GET TI NG TH ER E FIR ST IS A TRU LY SPECI A L FE E LI NG

Annual Report2011-12

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First is not what comes before second, it’s what paves the way for it. And as IDBI Bank celebrates

its year of �rsts, it humbly acknowledges and pays tribute to the exemplary personalities that

have inspired them to do so.

IDBI Bank Limited. Regd. O�ce: IDBI Tower, WTC Complex, Cu�e Parade, Mumbai – 400 005. Toll Free No: 1800-22-1070 (MTNL/BSNL) and 1800-200-1947 (Others). www.idbi.com. Follow us on http://www.twitter.com/idbi_bank and http://www.facebook.com/IDBIBank.

www.idbi.com.

Patanjali was the �rst compiler of the ‘Yoga Sutras’

an important collection of aphorisms onYoga practice.

Swami Dayanand Saraswati was the �rst founder of

Arya Samaj.Michael Faraday was the �rst

to discover the electromagnetic induction, diamagnetism and

electrolysis.

James Watt was the �rst to invent the modern practical

steam engine.

Alexander Graham Bell was the �rst to invent the practical telephone.

Sir Isaac Newton was the �rst to discover gravitational

force and established the three Universal Laws

of Motion.

Chanakya was the �rst to have authored the ancient

Indian political treatise called Arthashastra.

Arya Bhatta was the �rst to invent zero.

J. C. Bose invented the crescograph.

Johannes Gutenburg was the �rst European to use

movable type printing, in around 1439.

Nicholas Copernicus was the �rst to invent the

Copernican Model of the Solar System.

Rabindranath Tagore was the �rst Non-European to

win the Nobel Prize in Literature in 1913.

Raja Ram Mohan Roy was one of the �rst founders of

Brahmo Samaj.

Dadasaheb Phalke was the �rst Indian to make a full length feature �lm named

Raja Harishchandrain 1913.

Annual R

epo

rt 2011-12

dm{f©H$ [anmoQ>© Annual Report: 2011-12

1 {ZXoeH$m| H$s [anmoQ>© à~§Y {ddoMZm Ed§ {díbofU

11

13 H$mamo~ma g‘rjm

22 Omo{I‘ à~§Y

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33 gyMZm àm¡Úmo{JH$s

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boIo

83 ~¢H$ Ho$ boIo

155 g‘o{H$V boIo

5 Directors’ Report

Management Discussion & Analysis

49 Business Environment

51 Business Review

60 Risk Management

62 Management, Controls & Systems

69 Information Technology

70 Corporate Governance

Accounts

83 Accounts of the Bank

155 Consolidated Accounts

CONTENTS

{df¶ gyMr

AmB©S>r~rAmB© ~¢H$ {b{‘Q>oS> IDBI BANK LIMITED

{ZXoeH$ ԤS>b BOARD OF DIRECTORS

Executive Directors

Shri R. M. Malla, CMD

Shri B. K. Batra, DMD

Government Directors

Shri Sunil SoniShri P. K. Chaudhery

Independent Directors

Shri P. S. ShenoyShri Subhash TuliShri S. RaviShri Ninad Karpe

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ

¬¸£ˆÅ¸£ú ¢›¸™½©¸ˆÅ

¬¨¸÷¸¿°¸ ¢›¸™½©¸ˆÅ

/As on July 07, 2012)

Chief Financial Officer

Shri P. Sitaram

Company Secretary

Shri Pawan Agrawal

Statutory Auditors

Chokshi & ChokshiChartered Accountants, Mumbai

S. P. Chopra & Co.Chartered Accountants, New Delhi

lr nr. Eg. eoZm°¶Shri P. S. Shenoy

lr gw^mf VwbrShri Subhash Tuli

lr gwZrb gmoZrShri Sunil Soni

lr àXrn Hw$‘ma Mm¡YarShri Pradeep Kumar Chaudhery

lr Ama. E‘. ‘ëbmShri R. M. Malla

lr ~r. Ho$. ~ÌmShri B. K. Batra

{ZXoeH$ ԤS>b BOARD OF DIRECTORS

Shri S. Ravilr Eg. {d

Shri Ninad Karpelr

lr Ama. E‘. ‘ëbm Shri R. M. Malla

(Aܶj Ed§ à~§Y {ZXoeH$ Chairman & Managing Director)

Dear Shareholders,

On behalf of the Board of Directors and the Management

Team of IDBI Bank, I am very happy to present the Bank’s

Annual Report for the Financial Year 2011-12.

The year just past has been a diffi cult year for the Indian

Economy in general and for the banking sector in particular.

The turbulent global economic conditions, induced by

the economic crisis and recessionary conditions in the

European economy presented fresh challenges to the Indian

economy. On the domestic front, India was confronted with

rising infl ationary pressures – to contain which the policy

rate had to be hiked several times. To add to the woes,

there was a marked slowdown in the industrial production

driven by the subdued overseas demand for exports and

slow growth in new orders. The investment climate, which

directly impinges on the business of the banking sector,

also remained subdued.

Notwithstanding these concerns, your Bank continued to

perform well in FY 2011-12. Your Bank witnessed healthy

growth in all its business and profi tability parameters

during the last fi nancial year including highest ever profi t

achieved in FY 2012. Our belief in “Banking for All” has

seen us undertake various initiatives to expand our reach

and presence across the expanse of this great country,

as also across the entire range of banking products and

services. The branch network of your Bank has signifi cantly

expanded allowing us to serve more customers.

A number of awards and recognitions have been bestowed

on your Bank in cognizance of its achievements. Your

Bank is currently one of the largest banks in the country

with a broad network of branches and ATMs. Even on the

technological front, your Bank has continued to keep pace

with the changing times and introduced several customer

friendly initiatives in a bid to serve our customers better.

Over the last few years, your Bank has undergone a

number of structural and organizational changes in its

transformation from an apex DFI into a universal commercial

‚š¡¸®¸ ‡¨¸¿ œÏ¸¿š¸ ¹›¸™½©¸ˆÅ ˆÅú ˆÅ¥¸Ÿ¸ ¬¸½ / From the CMD’s Desk

¹œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸½,

‚¸ƒÄ”ú¸ú‚¸ƒÄ ¸ÿˆÅ ˆ½Å ¹›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ‚¸¾£ œÏ¸¿š¸›¸ ’úŸ¸ ˆÅú ‚¸½£ ¬¸½ ¸ÿˆÅ ˆÅú ¹¨¸î¸ú¡¸ ¨¸«¸Ä 2011-12 ˆÅú ¨¸¸¹«¸ÄˆÅ ¹£œ¸¸½’Ä œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸º¸½ ‚÷¡¸¿÷¸ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾.

‚ž¸ú-‚ž¸ú Š¸º{¸£¸ ¡¸í ¬¸¸¥¸ ‚¸Ÿ¸ ÷¸¸¾£ œ¸£ ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ‚¸¾£ ‰}¸¸¬¸ ÷¸¸¾£ œ¸£ ¸ÿ¹ˆ¿ÅŠ¸ ¸Š¸÷¸ ˆ½Å ¹¥¸‡ ¸”õ¸ ˆÅ¹“›¸ £í¸. ¡¸»£¸½œ¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ Ÿ¸Ê ‚¸‡ ‚¸¹˜¸ÄˆÅ ¬¸¿ˆÅ’ ‚¸¾£ Ÿ¸¿™ú ˆ½Å ˆÅ¸£μ¸ ¨¸¾¹æ¸ˆÅ ‚¸¹˜¸ÄˆÅ œ¸¹£™¼©¡¸ ¹›¸£¸©¸¸¸›¸ˆÅ í¸½ Š¸¡¸¸, ¹¸¬¸ˆ½Å ¸¥¸÷¸½ ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆ½Å ¬¸Ÿ¸®¸ ›¸ƒÄ ¸º›¸¸¾¹÷¸¡¸¸Â „ž¸£ ˆÅ£ ‚¸ƒô¿. ‹¸£½¥¸» Ÿ¸¸½¸½Ä œ¸£ ž¸¸£÷¸ ˆÅ¸½ ¸õ÷¸½ ¬ûÅú¹÷¸ˆÅ¸£ú ™¸¸¨¸¸Ê ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ˆÅ£›¸¸ œ¸”õ¸ ‚¸¾£ ƒ›¸ œ¸£ ‚¿ˆºÅ©¸ ¥¸Š¸¸›¸½ ˆ½Å ¹¥¸‡ ˆÅƒÄ ¸¸£ ›¸ú¹÷¸Š¸÷¸ ™£Ê ¸õ¸›¸ú œ¸”õú¿. ¡¸íú ›¸íú¿, ¬¸º¬÷¸ ¹›¸¡¸¸Ä÷¸ Ÿ¸¸ÂŠ¸ ‚¸¾£ ›¸‡ ‚¸™½©¸¸Ê Ÿ¸Ê Ÿ¸¿™ ¨¸¼¹Ö ˆ½Å ¸¥¸÷¸½ ‚¸¾Ô¸¸½¹Š¸ˆÅ „÷œ¸¸™›¸ Ÿ¸Ê ž¸ú „¥¥¸½‰¸›¸ú¡¸ ¹Š¸£¸¨¸’ ‚¸ƒÄ. ¸ÿ¹ˆ¿ÅŠ¸ ®¸½°¸ ˆ½Å ˆÅ¸£¸½¸¸£ œ¸£ ¬¸úš¸¸ ‚¬¸£ ”¸¥¸›¸½ ¨¸¸¥¸¸ ¹›¸¨¸½©¸ Ÿ¸¸í¸¾¥¸ ž¸ú “¿”¸ íú £í¸.

ƒ›¸ í¸¥¸¸÷¸¸Ê ˆ½Å ¸¸¨¸¸»™ ‚¸œ¸ˆ½Å ¸ÿˆÅ ›¸½ ¹¨¸î¸ú¡¸ ¨¸«¸Ä 2011-12 ˆ½Å ™¸¾£¸›¸ ž¸ú ¸½í÷¸£ ̂ Ÿ¡¸Ä-¹›¸«œ¸¸™›¸ ¸¸£ú £‰¸¸. ¹¨¸Š¸÷¸ ¹¨¸î¸ú¡¸ ̈ ¸«¸Ä ̂ ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¸ÿˆÅ ›¸½ ˆÅ¸£¸½¸¸£ ¨¸ ¥¸¸ž¸œÏ™÷¸¸ ¬¸¿¸¿š¸ú ¬¸ž¸ú Ÿ¸¸›¸™¿”¸Ê Ÿ¸Ê {¸¸½£™¸£ ¬¸¿¨¸¼¹Ö ™¸Ä ˆÅú ‚¸¾£ ¹¨¸î¸ú¡¸ ¨¸«¸Ä 2012 Ÿ¸Ê ‚¸ ÷¸ˆÅ ˆÅ¸ ¬¸¸¬¸½ ‚¹š¸ˆÅ Ÿ¸º›¸¸ûŸ í¸¹¬¸¥¸ ¹ˆÅ¡¸¸. `¬¸ž¸ú ˆ½Å ¹¥¸‡ ¸ÿ¹ˆ¿ÅŠ¸' ˆ½Å Ÿ¸»¥¸ Ÿ¸¿°¸ œ¸£ ‚œ¸›¸½ ¹¨¸æ¸¸¬¸ ˆ½Å ¸»÷¸½ ퟸ ƒ¬¸ Ÿ¸í¸›¸ ™½©¸ ˆ½Å í£ ¹í¬¬¸½ ÷¸ˆÅ ‚œ¸›¸ú œ¸íºÂ¸ ¸õ¸ ¬¸ˆ½Å, ¬¸¸˜¸ íú ¸ÿ¹ˆ¿ÅŠ¸ „÷œ¸¸™¸Ê ¨¸ ¬¸½¨¸¸‚¸Ê ˆÅú ¬¸Ÿ¸ŠÏ ª¼¿‰¸¥¸¸ œÏ™¸›¸ ˆÅ£ ¬¸ˆ½Å. ‚¸œ¸ˆ½Å ¸ÿˆÅ ˆ½Å ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ ˆÅ¸ „¥¥¸½‰¸›¸ú¡¸ ¹¨¸¬÷¸¸£ íº‚¸, ¹¸¬¸ˆ½Å ¸¥¸÷¸½ ퟸ ‚¹š¸ˆÅ ¬¸½ ‚¹š¸ˆÅ ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸½¨¸¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸Ÿ¸˜¸Ä í¸½ ¬¸ˆ½Å.

‚¸œ¸ˆ½Å ¸ÿˆÅ ˆÅú „œ¸¥¸¹š¸¡¸¸Ê ˆÅ¸½ ™½‰¸÷¸½ íº‡ ƒ¬¸½ ˆÅƒÄ ¬¸ŸŸ¸¸›¸¸Ê ¨¸ œ¸º£¬ˆÅ¸£¸Ê ¬¸½ ›¸¨¸¸{¸¸ Š¸¡¸¸. ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê ‚¸œ¸ˆÅ¸ ¸ÿˆÅ ™½©¸ ˆ½Å „›¸ ¬¸¸¬¸½ ¸”õ½ ¸ÿˆÅ¸Ê Ÿ¸Ê ¬¸½ ‡ˆÅ í¾,¹¸›¸ˆ½Å œ¸¸¬¸ ©¸¸‰¸¸‚¸Ê ¨¸ ‡’ú‡Ÿ¸¸Ê ˆÅ¸ ¨¡¸¸œ¸ˆÅ ›¸½’¨¸ˆÄÅ í¾. ¡¸í¸Â ÷¸ˆÅ ¹ˆÅ œÏ¸¾Ô¸¸½¹Š¸ˆÅú ˆ½Å Ÿ¸¸½¸½Ä œ¸£ ž¸ú ‚¸œ¸ˆ½Å ¸ÿˆÅ ›¸½ ¸™¥¸÷¸½ ¬¸Ÿ¸¡¸ ˆ½Å ¬¸¸˜¸ ¸¥¸÷¸½ íº‡ ˆÅƒÄ ŠÏ¸íˆÅ ‚›¸ºˆ»Å¥¸ œ¸í¥¸ ˆÅ¸¡¸Ä ¹ˆÅ‡ ÷¸¸¹ˆÅ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆÅú ‚¸¾£ ž¸ú ¸½í÷¸£ ¿Š¸ ¬¸½ ¬¸½¨¸¸ ˆÅú ¸¸ ¬¸ˆ½Å.

‚¸œ¸ˆ½Å ¸ÿˆÅ ›¸½ ¹¨¸Š¸÷¸ ¨¸«¸¸½ô Ÿ¸Ê ‚œ¸›¸½ ˆÅ¸½ ©¸ú«¸Ä ¹¨¸ˆÅ¸¬¸ ¹¨¸î¸ú¡¸ ¬¸¿¬˜¸¸ ¬¸½ ¡¸»¹›¸¨¸¬¸Ä¥¸ ¨¸¸¹μ¸¹¡¸ˆÅ ¸ÿˆÅ ˆ½Å ³œ¸ Ÿ¸Ê ³Åœ¸¸¿÷¸¹£÷¸ ˆÅ£÷¸½ íº‡ ˆÅƒÄ ¬¸¿£¸›¸¸÷Ÿ¸ˆÅ ¨¸ ¬¸¿Š¸“›¸¸÷Ÿ¸ˆÅ œ¸¹£¨¸÷¸Ä›¸ ¹ˆÅ‡ íÿ. ƒ¬¸½ ™½‰¸÷¸½ íº‡ ‡½¬¸½ ›¸‡

bank. A need for a new Vision and Mission Statement was

felt which would refl ect the Bank’s commitment towards

enhancing value for all its stakeholders. The ethos is amply

refl ected by the new vision statement of your Bank “To be

the most preferred and trusted bank enhancing value for

all stakeholders”. Accordingly, a new Mission Statement

has been crafted which delineates the strategic goals for

translating the vision into reality.

The credit for the growing business of your Bank goes to all

my colleagues across various verticals and functions, who

have committed themselves to deliver the best banking

services to our customers, so that your Bank can achieve

its vision of being a fi nancial conglomerate that provides

one-stop fi nancial solutions and enhances value for all its

stakeholders.

The outlook for growth of the Indian economy is indeed

challenging owing to the continued stress in advanced

economies. However, India remains one of the fastest

growing economies in the world. For FY 2012-13, the main

focus for India is to return to the high growth trajectory

through appropriate policy changes to induce growth in

various sectors of the economy, especially the industrial

sector.

In the coming year, your Bank aims to strategically optimise

business growth & profi tability parameters to refl ect

improvement on overall basis. The focus of the strategies

would be on raising low cost deposits, boost credit

growth, enhance fee based income and minimize costs to

enhance profi tability. Concerted efforts will be undertaken

to achieve Priority Sector Lending targets & sub targets.

By enlarging our network and exploring various branch

banking alternatives, we will continue to focus on fi nancial

inclusion. By exploring alternative sources and cross selling

opportunities, your Bank would look towards enhancing

its fee income. On the assets front, your Bank will adopt

strategies to expand retail portfolio, while maintaining

prominent position in corporate & infrastructure fi nancing.

Further, the focus would continue on improving asset

¬¸¿ˆÅ¥œ¸ ¨¸ š¡¸½¡¸ ˆÅ˜¸›¸ ¸›¸¸‡ ¸¸›¸½ ˆÅú {¸³Å£÷¸ Ÿ¸í¬¸»¬¸ ˆÅú Š¸ƒÄ, ¹¸›¸¬¸½ ¸ÿˆÅ ˆÅú ‚œ¸›¸½ ¬¸ž¸ú ‚¿©¸š¸¸£ˆÅ¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ¨¸¼¹Ö ˆÅ£›¸½ ˆÅú œÏ¹÷¸¸Ö÷¸¸ ¹™‰¸¥¸¸ƒÄ ™½. ƒ¬¸ ™©¸Ä›¸ ˆÅ¸½ ¸ÿˆÅ ˆ½Å ›¸‡ ¬¸¿ˆÅ¥œ¸ ˆÅ˜¸›¸ Ÿ¸Ê ¸”õú ¬¸£¥¸÷¸¸ ¬¸½ ¸¡¸¸¿ ¹ˆÅ¡¸¸ Š¸¡¸¸ í¾À ``¬¸ž¸ú ‚¿©¸š¸¸£ˆÅ¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ¨¸¼¹Ö ˆÅ£÷¸½ íº‡ ¬¸¸¬¸½ œ¸¬¸›™ú™¸ ‚¸¾£ ¹¨¸©¨¸¬¸›¸ú¡¸ ¸ÿˆÅ ¸›¸›¸¸.'' ÷¸™Ã›¸º¬¸¸£ ›¸‡ š¡¸½¡¸ ˆÅ˜¸›¸ ˆÅú ž¸ú £¸›¸¸ ˆÅú Š¸ƒÄ, ¸¸½ ¬¸¿ˆÅ¥œ¸ ˆÅ¸½ íˆÅúˆÅ÷¸ Ÿ¸Ê ¸™¥¸›¸½ ˆ½Å £μ¸›¸ú¹÷¸ˆÅ ¥¸®¡¸ ˆÅ¸½ œÏ¹÷¸¹¸¿¹¸÷¸ ˆÅ£÷¸¸ í¾.

‚¸œ¸ˆ½Å ¸ÿˆÅ ˆ½Å ¸õ÷¸½ ˆÅ¸£¸½¸¸£ ˆÅ¸ ª½¡¸ ¹¨¸¹ž¸››¸ ¨¸¹’Ĉť¸¸Ê ‚¸¾£ ˆÅ¸¡¸Ä®¸½°¸¸Ê Ÿ¸Ê £÷¸ Ÿ¸½£½ ¬¸ž¸ú ¬¸¸¹˜¸¡¸¸Ê ˆÅ¸½ ¸¸÷¸¸ í¾, ¹¸›í¸Ê›¸½ ퟸ¸£½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ „÷ˆ¼Å«’ ¸ÿ¹ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿¿ ™½›¸½ ˆ½Å ¹¥¸‡ ‰¸º™ ˆÅ¸½ ¬¸Ÿ¸¹œ¸Ä÷¸ ˆÅ£ ¹™¡¸¸ ÷¸¸¹ˆÅ ‚¸œ¸ˆÅ¸ ¸ÿˆÅ ‡ˆÅ ‡½¬¸½ ¹¨¸î¸ú¡¸ Ÿ¸í¸¬¸¿Š¸“›¸ ¸›¸›¸½ ˆÅ¸ ¬¸¿ˆÅ¥œ¸ œ¸»£¸ ˆÅ£ ¬¸ˆ½Å ¸¸½ ¬¸ž¸ú œÏˆÅ¸£ ˆ½Å ¹¨¸î¸ú¡¸ ¬¸Ÿ¸¸š¸¸›¸ ‡ˆÅ íú ¸Š¸í „œ¸¥¸š¸ ˆÅ£¸÷¸½ íº‡ ‚œ¸›¸½ ¬¸ž¸ú ‚¿©¸š¸¸£ˆÅ¸Ê ˆ½Å Ÿ¸»¥¡¸ Ÿ¸Ê ¨¸¼¹Ö ˆÅ£½.

„››¸÷¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê Ÿ¸Ê ¬¸÷¸÷¸ ™¸¸¨¸¸Ê ˆ½Å ¸¥¸÷¸½ ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆÅ¸ ž¸¸¨¸ú ¹¨¸ˆÅ¸¬¸ ¨¸¸¬÷¸¨¸ Ÿ¸Ê ¸º›¸¸¾÷¸úœ¸»μ¸Ä œÏ÷¸ú÷¸ í¸½ £í¸ í¾. ÷¸˜¸¸¹œ¸ ž¸¸£÷¸ ‚¸ ž¸ú ™º¹›¸¡¸¸ ˆÅú ÷¸½{¸ú ¬¸½ ¸õ÷¸ú ‚˜¸Ä¨¡¸¨¸¬˜¸¸‚¸Ê Ÿ¸Ê ¬¸½ ‡ˆÅ ¸›¸¸ íº‚¸ í¾. ¹¨¸î¸ú¡¸ ¨¸«¸Ä 2012-13 ˆ½Å¹¥¸‡ ž¸¸£÷¸ ˆÅ¸ Ÿ¸º‰¡¸ š¡¸¸›¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆ½Å ¹¨¸¹ž¸››¸ ®¸½°¸¸Ê, ¹¨¸©¸½«¸ ³œ¸ ¬¸½ ‚¸¾Ô¸¸½¹Š¸ˆÅ ®¸½°¸ Ÿ¸Ê ¨¸¼¹Ö ™¸Ä ˆÅ£›¸½ ˆ½Å ¹¥¸‡ „¹¸÷¸ ›¸ú¹÷¸Š¸÷¸ œ¸¹£¨¸÷¸Ä›¸¸Ê ˆ½Å ¸¹£‡ „¸ ¹¨¸ˆÅ¸¬¸ ™£ ˆÅú £¸í œ¸£ ¥¸¸¾’›¸½ ˆÅú ‚¸½£ ˆÊŹÍ÷¸ í¸½Š¸¸.

‚¸›¸½ ¨¸¸¥¸½ ¨¸«¸Ä Ÿ¸Ê ‚¸œ¸ˆÅ¸ ¸ÿˆÅ ˆÅ¸£¸½¸¸£ ¨¸¼¹Ö ‚¸¾£ ¥¸¸ž¸œÏ™÷¸¸ Ÿ¸¸›¸™¿”¸Ê Ÿ¸Ê £μ¸›¸ú¹÷¸ˆÅ ³Åœ¸ ¬¸½ ƒ«’÷¸Ÿ¸ ¬÷¸£ œ¸£ œ¸íºÂ¸›¸¸ ¸¸í÷¸¸ í¾ ÷¸¸¹ˆÅ ¬¸Ÿ¸ŠÏ ‚¸š¸¸£ œ¸£ ¬¸ºš¸¸£ ¢™‰¸¸ƒÄ ™½ ¬¸ˆ½Å. ˆÅŸ¸ ¥¸¸Š¸÷¸ ¨¸¸¥¸ú ¸Ÿ¸¸£¸¹©¸¡¸¸Â œÏ¸œ÷¸ ˆÅ£›¸½, †μ¸ ¬¸¿¨¸¼¹Ö ˆÅ¸½ Š¸¹÷¸ ™½›¸½, ©¸º¥ˆÅ ‚¸š¸¸¹£÷¸ ‚¸¡¸ ¸õ¸›¸½ ‚¸¾£ ¥¸¸ž¸œÏ™÷¸¸ ¸õ¸›¸½ ˆ½Å ¹¥¸‡ ¥¸¸Š¸÷¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆÅú £μ¸›¸ú¹÷¸¡¸¸Ê œ¸£ {¸¸½£ ¹™¡¸¸ ¸¸ ‡Š¸¸. œÏ¸˜¸¹Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ ˆÅú „š¸¸¹£¡¸¸Ê ˆ½Å ¥¸®¡¸¸Ê ¨¸ „œ¸-¥¸®¡¸¸Ê ˆÅ¸½ í¸¹¬¸¥¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ ¬¸™Ã¹›¸«“ œÏ¡¸¸¬¸ ¹ˆÅ‡ ¸¸‡¿¿Š¸½. ›¸½’¨¸ˆÄÅ ˆÅ¸½ ¸õ¸ˆÅ£ ¨¸ ©¸¸‰¸¸ ¸ÿ¹ˆ¿ÅŠ¸ ˆ½Å ˆÅƒÄ ¹¨¸ˆÅ¥œ¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ¹¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸ œ¸£ š¡¸¸›¸ ™½›¸¸ ¸¸£ú £‰¸¸ ¸¸‡Š¸¸. ¨¸¾ˆÅ¦¥œ¸ˆÅ 踸½÷¸¸Ê ‚¸¾£ œ¸£¬œ¸£ ¹¸ÇÅú ˆ½Å ‚¨¸¬¸£¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ íº‡ ‚¸œ¸ˆÅ¸ ¸ÿˆÅ ‚œ¸›¸ú ©¸º¥ˆÅ ‚¸š¸¸¹£÷¸ ‚¸¡¸ ¸õ¸›¸¸ ¸¸í½Š¸¸. œ¸¹£¬¸¿œ¸¹î¸¡¸¸Ê ˆ½Å Ÿ¸¸½¸½Ä œ¸£ ‚¸œ¸ˆÅ¸ ¸ÿˆÅ ˆÅ¸Á£œ¸¸½£½’ ¨¸ ¸º¹›¸¡¸¸™ú ®¸½°¸ ¹¨¸î¸œ¸¸½«¸μ¸ ˆ½Å ®¸½°¸ Ÿ¸Ê ‚œ¸›¸¸ ™¸™¸¸ ̂ Ÿ¡¸Ÿ¸ £‰¸÷¸½ íº‡ ‰¸º™£¸ œ¸¸½’ÄûŸ½¹¥¸¡¸¸½ ¸õ¸›¸½ ̂ ½Å ¹¥¸‡ ž¸ú £μ¸›¸ú¹÷¸ ¸›¸¸‡Š¸¸. ¬¸¸˜¸ íú ›¸ƒÄ ¸»ˆÅ¸Ê ̂ Ÿ½ ¹›¸¡¸¿¹°¸÷¸ ̂ Å£›¸½ ̈ ¸ „¸÷¸£ ̈ ¸¬¸»¥¸ú ̂ ½Å ¹¥¸‡

‚š¡¸®¸ ‡¨¸¿ œÏ¸¿š¸ ¹›¸™½©¸ˆÅ ˆÅú ˆÅ¥¸Ÿ¸ ¬¸½ / From the CMD’s Desk

quality to control fresh slippages & higher recoveries. The

operational strategies would be adequately backed by the

policy strategies to ensure the objectives are met in a rapid

and sustainable manner.

It has been possible for your Bank to attain this stature

owing to your continued support and loyalty. We look

forward to continuing this treasured relationship with you

in our journey towards a better tomorrow.

With best wishes to you and your families,

Yours sincerely,

Mumbai R.M. Malla

April 21, 2012 Chairman & Managing Director

œ¸¹£¬¸¿œ¸¹î¸ Š¸ºμ¸¨¸î¸¸ ¬¸ºš¸¸£›¸½ í½÷¸º š¡¸¸›¸ ™½›¸¸ ¸¸£ú £‰¸½Š¸¸. œ¸¹£¸¸¥¸›¸¸÷Ÿ¸ˆÅ £μ¸›¸ú¹÷¸¡¸¸Â ˆÅ¸¡¸¸Ä¹›¨¸÷¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ „¹¸÷¸ ›¸ú¹÷¸Š¸÷¸ £μ¸›¸ú¹÷¸¡¸¸Â ¸›¸¸ƒÄ ¸¸‡¿¿Š¸ú ÷¸¸¹ˆÅ ÷¨¸¹£÷¸ ¨¸ ¨¡¸¨¸¦¬˜¸÷¸ ÷¸£úˆ½Å ¬¸½ ¥¸®¡¸ í¸¹¬¸¥¸ ¹ˆÅ‡ ¸¸ ¬¸ˆÊÅ.

‚¸œ¸ˆÅ¸ ¸ÿˆÅ ¡¸í Ÿ¸ºˆÅ¸Ÿ¸ ‚¸œ¸ˆ½Å ¬¸÷¸÷¸ ¬¸í¡¸¸½Š¸ ¨¸ ¹›¸«“¸ ˆ½Å ¸¥¸÷¸½ íú í¸¹¬¸¥¸ ˆÅ£ ¬¸ˆÅ¸ í¾. ‚¸©¸¸ í¾, ¸½í÷¸£ ˆÅ¥¸ ˆ½Å ¹›¸Ÿ¸¸Äμ¸ ˆÅú ¢™©¸¸ Ÿ¸Ê ퟸ¸£½ ƒ¬¸ ¬¸ûÅ£ Ÿ¸Ê ‚¸Š¸½ ž¸ú ‚¸œ¸ ¬¸¸˜¸ ™½÷¸½ £íÊŠ¸½.

‚¸œ¸ˆÅ¸½ ¨¸ œ¸¹£¨¸¸£ ˆÅ¸½ í¸¹™ÄˆÅ ©¸ºž¸ˆÅ¸Ÿ¸›¸¸‡¿¿.

‚¸œ¸ˆÅ¸,

Ÿ¸º¿¸ƒÄ ‚¸£.‡Ÿ¸. Ÿ¸¥¥¸¸21 ‚œÏ¾¥¸ 2012 ‚š¡¸®¸ ‡¨¸¿ œÏ¸¿š¸¹›¸™½©¸ˆÅ

‚š¡¸®¸ ‡¨¸¿ œÏ¸¿š¸ ¹›¸™½©¸ˆÅ ˆÅú ˆÅ¥¸Ÿ¸ ¬¸½ / From the CMD’s Desk

ퟸ¸£¸ ¬¸¿ˆÅ¥œ¸

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ퟸ¸£¸ š¡¸½¡¸

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• ˆÅŸ¸Ä¸¸¢£¡¸¸Ê ˆÅ¸½ ‚¢ž¸œÏ½¢£÷¸ ˆÅ£›¸½, ¢¨¸ˆÅ¢¬¸÷¸ ˆÅ£›¸½ ‚¸¾£ ˆÅŸ¸Ä“ ‡¨¸¿ œÏ¢÷¸¤¸Ö Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ, ¬¸¢ÇÅ¡¸ ‡¨¸¿ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ‚¸š¸¸¢£÷¸ ˆÅ¸¡¸Ä-¬¸¿¬ˆ¼Å¢÷¸ ˆÅ¸½ œÏ¸½÷¬¸¸¢í÷¸ ˆÅ£›¸¸

• ¢¨¸æ¸ ¬÷¸£ œ¸£ œ¸íº¿¸ ˆÅ¸½ ¤¸õ¸›¸¸

• í¢£÷¸ ¬¸¿£®¸ú ¤¸ÿˆÅ ¤¸›¸›¸½ ˆ½Å ¢¥¸‡ ¢›¸£¿÷¸£ œÏ¡¸¸¬¸ ˆÅ£›¸¸

O u r Vi s i o n

• To be the most preferred and trusted bank enhancing value for all stakeholders

O u r M i s s i o n

• Delighting customers with our excellent service and comprehensive suite of

best-in-class fi nancial solutions

• Touching more people’s lives with our expanding retail footprint while

maintaining our excellence in corporate and infrastructure fi nancing

• Continuing to act in an ethical, transparent and responsible manner, becoming

the role model for corporate governance

• Deploying world class technology, systems and processes to improve business

effi ciency and exceed customers’ expectations

• Encouraging a positive, dynamic and performance-driven work culture to

nurture employees, grow them and build a passionate and committed work force

• Expanding our global presence

• Relentlessly striving to become a greener bank

K. C. Jani S. Ananthakrishnan V. Kumar T. R. Bajalia R. M. Malla

Q>r‘ AmB©S>r~rAmB© ~¢H$ Team IDBI Bank

B. Ravindranath R. K. BansalB. K. Batra S. K. V. Srinivasan M. O. Rego

Q>r‘ AmB©S>r~rAmB© ~¢H$ Team IDBI Bank

Key Financials...

Low Cost-to-Income RatioEmployee productivity (Profit Per Employee)

Improving Cost-to-Income Ratio

Robust Growth in Business…

Deposits and Advances

Lean Organisation with Modern Technology PlatformResulting in Low Cost-to-Income Ratio

Financia l Year end: 31 Mar

(%)

1,400 1,3161,193

844842886

1,200

1,000

800

600

400

200

0Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

0

10

20

30

40

50

60

Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

42.5

49.3

40.2

35.2

39.1

Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

2400

2000

1600

1200

800

400

0

730

1124

16771805

2105

Deposits

Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

2000

1600

1200

800

400

0

8221034

1382

1571

1812

Advances

Financia l Year end: 31 Mar

(INR Bn) (INR Bn)

(INR’000)’000

AmB©S>r~rAmB© ~¢H$ {b{‘Q>oS> IDBI BANK LIMITED

…Growing Income and Profitability…

…and Improving Performance Indicators

(%) (%)

Key Financials...

75

60

45

30

15

0Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

66.664.1

45.6

27.222.9

25

20

15

10

5

0

7.38.6

10.3

16.5

20.3

Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

2.10 2.02

1.27

0.99

0.70

2.40

1.60

0.80

0.00Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

15.114.9

13.112.1

11.2

0

4

8

12

16

Mar-08 Mar-09 Mar-10 Mar-11 Mar-12

Financia l Year end: 31 Mar Financia l Year end: 31 Mar

Net Interest Income + Other Income

Financia l Year end: 31 Mar Financia l Year end: 31 Mar

Total Income Profit After Tax

Net Interest Margin Return on Equity

(INR Bn) (INR Bn)

*

AmB©S>r~rAmB© ~¢H$ {b{‘Q>oS> IDBI BANK LIMITED

IDBI Bank and ItzCash in association withMasterCard launched theFreedom Prepaid Card.

IDBI Bank launched a pilot project forUIDAI Aadhaar enrolment at the

Corporate Centre.

The year that was...

Former Hon'ble Union Finance Minister, Shri Pranab Mukherjeereceiving the Interim Dividend Cheque from

Shri R.M.Malla, CMD, IDBI Bank

AmB©S>r~rAmB© ~¢H$ {b{‘Q>oS> IDBI BANK LIMITED

Shri B.K.Batra, DMD, IDBI Bank receiving the award forDevelopment Finance-Led Poverty Reduction asalso the Best Website Award at the 35th ADFIAP

Annual Meeting in Istanbul.

IDBI Bank celebrating Hindi Divas at the Corporate Centre

Observance of Vigilance AwarenessWeek at Corporate Centre.

The year that was...

AmB©S>r~rAmB© ~¢H$ {b{‘Q>oS> IDBI BANK LIMITED

DIRECTORS’ REPORT

1

¹›¸™½©¸ˆÅ¸½¿ ˆÅú ¹£œ¸¸½’Ä À 2011-12

‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸½ 31 Ÿ¸¸¸Ä 2012 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ÷¸˜¸¸ œ¸¢£¸¸¥¸›¸¸Ê œ¸£ ‚œ¸›¸ú ¢£œ¸¸½’Ä œÏ¬÷¸º÷¸ ˆÅ£÷¸½ íº‡ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾. ¢¨¸î¸ú¡¸ ̈ ¸« Ä̧ 2011-12 ̂ ½Å ™ ¾̧£¸›¸ ‚¸œ¸ ½̂Å ¤ ÿ̧̂ Å ̂ ½Å ̂ Ÿ¡ Ä̧-¢›¸«œ¸¸™›¸ Ÿ Ȩ̂ ̂ ÅƒÄ Ÿ¸ ½̧¸ ½̧ô œ¸£ „¥¥ ½̧‰¸›¸ú¡¸ œÏŠ¸¢÷¸ ™½‰¸ú Š¸ƒÄ. ¬¸¸Ÿ¸¢£ˆÅ ›¸ú¢÷¸ Ÿ Ȩ̂ œ¸¢£¨¸÷ Ä̧›¸ ˆÅ£› ½̧, ©¸¸‰¸¸ › ½̧’¨¸ Ä̂Å ˆÅ¸ ¢¨¸¬÷¸¸£ ˆÅ£› ½̧, ¤ ½̧í÷¸£ ŠÏ¸íˆÅ ¬ ½̧̈ ¸¸ œ¸£ š¡¸¸›¸ Ê̂Å¢Í÷¸ ˆÅ£› ½̧ ÷¸˜¸¸ ¢¨¸¢©¸«’ ¬¨¸³Åœ¸ ˆÅú ¡¸ ½̧¸›¸¸‡¿¿ ÷ ¾̧¡¸¸£ ˆÅ£› ½̧ ¾̧¬¸ú ¤¸¸÷¸ Ȩ̂ ¬ ½̧ œÏŸ º̧‰¸ ¥¸¸ž¸œÏ™÷¸¸ ¬ ¿̧̂ ½Å÷¸ˆÅ Ȩ̂ Ÿ Ȩ̂ ¨ ¼̧¢Ö íºƒÄ. ‚¸œ¸ ½̂Å ¤ ÿ̧̂ Å › ½̧ ‚œ¸›¸ú ž¸ ¾̧Š¸ ½̧¢¥¸ˆÅ œ¸íºÂ¸ ¤¸õ̧ ˆÅ£ ‚ ¾̧£ ›¸¨¸ ½̧›Ÿ ½̧«¸ú ¡¸ ½̧¸›¸¸‡¿¿ ¨¸ ¬ ½̧̈ ¸¸‡¿¿ œÏ™¸›¸ ˆÅ£÷ ½̧ íº‡ ‚œ¸›¸¸ ŠÏ¸íˆÅ ‚¸š¸¸£ ¤¸õ̧ ¡¸¸. 31 Ÿ¸¸ Ä̧ 2012 ˆÅ ½̧ ‚¸œ¸ ½̂Å ¤ ÿ̧̂ Å ˆÅú º̂Å¥¸ ¸Ÿ¸¸£¸¢©¸¡¸ ¿̧ ‚ ¾̧£ ‚¢ŠÏŸ¸ ÇÅŸ¸©¸À 16.63% ‡¨ ¿̧ 15.32% ˆÅú ¨ ¼̧¢Ö ™ Ä̧ ˆÅ£÷ ½̧ íº‡ ` 2,10,493 ˆÅ£ ½̧”õ ‡¨ ¿̧ ` 1,81,158 ˆÅ£ ½̧”õ £í½. ¬¸Ÿ¸ú®¸¸š¸ú›¸ ‚¨¸¢š¸ ½̂Å ™ ¾̧£¸›¸ ‚¸œ¸ ½̂Å ¤ ÿ̧̂ Å ½̂Å ˆÅ¸¡ Ä̧-¢›¸«œ¸¸™›¸ ˆÅú œÏŸ º̧‰¸ ¢¨¸© ½̧«¸÷¸¸‡¿¿ ÷¸¸¢¥¸ˆÅ¸ 1 Ÿ Ȩ̂ œÏ¬÷ º̧÷¸ ˆÅú Š¸ƒÄ íÿ.

÷¸¸¢¥¸ˆÅ¸ 1 À ¢¨¸î¸ú¡¸ ¢¨¸©¸½«¸÷¸¸‡¿¿ ¢¨¸¨¸£μ¸ (` ˆÅ£¸½”õ)¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê 2010-11 2011-12œ¸»¿¸ú 984.6 1,278.4¢£{¸¨¸Ä ‚¸¾£ ‚¢š¸©¸½«¸ 13,582.0 18,148.7¸Ÿ¸¸£¸¢©¸¡¸¸¿ 1,80,485.8 2,10,492.6„š¸¸£ £¸¢©¸¡¸¸¿ 51,569.6 53,477.6‚›¡¸ ™½¡¸÷¸¸‡¿¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸ 6,754.8 7,439.9ˆºÅ¥¸ ™½¡¸÷¸¸‡¿¿ 2,53,376.8 2,90,837.2›¸ˆÅ™ú ‚¸¾£ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ©¸½«¸

19,559.0 15,090.2

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1,207.0 2,967.4

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7,243.5 8,445.8

ˆºÅ¥¸ œ¸¢£¬¸¿œ¸¢î¸¡¸¸¿ 2,53,376.8 2,90,837.2ƒ¬¸ ‚¨¸¢š¸ Ÿ¸Ê 2010-11 2011-12ˆºÅ¥¸ ‚¸¡¸ 20,684.5 25,488.7º̂Å¥¸ ¨¡¸¡¸ (œÏ¸¨¸š¸¸›¸ Ž ½̧”õ̂ Å£) 16,526.6 21,432.5

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¥¸¸ž¸ ‡¨¸¿ ¢¨¸¢›¸¡¸¸½Š¸¢¨¸î¸ú¡¸ ¨¸«¸Ä ‚œÏ¾¥¸ 2011-Ÿ¸¸¸Ä 2012 ˆ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ׸£¸ ‚¢¸Ä÷¸ ¬¸ˆÅ¥¸ ‚¸¡¸ ` 25,488.7 ˆÅ£¸½”õ £íú, ¢¸¬¸Ÿ¸Ê ` 23,369.9 ˆÅ£¸½”õ ˆÅú ¤¡¸¸¸ ‚¸¡¸ ÷¸˜¸¸ ` 2,118.8 ˆÅ£¸½”õ ˆÅú ‚›¡¸ ‚¸¡¸ ©¸¸¢Ÿ¸¥¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2011-12 ˆ½Å ™¸¾£¸›¸ ` 18,825.1 ˆÅ£¸½”õ ˆ½Å ¤¡¸¸¸ ¨¡¸¡¸ ÷¸˜¸¸ ` 2,607.5 ˆÅ£¸½”õ ˆ½Å œ¸¢£¸¸¥¸›¸ ¨¡¸¡¸ ˆ½Å ¸¥¸÷¸½ œÏ¸¨¸š¸¸›¸ ¨¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ ˆºÅ¥¸ ¨¡¸¡¸ ` 21,432.5 ˆÅ£¸½”õ í¸½ Š¸¡¸¸. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆºÅ¥¸ ` 2,024.6 ˆÅ£¸½”õ ˆ½Å œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸½ Š¸¡¸½, ¢¸›¸Ÿ¸Ê ‚©¸¸½š¡¸ ‡¨¸¿ ¬¸¿¢™Šš¸ †μ¸¸Ê ‚¸¾£ ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ ` 591.9 ˆÅ£¸½”õ, œ¸º›¸¬¸ô£¢¸÷¸ œ¸¢£¬¸¿œ¸¢î¸¡¸¸Ê ˆ½Å ¢¥¸‡ ` 263.7 ˆÅ£¸½”, Ÿ¸¸›¸ˆÅ œ¸¢£¬¸¿œ¸¢î¸¡¸¸½¿ ˆ½Å ¢¥¸‡ ¨¸¼¢Ö©¸ú¥¸ ¢¨¸¨¸½ˆÅœ¸»μ¸Ä œÏ¸¨¸š¸¸›¸ í½÷¸º ` 231.9 ˆÅ£¸½”õ ÷¸˜¸¸ ˆÅ£ ˆ½Å ¢¥¸‡ ` 598.1 ˆÅ£¸½”õ ©¸¸¢Ÿ¸¥¸ íÿ. ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2011-12 ˆ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ˆÅ£-œ¸»¨¸Ä ¥¸¸ž¸ ` 2,629.7 ˆÅ£¸½”õ £í¸. ˆÅ£¸š¸¸›¸ ˆ½Å ¢¥¸‡ ` 598.1 ˆÅ£¸½”õ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ˆÅ£-œ¸ä¸¸÷¸Ã ¥¸¸ž¸ ` 2,031.6 ˆÅ£¸½”õ £í¸. ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ׸£¸ ‚›¸ºŸ¸¸½¢™÷¸ ˆÅ£-œ¸ä¸¸÷¸Ã ¥¸¸ž¸ ˆÅ¸ ¢¨¸¢›¸¡¸¸½Š¸ ÷¸¸¢¥¸ˆÅ¸ 2 Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾.

÷¸¸¢¥¸ˆÅ¸ 2 À ¥¸¸ž¸ ˆÅ¸ ¢¨¸¢›¸¡¸¸½Š¸¢¨¸¨¸£μ¸ (` ˆÅ£¸½”õ)¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê 2010-11 2011-12¨¸«¸Ä ˆ½Å ¢¥¸‡ ¢›¸¨¸¥¸ ¥¸¸ž¸ 1,650.3 2031.6‚¸Š¸½ ¥¸¸¡¸¸ Š¸¡¸¸ ¥¸¸ž¸ 479.1 615.0¢¨¸¢›¸¡¸¸½Š¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ ¥¸¸ž¸

2,129.4 2646.6

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100.0 250.0

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615.0 672.6

* ƒÄ¦Æ¨¸’ú ©¸½¡¸£¸Ê œ¸£ ¥¸¸ž¸¸¿©¸ Ÿ¸Ê 2011-12 ˆ½Å ™¸¾£¸›¸ œÏ¢÷¸ ©¸½¡¸£ ` 2/- ˆÅú ™£ ¬¸½ ‚™¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¿÷¸¢£Ÿ¸ ¥¸¸ž¸¸¿©¸ ©¸¸¢Ÿ¸¥¸ í¾.** ¥¸¸ž¸¸¿©¸ œ¸£ ˆÅ£ Ÿ¸Ê 2011-12 ˆ½Å ™¸¾£¸›¸ ‚¿÷¸¢£Ÿ¸ ¥¸¸ž¸¸¿©¸ œ¸£ ‚™¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˆÅ£ ©¸¸¢Ÿ¸¥¸ í¾.

2

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¬˜¸¸›¸ À Ÿ¸º¿¤¸ƒÄ ‚¸£.‡Ÿ¸. Ÿ¸¥¥¸¸¢™›¸¸¿ˆÅ À 21 ‚œÏ¾¥¸ 2012 ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ

5

The Board of Directors of your Bank takes pleasure in presenting its Report on the business and operations of your Bank for the fi nancial year ended March 31, 2012.

During the fi nancial year 2011-12, the performance of your Bank has shown considerable growth on different fronts driven by strategic policy initiatives; expansion in branch network, focus on improved customer service delivery, superior product characteristics, which has resulted in improvement in key profi tability indicators. Your Bank was able to widen its customer base both by expanding its outreach, as also by providing a range of innovative products and services. As on March 31, 2012 aggregate deposits and advances of your Bank touched ` 2,10,493 crore and ` 1,81,158 crore refl ecting a growth of 16.63% and 15.32%. The Performance highlights of your Bank for the period under review are presented in Table 1.

Table 1 : Financial Highlights

Particulars (` in Crore)

As at year-end 2010-11 2011-12

Capital 984.6 1,278.4

Reserves & Surplus 13,582.0 18,148.7

Deposits 1,80,485.8 2,10,492.6

Borrowings 51,569.6 53,477.6

Other Liabilities & Provisions 6,754.8 7,439.9

Total Liabilities 2,53,376.8 2,90,837.2

Cash & Balances with RBI 19,559.0 15,090.2

Balances with Banks and Money at Call & Short Notice

1,207.0 2,967.4

Investments 68,269.2 83,175.4

Advances 1,57,098.1 1,81,158.4

Fixed & Other Assets 7,243.5 8,445.8

Total Assets 2,53,376.8 2,90,837.2

For the period 2010-11 2011-12

Total Income 20,684.5 25,488.7

Total Expenses (other than provisions)

16,526.6 21,432.5

Provisions (other than tax) 1,876.9 1,426.5

Profi t Before Tax 2,281.0 2,629.7

Provision for Tax* 630.7 598.1

Profi t After Tax 1,650.3 2,031.6

* Net of Current Income Tax and Deferred Income Tax

Profi t and Appropriations

During the fi nancial year April 2011 - March 2012, gross income of your Bank increased to ` 25,488.7 crore with contribution of interest income at ̀ 23,369.9 crore and other income at ` 2,118.8 crore. Interest expenses of ` 18,825.1 crore and operational expenses of ` 2,607.5 crore, led to total expenditure, excluding provisions and contingencies, of ` 21,432.5 crore during FY 2011-12. Total provisions during the year were at ` 2,024.6 crore, which includes ` 591.9 crore towards provision for bad & doubtful debts and investments, ` 263.7 crore towards restructured assets, ` 231.9 crore towards incremental prudential provisions for standard assets, and ` 598.1crore towards tax. The Profi t before Tax (PBT) of your Bank during the FY 2011-12 stood at ` 2,629.7 crore. After making a provision of ` 598.1 crore towards taxation, Profi t after Tax (PAT) amounted to ` 2,031.6 crore. The appropriation of PAT as approved by the Board of Directors is given in Table 2.

Table 2 : Appropriation of Profi ts

Particulars (` in Crore)

As at year-end 2010-11 2011-12

Net Profi t for the year 1,650.3 2,031.6

Profi t brought forward 479.1 615.0

Profi t available for Appropriations

2,129.4 2,646.6

Appropriations 2010-11 2011-12

Transferred to Statutory Reserve

413.0 507.9

Transferred to Capital Reserve 1.5 17.0

Transferred to General Reserve

600.0 750.0

Transferred to Special Reserve created and maintained u/s 36(1)(viii) of IT Act, 1961

100.0 250.0

Dividend

- Equity Shares* 344.6 388.7

- Tax on Dividend** 55.3 60.3

Balance of Profi t carried toBalance Sheet

615.0 672.6

*Dividend on equity shares includes interim dividend of ` 2/- per share paid during 2011-12.

**Tax on dividend includes tax on interim dividend paid during 2011-12.

Directors’ Report : 2011-12

6

For each share with face value of ` 10, Earning Per Share (EPS) during the year stood at ` 20.6 and Book Value Per Share stood at ` 137.24 as at end-March 2012. The Directors have pleasure in recommending dividend at 35% (including 20% paid on interim basis) on the fully paid-up equity share capital for the fi nancial year 2011-12.

Capital Adequacy

Your Bank is Basel-II compliant and the Capital to Risk weighted Assets Ratio (CRAR) is computed in adherence to norms prescribed by RBI in this regard. Credit Risk is computed using the Standardised Approach, Market Risk is measured by using Duration Standardised Approach and Operational Risk measure is Basic Indicator Approach. During FY 2011-12, the equity shareholding of Government of India has increased to 70.52% as at end-March 2012 through infusion of fresh equity capital to the extent of ` 810 crore and conversion of Tier I Bonds of ` 2,130.5 crore into equity. Against the stipulated RBI norm of 9% for total CRAR and 6% for core CRAR, your Bank’s total CRAR worked out to 14.58 % with Tier-I CRAR of 8.38 % as at end-March 2012.

Vision and Mission Statement

Over the years, your Bank has undergone a number of structural and organizational changes while transforming itself into a universal commercial bank. The journey of your Bank has always encompassed enhancing value for all its stakeholders. In order to refl ect of the current ethos of your Bank, new Vision and Mission Statement have been crafted. The new vision statement of your Bank is “To be the most preferred and trusted bank enhancing value for all stakeholders”. With the new vision statement, your Bank has formalized a goal to share a common dream with all the stakeholders of the Bank.

Previously, there was no separate Mission statement as the Vision statement itself incorporated the mission of the Bank. Also, in consonance with the change in the Vision Statement, a new Mission statement was crafted, in line with the organization’s long-term and short-term goals. Accordingly, the mission statement of your Bank is:

• Delighting customers with our excellent service and comprehensive suite of best-in-class fi nancial solutions;

• Touching more people’s lives with our expanding retail footprint while maintaining our excellence in corporate and infrastructure fi nancing;

• Continuing to act in an ethical, transparent and responsible manner, becoming the role model for corporate governance;

• Deploying world class technology, systems and processes to improve business effi ciency and exceed customers' expectations;

• Encouraging a positive, dynamic and performance-driven work culture to nurture employees, grow them and build a passionate and committed work force;

• Expanding our global presence;

• Relentlessly striving to become a greener bank.

The mission statement which charts the route map has seven key elements which will make the new vision come to reality. Your Bank will strive to provide best in class services and solutions, and maintain high standards of ethical values. Your Bank will be a responsible bank that contributes to social sustainability in all its activities. The focus of your Bank would be on continuous growth and it will continue to delight every customer by its unique and innovative products and services and pioneering efforts.

Business Strategy

Your Bank’s strategy during the year under review focused on aggressive growth in Retail lending and repositioning of delivery channels to realize higher CASA deposits. At the same time, your Bank sought to maintain its leadership position in the corporate banking and investment banking space, so as to meet the requirements of the corporate sector. Specifi c focus was laid on cross selling of your Bank’s entire product and service offerings across the entire range of customers, so as to build sustainable and stable relationships. Your Bank’s strategy during the year resulted in improvement in various profi tability parameters and consolidated its business position across various benchmarks, so as to bring them more in line with the prevailing industry standards.

Key Business Initiatives

Your Bank continued to target a progressively larger retail business portfolio to facilitate a more balanced business mix, in keeping with its intended positioning as a full-service new generation commercial bank. Further, in order to build a strong foundation for sustainable growth on long term basis, as also ensure compliance with regulatory norms, your Bank took initiatives to build up its priority sector lending portfolio. Your Bank has been a pioneer in the fi eld of Corporate Finance for the last nearly fi ve decades. Your Bank has maintained its focus on corporate banking and laid specifi c emphasis on cross-selling of your Bank’s diverse range of products and services. Your Bank increased substantially its presence in government business and enabled higher direct and indirect tax collections.

7

Your Bank offers a bouquet of Liability, Asset, Capital Market and Third Party products aimed at meeting the customized needs of customers in the Retail Banking segment. Your Bank introduced a number of products in the pre-paid cards arena during the year under review. Your Bank has initiated a project on facilitating usage of ATM network to Co-operative Banks and RRBs on National Financial Switch (NFS) network in association with National Payments Corporation of India (NPCI). This would enable Co-operative Banks and RRBs to issue ATM cards to their account holders and get connected to the NFS network to have access to more than 84,000 ATMs across India.

Your Bank entered into MOUs with several reputed educational institutions across India for granting educational loans to eligible students during the year. Your Bank is also offering additional concessions to girl students from SC/ST and Minority communities.

Your Bank had launched its Internet Banking services way back in October 2001. Since then, the ambit of this channel has progressively broadened to include several value-added services. Keeping in view the need to secure online shopping/e-commerce based transactions initiated through the internet banking channel from phishing related frauds, an Online Shopping Password (OSP) security feature has been introduced by the Bank from December 2011. Your Bank also introduced an online password-generation facility for the Retail Net Banking customer, to instantly create their own login and transaction password and also set their access profi le.

As part of a Financial Inclusion project in four Talukas of Gujarat, your Bank has, inter alia, launched a specially designed Co-branded Photo ATM Card on ‘Rupay’ Platform. The Card can be used for ATM transactions at your own as well as other Bank ATMs that are members of National Payment Corporation of India (NPCI).

Your Bank has constantly endeavored to cater to the diverse needs of its MSE clients and has continuously been developing customized MSE products. During FY 2011-12, your Bank introduced a new product, viz., “Line of Credit to Vendors of Corporates” that augments the liquidity position of MSE vendors. Considering the growing importance of credit rating for MSE clients, which enhances the confi dence in MSEs while dealing with fi nancial institutions, banks and corporates for their fi nancial needs and business opportunities, your Bank signed an MoU with Credit Analysis and Research Ltd. (CARE) for credit rating of the MSE customers at preferential rate.

Your Bank has put in place a state-of-the-art Technology Platform which is supporting the Government’s dual objective of improvement of tax collection effi ciency and

e-governance. Your Bank had gone live in January 2012 in providing online duty payment services in respect of Customs Duty for all the 103 Electronic Data Interchange (EDI) locations across the country. With this development, taxpayers are now in a position to route all of their Central Taxes and Duties payments through IDBI Bank, making your Bank an important Agent in its pursuit of partnering the Government of India in enabling online tax payments and enhancing the tax contribution to the Exchequer.

Your Bank became the fi rst ever Bank in the country to launch an internet based portal dedicated to retail investors in Government Securities. The portal, named “IDBI Samriddhi G-Sec” has been received favourably by the investor class. This trend setting initiative by your Bank offers retail investors the opportunity to benefi t from the safety, liquidity and risk free returns that Government Securities offer.

Your Bank became the fi rst entity from India as also other emerging markets to access foreign currency funds in the Dim Sum Market. In November 2011, your Bank raised Renminbi (RMB) 650 million 4.5% fi xed rate Dim Sum Bonds for 3 year maturity. This issue provides testimony to the faith reposed by global fi xed income investors in your Bank.

Organizational Structure

Your Bank has continued its thrust on improving organizational structure, which places customer relationship and service at the centre of all banking initiatives. Accordingly, your Bank is currently organized on the lines of “customer focused vertical” model, capable of delivering improved services. The model has achieved signifi cant success in enhancing customer relationship management, improving credit delivery and bringing sharper focus to business lines which are sustainable and remunerative.

With the addition of 157 branches during FY 2011-12, including Specialized Corporate Branches, the total number of domestic branches went up to 972 as on March 31, 2012 in addition to one overseas branch at DIFC, Dubai. Of the domestic branch network, 264 are located in metropolitan centres, 377 in urban centres, 236 in semi-urban centres and 95 in rural centres.

Board of Directors

Your Bank’s Board of Directors is broad based and its constitution is governed by the provisions of the Banking Regulation Act, 1949, the Companies Act, 1956, the Articles of Association of the Bank and satisfi es the requirements of good corporate governance as envisaged in the Listing Agreement with the Stock Exchanges. The Board functions

8

directly as well as through various Board Committees constituted to provide focussed governance in important functional areas of the Bank.

As on March 31, 2012, the Board of Directors of your Bank comprised of six Directors with two Executive Directors (including the Chairman & Managing Director and the Deputy Managing Director), one Non Executive Director and three Independent Directors. No Director on the Board of your Bank is in any way related to any other Director on the Board of the Bank.

Apex Committees

The Board has in all eight committees, viz., Executive Committee, Audit Committee, Shareholders’/Investors’ Grievance Committee, Frauds Monitoring Committee, Risk Management Committee, Customer Service Committee, Information Technology Committee and Remuneration Committee, to oversee various functional aspects of the Bank’s business and operations.

Corporate Governance

Your Bank is committed to adopting the best practices in the area of corporate governance. Your Bank believes that proper corporate governance is not just a requirement for regulatory compliance, but also a facilitator for enhancement of stakeholders’ value. The details of corporate governance practices followed in your Bank are given in this Annual Report as a separate section under the Management Discussion and Analysis.

Statement under Section 217(2A) of the Companies Act, 1956

There were no personnel in the services of the Bank for the whole year, who were in receipt of remuneration of over ` 60 lakh per annum. Further, there were no personnel, who were in the service of the Bank for part of the year, received remuneration in excess of ` 5 lakh per month for the period they were in the service of the Bank.

The provisions of Section 217(1) (e) of the Act relating to conservation of energy and technology absorption do not apply to your Bank.

Directors’ Responsibility Statement

The Board of Directors hereby declares and confi rms that:

a. in the preparation of accounts, the applicable accounting standards had been followed along with proper explanation relating to material departure;

b. the Directors had adopted such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of your Bank at the end of accounting year and of the profi t or loss of your Bank for that year;

c. the Directors had taken proper and suffi cient care for the maintenance of adequate accounting records, in accordance with the regulatory provisions, for safeguarding the assets of your Bank and for preventing and detecting fraud and other irregularities;

d. the Directors had prepared the accounts on a going concern basis.

Acknowledgements

The Board of Directors of your Bank expresses its sincere thanks to the Government of India, Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority (IRDA) and all other Statutory/ Regulatory Authorities for their valuable co-operation and guidance. The Board also acknowledges the co-operation and support rendered by various State Governments and other banking/fi nancial institutions. The Board thanks various multilateral institutions and international banks/ institutions for their periodic support. The Board takes this opportunity to thank all its shareholders and customers for extending their support during the year and looks forward to their continued association in the years ahead. During the fi nancial year, the Bank has received various recognitions and accolades for its excellence in banking domain. The Board indeed is thankful to all such organizations/agencies for their appreciation of the Bank’s efforts. The Board appreciates the sincere and devoted services displayed by its entire staff and highly values their commitment in improving your Bank’s performance.

Place : MumbaiDate : April 21, 2012

R. M. MallaChairman & Managing Director

MANAGEMENTDISCUSSION AND

ANALYSIS

11

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