NDE Indymac Bncp

IndyMac Bancorp, Inc. (NYSE:NDE) ("Indymac" or the "Company"), the holding company for IndyMac Bank(R) F.S.B. ("Indymac Bank"), will hold a presentation for the investment community on Thursday, January 26, 2006, at 11:00 a.m. Eastern Time (8:00 a.m. Pacific Time) to review fourth quarter 2005 financial results, which are scheduled to be released before the market opens on January 26th. A live audio webcast of the presentation will be hosted by Michael W. Perry, Chairman and Chief Executive Officer. A slide presentation will accompany the Webcast/conference call and can be accessed along with Indymac's Form 10-Q via Indymac Bank's home page at www.indymacbank.com. If you would like to participate: -- Please R.S.V.P. for the call at (800) 289-0579 or (719) 457-2550 (international) access code #7491284. -- Internet Webcast access will be available at: http://www.indymacbank.com -- The telephone dial-in number is (800) 474-8920 or (719) 457-2727 (international) access code #7491284; and -- The replay number is (888) 203-1112 or (719) 457-0820 (international) access code #7491284. To participate on the call, please dial in 15 minutes prior to the scheduled start time. The conference call will be replayed continuously beginning two hours after the call on January 26th through 1:00 a.m. ET on February 2nd and will be available on Indymac's Website at www.indymacbank.com. IndyMac Bancorp, Inc. is the holding company for Indymac Bank, the largest savings and loan in Los Angeles County and the 9th largest nationwide (based on assets). Through its hybrid thrift/mortgage banking business model, Indymac is in the business of designing, manufacturing, and distributing cost-efficient financing for the acquisition, development and improvement of single-family homes. Indymac also provides financing secured by single-family homes to facilitate consumers' personal financial goals and strategically invests in single-family mortgage-related assets. Indymac utilizes its award-winning e-MITS(R) technology platform to facilitate automated underwriting, risk-based pricing and rate lock of home loans on a nationwide basis via the Internet at the point of sale. Indymac provides mortgage products and services through various mortgage banking divisions and invests in certain of its mortgage loan production and mortgage servicing for long-term returns. Indymac Bank also offers a wide array of Web-enhanced banking services, including deposits, competitive CD and money market accounts, and online bill payment services. Indymac Bank is FDIC insured. Indymac's total annualized return to shareholders of 23% for the period Dec. 31, 1992 through Dec. 31, 2005, under its current management team, has exceeded the comparable returns of 12% and 10% for the Dow Jones Industrial Average and S&P 500, respectively, for the same period. For more information about Indymac and its affiliates, or to subscribe to the Company's Email Alert feature for notification of Company news and events, please visit our Website at www.indymacbank.com. FORWARD-LOOKING STATEMENTS Certain statements contained in this press release may be deemed to be forward-looking statements within the meaning of the federal securities laws. The words "anticipate," "believe," "estimate," "expect," "project," "plan," "forecast," "intend," "goal," "target," and similar expressions identify forward-looking statements that are inherently subject to risks and uncertainties, many of which cannot be predicted or quantified. Actual results and the timing of certain events could differ materially from those projected in or contemplated by the forward-looking statements due to a number of factors, including the completion of the quarterly internal certification process, the effect of economic and market conditions including industry volumes and margins(1); the level and volatility of interest rates(1); the Company's hedging strategies, hedge effectiveness and asset and liability management(1); the accuracy of subjective estimates used in determining the fair value of financial assets of Indymac; the credit risks with respect to our loans and other financial assets; the actions undertaken by both current and potential new competitors(1); the availability of funds from Indymac's lenders and from loan sales and securitizations, to fund mortgage loan originations and portfolio investments; the execution of Indymac's growth plans and ability to gain market share in a significant market transition(1); the impact of disruptions triggered by natural disasters, including the assessment of the effects of the Gulf Coast Hurricanes(1) and the effects of any future hurricanes; the impact of current, pending or future legislation, regulations(1) or litigation; and other risk factors described in the reports that Indymac files with the Securities and Exchange Commission, including the Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and its reports on Form 8-K. (1) While all of the above items are important, the highlighted items represent those that, in management's view, merit increased focus given current conditions.