#1आकांक्षाओं का विकास. मूल्य हों साकार. Nurturing Aspirations. Unlocking Value. IDBI BANK INVESTORS PRESENTATION FINANCIAL RESULTS Q2-FY 2022-23 October 21, 2022 IDBI BANK Page 1#2Disclaimer The information in this presentation is being provided by IDBI Bank Limited (referred to as 'the Bank'). The information contained in this presentation is confidential and may not be copied, published, distributed, transmitted or advertised in any media, website or otherwise. 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The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, changes in demand, competition in our business including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes in technology, availability of financing, our ability to successfully complete and integrate our expansion plans, liabilities, political instability and general economic conditions affecting our industry. Unless otherwise indicated, the information contained herein is preliminary and indicative and is based on management information, current plans and estimates. Industry and market-related information is obtained or derived from industry publications and other sources and has not been verified by us. 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IDBI BANK Page 2#3Content 1 Highlights 2 Financial Performance 3 Business Performance 4 Treasury Operations 5 Asset Quality 6 Capital 7 80 Digital Banking and Financial Inclusion Subsidiaries 9 Way Forward IDBI BANK Page 3#4Highlights IDBI BANK Page 4#5Major Highlights for Q2 FY 2023 - Continued Balance Sheet Strengthening PAT Rs.828 crore - - PBT Rs.1437 crore Operating Profit - Rs.2208 crore - NII Rs.2738 crore NIM - 4.37% ROA -1.09% ROE 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Cost of deposit - 3.44% CASA ratio - 56.19% Cost of funds - 3.72%. Total RWA Rs. 157840 Crore Net Advances - Rs.146752 crore Deposit - Rs.230310 crore Net NPA - 1.15% GNPA - 16.51% PCR 97.86% IDBI BANK Page 5#6Key Metrics for Q2 FY 2023 Profitability - Strong operating momentum ■ PAT at Rs.828 crore, up by 46% YoY and 10% QoQ ☐ ☐ PBT at Rs.1437 crore, up by 86% YoY and 32% QoQ Operating Profit at Rs.2208 crore up by 64% YoY and 8% QoQ NII at Rs.2738 crore, grew by 48% YoY and 10% QoQ NIM at 4.37%, improved by 135 bps YoY and 35 bps QoQ Cost to Net Income Ratio (CIR) at 42.29% reduced by 1014 bps YoY and 115 bps QoQ Business Performance - Focus on Granularity ☐ CASA ratio at 56.19%, grew by 156 bps YoY. CASA at Rs. 129407 crore grew by 6% YoY and 3% QoQ ☐ Retail: Corporate Ratio (Gross Advances) improved to 65:35 from 63:37 as on Sep 2021 Net Advances at Rs. 146752 crore grew by 17% YoY and 6% QoQ IDBI BANK Page 6#7Key Metrics for Q2 FY 2023 (contd.) Asset Quality - Improving Trend ☐ Net NPA at 1.15%, reduction of 56 bps YoY and 10 bps QoQ GNPA at 16.51%, reduction of 534 bps YoY and 339 bps QoQ PCR stood at 97.86%, improved by 59 bps YoY and 7 bps QoQ Capital - Adequately Capitalised Tier 1 Capital at 17.05%, up by 305 bps YoY Total CRAR at 19.48%, up by 289 bps YoY ☐ Total RWA at Rs.157840 crore, increased by 382 bps YoY and by 261 bps QoQ IDBI BANK Page 7#8Financial Performance IDBI BANK Page 8#9Profit & Loss (Rs.Crore) Quarter ended Variance Half Year Ended Particulars Variance % FY 22 Sep-21 Jun-22 Sep-22 YOY% QoQ% Sep-21 Sep-22 Interest Income 4154 4634 4978 20 7 9070 9612 6 18292 Interest Expenses 2300 2146 2240 (3) 4 4710 4386 (7) 9130 Net Interest Income 1854 2488 2738 48 10 4360 5226 20 9162 Other Income 976 1140 1087 11 (5) 2707 2227 (18) 4690 Net Total Income 2830 3628 3825 35 5 7067 7453 5 13852 Operating Expenses 1484 1576 1617 9 3 2853 3194 12 6357 -Employee Cost 698 717 784 12 9 1385 1501 8 3104 -Other Operating Cost 786 859 833 6 (3) 1468 1693 15 3253 Operating Profit 1346 2052 2208 64 8 4214 4259 1 7495 OP. Excl. gain on strategic sale 1346 1911 1827 36 (4) 4214 3738 (11) 7494 Provisions & Contingencies (Excl. Tax) 571 959 771 35 (20) 2415 1730 (28) 3886 Profit/(Loss) Before Tax 775 1093 1437 85 31 1799 2529 41 3609 Ταχ 208 337 609 193 81 629 945 50 1169 Profit/(Loss) After Tax 567 756 828 46 10 1170 1584 35 2439 IDBI BANK Page 9#10Profitability 884 111 86 401 200 47 828 567 46% +48% +11% +12% +6% +35% +193% PAT Q2 FY22 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. (Excl. Tax) Tax PAT Q2 FY23 866 116 225 316 (480) (685) 1584 1170 35% +20% -18% +8% +15% -28% +50% PAT H1 FY22 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. (Excl. Tax) Tax PAT H1 FY23 (Rs.Crore) IDBI BANK Page 10#11Net Interest Income Interest Income Particulars (Rs.Crore) Quarter ended Variance Half Year Ended Variance % FY22 Sep-21 Jun-22 Sep-22 YOY% QoQ% Sep-21 Sep-22 Interest on Advances 2668 2804 3232 21 15 6066 6036 11990 Interest on Invest. 1329 1534 1541 16 2677 3075 15 5341 including bal. with RBI & Other Inter Bank Funds Other Interest Income 157 296 205 31 (31) 327 501 53 961 Interest Income 4154 4634 4978 20 7 9070 9612 6 18292 Interest Expense Interest paid on Deposits 1938 1854 1896 (2) 2 3974 3751 (6) 7775 Interest paid on Borrowings 308 236 234 (24) (1) 618 469 (24) 1172 Interest on RBI / inter bank borrowings 54 56 110 104 96 118 166 41 183 Total Interest Expenses 2300 2146 2240 (3) 4 4710 4386 (7) 9130 Net Interest Income 1854 2488 2738 48 10 4360 5226 20 9162 NIM % 3.02 4.02 4.37 135 bps 35 bps 3.54 4.22 68 bps 3.73 NII (Excl. interest on IT Refund) 1854 2310 2644 43 14 4359 4954 14 8810 NIM % (Excl. interest on IT Refund) 3.02 3.73 4.22 120 bps 49 bps 3.54 4.00 46 bps 3.59 IDBI BANK Page 11#12Other Income (Rs.Crore) Quarter ended Variance Half Year Ended Particulars Variance FY22 Sep-21 Jun-22 Sep-22 YOY % QoQ % Sep-21 Sep-22 Commission, exchange and brokerage 436 485 481 10 (1) 840 966 15 1814 Profit/ (Loss) on sale of investments 205 402 401 96 895 802 (10) 1058 Profit/(Loss) on revaluation of investments (net)^ (32) (66) (7) (78) (89) 60 60 (73) (222) 16 Profit/(Loss) on Forex 170 180 142 (16) (21) 334 321 (4) 730 Dividend Income 13 Recovery from W/O cases 137 41 Misc. Income Other Income 27 27 108 39 27 (31) 39 26 46 (81) (37) 468 67 (86) 846 47 98 17 (64) (83) 71 117 67 187 976 1140 1087 11 (5) 2707 2227 (18) 4690 A Regrouped from Provision & Contingencies in line with RBI Master Direction on financial Statement - Presentation and Disclosures IDBI BANK Page 12#13Provisions & Contingencies (Rs.Crore) Quarter ended Variance Half Year Ended Particulars Variance FY22 Sep-21 Jun-22 Sep-22 YOY QoQ Sep-21 Sep-22 Depreciation on Investment (62) 111 159 221 48 812 270 (542) 1923 Provision - NPAs (1426) 110 (63) 1363 (173) (1227) 47 1274 (588) Provision - Standard Assets 829 411 339 (490) (72) 1182 750 (432) 72 Provision - Restructured Assets 76 (60) (14) (90) 46 254 (74) (328) 190 Income Tax 208 337 609 401 272 629 945 316 1169 Bad Debts Written off Other Provisions Total 1023 172 8 (1015) (164) 1181 180 (1001) 1917 131 215 342 211 127 213 557 344 373 779 1296 1380 601 84 3044 2675 (369) 5056 IDBI BANK Page 13#14Yield Ratios (cumulative) 9.97% 9.69% Yield on Advances 9.75% 8.51% 9.03% 3.54% Sep 21 Dec 21 FY 22 Jun 22 Sep 22 40.36% Cost To Net Income 45.89% 43.50% NIM 4.22% 4.02% 3.73% 3.65% Sep 21 Dec 21 FY 22 Jun 22 Sep 22 43.44% 42.85% Sep 21 Dec 21 FY 22 Jun 22 Sep 22 IDBI BANK Page 14#15Cost of Funds & Cost of Deposits (cumulative) 3.66% Cost of Deposits 3.61% 3.56% Sep 21 Dec 21 FY 22 3.93% Cost of Funds 3.36% 3.40% Jun 22 Sep 22 3.88% 3.84% 3.61% 3.67% Sep 21 Dec 21 FY 22 Jun 22 Sep 22 IDBI BANK Page 15#16Business Performance IDBI BANK Page 16#17Balance Sheet As at LIABILITIES Capital Reserve & Surplus Deposits Borrowings Other Liabilities & Provisions Total Sep-21 Jun-22 Sep-22 (Rs.Crore) 10752 10752 10752 27230 31668 32498 223305 225269 230310 15386 15643 21691 14021 13070 13715 290694 296402 308966 ASSETS Cash & Balance with RBI 27920 15578 12989 Bal. with banks & money at call 12060 9845 14898 Investments 78894 88222 93148 Advances 125011 138046 146752 Fixed Assets Other Assets 7718 9920 9875 39091 34791 31304 Total 290694 296402 308966 IDBI BANK Page 17#18Business Performance Total Deposit 3% YoY 54.63% 230310 2% QoQ 225269 223305 CASA 55.65% (Rs.Crore) 56.19% CASA Deposits CASA Share 129407 125356 121996 Sep 21 Jun 22 Sep 22 Sep 21 Jun 22 Sep 22 Deposit Mix Deposit Mix 45.37% 44.35% 43.81% 0.02% QoQ 79236 83528 83547 5% YoY 35.48% 10% QoQ 42760 37.08% 41828 45860 7% YoY 36.28% 19.15% 18.57% 19.91% 2% YoY 0.31% QoQ 86658 88448 88173 13% YoY 6.56% 5.09% 5.53% 13% YoY 14651 Sep 21 11465 Jun 22 12730 Sep 22 ■Saving Deposits Current Deposits Retail Deposits Bulk Deposits Sep 21 Jun 22 Sep 22 Time Deposits to Total Deposits % SB Deposits to Total Deposits % Current Deposits to Total Deposits % Bulk Deposits to Total Deposits % IDBI BANK Page 18#19Business Performance Saving Deposits 5% YoY 83528 83547 79236 Sep 21 Jun 22 Current Deposits Sep 22 45860 42760 41828 0.02% QoQ 7% YoY 10% QoQ Retail Deposits (Rs.Crore) 2% YoY 0.31% QoQ 88448 88173 86658 Sep 21 Jun 22 Sep 22 Bulk Deposits 14651 12730 11465 Sep 21 Jun 22 Sep 22 Sep 21 Jun 22 Sep 22 IDBI BANK 13% YoY 11% QOQ Page 19#20Business Performance and Advances Gross Advances Retail Advances ■Agri Advances ■MSME Advances Corporate Housing Loan (Rs.Crore) Structured Retail Assets ■Loan Against Property Auto Loan, Education Loan & Personal Loan 37% 37% 35% 3286 12343 3473 12862 3689 13164 12% 8% 8% 65588 68448 13% 13% 60093 13% 49252 51595 44464 42% 44% 38% Sep-21 Jun-22 Sep-22 Sep-21 Gross Advances as on Sep 2022 ■-Corporate - Retail 1-Overseas Advances -Domestic Advances 35% 4% 54495 65% 96% 30781 21120 Jun-22 Sep-22 # Service sector includes trade, NBFCs, professional, commercial real estate, transport operators, computer software, shipping, tourism, hotel and restaurants etc. ^ Personal Loans includes Housing Loan, Education Loan, Auto Loans & Other Retail Loans. 60100 7452 Agriculture ■Industry ■Services # ■Personal Loans ^ ■ Others IDBI BANK Page 20#21Business Performance Gross Advances 157506 Corporate 170390 ■Retail 173948 123098 Standard Gross Advances Corporate 136482 ■ Retail 145226 98785 107310 112203 92002 100540 105327 58721 63080 61745 31096 35942 39899 Sep-21 Jun-22 Sep-22 Sep-21 Jun-22 Sep-22 37% 63% Sep-21 Corporate: Retail (Ratio) Corporate ■ Retail 37% Jun-22 63% Net Advances 146752 138046 125011 65% 35% Sep-22 (Rs.Crore) Sep 21 Jun 22 Sep 22 IDBI BANK Page 21#22Priority Sector Sep 21 Mar 22 Sep 22 Particulars Amount % of ANBC 1 2 3 Amount 4 % of ANBC 5 Amount 6 % of ANBC 7 (Rs.Crore) Growth over March-22 (8)=[(6)-(4)] 155281 152079 155295 73835 47.55 67583 44.44 72344 46.58 4761 ANBC Priority Sector Advances (a+b+c) (a) Agriculture (i+ii+iii+iv) 29068 18.72 29731 19.55 31797 20.48 2066 (i) Direct Lending to Agri-Non Corporate 20516 13.21 22021 14.48 22687 14.61 666 (ii) Other Agri 1745 1.12 1640 1.08 1806 1.16 166 (iii) Indirect Agriculture (RIDF) 9706 6.25 8971 5.90 7904 5.09 (1067) (iv) PSLC (Agri) sale (2900) (2900) (600) 2300 (b) MSME (Micro, Medium & Small Enterprises) 28686 18.47 26958 17.73 24529 15.80 (2429) (c) Other Priority Sector Advances (i+ii+iii) 16082 10.36 10894 7.16 16018 10.31 5124 (i) Housing 24093 15.52 18904 12.43 17746 11.43 (1158) (ii) Others 813 0.52 815 0.54 872 0.56 (iii) PSLC (General) sale (8825) (8825) (2600) 57 6225 IDBI BANK Page 22#23Treasury Operations IDBI BANK Page 23#24Investments AFS BREAKUP Government securities Shares (Equity & Preference) Debentures/ Bonds CPS/CDs/MF/VCF/PTC'S,Security Receipts, etc 3166 4494 316 (Rs.Crore) Category Sep-21 Jun-22 Sep-22 HTM 55661 62765 63678 AFS 22853 24202 25879 HFT 380 1255 3591 17903 Total 78894 88222 93148 Modified Duration of AFS Portfolio Modified Duration of Entire Portfolio Category Sep-21 Jun-22 Sep-22 SLR 56767 65695 67660 Non SLR 24512 25432 28368 4.52 Non SLR (Overseas) 4.13 178 79 301 Non SLR (SASF) 2752 2634 2634 TOTAL 84209 93840 98963 1.09 1.04 Less: Provision 5315 5618 5815 Net Investments 78894 88222 93148 Sep-21 Jun-22 1.27 4.09 Sep-22 IDBI BANK Page 24#25Asset Quality IDBI BANK Page 25#26COVID-19 – Provision Details - Particulars (Rs.Crore) Sep-21 Mar-22 Jun-22 Sep-22 247 116 116 116 116 In QE March 2020 In QE June 2020 COVID Second Wave (Additional provision in QE March 2021) 500 COVID Restructuring Total COVID 19 Provision held Contingency Provision on Std. Restr. under RF 1, RF 2 and MSME OTR @ @Excludes corporate accounts 484 415 360 370 1347 531 476 486 777 980 IDBI BANK Page 26#27Asset Quality PCR improved to 97.86% (Sep 2022) from 97.27% (Sep 2021) (Rs.Crore) Particulars Gross Advances Gross NPAs Sep-21 157506 Dec-21 Mar-22 Jun-22 Sep-22 158717 169207 170390 173948 34408 34405 34115 33908 28722 Gross NPAs as % of Gross Advances 21.85 21.68 20.16 19.90 16.51 Total Provisions held (including NCLT Provision) 32275 32116 32259 32176 27035 Net Advances 125011 126372 136772 138046 146752 Net NPAs 2132 2289 1856 1732 1687 Net NPAs as % of Net Advances 1.71 1.81 1.36 1.25 1.15 Provision Coverage Ratio as per RBI Guidelines 97.27 97.10 97.63 97.79 97.86 Category Gross NPA Provision Net NPA Provision % # Technical Write Off Amount Sub Standard Assets 1116 313 803 28% Corporate TWO 47055 -of which 100% provided 123 123 100% Retail TWO 2937 Doubtful-1 Assets 1575 930 645 59% Total TWO 49992 -of which 100% provided 562 562 100% Doubtful-2 Assets 1312 1073 239 82% -of which 100% provided 649 649 100% Doubtful-3 Assets 3880 3880 100% Loss Assets 20839 20839 100% Total 28722 27035 1687 94% # Excluding TWO provision Out of total GNPA of Rs.28722 crore, Rs.26053 crore is 100% provided. Overall 33% GNPA (excluding DA3 and loss) is 100% provided. TWO and 100% provided GNPA aggregates to Rs.76045 crore IDBI BANK Page 27#28NPA Movement DESCRIPTION Opening Balance Add: a. First Time NPA - Corporate (Rs.Crore) Q2 FY 22 Q3 FY 22 Q4 FY 22 FY 22 Q1 FY 23 Q2 FY 23 35594 34408 34405 36212 34115 33908 1438 1639 763 5172 964 524 652 1066 337 2155 443 53 - Retail 786 573 426 3017 521 471 b. Increase in existing NPA 103 201 145 694 252 139 Less: c. Settled d. Up-gradation e. Written off Closing Balance 1436 297 459 2779 721 419 474 233 579 2295 171 221 817 1313 160 2889 531 5209 34408 34405 34115 34115 33908 28722 Increment (1186) (3) (290) (2097) (207) (5186) FTNPA on Net Basis 1176 1552 682 4200 843 447 Slippage Ratio (Annualized) (%) (FTNPA on Net Basis) $ 3.88 5.04 2.19 3.34 2.50 1.31 Credit Cost (%) (Annualized) 0.27 1.16 ^ 0.90 0.52 0.18 $ FTNPA on Net Basis - FTNPA excluding NPA upgraded in same quarter. ^ For full FY IDBI BANK Page 28#29NCLT - Summary ■NCLT Admitted 9474 7768 31193 PCR % ■ DA 3 and Loss ■DA 2, DA 1 & SSA 48435 100% 100% 99.99% 99.99% RBI List 1 RBI List 2 Others Total RBI List 1 RBI List 2 Others Total ■Filed But Not Admitted 1836 10984 100% 9148 RBI List 2 Others Total 73% 67% PCR% ■Filed By 728 33399 55 14981 Asset Class of NCLT Cases 4998 5258 (Rs.Crore) ■TWO 10984 RBI List 2 Others Total IDBI OC & CD FC Total OC - Operational Creditors; CD - Corporate Debtors; FC - Financial Creditors IDBI BANK Page 29#30SMA Position 5024 ■ SMA O ■ SMA 1 ■SMA 2 4693 2319 2290 1759 1582 946 821 Sep-21 Corporate Retail Dec-21 4505 2285 1580 640 Mar-22 2597 4705 4565 (Rs.Crore) 2247 1323 1015 1093 995 Jun-22 Sep-22 4141 3867 3284 3822 3952 883 1221 Sep-21 826 Dec-21 883 Mar-22 Jun-22 613 Sep-22 SMA includes NFB of Rs.373 cr, Rs. 197 cr, Rs. 129 cr, Rs.88 cr and Rs. 170 cr on Sep 30, 2021, Dec 31, 2021 Mar 31, 2022, Jun 30, 2022 and Sep 30, 2022 respectively IDBI BANK Page 30#31Capital IDBI BANK Page 31#32Capital Adequacy Particulars CET 1+CCB (Rs.) AT 1 (Rs.) (Rs.Crore) Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 21295 21359 25787 26349 26913 Tier 1 Capital (Rs.) 21295 21359 25787 26349 26913 Tier 2 Capital (Rs.) 3932 3953 3672 3760 3841 Total Capital (Rs.) 25227 25312 29459 30109 30754 RWA (Rs.) 152028 151113 154559 153832 157840 Credit Risk 120644 119911 122452 121798 125250 Market Risk 11427 11245 12150 9680 10236 Operational Risk 19957 19957 19957 22354 22354 CET 1+CCB Ratio (%) 14.00 14.13 16.68 17.13 17.05 AT 1 (%) - Tier 1 Ratio (%) 14.00 14.13 16.68 17.13 17.05 Tier 2 Ratio (%) 2.59 2.62 2.38 2.44 2.43 CRAR (%) Leverage Ratio (%) 16.59 16.75 19.06 19.57 19.48 6.39 6.38 7.42 7.71 7.55 Total RWA NFB RWA Credit RWA/Gross Advances 157841 154559 153832 19359 16642 16450 152028 15114 15266 151113 76.60% 75.55% 72.37% 71.48% 72.00% Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 IDBI BANK Page 32#33Shareholding Pattern Sep 2021 45.48% LIC ■GOI 0.74% 4.54% 49.24% FI/FPI/Banks/MF/Insurance Others Particulars Book Value (Rs. per share) Market Capitalisation 52 Weeks High/Low (NSE) (Rs. per share) Closing Price (NSE) (Rs. per share) Earning Per Share (EPS) Sep-21 Rs.29.58 Rs.49,784 Cr Rs.48.75/Rs.26.35 Rs.46.30 Rs.0.53 Book Value = Net-worth/ No. of Shares; Net-worth excludes Revaluation Reserve 45.48% Sep 2022 (Rs.Crore) 0.19% 5.09% 49.24% LIC ■GOI FI/FPI/Banks/MF/Insurance Others Sep-22 Rs.32.47 Rs.44,354 Cr Rs.65.25/Rs.30.50 Rs.41.25 Rs.0.77 IDBI BANK Page 33#34Digital Banking & Financial Inclusion IDBI BANK Page 34#35Digital Footprint Customer Induced Financial Transaction Analysis HY September - 2021 1.95% 2.87% 3.75% 4.16% 5.82% 6.72% 9.69% 93% customer induced transaction routed through Digital Channel including ATM HY September - 2022 ■UPI ATM Cash withdrawl 2.04% 0.47% 0.75% 2.48% 2.76% 1.46% 3.32% 5.46% 6.40% 95% customer induced transaction routed Branch Manual Transactions ■Debit Card ■Branch Initiated Digital Transactions ■Internet Banking ■NACH Mobile Banking AePS 64.28% through Digital Channel including ATM 75.61% UPI has emerged as the preferred mode of transaction for Bank's customers. IDBI BANK Page 35#36Digital Footprint for Q2 FY 2023 Internet Banking Users (In Lakhs) BHIM UPI Users (In Lakhs) Mobile Banking Users (In Lakhs) 42.69 134.84 56.76 37.14 45.77 125.49 Sep-21 Sep-22 Sep-21 Sep-22 Sep-21 Sep-22 Merchant Base (In Lakhs) UPI Transactions (In Crores) Payment Acceptance Channels 1% 48160 2.43 2.36 29112 Sep-21 Sep-22 Sep-21 Sep-22 9% 3% 10% 77% ■BHIM/UPI Merchants ■ ATMs Physical POS ■Bharat QR Merchants AePS Merchants IDBI BANK Page 36#37Financial Inclusion Total PMJDY A/c (lakh) 8.54 8.54 8.51 PMJDY ACCOUNTS Aadhar Seeding under PMJDY (Lakhs) 6.60 8.54 8.53 RuPaycards issued (Lakhs) Sub Service Areas (Number) Villages Covered (Number) 484 7.07 490 Sep, 2021 Dec, 2021 Mar, 2022 Jun, 2022 Sep, 2022 Transactions through Individual Business Correspondent (BCs) No. of Transactions through BCs (lakh) Amount of Transactions (crore) 4133 4204 4244 3851 3890 3.74 119.78 93.33 353.05 358.98 362.23 2.62 327.73 332.80 2.31 1.91 2.01 83.3 71.47 74.01 Sep, 2021 Dec, 2021 PMJDY O/s Balance (cr.) Mar, 2022 Jun, 2022 Sep, 2022 -Average Balance (Rs.) Jul-Sep, Oct-Dec, Jan-Mar, Apr-Jun, Jul-Sep, 2021 2021 2022 2022 2022 Jul-Sep, Oct-Dec, Jan-Mar, Apr-Jun, Jul-Sep, 2021 2021 2022 2022 2022 IDBI BANK Page 37#38Financial Inclusion ■Sanction Outstanding 100 54 Shishu (No. of A/c - 53629) MUDRA Yojana as on Sep 30, 2022 1414 910 Kishor (No. of A/c - 61457) 2635 2090 Tarun (No. of A/c - 39768) (Rs.crore) Enrolment under Social security Scheme as on Sep 30, 2022 PMSBY Enrolments (in lakh) PMJJBY Enrolments (in lakh) 14.84 7.28 7.23 14.73 7.21 14.70 14.60 7.14 APY Subscription (in lakh) 4.39 4.24 4.09 3.72 3.53 Sep, 2021 Dec, 2021 Mar, 2022 Jun, 2022 Sep, 2022 14.48 7.07 Sep, 2021 Dec, 2021 Mar, 2022 Jun, 2022 Sep, 2022 Sep, 2021 Dec, 2021 Mar, 2022 Jun, 2022 Sep, 2022 IDBI BANK Page 38#39Subsidiaries IDBI BANK Page 39#40Subsidiaries Income PAT ROA Name of Company % Holding Line of Activity H1 FY 2023 H1 FY 2023 H1 FY 2023 IDBI Capital Market & Securities Ltd 100 Merchant Banking & Retail Broking 49.69 (50.78) 7.06 (9.24) 2.55% (3.25%) (Rs.crore) Net Worth H1 FY 2023 328.89 (322.00) 72.12 6.04 IDBI Intech Ltd 100 Technology Service Provider (69.92) (7.86) 5.00% (6.00%) 103.72 (94.80) 0.16 IDBI MF Trustee Co. Ltd. 100 Trustees of MF (0.18) 0.02 (0.04) 16.07 4.96 IDBI Asset Management Ltd 66.67 Asset Management Co. (16.14) (4.61) 39.11 22.40 IDBI Trusteeship Services Ltd 54.70 Trusteeship (43.15) (26.77) 2.71% (4.99%) 7.69% (7.61%) 7.41% (9.59%) 1.71 (1.65) 125.82 (115.36) 279.73 (258.08) Figures in () are of previous period IDBI BANK Page 40#41Way Forward IDBI BANK Page 41#42Looking Ahead: Focus Area Explore avenues to achieve business growth of 10% to 12% and maintain corporate to retail ratio at 40:60 Credit cost and net slippages ratio to be below 1% and 2.5% respectively on sustained basis PCR to be maintained above 90% level. Continue to have RoA and RoE of above 1% and 14% respectively. CRAR to be maintained above 15% Focus on maximising fee income and maintaining NIM above 3.25%. Target to maintain CASA ratio above 50% Lateral growth in portfolio through co-lending in the geographical locations where Bank does not have reach through its own network. To maintain cost to income ratio below 48% by optimizing its operating expenses and increasing productivity. GNPA to be gradually brought down with recovery target of Rs.4000 crore. Net NPA level to be maintained below 1.25%. Tie-up with Fintechs to scale up sourcing of business under Personal Loan & Education Loan. IDBI BANK Page 42#43THANK YOU www.idbibank.in @idbi_bank f/IDBI Bank O @idbibankofficial YouTube/idbibank in /idbibank Toll Free Nos.: 1800-209-4324/1800-22-1070. Non-Toll Free No.: 022-67719100. IDBI BANK Page 43