ABN AMRO BANK

COMPANY PROFILE

With assets over US $504 billion and an AA credit rating, ABN AMRO

Bank ranks among the top 10 banks in the world in size and strength. Our

international network comprises 3,568 branches and offices in over 320 cities

and 76 countries and territories, with over 100,000 highly qualified staff. As a

global bank, we can handle the most complicated cross-border transactions, yet

we also understand the subtleties of local markets.

 ABN AMRO in India

ABN AMRO Bank (India) has an eight decade long experience of the

Indian business scenario.

Traditionally known as a strong "diamond financing bank", it has turned

into a bank providing a comprehensive range of services with a difference.

ABN AMRO (India) has branches in Bangalore, Baroda, Chennai,

Delhi, Gurgaon, Hyderabad, Kolkata, Lucknow, Mangalore, Moradabad,

Mumbai, Noida, Panipat, Pune, Surat and Tirupur with each branch servicing

multi-product relationships.

Consumer Banking offers a suite of products for your personal financial

needs offered through various channels including ATMs, Doorstep Banking

and NetBanking.

ABN AMRO Bank in India enjoys a strong image as a corporate bank

with comprehensive Global Transaction Services.Its investment banking

services are delivered through ABN AMRO (India) Corporate Finance and the

Global Financial Market Teams which strive to maintain the permanent

position we have built in the marketplace.

 ABN AMRO Bank has launched its Private Banking Services in India

offering a comprehensive range of high quality Portfolio Advisory Services

along with a comprehensive transaction execution platform, complemented by

personalised Banking and custodial services.

ABN AMRO Bank has also launched its microfinance program in India.

The program is aimed at delivering credit to the poor women of India,

especially in the rural areas, through Microfinance Institutions (MFIs).

Strategy

ABN AMRO is an international bank with European roots. We have a

clear focus on consumer and commercial clients in our local markets and focus

globally on select multinational corporations and financial institutions, as well

as private clients. Our business mix gives us a competitive edge in our chosen

markets and client segments.

Our strategy is built on leveraging our advantages as a Group to create

the best value for – and with – our clients. It is summarized in five points.

1. Creating value for our clients by offering high-quality financial solutions

that best meet their current needs and long-term goals.

2. Focusing on:
 o Consumer and commercial clients in our local markets in Europe, the

Americas and Asia, and globally on

o Selected multinational corporations and financial institutions

o Private clients

3. Leveraging our advantages in products and people to benefit all our clients.

4. Sharing expertise and operational excellence across the Group.

5. Creating 'fuel for growth' by allocating capital and talent according to the

principles of Managing for Value, our value-based management model.

Focus on the mid-market

Although we serve a broad range of clients, our strategic focus is on the

mid-market segment. This is the client area where we have a strong and

distinctive competitive advantage and where we feel we can be most profitable

in the future.

The consumer mid-market consists of clients who require more than a

basic banking package (mass affluent and private clients), but who don't yet

fall into the small category of our top-end private clients. The commercial

mid-market ranges from mid-sized companies in our home markets to a

smaller number of large multinational clients and financial institutions.

Still, clients in our other segments are essential to providing sufficient scale

and ensuring product innovation. The success of our focus on the mid-market

depends on our continuing presence at the top end of the market and the mass-
 market segment. The focus on our primary target clients will also guide our

future investments and acquisitions to enhance profitable revenue growth.

One Group
Another key element of our strategy is deriving more value from being

one Group. The creation of a shared product organization comprising

payments and trade, called Transaction Banking, and the creation of a Group

Services organization that oversees all services and operations in the Business

Units and in Group Shared Services, will enable us to leverage our global

advantaged capabilities and increase the impact of our investments in these

areas.

The mid-market franchise outlined above will be the growth engine of

the Group, and we have therefore created two global cross-BU segments: a

consumer segment and a commercial segment. These two segments will drive

growth by working across our Business Units.

Unique delivery

The ABN AMRO Group is well positioned to capitalise on our focus on

the mid-market segment. Success requires a combination of local and
international capabilities:

• Local relationships
• An extensive and competitive product suite
• Efficient delivery
• Sector knowledge (in the case of corporations)
• International network

Mission
"ABN AMRO's mission is to create maximum economic value for our

shareholders through a constant relationship focus on the financial services

needs of our chosen client segments and a strict adherence to our financial

targets. We are operating in three principal customer segments, whereby the

objective is to maximise the value of each of these businesses as well as the

synergies between them. Excellence of service to our clients and leadership in

our chosen markets are of paramount importance to our long-term success. The

Bank's corporate values play an integral role in the fulfilment of our mission."
History

On 29 March 1824 King Willem-I issued a royal decree creating the

Nederlandsche Handel-Maatschappij with the aim of reviving trade between

the Netherlands and the Dutch East Indies. In 1964, NHM merged with De

Twentsche Bank to form Algemene Bank Nederland (ABN), while

Amsterdamsche Bank and Rotterdamsche Bank joined to become Amsterdam-

Rotterdam (Amro) Bank. In 1991, these two banks merged as ABN AMRO

Bank. Today, ABN AMRO Bank has a powerful presence in world markets,

building on a tradition of stimulating international trade.

ATM Locations

ABN AMRO BANK

 PRODUCT RANGE

Savings Accounts

Discover the power and flexibility of ABN AMRO Bank Savings

Accounts, that bring an array of products and services to your doorstep.

ABN AMRO Bank presents a wide range of Savings Accounts. Read

more to find the one most suited for you.

 Flex Plus

 Flex Advantage

 Flex Privilege

 Incentive

Savings Account - Flex Plus

The Flex Plus Savings Account provides a gamut of enhanced services,

while letting you enjoy unique benefits, quite in a functional manner. With

extra access and convenience of banking, the Flex Plus Savings Account

actually rewards you for using it! Thereby, giving more value for your money

and time.
EXTRA ACCESS

Experience the freedom of accessing your account from anywhere,

anytime. With ABN AMRO Flex Plus Savings Account, you’ll never be far

away from your money.

EXTRA CONVENIENCE

Here is a savings account that gives due importance to your

convenience. It lets you enjoy value-added services right from the comfort of

your home or office. And, thereby, saves your precious time too.

EXTRA EARNINGS

Enhance your earnings in ways you would have never imagined. Get

rewarded for using your account, and avail an array of benefits that promise to

make your wallet happier!

International Debit Card

 365 Days Banking

 24-Hour Bank by Phone

 Wide ATM Access

 Free Doorstep Banking

 NetBanking

 Mobile/SMS Banking – Mpower

  National Access

 Customised Alerts

 Utility Payments

 Online Railway Reservations

 E- Statements

 Free Payable At Par Cheque Books

Savings Account - Flex Advantage

The Flex Advantage Savings Account is more than just your ordinary

savings account - it's your window to endless financial opportunities. You get

expert assistance by Personal Bankers who help you make choices, suiting

your financial needs and risk profile. The account offers you transactional ease

and takes banking to a new level with its host of powerful features.

Ease of Transactions

You now have the convenience to pay your monthly household bills and

insurance premiums without worrying about signing cheques. The Standing

Instruction feature allows you to pay your EMI on loans and credit card

payments in time, without the hassle of remembering the due dates. You can

also keep track of your finances through periodic e-mails and mobile alerts,

and even book your railway tickets online. Moreover, the debit card that comes
with this account allows you to access over 12000 MasterCard ATMs across

the country and gives you the power to make purchases at over 23 million

outlets, worldwide.

No Minimum Balance

The Flex Advantage Savings Account comes with a unique feature. It

lets you operate your account without maintaining a minimum balance. Fulfill
a simple criteria and avail of this benefit.

That's not all. The Flex Advantage Savings Account comes with host of
other features that give you world-class benefits.

 Customized Alerts

 Utility Payments

 Mobile Banking – Mpower

 NetBanking

 E-Statements

 Portfolio Statement

 Co-branded Indian Airlines Debit Card

 Doorstep Banking

 National Access + 365 Days Banking

 24-Hour Bank by Phone

 Wide ATM Access

 International Debit Card

Savings Account - Flex Privilege

When it comes to choosing a savings account, a discerning individual

like you should not have to make any compromises. Is there a premium

savings account that offers you the flexibility of banking suited to your

lifestyle? Experience the pleasure of world class banking right at your doorstep

with unmatched benefits and privileges.

ABN AMRO FLEX PRIVILEGE SAVINGS ACCOUNT

Flex Privilege Savings Account is a truly unique savings account. With

a host of value added features and personalised services, it is designed to cater

to successful individuals like you who expect nothing but the best

 THE PRIVILEGE OF EXCLUSIVITY

 THE PRIVILEGE OF VALUE ADDED SERVICES

 THE PRIVILEGE OF BENEFITS

 THE PRIVILEGE OF TIME

Savings Accounts - Incentive

Your work is demanding. As you are too. No wonder, more and more

companies are turning to Incentiv. A unique salary account that sets you free

so you can bank from your office, your house or anywhere else. You can
 access your account at any time, even on a holiday and avail of facilities like

Doorstep Banking, Bank by Phone, NetBanking and Alerts.

You can pay your utility bills, obtain temporary overdrafts and

premium Insurance products. You also benefit from special rates of Interest on

Personal and Car Loans. The Incentiv Account is, quite simply, the single

window to all your financial needs.

Read on to know more about the privileges of an Incentive customer.

• Zero Balance Account

• International Debit Card

• Wide ATM access

• Safety Shield - a temporary overdraft facility

• Royalties - India's first Banking Rewards Program

• Free Credit Cards

• NetBanking

• Email/SMS alerts

• Free Doorstep Banking

• 24 Hour Bank by Phone

• 365 Days Banking...up to 7 pm

• Personal and Car Loans

• Insurance Products
• National Access

• Free Payable at Par Cheque Book

• Mail Box Service

• Portfolio Statements

• Combined Interest Statements

All your company needs to do is open your incentive account today for

your monthly salary and you experience the personalised service that makes

ABN AMRO the better alternative in banking. Because your work pressures

shouldn't be compounded by a bank that doesn't respond to your crunching

schedules.

Value+ Current Accounts

You're special. And so is your business. At ABN AMRO Bank, we

understand that, and the fact that you'd rather invest your time and money in

your business - not your bank.

Which is why our innovative products and services are tailored around

your business needs, not ours.

The result is VALUE+, the unique, innovative and money-saving

current account that empowers you with the peace of mind required to focus

on your business.
VALUE+ comes with different balance requirements:

VALUE+ SILVER:

VALUE+ Silver 40 - Rs. 40,000 Average Daily Balance.

VALUE+ GOLD:

VALUE+ Gold 100 - Rs. 1,00,000 Average Daily Balance.

VALUE+ Gold 500 - Rs. 5,00,000 Average Daily Balance.

FEATURES

Free Demand Drafts

Get free drafts on 156 to 8000 locations across the country, from Rs. 2

lakh to 40 lakh, depending on type of account held by you. And that's not all,

you will also get very attractive rates on additional drafts that you may require.

Free Pay Orders

Get free pay orders on all our branches, without any limits.

Electronic Funds Transfer

 You don't even need drafts to send payments to 156 specified locations,

just fill up the form available at your branch and we will send the funds to the

beneficiary's account electronically.

Free National Access

Open a VALUE+ current account with any branch and access it from

any other branch. Just walk into an ABN AMRO Bank branch anywhere in

India to draw cash, renew your deposit, transfer funds and more. Our true

national access also allows free collection of outstation cheques drawn on our

branch locations which means that if you receive a cheque of any other bank

drawn on any of our branch locations, you don't need to pay anything to get

the Cheque collected.

Free Payable at Par Cheque Books

Issue cheques on any of our branch locations from the comfort of your

office or home, instead of ordering demand drafts or pay orders.

Attractive Rates on Foreign Exchange and Trade Services

 Take advantage of our special desks in all branches for speedy foreign

exchange and trade transactions at attractive rates, thanks to our wide

international network.

Doorstep Banking

Need Cash? Phone us and we'll deliver the money to you at your

address, free*. Just hand over a cheque against the money on delivery. Your

cheques (and documents) can also be picked up from or delivered to your

home or office for your convenience.

Wide ATM access with International Debit Card

The Debit Card also gives you access to a wide network of ATMs. You

can access the ABN AMRO Bank ATMs for virtually all banking transactions.

For cash withdrawals and balance inquiries you can now access the

Maestro/Cirrus network with over 2,900 ATMs in India and over 7,90,000

ATMs across the world. Moreover, as a special arrangement, you also have

free* access for withdrawing cash at all UTI Bank ATMs in India.

QuickEnquire
 Empowers your employees to have access to information about your

account over the phone, but not the ability to carry out transactions; thus

avoiding bank visits and wastage of precious time.

NetBanking

Now you can download statements over the internet as and when you

wish through our comprehensive online banking. Also paying a bill or

transferring funds to a supplier is just a click away.

E-mail/Mobile Alerts

Stay clued in on the status of large debits/credits to your accounts. Or

when the balance in your account falls below a specified amount that you may

select.

365 Days Banking - up to 7 pm

Your work doesn't stop at 2 pm, so why should your bank? That's why

ABN AMRO Bank stays open right up to 7 pm, 365 days a year, including

Sundays and holidays.

Kolkata Brabourne Road branch timings:

Monday to Friday: 10 am to 8 pm

Saturday: 10 am to 2:30 pm
Sundays and holidays closed

24 Hours Bank by Phone

Our QuickBalance facility will give you your balance instantly so you

don't have to wait for a series of messages or hold on for an operator. And

that's not all - you can pay your bills, order a cheque book or transfer funds

across your accounts through the phone.

Royalties

India's first Banking Rewards Program For the first time in India, you

get to earn as you use your account. Everytime you use an ABN AMRO Bank

ATM, Bank by Phone service or NetBanking you earn valuable points.

Further, whenever you use your Debit Card for purchase, you also get reward

points. So accumulate points and use them to get exciting gifts.

Maximise your returns

 Transfer excess funds from your current account into a fixed deposit

over NetBanking 24 hours a day or contact an investment counsellor to get

details on the most appropriate investment options for you, and start making

your idle money earn interest.