AXIS BANK

Axis Bank, formerly UTI Bank, is Indias third largest private-sector bank after the significantly large ICICI Bank and HDFC Bank. It is engaged in Large & Mid Corporate Banking, Retail Banking, SME banking, Agri-business banking, International Banking, treasury etc. It has the largest EDC (Electronic Data Capturing Machines) network, the third largest ATM network and the fourth largest base of debit cards in India. It also has overseas branches at Singapore, Hong Kong and Dubai; and representative offices at Shanghai and Dubai. It has advance and cutting edge technology. Since its inception, Axis Bank has been jointly promoted by UTI-I, LIC, GIC and four other PSU insurance companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.

KOTAK BANK

OUR VISION AND MISSION STATEMENT An uncommon bond. Strengthened by a common vision. Apart from common beliefs, values and objectives we believe in the vision of a better tomorrow. It is this deep veneer of faith that has brought us together and fortified our bond. The global Indian financial services brand Our customers will enjoy the benefits of dealing with a global Indian brand that best understands their needs and delivers customised pragmatic solutions across multiple platforms. We will be a world-class Indian financial services group. Our technology and best practices will be benchmarked along international lines while our understanding of customers will be uniquely Indian. We will be more than a repository of our customers' savings. We, the group, will be a single window to every financial service in a customer's universe. The most preferred employer in financial services A culture of empowerment coupled with a spirit of enterprise, attracts bright minds with an entrepreneurial streak to join us and stay with us. Working with a home-grown, professionallymanaged company, which has partnerships with international leaders, gives our people a perspective that is universal as well as unique. The most trusted financial services company We will create an ethos of trust across all our constituents. Adhering to high standards of compliance and corporate governance will be an integral part of building trust.

Value creation Value creation rather than size alone will be our business driver.

IDFC BANK

We aim to serve Following a first meeting of development bank CEOs in 2010, several participating institutions suggested formalizing our cooperation. They confirmed the need for a regular exchange and decision forum on a CEO level that can help national and sub-regional development banks strengthen their voice in an environment dominated by multilateral financing institutions. The formalization of IDFC constitutes a deepening and extension of long existing business relationships between our members and provides the chance to identify and develop future topics, markets and areas of cooperation. The network members will benefit from each institutions local depth and competency, thus providing the opportunity to better position national and sub-regional development banks in global decision-making processes. Objectives of the IDFC The primary objectives of the International Development Finance Club reflect the accumulated experience of its Members and are the first such attempt to define and address the major obstacles facing development finance today. These objectives are thus primarily strategic in nature. They are designed less to radically alter the global agenda than to focus it for greater cohesion and long-term benefit. The IDFC objectives are: Agenda setting by joining forces and networking on issues of similar interest Identifying and developing joint business opportunities Sharing know-how and best practice experiences for mutual learning

The Members of the IDFC are committed to pooling their know-how and best practice experiences in strategic topics of mutual interest, including climate finance, infrastructure finance, social development, poverty reduction, green banking and innovation finance. These objectives further the vision and mission of the IDFC, and provide the practical framework within which current and future issues addressed by our work program are and will be formulated. Through this network we want to shape the international discussion on development finance by exchanging our know-how and experiences, as well as by bringing in our positions as national and sub-regional development banks on the global level." L. Enrique Garcia, Vice-Chairperson of the I Fomento) and resident of A orporaci n Andina de

Our vision collaborating for the common good

The Members of the International Development Finance Club (IDFC) share a similar background and a similar view of their role in the world. The Members have agreed on key principles, which characterize their actions both as individual development banks and as a cooperative association: We are like-minded development banks of national and sub-regional origin.

We operate within the framework of development policies of our respective countries and assist our respective governments in fulfilling their national and international commitments, and within the framework set forth by our constitutive documents. We do so by acting inter alia as financier, advisor, partner and implementer to mobilize finance and expertise for development projects in emerging and developing countries. We share a long history of collaboration; we have built trust and we aim at further enhancing our relationship. We share a similar vision of development strategies to be pursued inter alia to support sustainable improvements in economic, environmental, social and human development. We have a similar understanding about the global challenges facing all of us.

Our mission committed to global development

The Members of the IDFC represent decades of work in the field of global development. Our mission reflects and conveys our experience, our hope, our commitment and our belief in a better life for everyone. We believe that in our changing world there is an increasing role for national and sub-regional development banks. We assert that like-minded development banks should collaborate to face global challenges. By joining our forces (funding capacities, local and international experience, market and product know-how), we aim to complement each others needs and objectives.

INDUS IND BANK

Company profile IndusInd Bank Ltd is one of the new generation private sector banks in India. The Bank's business lines include corporate banking, retail banking, treasury and foreign exchange, investment banking, capital markets, non-resident Indian/high-net-worth individual banking, and information technology. The Bank business divisions include Retail/ Consumer Banking, Consumer Finance, Global Markets Group, Corporate & Commercial Banking, Transaction Banking Group and Investment Banking. The Bank provides multi-channel facilities, which includes automated teller machines (ATMs), net banking, mobile banking, phone banking, multi-city banking and international debit cards. The Bank has multi-lateral tie-ups with other banks providing access to more than 18000 ATMs for their customers. They enjoy clearing bank status for both major stock exchanges - BSE and NSE - and three

major commodity exchanges in the country - MCX, NCDEX, and NMCE. They also offer DP facilities for stock and commodity segments. IndusInd Bank Ltd was incorporated in the year 1994 and was promoted by Mr Srichand P Hinduja, a leading Non-Resident Indian businessman and head of the Hinduja Group. The Bank started their operations with a capital amount of Rs 1,000 million among which Rs 600 million was donated by the Indian Residents and Rs.400 million was raised by the NonResident Indians. The company is a pioneer in launching internet Banking. They are rated as one of the Top Performing Banks in various survey reports. During the year 2001-02, the Bank increased their network from 36 to 77. During the year 2002-03, the Bank entered into electronic money transfer arrangements with MoneyGram International Ltd, USA and Zoha Inc USA for attracting beneficiaries of small value remittance from overseas. Thus, they became the first to implement the RBI-Electronic Funds Transfer scheme. Also, they entered into bullion trading activities and financial services to Indian entities setting up joint ventures and wholly-owned subsidiaries abroad. IndusInd Enterprises & Finance Ltd, a Non-Banking Finance company and one of the promoters of the Bank amalgamated with the Bank with effect from July 11, 2003. As a result, IndusInd Information Technology Ltd became a subsidiary of the Bank. During the year, the bank increased their network to 127 from 77 outlets. During the year 2003-04, the Bank opened their representative office in Dubai. They launched their debit card with the name International Power Card. They opened 8 new branches and 2 new extension counters during the year. Also, a total of 31 new ATMs were installed, which includes 15 on-site ATMs and 16 off-site ATMs. Ashok Leyland Finance Ltd, a leading NonBanking Finance company merged with the Bank with effect from June 11, 2004. During the year 2004-05, the Bank signed an agreement with NCDEX as clearing banker. They launched various innovative products and services, which includes International Mahila Card, Mobile Top-ups, Utility Bill Payment etc. They opened their second representative office in London. Also, the Bank entered bilateral tie-up with Corporation Bank and with UTI Bank, in which the Bank's customer can utilize their ATMs across the country. During the year 2006-07, the Bank added a number of new business and product lines which includes the launch of Indus Gold and Indus Gift Card and E-Remittance facility. They made a tie-up with Religare Securities for extending Portfolio Management services. They also made a tie up with Aviva Life Insurance for bancassurance. The Bank opened 33 branches and set up 41 offsite ATMs during the year. During the year 2007-08, the Bank signed an agreement with National Multi Commodity Exchange Ltd (NMCE) to become their clearing bank. They made a strategic tie-up with Religare Securities for offering a value-added 3-in-1 savings accounts-linked package to customers - comprising a savings bank account, a depository account, and an Internet trading account. Also, they made a strategic partnership with Cholamandalam MS for bancassurance. During the year 2007-08, the Bank was awarded the highest A1+ rating for their Certificates of Deposit by ICRA and the highest P1+ rating for their Fixed Deposits and Certificates of Deposit by CRISIL. They also received recognition by BSE and NASSCOM Foundation for the Best Corporate Social Responsibility Practice Category. In July 2008, the Bank was awarded The Smart Workplace Award by Economic Times in association with Acer and Intel for enhancing the productivity of the employees through optimum use of resources as well as technology. During the year 2008-09, the Bank launched various new products and services which were targeted at building wealth management capabilities as well as enhancing the existing banking channels. The Bank launched the Gold and Investment verticals, which contributed in excess of Rs5 crore of revenue in the first year of operations. They also launched two new channels - Wealth Relationship Managers and the Central Acquisition Team (CAT). The Bank commenced the process of opening 'new look branches' to enhance the banking experience of customers and to provide personal attention to

their needs. They already opened five branches with the new look at Bandra, Kolkata, Ludhiana, Vadodara and Lucknow. The Consumer Banking opened their new Administrative Office in Gurgaon. Aslo, the Bank's Consumer Finance Division moved into their own four-storey building at G. N. Chetty Road in Chennai. In August 2008, the Bank acquired the micro-finance portfolio from SKS Mircofinance. In October 2008, they signed a co-partner agreement with World Gold Council for joint promotion of packaged and certified gold coins and ingots in India. In November 2008, the Bank entered into an agreement with TVS Motor Company where the Bank will provide structured inventory funding to TVS Motors' dealers. In January 2009, they entered into a MoU with CRISIL to rate the Bank's clients. During the year 2009-10, the Bank opened 30 new During the year 2009-10, the Bank opened 30 new branches and 141 ATMs as a part of the strategy of expanding banking network to different locations in the country. The Bank re-launched the NonResident (NR) business, which acquired 12,000 new NR clients within a short span and also mobilized significant FCNR book and savings account book. During the year, the Corporate Office in Mumbai moved into new spacious premises at One Indiabulls Centre, Elphinstone Road (W), Mumbai. The Bank continued the process of opening :new-look branches' / off-site ATMs at various locations, viz., branches in Chennai, Secunderabad, Phagwara, Coimbatore, Pune, Hapur and off-site ATMs in 114 locations enhancing the customer experiences at primary touchpoints. During the year 2010-11, the Bank opened 90 new branches and set up 97 ATMs. As at the year ended March 31, 2011, the Bank had a total of 300 branches spread across 212 geographical locations and 594 ATMs, inclusive of 340 off-site ATMs. The bank has presence in 28 States and Union Territories. In addition, the bank also has Representative Offices in London and Dubai. In October 2011, the Bank entered into an arrangement with Moscow-based commercial bank JCB Unistream for India bound remittances. In February 2011, they signed an MoU with Mahindra & Mahindra Ltd in which the Bank will be one of the preferred financiers for the entire range of vehicles sold by Mahindra & Mahindra Ltd and also extend passenger and commercial vehicle finance to their customers. In June 2011, the Bank signed an agreement with Atos Worldline India (Venture Infotek) for point of sale (POS) acquiring solutions. During the year 2011-12, the Bank opened 100 new branches and 106 ATMs. As at the end of the year, the Bank had a total of 400 branches spread across 270 geographical locations and 692 ATMs inclusive of 345 off-site ATMs. The Bank launched three new services: Cash-on-Mobile, Direct Connect and Quick Redeem during the year. These new services are aimed at making banking easy and convenient for the customers. The Bank has purchased the Credit Cards business of Deutsche Bank during the year. The launch of IndusInd Bank's Credit Cards business through this acquisition has fast tracked the Cards' business growth plans. Mission We will consistently add value to all our stakeholders and emerge as the Best in class in the chosen parameters amongst the comity of banks, by doubling our profits, clients and branches within the next three years. Vision IndusInd Bank will be: A relevant business and banking partner to its clients

 Customer Responsive, striving at all times to collaborate with clients in providing solutions for their Banking needs A forerunner in the market place in terms of profitability, productivity and efficiency Engaged with all our stakeholders and will deliver sustainable and compliant returns

IndusInd Bank has been aggressive in its brand building program since last year. As a part of the brand building exercise, the bank has taken many initiatives which have helped the brand connect up with the customers & enhance the visibility quotient. IndusInd Bank had launched its first ever mass media campaign in May-June 2009 along with its punchline Makes you feel richer and since then, the bank has been consistent in communication through Television, Radio, and Outdoor & print advertising. IndusInd Bank understands its customers money is not just money. It is the vehicle to realise their dreams! Hence, the bank aims to ensure that the customers experience with the bank is pleasant and enriching. That they get value for their money, enabling them to lead a richer, fuller, content life... For this, the bank: o Offers a new level of banking better services, better understanding of unique needs and better management of finances o Demystifies the banking process and makes it more accessible

o Apart from fulfilling traditional banking responsibilities, advises customers on how and where to use their money to get the best out of it o Projects an image of being a young, energetic, modern bank with values of dynamism, confidence and progression Further, as a banking partner, the bank also aims to help its customers discover how they can do more things with their money. In the recent advertising campaign, the Bank reinforces its focus on Innovative banking based on the philosophy of Responsive Innovation. The bank is taking responsiveness theme to customers and reinforces its commitment to give best-of-class services in the industry. Your favorite IndusInd Bank TV Commercials Cash on Mobile ATMs Direct Connect Service Quick Redeem Service IndusInd Bank Open 365 Days IndusInd Check on Cheque IndusInd Choice Money ATM IndusInd Ready2Use Savings Account

IndusInd Online Payments IndusInd Brand Campaign IndusInd Mobile Alerts

BANK OF BARODA COMPANY PROFILE:Bank of Baroda (BoB) was founded in 1908 by Maharaja Sayajirao Gaekwad to foster trade and commerce in his princely state and the adjoining areas. The Bank was under private ownership till July 1969 when it was nationalised. BoB provides services through a network of 3,904 branches and 2,012 ATMs in India spread over all states/union territories. BoB also has five associate rural banks and a subsidiary- Nainital Bank.Sh. S. S. Mundra joined as the new chairman and managing director of the bank. It is one of the Indian banks with the most significant international presence. BoB has a strong presence in East Africa (Kenya, Uganda, Ghana, and Botswana) and The Caribbean. BoB's international business accounts for around 14.05% of bank's total business.BoB is also present in Credit Cards, Capital Markets, Mutual Funds and Insurance through its subsidiaries and associates. Company pulse:Bank of Baroda (BoB) was founded in 1908 by Maharaja Sayajirao Gaekwad to foster trade and commerce in his princely state and the adjoining areas. The Bank was under private ownership till July 1969 when it was nationalised. BoB provides services through a network of 3,904 branches and 2,012 ATMs in India spread over all states/union territories. BoB also has five associate rural banks and a subsidiary- Nainital Bank.Sh. S. S. Mundra joined as the new chairman and managing director of the bank. It is one of the Indian banks with the most significant international presence. BoB has a strong presence in East Africa (Kenya, Uganda, Ghana, and Botswana) and The Caribbean. BoB's international business accounts for around 14.05% of bank's total business.BoB is also present in Credit Cards, Capital Markets, Mutual Funds and Insurance through its subsidiaries and associates.

HEADQUATERS

Domestic Branches (as of Mar'12) 3904

ATM (as of Mar'12)

Vadodara

2012

Our Vision & Mission

Our Mission Statement

A saga of vision and enterprise

It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, it is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory. It is a story

that needs to be shared with all those millions of people - customers, stakeholders, employees & the public at large - who in ample measure, have contributed to the making of an institution.

Products and Services:Corporate Services: Corporate Deposits Corporate Credit Facilities Trade Finance Deposit Rates

Personal Services: Current Accounts Term Deposit Accounts Remittances Deposit Rates

NRI Services: NRI Services Deposit Products Loan facilities