IndyMac Bank 2005 Annual Report

Accountants

Ernst & Young LLP
725 South Figueroa Street
Los Angeles, CA 90017

Registrar and Transfer Agent

The Bank of New York
Investor Relations Department
P.O. Box 11258
Church Street Station
New York, New York 10286-1258
(800) 524-4458

Mortgage Products

If you are in the process of purchasing a new home or interested in refinancing your current mortgage or obtaining a reverse mortgage or home equity line of credit, please contact us toll free at (866) VIP-0444 or apply online at our direct lending Website www.indymacbank.com.

Deposit Products
and Services

Indymac Bank offers competitive Web-enhanced deposit products. For more information, please contact us at (800) 998-2900 or online at www.indymacbank.com.

Stock Purchase Plan

IndyMac Bancorp, Inc. has an online direct stock purchase plan that allows for the purchase of Indymac shares online at no cost. Further information on this plan is available at www.indymacbank.com.

Dividend Policy

Indymac’s goal is to maintain a dividend payout ratio in line with other financial institution payout ratios, which range from 30% to 50% of earnings per share. For 2005, Indymac’s dividend payout ratio was 34%. Looking forward, Indymac expects to continue to increase its dividend in accordance with its potential growth in earnings per share. As a result, Indymac expects to increase future dividends within a targeted range between Indymac’s long-term earnings per share growth goal of 15% and its historic earnings per share growth rate of 27% since 1993 under current management.

Form 10-K

For shareholders and others interested in information beyond that shown in this report, IndyMac Bancorp, Inc.’s Annual Report on Form 10-K for 2005, required to be filed with the Securities and Exchange Commission, may be obtained without charge at our Website at www.indymacbank.com, or by writing to:

IndyMac Bancorp, Inc.
Investor Relations
888 E. Walnut Street
Pasadena, California 91101

Analyst Coverage

Banc of America Securities
Crowell, Weedon & Company
Deutsche Bank
Friedman Billings Ramsey
JMP Securities
Keefe, Bruyette & Woods, Inc.
Lehman Brothers
Morgan Stanley
Portales Partners, LLC
Raymond James & Associates, Inc.
RBC Capital Markets
Roth Capital Partners, Inc.
Standard & Poor’s Corporation
Wachovia Securities

Website Information

For more corporate information please visit us at http://about.indymacbank.com/investors

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<  E-Mail Alerts
<  Request Information
Or call us at (800) 669-2300 ext. 5019 or (626) 535-5019

Stock Information

Indymac’s common stock is traded on the New York Stock Exchange under the symbol NDE (NYSE: NDE).

The following table sets forth the high and low sales prices (as reported by Bloomberg Financial Services) for the common stock for the years ended December 31, 2005 and 2004.

Quarter	High	Low	Dividends
2005

1	$39.15	$32.83	$0.36
2	43.44	33.04	0.38
3	46.25	37.40	0.40
4	40.50	34.40	0.42

2004
1	$36.86	$29.30	$0.25
2	37.44	29.21	0.30
3	37.01	30.83	0.32
4	38.10	30.87	0.34

As of February 17, 2006, 64,490,794 shares of Indymac’s common stock were held by 1,737 shareholders of record.

Annual Meeting

The annual meeting of shareholders will be held at 9:00 a.m. (PDT) on Tuesday, April 25, 2006 at the Indymac Mortgage Bank Headquarters at 3465 E. Foothill Blvd., Pasadena, CA 91107.

The most recent certifications of our Chief Executive Officer and Chief Financial Officer, as required by section 302 of the Sarbanes-Oxley Act of 2002, are filed as exhibits to our Form 10-K for the year ended December 31, 2005. In addition, the Company has filed the CEO’s Annual CEO Certification with the New York Stock Exchange as required by section 303A.12(a) of the New York Stock Exchange Listed Company Manual.

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