3. INTRODUCTION
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.
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.
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4. Brief History
•A Parliamentary Act sets up IDBI as a
1964 subsidiary of RBI.
•Ownership of IDBI transferred to the
1976 government from RBI.
•The RBI Act is amended to permit 49%
1994 private Ownership.
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5. Cont…
•Domestic IPO and Government stake is
1995 reduced.
•IDBI moves from its DFI status in to a
commercial bank along with a mandate
2004 for development financing under the
name of RBI.
•Amalgamation of IDBI Bank Ltd. with IDBI
2005 Ltd.
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6. Cont…
•Amalgamation of united Western Bank.
2006
•Opens the first Overseas Branch at DIFC,
2010 Dubai.
•Merges subsidiaries, IDBI Home finance
2011 and IDBI Gilts.
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7. Shareholding Pattern : Dec 31, 2011
Others
Public Govt. of
11.07%
15.12% India
52.67%
Foreign
Insitutional
Investors
4.44%
Indian
Financial
Institutions
16.70%
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9. THE WORKING OF IDBI
INPUTS PROCESS OUTPUT
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10. Subsidiaries
IDBI Bank has the following subsidiaries:
IDBI Capital Market Services Limited
IDBI Home Finance Limited
IDBI Intech Limited
IDBI Gilts Limited
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11. No of Branches
Metro 268
Urban 377
Semi Urban 242
Rural 103
Overseas 1
Total 991
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13. 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.
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14. Personal Banking
Following products and services are offered under Personal Banking:
Deposits
◦ Savings Account
◦ Current Account
◦ Fixed Deposits
◦ Suvidha Tax Saving Fixed Deposit
◦ Pension Accounts
◦ Sabka Account
◦ Super Shakti Account for Women
◦ Jubilee Plus Account
Loans
◦ Home Loans
◦ Loans Against Property
◦ Education Loans
◦ Personal Loan
◦ Loan Against Securities
◦ Reverse Mortgage Loan
◦ Auto Loan
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15. Cont..
Payments
◦ Tax Payments
◦ Stamp Duty payments
◦ Easy Fill
◦ Bill Payment
◦ Card to Card Money Transfer
◦ Online Payments
◦ PayMate
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16. Cont..
Investments Advisory
◦ Smart Financial Planning
◦ Mutual Fund
◦ Insurance
◦ Fixed Income Securities
Cards
◦ Gold Debit Card
◦ International Debit cum ATM Card
◦ Gift Card
◦ World Currency Card
◦ Cash Card
◦ KIDS Debit Card
◦ Foundation Day Cash Back Scheme 2009
◦ Platinum Card
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17. Cont..
Institutional Banking
◦ Institutional Savings Account
◦ Corporate Payroll Account
24 Hours Banking
◦ Phone Banking
◦ SMS Banking
◦ AccountAlerts
◦ Internet Banking
Other products
◦ Lockers
◦ India Post
Preferred Banking
NRI Services
Capital Market
◦ IPO
◦ Demat
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18. 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
Trade Finance
Tax Payments
Derivatives
Technology Up gradation Fund Scheme (TUFS)
Film Financing Scheme
Direct Discounting Bills
Rehabilitation Finance
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19. SME Finance
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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20. Achievements
Awards Won during the year
IT Team of the Year(2007) Award of IBA5
Best IT Security Practices Award of NASSCOM
Best CTO Award of Cyber Media
Won two special awards, for “Best Payments Initiative” and
“Outstanding Achiever of the Year" (2007)
Key Projects
Airline ticketing through ATMs
Setup of Data Center and Disaster Recovery Center
Internet Banking Enabled Multi-Functional KIOSK
Kolkata and Haldia Port Trust Internet Banking Payment and
MIS Modules
Online Payment of Central Excise & Service Tax
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