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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
- 130,00,000 shares issued.
1984
- IDBI introduced equipment finance scheme in September.
- 30,00,000 shares issued.
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.
- 30,00,000 shares issued.
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.
- 30,00,000 shares issued.
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.
- 20,00,000 shares issued.
1988
- 45,00,000 shares issued.
1989
- 97,00,000 shares issued.
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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.
- 66,00,000 shares issued.
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.
- 50,00,000 shares issued.
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
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=0CB4Q9QEwBQ -
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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
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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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