369.15

P/E 6.02

EPS (Rs.) 17.62

Face Value

(Rs.)10

Volume 336431.00

Last Price Today's Change Open Prev Close Day's Range 52 Week Range

106.05 1.60 104.00 104.45 (106.50) (102.60) (202.25) (94.45)

NSE Code IDBI

ISIN Demat INE008A01015

Book Value 132.09

Dividend Yield

(%)3.30

Market Cap(Rs

Mn)104369.15

P/E 6.02

EPS 17.62

Face Value 10

Volume 1316841.00
http://www.google.co.in/imgres?imgurl=http://www.saurabhrai.info/wp-content/uploads/2011/06/IDBI-Bank.jpg&imgrefurl=http://www.saurabhrai.info/2011/06/idbi-bank-zero-balance-savings-account/&h=56&w=209&sz=6&tbnid=_7C70h7qZFk_0M:&tbnh=28&tbnw=106&prev=/search?q=logo+of+i+d+b+i&tbm=isch&tbo=u&zoom=1&q=logo+of+i+d+b+i&hl=en&usg=__sd418Mv7Lg5scfr15YQF0WTuC3A=&sa=X&ei=BuuXTrj0M8HrrQfP5NXuAw&ved=0CB4Q9QEwBQhttp://www.google.co.in/imgres?imgurl=http://www.saurabhrai.info/wp-content/uploads/2011/06/IDBI-Bank.jpg&imgrefurl=http://www.saurabhrai.info/2011/06/idbi-bank-zero-balance-savings-account/&h=56&w=209&sz=6&tbnid=_7C70h7qZFk_0M:&tbnh=28&tbnw=106&prev=/search?q=logo+of+i+d+b+i&tbm=isch&tbo=u&zoom=1&q=logo+of+i+d+b+i&hl=en&usg=__sd418Mv7Lg5scfr15YQF0WTuC3A=&sa=X&ei=BuuXTrj0M8HrrQfP5NXuAw&ved=0CB4Q9QEwBQ


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Year End Dividend %

Mar 2009 25.00

Mar 2008 20.00

Mar 2007 15.00

Mar 2006 15.00

Mar 2005 15.00

Mar 2004 12.50

Mar 2003 12.50

Mar 2002 10.00

Mar 2001 7.00

Mar 2000 12.00

Mar 1999 9.00


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Profit and Loss of Industrial Development Bank of India

(Rs in Cr.)

Mar` 09 Mar` 08 Mar` 07 Mar` 06

Income :Operating IncomeExpenses:

Financial ExpensesPersonnel ExpensesSelling ExpensesAdminstrativeExpensesExpenses CapitalisedOperating ExpenditureOperating ProfitOther RecurringIncomeAdjusted PBDIT

Provisions MadeDepreciationOther Write offsAdjusted PBTTax ChargesAdjusted PATNon Recurring ItemsOther Non CashadjustmentsReported Net ProfitEarnigs Before

AppropriationEquity DividendPreference DividendRetained Earnings

17063.6

3005.22756.9945.84

1173.96

0149822081.6253.47

15340.29

865.21

90.980

1378.88346.31

1032.57

-1.430

1032

1102.33217.46

0853.4

12668.35

10305.72569.2448.38

811.35

011734

933.66113.73

11353.11

22.33

52.70

972.36127.1

845.26

13.280

858

879.58181.2

0667.59

9159.74

7364.41384.61

25.25599

08373

786.47138.48

8289.36

19.55

83.50

821.8993.25

728.64

0.810

730

2044.36144.95

01877.14

6994.23

5687.49282.911.01

597.99

06579

414.84211.15

6313.48

0

1220

50452.31

451.69

178.620

631

1661.02108.65

01533.9

6398.8

5000.82318.51

16.95554.26

05891

508.26217.29

5726.37

0

143.550

58227.46

554.54

6.35-0.11

561

1348.23108.57

01224.43


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POSITION OF IDBI BANK IN STOCK MARKET

Historical Prices

From Date

To

date

Print

DATE OPEN HIGH LOW

CLOS

E

VOLUM

E

14/10/2011 103.55 106.5 102.6 106.05 1316841

13/10/2011 105.8 106.65 103.35 104.45 1729105

12/10/2011 101.3 106 101.05 105.25 2052477

11/10/2011 102.7 104 100.55 100.95 1502444

10/10/2011 99.1 101.85 98.25 101.55 2319325

7/10/2011 96.5 100.2 96.5 98.85 1957161

5/10/2011 98.2 98.9 94.45 94.8 1846342

4/10/2011 101 102.85 97 97.35 2123891

3/10/2011 104 104 99.7 101.2 1111827

30/09/2011 104.05 105.4 102.25 102.55 1190116

29/09/2011 104 104.65 102.75 103.65 1493533

DailyNSE

02/09/2011 14/10/2011
http://economictimes.indiatimes.com/prices.cms?companyid=2718&fromdate=01/Jan/2011&todate=14/Oct/2011&frequency=Daily&numberofdmw=100&exchangeid=50&pagesize=30&pagenumber=0&arc=0&prtpage=1http://www.google.co.in/imgres?imgurl=http://www.saurabhrai.info/wp-content/uploads/2011/06/IDBI-Bank.jpg&imgrefurl=http://www.saurabhrai.info/2011/06/idbi-bank-zero-balance-savings-account/&h=56&w=209&sz=6&tbnid=_7C70h7qZFk_0M:&tbnh=28&tbnw=106&prev=/search?q=logo+of+i+d+b+i&tbm=isch&tbo=u&zoom=1&q=logo+of+i+d+b+i&hl=en&usg=__sd418Mv7Lg5scfr15YQF0WTuC3A=&sa=X&ei=BuuXTrj0M8HrrQfP5NXuAw&ved=0CB4Q9QEwBQhttp://economictimes.indiatimes.com/prices.cms?companyid=2718&fromdate=01/Jan/2011&todate=14/Oct/2011&frequency=Daily&numberofdmw=100&exchangeid=50&pagesize=30&pagenumber=0&arc=0&prtpage=1


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28/09/2011 107.05 107.45 104.25 104.6

27/09/2011 104.95 107.15 104.8 106.65 1140419

26/09/2011 103.95 104.45 101.1 103.7 1362623

23/09/2011 103 104.75 101.65 103 1737714

22/09/2011 108 108 104.2 104.8 1535712

21/09/2011 109 110.1 108.3 109.1 1368076

20/09/2011 107.2 109.3 106.2 108.85 1244953

19/09/2011 106.95 108.25 106 106.95 1148328

16/09/2011 110 110.3 106.1 107.35 2776542

15/09/2011 106.25 109.45 105.7 109.05 1922016

14/09/2011 105.2 106.5 103.2 105.95 1729338

13/09/2011 106.4 107.5 104 105.2 1465735

12/9/2011 106.5 107.9 105 105.45 1483521

9/9/2011 112.2 114 109 109.45 1726934

8/9/2011 110.45 113.8 109.75 112.35 3023701

7/9/2011 108.15 111.05 108.1 110.15 1813677

6/9/2011 105.5 108.9 103.9 107.4 2299282

5/9/2011 105.4 107.4 103.5 106.7 1223620

2/9/2011 107.5 108.95 104.9 106.05 1952299


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STOCK PRICES

MONTH

Prices

Date Open High Low Close Avg VolAdj

Close*

3 Oct, 2011 103 106.7 94.75 106 433,700 106

2 Sep, 2011 108.95 114.1 101.25 102.75 409,700 102.75

1 Aug, 2011 130.05 131.4 102.9 110.3 454,000 110.3

1 Jul, 2011 136.95 139.25 127.4 128.65 298,800 128.65

1 Jun, 2011 134.75 137 122 136.05 375,300 136.05

2 May, 2011 144.25 144.4 126 134.25 465,000 134.25
http://www.google.co.in/imgres?imgurl=http://www.saurabhrai.info/wp-content/uploads/2011/06/IDBI-Bank.jpg&imgrefurl=http://www.saurabhrai.info/2011/06/idbi-bank-zero-balance-savings-account/&h=56&w=209&sz=6&tbnid=_7C70h7qZFk_0M:&tbnh=28&tbnw=106&prev=/search?q=logo+of+i+d+b+i&tbm=isch&tbo=u&zoom=1&q=logo+of+i+d+b+i&hl=en&usg=__sd418Mv7Lg5scfr15YQF0WTuC3A=&sa=X&ei=BuuXTrj0M8HrrQfP5NXuAw&ved=0CB4Q9QEwBQhttp://www.google.co.in/imgres?imgurl=http://www.saurabhrai.info/wp-content/uploads/2011/06/IDBI-Bank.jpg&imgrefurl=http://www.saurabhrai.info/2011/06/idbi-bank-zero-balance-savings-account/&h=56&w=209&sz=6&tbnid=_7C70h7qZFk_0M:&tbnh=28&tbnw=106&prev=/search?q=logo+of+i+d+b+i&tbm=isch&tbo=u&zoom=1&q=logo+of+i+d+b+i&hl=en&usg=__sd418Mv7Lg5scfr15YQF0WTuC3A=&sa=X&ei=BuuXTrj0M8HrrQfP5NXuAw&ved=0CB4Q9QEwBQ


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1 Apr, 2011 143.1 153.75 142.05 143.55 933,200 143.55

1 Mar, 2011 133.7 147.1 131.2 142.45 680,400 142.45

1 Feb, 2011 142.5 143 122.65 131.35 1,211,600 131.35

3 Jan, 2011 165.75 168.3 136.25 141.4 1,462,400 141.4

1 Dec, 2010 164 173.8 144.95 164.75 1,499,200 164.75

1 Nov, 2010 183.9 202.25 146.55 163.35 2,561,300 163.35

1 Oct, 2010 153.9 188.4 153.55 180.65 1,883,500 180.65


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INTRADAY STOCK CHART

OF IDBI BANK

RATING OF IDBI BANK

Ratings for Rupee Borrowings (As on September 30 , 2010)

CRISIL ICRA Fitch

Fixed Deposit FAAA/S

table

MAA+ tAAA(ind)

Short Term

Borrowings

P1+ A1+ F1+(Ind)


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(Certificate of

Deposits)

Long Term

Rupee Bonds

(Senior & Lower

Tier II bonds)

AA+/Sta

ble

LAA+/S

table

AA+(Ind)

Hybrid - Upper

Tier II

AA/Stab

le

LAA/St

able

AA(Ind)

Hybrid -

Innovative

Perpetual Debt

Instrument

(IPDI)

AA/Stab

le

LAA/St

able

----

Ratings for Foreign Currency Borrowings (As on September 30 , 2010)

Rating Agency Long term rating

Moody's Investor Services

(Moody's)

Baa3

Standard & Poor's (S&P) BBB - /Stable


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RATIOS OF INDUSTRIAL DEVELOPMENT BANK

OF INDIA

PER SHARE RATIOS

Adjusted E P S (Rs.)

Adjusted Cash EPS (Rs.)Reported EPS (Rs.)

Reported Cash EPS (Rs.)

Dividend Per Share

Operating Profit Per

Share (Rs.)

Book Value (Excl Rev

Res) Per Share (Rs.)

Book Value (Incl Rev

Res) Per Share (Rs.)

Net Operating Income

Mar` 10

14.24

15.514.23

15.48

3

28.72

113.5

140.23

Mar` 09

11.66

12.3911.85

12.57

2.5

12.88

102.71

130.02

174.79

Mar` 08

10.06

11.22

2

10.85

93.82

121.72

126.38

Mar` 07

6.24

7.928.7

10.39

1.5

5.73

86.09

114.58

96.56

Mar` 06

9.647.75

9.73

1.5

7.02

88.04

88.04

88.41


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Per Share (Rs.)

Free Reserves Per Share

(Rs.)

PROFITABILITY

RATIOS

Operating Margin (%)

Gross Profit Margin (%)

Net Profit Margin (%)

Adjusted Cash Margin

(%)

Adjusted Return On Net

Worth (%)

Reported Return On Net

Worth (%)

Return On long Term

Funds (%)

LEVERAGE RATIOS

Long Term Debt /

EquityTotal Debt/Equity

Owners fund as % of

total Source

Fixed Assets Turnover

Ratio

LIQUIDITY RATIOS

Current Ratio

Current Ratio (Inc. ST

Loans)

235.4

77.72

12.19

11.66

5.95

6.48

12.55

12.53

174.83

0

20.38

4.67

4.180.55

0.02

19.49

0

24.14

22.18

70.83

7.37

6.95

6.71

7.02

11.35

11.53

151.49

0

15.1

6.21

3.27

0.79

0.04

18.98

0

24.69

23.26

74.93

66.69

8.58

7.67

7.84

8.73

10.71

10.72

120.38

0

10.74

8.52

2.35

0.4

0.04

9.07

0

22.92

20.56

77.06

62.47

5.93

4.18

8.74

7.96

7.24

10.1

99.28

0

6.95

12.57

1.81

0.61

0.11

7.55

0

20.16

16.89

71.86

67.38

7.94

5.69

8.47

10.55

8.7

8.8

87.61

0

4.08

19.68

2.77

0.49

0.12

6.89

0

22.07

17.57


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Quick Ratio

Inventory Turnover

Ratio

PAYOUT RATIOS

Dividend payout Ratio

(Net Profit)

Dividend payout Ratio

(Cash Profit)

Earning Retention Ratio

Cash Earnings Retention

Ratio

COVERAGE RATIOS

Adjusted Cash Flow

Time Total Debt

Financial Charges

Coverage Ratio

Fin. Charges Cov.Ratio

(Post Tax)

COMPONENTRATIOS

Material Cost

Component(% earnings)

Selling Cost Component

75.9

77.85

149.23

1.18

1.09

0

0.26

0

0

0.94

33.77

76.4

125.17

1.1

1.09

0

0.38

0

0

0.91

33.77

79.42

89.88

1.13

1.11

0

0.27

0

0

0.88

33.77

77.85

75.57

1.11

1.13

0

0.15

0

0

0.81

33.79

77.68

82.27

37.25

1.15

1.14

0

0.26

0

0

0.85

33.82


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Competition

Name Last

Price

Market Cap

(Rs. cr.)

Net Interest

Income

Net Profit

SBI 1,885.20 119,710.01 81,394.36 8,264.521,223,736.2

0

PNB 972.50 30,809.98 26,986.48 4,433.50 378,325.25

Bank of Baroda 770.60 30,269.94 21,885.92 4,241.68 358,397.18

Canara Bank 458.55 20,313.77 23,064.02 4,025.89 336,078.76

Bank of India 338.40 18,517.92 21,751.72 2,488.71 351,172.55

Union Bank 253.40 16,099.26 16,452.62 2,081.95 235,984.44

IDBI Bank 106.05 10,441.84 18,600.82 1,650.32 253,376.80

Oriental Bank 300.90 8,779.09 12,087.82 1,502.87 161,343.38

Indian Bank 204.25 8,778.05 9,361.03 1,714.07 121,718.31

Allahabad Bank 155.50 7,405.15 11,014.69 1,423.11 151,286.36

Andhra Bank 121.85 6,818.49 8,291.28 1,267.07 108,900.73

Central Bank 103.30 6,679.65 15,220.57 1,252.41 209,757.32

Corporation Ban 416.85 6,174.91 9,135.25 1,413.27 143,508.59

IOB 99.45 6,153.46 12,101.47 1,072.54 178,784.27

Syndicate Bank

104.35 5,982.24 11,450.86 1,047.95 156,538.79UCO Bank 67.70 4,248.29 11,370.80 906.54 163,398.45

State Bnk Tr 601.55 3,007.75 5,228.76 727.73 70,976.75

State B Bikaner 392.45 2,747.15 4,796.48 550.88 62,954.50

State Bnk My 567.70 2,656.82 4,079.08 500.62 52,032.46
http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBIhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBIhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/punjabnationalbank/PNB05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/punjabnationalbank/PNB05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankofbaroda/BOBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/canarabank/CB06http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankofindia/BOIhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/unionbankindia/UBI01http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/unionbankindia/UBI01http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/idbibank/IDB05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/orientalbankcommerce/OBChttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/orientalbankcommerce/OBChttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianbank/IB04http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianbank/IB04http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/allahabadbank/AB15http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/allahabadbank/AB15http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/andhrabank/AB14http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/centralbankindia/CBO01http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/corporationbank/CBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/corporationbank/CBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianoverseasbank/IOBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianoverseasbank/IOBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/syndicatebank/SB9http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/syndicatebank/SB9http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/ucobank/UCOhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebanktravancore/SBThttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankbikanerjaipur/SBB02http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankmysore/SBMhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankmysore/SBMhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankbikanerjaipur/SBB02http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebanktravancore/SBThttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/ucobank/UCOhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/syndicatebank/SB9http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianoverseasbank/IOBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/corporationbank/CBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/centralbankindia/CBO01http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/andhrabank/AB14http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/allahabadbank/AB15http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/indianbank/IB04http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/orientalbankcommerce/OBChttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/idbibank/IDB05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/unionbankindia/UBI01http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankofindia/BOIhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/canarabank/CB06http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankofbaroda/BOBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/punjabnationalbank/PNB05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBI


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Vijaya Bank 55.05 2,602.03 5,844.06 523.82 81,690.63

Dena Bank 76.80 2,560.43 5,033.53 611.63 70,838.43

United Bank 72.55 2,498.77 6,341.46 523.97 90,040.53

Bank of Mah 47.45 2,285.73 5,563.08 330.39 76,442.21

Punjab & Sind 71.85 1,602.66 - - -

UTI - Gold 2,575.60 357.55 - - -
http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/vijayabank/VB03http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/denabank/DBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/unitedbankindia/UBOhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankmaharashtra/BM05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/punjabsindbank/PSBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/utigoldexchangetradedfund/UTI18http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/utigoldexchangetradedfund/UTI18http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/punjabsindbank/PSBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/bankmaharashtra/BM05http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/unitedbankindia/UBOhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/denabank/DBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/vijayabank/VB03


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