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December 30, 2016

Dear Customers,

2016 was a year of transformation that saw change being ushered in the country as well as the Bank in an unprecedented way. As 2016 draws to a close, it seems like a great time to reflect on what we've accomplished and the plans we have for an exciting year that will dawn upon us.

Over the last year, we have continued to expand in terms of business, driven by rapid expansion of branch and ATM network, innovations in digital delivery channels, seamless and transparent processes, as well as continuously revamped product and service offerings. As much as these accomplishments have been a testimony to our commitment towards excellence in customer service, it couldn't have been possible for us to come this far without your unstinted support and loyalty.

Endeavouring towards seamless customer experience, we have undertaken a wide range of initiatives, some of which I would like to enumerate. During the year, we launched a unique facility whereby retail investors can invest in government securities through IDBI Bank ATMs, becoming the first bank to do so. We were also the first public sector bank to open its IFSC Banking Unit (IBU) at India's first and only International Financial Services Centre (IFSC) at Gujarat International Finance Tec-City (GIFT). To provide an added impetus to the objective of financial inclusion, we also introduced a unique banking solution, viz. IDBI Express, which enables customers to bank at their chosen time and place beyond banking hours, without having to visit a branch.The Bank has always strived to be a proactive partner in the nation's progress. Towards this end, the Bank also launched the Stand Up India scheme on a pan-India basis on April 14, 2016, following its launch by the Government on April 5, 2016.

Apart from these initiatives, we have also endeavoured to put our best foot forward after the demonetisation drive announced by the Government on November 8, 2016 in a bid to minimize the inconvenience confronting the customers. We deployed additional manpower to the branches to cater to the surging crowds and strived to recalibrate and operationalise our ATMs at the earliest on a priority basis. We also deployed micro-ATMs at various airports to cater to the needs of travellers. Moreover, we have also deployed POS machines across various merchant establishments through which debit cardholders of any bank in India could withdraw cash. It is a matter of pride for us that we have been proactively deploying cutting-edge technology solutions to offer various digital avenues for customers to transact at their convenience even before it emerged as the need of the hour. The customers can use mobile banking and internet banking services at their convenience to conduct a wide array of financial transactions. We offer various services through applications on mobile phones such as PayApt which is a mobile wallet, mPassbook which helps a customer to view account details on-the-go and Abhay Card Control which allows a customer to change the usage limit of debit card.

Over and above these initiatives, it was the unstinted support that was exhibited by you as our customer that encouraged us and pushed us to continue working towards providing better customer experiences. I would like to thank you for your cooperation and express gratitude for the enriching experience that has been realised by us in having you as our valued client.

As we stand at the threshold of a new year as also a new era marked by increasing shift towards digital channels, I would like to reiterate the Bank's commitment to continue putting your needs first by transforming our service offerings into core competencies. I hope that the New Year would gift us your continued patronage.

With best wishes from IDBI Parivar to you & your family for the New Year 2017!

Kishor Kharat

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