IDBI has taken the initiative to consolidate its client-base in the mid-corporate, SME and the retail sectors. The bank at the same time wants to nurture its deep relationship with the corporate sector. This strategy is aimed to develop its retail base in both, assets and liabilities, leading to a more diversified balance sheet, as well as improvement and sustainability in the net interest income. This step would enable the bank to leverage the bank’s experience in project/infrastructure financing to become a larger player in investment banking, thus raising higher fee-based income. The bank has also adopted aggressive strategies for gaining higher market share in transaction banking activities.