#1एक नई पहचान की ओर REDEFINING OURSELVES IDBI BANK INVESTORS PRESENTATION FINANCIAL RESULTS FY 2020-21 May 03, 2021 IDBI BANK Page 1#2Content 1 Highlights 2 Financial Performance 3 Business Performance 4 Treasury Operations 5 Asset Quality 9 7 80 9 10 Capital Prompt Corrective Action Matrix Digital Banking and Financial Inclusion Subsidiaries Way Forward IDBI BANK Page 2#3Highlights IDBI BANK Page 3#4Major Highlights for FY 2021 - Continued Balance Sheet Strengthening Bank back in black after 5 years, on annual basis Capital CRAR-15.59% RWA - Rs. 157471cr 1% YoY reduction RBI takes IDBI out of PCA framework on March 10, 2021, which was imposed in May 2017 Bank stands complied with all parameters of PCA No restrictions are there now on lending, but Bank would grow its book in calibrated manner Raised Equity of Rs. 1435 crore through QIP First Capital raise by the Bank from Public after 25 years (maiden IPO of Bank in 1995) in 3rd quarter Divested 23% stake in IDBI Federal Life Insurance in 3rd quarter Principal Recovery from NPA accounts stood Rs.4518 crore. Tier 1 -13.06% PAT Rs.1359 cr NII Rs.8518 cr - NIM - 3.38% CASA-50.45% Corporate: Retail Operating Profit Rs.7091 cr ROA -0.46% ROE - 10.06% Net NPA -1.97% PCR 96.90% All Subsidiaries posted profits for FY 2021 38:62 IDBI BANK Page 4#5Key Metrics for Q4 FY 2021 Profitability - Strong operating momentum ☐ ☐ ☐ PAT at Rs.512 crore, up by 278% YoY and 35% QoQ PBT at Rs.423 crore, up by 46% YoY Operating Profit at Rs.2879 crore, up by 54% YoY and 76% QoQ NII at Rs.3240 crore, grew by 38% YoY and 79% QoQ NIM for Q4 FY 21 at 5.14%, improved by 134 bps YoY and 227 bps QoQ Cost to Net Income Ratio at 34.87%, reduced by 1425 bps YoY and 1355 bps QoQ ☐ Business Performance - Focus on Granularity CASA ratio at 50.45%, grew by 271bps YoY. CASA at Rs. 116491 crore grew by 10% YoY. Structured Retail Assets grew by 2.74% YoY and 2.76% on QoQ - Retail: Corporate Ratio (Gross Advances) improved to 62:38 from 56:44 as on Mar 2020 Cost of deposit at 3.91% reduced by 91 bps YoY and 27 bps on QoQ. For FY 2021 – 4.29% Cost of funds at 4.16% reduced by 103 bps YoY and 23 bps on QoQ. For FY 2021 – 4.56% IDBI BANK Page 5#6Key Metrics for Q4 FY 2021 (contd.) I ☐ ☐ Asset Quality - Improving Trend Net NPA at 1.97%, improved by 222 bps YoY Net NPA improved by 78 bps against proforma Net NPA of 2.75% (as on Dec 31, 2020) GNPA at 22.37%, improved by 516 bps YoY and by 115 bps QoQ GNPA improved by 196 bps against proforma GNPA of 24.33% (as on Dec 31, 2020) PCR stood at 96.90%, improved by 316 bps YoY PCR improved by 100 bps against proforma PCR 95.90% (as on Dec 31, 2020) ₹ Capital - Adequately Capitalised Tier 1 Capital at 13.06%, up by 249 bps YoY and 84 bps QoQ Total CRAR at 15.59%, up by 228 bps YoY and 82 bps QoQ Total RWA at Rs.157471 Crore, reduction by 80 bps YoY and by 101 bps QoQ IDBI BANK Page 6#7Financial Performance IDBI BANK Page 7#8Profitability 884 873 (146) (191) (76) (245) 512 278% 135 +38% -11% -21% -9% +55% -158% PAT Q4 FY20 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. (Excl. Tax) Tax PAT Q4 FY21 (12887) 1540 155 (155) (129) (2910) (9357) 1359 Loss to Profit +22% +3% -5% -4% -66% -74% PAT FY20 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. (Excl. Tax) Tax PAT FY21 (Rs.Crore) IDBI BANK Page 8#9Profit & Loss Quarter ended Variance FY Ended (Rs.Crore) Variance Particulars Mar-20 Dec-20 Mar-21 YOY% QoQ% Mar-20 Mar-21 Interest Income 5598 4564 5782 3 27 20825 19932 (4) Interest Expenses 3242 2754 2542 (22) (8) 13847 11414 (18) Net Interest Income 2356 1810 3240 38 79 6978 8518 22 Other Income 1326 1368 1181 (11) (14) 4470 4625 3 Net Total Income 3683 3178 4421 20 39 11448 13143 15 Operating Expenses 1809 1539 1542 (15) 6336 6052 (4) -Employee Cost 924 796 733 (21) (8) 3245 3090 (5) -Other Operating Cost 885 742 809 (9) 9 3091 2962 (4) Operating Profit 1874 1639 2879 54 76 5112 7091 39 OP. Excl. gain on strategic sale 1877 1316 2879 53 119 4778 6657 39 Provisions & Contingencies (Excl. Tax) 1584 796 2457 55 209 14079 4722 (66) Profit/(Loss) Before Tax 290 843 423 46 (50) (8967) 2369 (126) Ταχ 154 465 (90) (158) (119) 3920 1009 (74) Profit/(Loss) After Tax 135 378 512 278 35 (12887) 1359 IDBI BANK Page 9#10Interest Income & Interest Expense Interest Income (Rs.Crore) Quarter ended Variance FY Ended Variance Mar-20 Dec-20 Mar-21 YOY% QoQ% Mar-20 Mar-21 Interest on Advances 3453 2916 2902 (16) 13093 11821 (10) Interest on Invest. 1553 1430 1376 (11) (4) 6234 5805 (7) including bal. with RBI & Other Inter Bank Funds Other Interest Income 592 218 1503 153 589 1498 2306 54 Interest Income 5598 4564 5782 3 27 20825 19932 (4) Interest Expense Interest paid on Deposits 2588 2267 2122 (18) (6) 11096 9255 (17) Interest paid on Borrowings 525 377 340 (35) (10) 2258 1605 (29) Interest on RBI / inter bank borrowings 129 111 80 (38) (28) 493 554 12 Total Interest Expenses 3242 2754 2542 (22) (8) 13847 11414 (18) Net Interest Income 2356 1810 3240 38 79 6978 8518 22 ------ NIM % 3.80 2.87 5.14 134 bps 227 bps 2.61 3.38 77 bps IDBI BANK Page 10#11Provisions & Contingencies (Rs.Crore) Quarter ended Variance FY Ended Particulars Variance Mar-20 Dec-20 Mar-21 YOY QOQ Mar-20 Mar-21 Depreciation on Investment 20 (105) 972 952 1077 1697 2078 381 Provision - NPAs (1511) 49 (1120) 391 (1168) 9483 (2571) (12054) Provision - Standard Assets 342 624 708 366 84 (728) 1839 2567 Provision Restructured Assets 27 36 9 (19) (27) (177) 38 215 Income Tax 154 465 (90) (244) (555) 3920 1009 (2911) Bad Debts Written off 2166 208 1376 (790) 1168 2740 2888 148 Other Provisions 540 (16) 513 (28) 528 1064 449 (615) Total 1738 1261 2367 629 1106 17999 5731 (12268) IDBI BANK Page 11#12Yield Ratios (cumulative) 9.56% 9.54% Yield on Advances 9.56% 2.61% 9.53% 9.49% FY 20 June 20 Sep 20 Dec 20 FY 21 55.35% 52.25% Cost To Net Income 53.60% 2.81% NIM 2.76% 2.79% 3.38% FY 20 June 20 Sep 20 Dec 20 FY 21 51.71% 46.05% FY 20 June 20 Sep 20 Dec 20 FY 21 IDBI BANK Page 12#13Yield Ratios (cumulative) 5.08% Cost of Deposits 4.65% 4.53% 4.41% 4.29% FY 20 June 20 Sep 20 Dec 20 FY 21 Cost of Funds 5.44% 4.96% 4.84% 4.69% 4.56% FY 20 June 20 Sep 20 Dec 20 FY 21 IDBI BANK Page 13#14Business Performance IDBI BANK Page 14#15Balance Sheet As at LIABILITIES Capital Reserve & Surplus Deposits Borrowings Other Liabilities & Provisions Total Mar-20 Dec-20 Mar-21 (Rs.Crore) 10381 10752 10752 23644 25545 26059 222424 224399 230898 36749 30647 15908 6730 11331 14147 299928 302674 297764 ASSETS Cash & Balance with RBI 10539 9066 13013 Bal. with banks & money at call 19892 34777 22209 Investments 81780 82783 81023 Advances 129842 124465 128150 Fixed Assets Other Assets 8129 7894 7827 49746 43689 45542 Total 299928 302674 297764 IDBI BANK Page 15#16Business Performance Total Deposit 222424 224399 Mar-20 4% YoY 230898 3% QOQ Dec-20 Deposit Mix Mar-21 47.74% CASA 48.97% CASA Deposits 50.45% CASA Share 116491 109880 106188 Mar-20 Dec-20 Deposit Mix 26821 17.35% 7% QoQ 28774 32% YoY 18.22% 39243 87586 2% QoQ 85746 14% YoY 76993 17.58% 29.52% 31.62% 32.87% 4% QoQ 40530 38927 40601 0.17% YoY 17.64% 12.82% 11.62% 7%QoQ 65658 70952 75891 16% YoY 52.26% 49.55% Mar-20 Dec-20 Mar-21 ■Saving Deposits Current Deposits Retail Deposits Bulk Deposits 51.03% Mar-20 Dec-20 Mar-21 Mar-21 Current Deposits to Total Deposits % SB Deposits to Total Deposits % Bulk Deposits to Total Deposits % Time Deposits to Total Deposits % IDBI BANK Page 16#17Business Performance Saving Deposits 75891 70952 65658 Mar-20 40530 Dec-20 Current Deposits 38927 Mar-21 16% YoY 7% QOQ 0.17% YoY 76993 Mar-20 Retail Deposits 87586 85746 Dec-20 Mar-21 Bulk Deposits 4% QoQ 40601 39243 28774 26821 Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 IDBI BANK 14% YoY 2% QoQ 32% YoY 7% QoQ Page 17#18Business Performance and Advances ■Retail Advances ■Agri Advances ■MSME Advances Corporate Housing Loan ■Loan Against Property ■Auto Loan ■Education Loan Personal Loan 606 582 561 1013 1073 1058 44% 40% 38% 1954 1869 1868 12789 12712 12818 8% 8% 7% 10% 12% 12% 42794 42795 44525 39% 40% 42% Mar-20 Dec-20 Mar-21 Mar-20 Gross Advances as on Mar 2021 1- Corporate - Retail -Overseas Advances 1-Domestic Advances Dec-20 Mar-21 27040 96% 38% 62126 52047 4% 62% 17799 2889 Agriculture Industry ■Services ■Personal Loans ■Others IDBI BANK Page 18#19Priority Sector Mar 20 Dec 20 Mar 21 Particulars 1 Amount % of ANBC Amount % of ANBC 2 3 4 5 Amount 6 % of ANBC 7 (Rs.Crore) Growth over March-20 (8)=[(6)-(2)] ANBC 186090 164885 169317 Priority Sector Advances (a+b+c) 77586 41.69 69525 42.17 69334 40.95 (8252) (a) Agriculture (i+ii+iii+iv) 30912 16.61 29964 18.17 29467 17.40 (1445) (i) Direct Lending to Agri-Non Corporate 25618 13.77 21400 12.98 21891 12.93 (3727) (ii) Other Agri 923 0.50 2288 1.39 2051 1.21 1128 (iii) Indirect Agriculture (RIDF) 15346 8.25 11676 7.08 10725 6.33 (4621) (iv) PSLC (Agri) sale (10975) (5400) (5200) 5775 (b) MSME (Micro, Medium & Small Enterprises) 29959 16.10 27630 16.76 27476 16.23 (2483) (c) Other Priority Sector Advances (i+ii+iii) 16715 8.98 11931 7.24 12391 7.32 (4324) (i) Housing 24075 12.94 24130 14.63 24626 14.54 551 (ii) Others 901 0.48 901 0.55 865 0.51 (36) (iii) PSLC (General) sale (8262) (13100) (13100) (4838) IDBI BANK Page 19#20Treasury Operations IDBI BANK Page 20#21Investments AFS BREAKUP Government securities Shares (Equity & Preference) Debentures/ Bonds CPS/CDs/MF/VCF/PTC'S,Security Receipts, etc (Rs.Crore) Category Mar-20 Dec-20 Mar-21 2400 HTM 57059 55519 57172 1227 843 AFS 24607 26736 23151 HFT 114 528 700 Total 81780 82783 81023 18681 Category Mar-20 Dec-20 Mar-21 SLR 61885 63549 61692 Non SLR 19127 19850 20875 Non SLR (Overseas) 841 30 184 Non SLR (SASF) 2842 2842 2752 TOTAL 84695 86271 85503 1.93 Less: Provision 2915 3488 4480 Net Investments 81780 82783 81023 5.50 Mar-20 Modified Duration of AFS Portfolio Modified Duration of Entire Portfolio 1.44 4.82 4.61 1.05 Dec-20 Mar-21 IDBI BANK Page 21#22Asset Quality IDBI BANK Page 22#23COVID-19 – Provision Details - In QE ended March 2020 In QE ended June 2020 COVID Second Wave Total COVID 19 Provision held (Rs.Crore) Particulars Mar-21 247 116 500 863 IDBI BANK Page 23#24Asset Quality PCR improved from 93.74% (Mar 2020) to 96.90% (Mar 2021) (Rs.Crore) Particulars Gross Advances Gross NPAs Mar-20 Jun-20 Sep-20 Dec-20 @ Mar-21 171690 165890 163841 159663 161901 47272 44475 41091 37559 36212 Gross NPAs as % of Gross Advances 27.53 26.81 25.08 23.52 22.37 Total Provisions held (including NCLT Provision) 41833 40001 37728 35148 33693 Net Advances 129842 125875 126103 124465 128150 Net NPAs 5439 4474 3363 2411 2519 Net NPAs as % of Net Advances 4.19 3.55 2.67 1.94 1.97 Provision Coverage Ratio as per RBI Guidelines 93.74 94.71 95.96 97.08 96.90 Category Gross NPA Provision Net NPA Provision % # Accelerated Provision - FY 2021 Sub Standard Assets 1445 335 1110 23% -of which 100% provided 100 100 100% Q 1 114 Doubtful-1 Assets 2652 1875 777 71% Q2 436 -of which 100% provided 1349 1350 100% Doubtful-2 Assets 10048 9416 632 94% Q3 546 -of which 100% provided 8907 8907 100% Doubtful-3 Assets 8883 8883 100% Q4 908 Loss Assets 13184 13184 100% Total FY 2021 2004 Total 36212 33693 2519 93% # Excluding TWO provision Out of total GNPA of Rs.36212 crore, Rs.32423 crore is 100% provided. Overall 73% GNPA (excluding DA3 and loss) is 100% provided. TWO and 100% provided GNPA aggregates to Rs.76201 crore @ With Proforma Slippages of Rs.1294 cr - GNPA Rs.38853 cr (24.33%), Net NPA Rs.3420 cr (2.75%) and PCR 95.90% IDBI BANK Page 24#25NPA Movement DESCRIPTION Opening Balance Add: Less: a. First Time NPA b. Increase in existing NPA c. Settled d. Up-gradation e. Written off Closing Balance Increment Recovery in TWO Slippage Ratio Cumulative (%) Slippage Ratio For the Qtr./ for FY (%) Credit Cost (%) (for Quarter) Credit Cost excluding accelerated provision (%) (for Quarter) Credit Cost (%) (Quarterly Annualized) Credit Cost excluding accelerated provision (%) (Quarterly Annualized) FTNPA/(Recovery + Upgradation) (%) (Rs.Crore) Q4 FY 20 FY 20 Q1 FY 21 Q2 FY 21 Q3 FY 21 Q4 FY 21 FY 21 49503 50028 47272 44475 41091 37559 47272 727 8384 69 32 - #2281 2382 531 2638 62 79 35 74 250 1457 6556 1288 1261 736 1233 4518 328 1286 44 28 22 689 782 1702 5936 1596 2206 2809 1780 8392 47272 47272 44475 41091 37559 36212 36212 (2231) (2756) (2797) (3385) (3532) (1347) (11060) 344 826 117 57 105 269 547 6.35 6.35 0.06 0.08 0.08 1.91 1.91 0.59 6.35 0.06 0.03 1.87 1.91 0.60 @-ve 0.27 0.57 0.60 0.35 @-ve 0.01 0.23 0.04 2.39 6.59 -ve 1.10 2.30 2.40 1.36 1.38 1.33 @-ve 0.03 0.93 0.16 0.12 34 97 5 2 104 41 #Hon'ble SC vide its judgment dated Mar 23, 2021, vacated interim relief granted earlier not to declare the accounts as NPA. Accordingly Bank has followed the asset classification of borrower accounts as per the extant RBI instructions/ IRAC norms. Proforma Slippages upto Dec 31, 2020 were Rs. 1294 crore. @Negative due to reversal in NPA provision on account of recovery and upgradation IDBI BANK Page 25#26NCLT - Summary NCLT Admitted 9,415 8,206 27,031 PCR % ■DA 3 and Loss ■DA 2, DA 1 & SSA 44652 100% 100% 99.96% 99.98% RBI List 1 RBI List 2 Others Total RBI List 1 RBI List 2 Others Total ■Filed But Not Admitted 1837 16940 100% 15103 RBI List 2 Others Total ■PCR% Filed By 73% 69% 3285 28789 5370 10493 Asset Class of NCLT Cases 8820 4835 (Rs.Crore) ■ TWO 16940 RBI List 2 Others Total IDBI OC & CD FC Total OC - Operational Creditors; CD - Corporate Debtors; FC - Financial Creditors IDBI BANK Page 26#27SMA Position 8441 3715 3191 Feb-20 5971 3033 1535 1709 Corporate Retail Mar-20 5735 4038 ■ SMA O ISMA 1 ■ SMA 2 3084 5326 7860 6742 6385 1542 1229 1012 922 530 493 Jun-20 2317 Sep-20 (Rs.Crore) 2956 2555 2348 2298 2466 1621 Dec-20 Mar-21 5826 5413 5146 2706 Feb-20 1933 Mar-20 767 Jun-20 1329 Sep-20 2034 Dec-20 1239 Mar-21 SMA includes NFB of Rs.933 cr, Rs.583 cr, Rs.38 cr, Rs.262 cr, Rs.342 cr and Rs.472 cr as on Feb 29, 2020, Mar 31, 2020, June 30, 2020, Sep 30, 2020, Dec 31, 2020 and Mar 31, 2021 respectively IDBI BANK Page 27#28Capital IDBI BANK Page 28#29Capital Adequacy Particulars CET 1+CCB (Rs.) AT 1 (Rs.) Mar-20 16736 Jun-20 Sep-20 Dec-20 17051 17403 19444 Mar-21 (Rs.Crore) 20572 49 Tier 1 Capital (Rs.) 16785 17051 17403 19444 20572 Tier 2 Capital (Rs.) 4344 4470 4106 4051 3981 Total Capital (Rs.) 21128 21521 21509 23495 24553 RWA (Rs.) 158746 160994 157323 159078 157471 Credit Risk 130480 129954 128088 127920 128419 Market Risk Operational Risk CET 1+CCB Ratio (%) AT 1 (%) Tier 1 Ratio (%) Tier 2 Ratio (%) CRAR (%) 11580 13318 11513 13436 11330 16686 17722 17722 17722 17722 10.54 10.59 11.06 12.22 13.06 0.03 10.57 10.59 2.74 13.31 2.55 14.77 Bank created Investment Fluctuation Reserve (IFR) (in terms of RBI circular dated April 2, 2018) - Rs.545 crore in FY 2021 by way of appropriation to P&L. IFR has been included in Tier-2 capital which otherwise is a part of profit and would have been taken to CET-1 capital and same would have been high to that extent 2.78 13.37 11.06 2.61 13.67 12.22 13.06 2.53 15.59 160994 158746 Total RWA 23553 22219 159078 157323 157471 NFB RWA Credit RWA/Gross Advances 80.12% 79.32% 78.34% 78.18% 20834 20501 20213 76.00% Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 IDBI BANK Page 29#30Shareholding Pattern Mar 2020 47.11% LIC ■GOI 0.17% 1.72% 51.00% FI/FPI/Banks/MF/Insurance Others 45.48% LIC ■GOI Mar 2021 1.65% 3.63% 49.24% (Rs.Crore) 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) (12 months) Mar-20 Rs.26.51 Rs.20,035 Cr Rs.47.45/ Rs.17.25 Rs.19.30 -ve Mar-21 Rs.28.39 Rs.41,451 Cr Rs.55.75/ Rs. 18.60 Rs.38.55 Rs.1.30 IDBI BANK Page 30#31Prompt Corrective Action IDBI BANK Page 31#32Compliance with Prompt Corrective Action (PCA) Matrix RBI takes IDBI out of PCA framework on March 10, 2021, which was imposed in May 2017 Bank stands complied with all parameters of PCA framework Risk IDBI-Actual Criteria Indicator Threshold 1 (T1) Threshold 2 (T2) Threshold 3 (T3) Mar-18 Mar-19 Mar-20 Mar-21 Status Capital CRAR+CCB (9%+2.5%) <11.5% but >=9% <9% but >7.5% <7.5% 10.41% 11.58% 13.31% 15.59% Complied With (Breach of either CRAR or CET1 Ratio to trigger PCA) CET 1+CCB (5.5+2.5)=8% >=6.375% but <8% >=4.875% but <6.375% <4.875% 7.42% 8.91% 10.54% 13.06% Complied With Asset Quality NNPA Ratio >=6% but <9% >=9% but <12% >=12% 16.69% 10.11% 4.19% 1.97% Complied With Profitability ROA (should be positive) -ve ROA for 2 consecutive yrs -ve ROA for 3 consecutive yrs -ve ROA for 4 consecutive yrs -ve ROA -ve ROA -ve ROA 0.46% Complied With Leverage Leverage Ratio <=4.0 but >=3.5 <3.5 4.25% 4.61% 4.97% 6.08% Complied With IDBI BANK Page 32#33Digital Banking & Financial Inclusion IDBI BANK Page 33#34Branches and Offices as on Mar 31, 2021 Rural Semi Urban Urban ■Metro ■DIFC & GIFT City ■RAC/RAO Regional Offices - СРС ■CPU/CCU/CMS/RPU Zonal Office ■ZTC / Head Training Center 426 464 585 409 210 2 76 61 པ་ 38 221 12 12 11 IDBI BANK Page 34#35Digital Footprint FY 2019-20 2.19% 0.50% 4.03% 7.84% Customer Induced Financial Transaction Analysis 30.56% 7.01% 87% customer induced 13.65% transaction routed through Digital Channel including 13.47% ATM 20.75% FY 2020-21 1.10% 3.73% 1.92% 4.84% 5.81% 91% customer ■UPI ATM Cash withdrawl Branch Manual Transactions ■Debit Card ■Branch Initiated Digital Transactions ■Internet Banking ■NACH induced Mobile Banking 8.36% transaction AePS routed through 52.06% 9.32% Digital Channel including ATM 12.86% Due to covid-19 outbreak, the volume of transactions of Debit Cards, Internet Banking, POS Terminals and ATMs have come down and UPI has emerged as the preferred mode of transaction for Bank's customers. IDBI BANK Page 35#36Digital Footprint for Q4 FY 2021 Internet Banking Users (In Lakhs) 112.46 BHIM UPI User (In Lakhs) Mobile Banking Users(In Lakhs) 121.54 29.67 40.80 30.40 35.13 Mar-20 Mar-21 Mar-20 Mar-21 Mar-20 Mar-21 Debit Cards (In Lakhs) Merchant Base (in lakhs) 126.41 132.40 2.22 1.64 Mar-20 Mar-21 Mar-20 Mar-21 Processed 5.24 crore transactions at Ecom/ POS in the FY 2021 1.96X YoY growth in the UPI transactions Processed 32.62 crore transactions in the FY 2021 1.01X YoY growth in Mobile banking transactions IDBI BANK Page 36#37Digital Footprint 3388 Payment Acceptance Channels (as on Mar 31, 2021) 29154 3221 157599 31980 ATMS/CRMS Physical Pos Bharat QR Merchants BHIM UPI Merchants AePS Merchants IDBI BANK Page 37#38Digital Footprint - Go Mobile+ and WhatsApp Banking Kufumb Go Mobile App の IDBI BANK The family that banks together stays together. XXXXXXX061 El 月 889 Calculators Products Contact Us mShoppi 08 Passbook Debit Card Transfer Ex Apply Now Requests 000 More NEW FUNCTIONALITIES/ SERVICES IDBI Bank has launched Virtual Debit Card in Mobile Banking Application as an additional feature. The features of Virtual Debit Card are as under:- *Instant Virtual Debit Card creation Choice of Visa/Master/Rupay Debit Card ⚫ Highly secure for online transactions Card validity of customer's choice • Manage & control of Virtual debit card facility through IDBI Bank Abhay App/Go Mobile+ App. Bank's Mobile APP Go Mobile+ is now available in 11 regional languages along with Hindi and English in Android & iOS platform. Market place has been made available under "Deals n Delight". Transaction progress indicator, biometric login and credit & debit card control have been implemented in mobile banking application. Bank has implemented IP whitelisting and restricted internet banking login access on regional holidays in internet banking application to strengthen the controls of payment ecosystem with SCB/UCBs. IDBI BANK Bank Aisa Dost Jaisa Making your banking experience smooth 24x7! Introducing WhatsApp Banking Say 'Hi' to 8860045678 IDBI Bank Ltd. Essential Banking Services now available 24/7 1. Account Balance 2. Mini Statement 3. Branch/ATM locator 4. Interest rates 5. Order Cheque Book 6. Request Email Statement and many more to come 4 ESSENTIAL BANKING SERVICES ON WHATSAPP BANKING 24*7 Account Balance Mini Statement Branch/ATM locator Interest rates Order Cheque book H Request Email Statement and many more to come. IDBI BANK Page 38#39Financial Inclusion Total PMJDY A/c (lakh) 8.44 8.43 8.46 8.45 PMJDY ACCOUNTS Aadhar Seeding under PMJDY (Lakhs) 6.55 8.48 RuPaycards issued (Lakhs) Sub Service Areas (Number) Villages Covered (Number) 488 7.07 490 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Transactions through Individual Business Correspondent (BCs) 3729 3701 3750 3890 No. of Transactions through BCs (lakh) Amount of Transactions (crore) 3346 76.59 329.82 2.01 2.01 66.43 314.84 313.70 317.55 60.82 1.78 57.91 282.08 1.64 Mar, 2020 Jun, 2020 Sep, 2020 IPMJDY O/s Balance (cr.) Dec, 2020 Mar, 2021 Average Balance (Rs.) Apr-Jun, 2020 Jun-Sep, Oct-Dec, Jan-Mar, 2020 2020 2021 Apr-Jun, Jun-Sep, 2020 2020 Oct-Dec, Jan-Mar, 2020 2021 IDBI BANK Page 39#40Financial Inclusion MUDRA Yojana as on Mar 31, 2021 Sanction Outstanding 185 90 Shishu (No. of A/c - 80674) 1465 871 1990 1505 (Rs.crore) Kishor (No. of A/c - 77876) Tarun (No. of A/c - 38294) Enrolment under Social security Scheme as on Mar 31, 2021 PMSBY Enrolments (in lakh) PMJJBY Enrolments (in lakh) 14.24 6.91 14.08 6.82 APY Subscription (in lakh) 3.29 3.01 2.81 2.54 2.33 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 13.72 13.65 13.66 6.65 6.59 6.61 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 IDBI BANK Page 40#41Subsidiaries IDBI BANK Page 41#42Subsidiaries All Subsidiaries posted profit in FY 2021 Income PAT Name of Company % Holding Line of Activity FY 2021 FY 2021 93.79 IDBI Capital Market & Securities Ltd 100 Merchant Banking & Retail Broking (71.77) 7.51 (-9.67) 115.08 12.07 IDBI Intech Ltd 100 Technology Service Provider (99.09) (9.07) 12.13% (12.31%) 0.36 0.03 IDBI MF Trustee Co. Ltd. 100 Trustees of MF (0.58) (0.10) 2.13% (6.34%) 31.98 4.53 IDBI Asset Management Ltd 66.67 Asset Management Co. (36.08) (0.75) 3.89% (0.66%) 73.77 40.09 IDBI Trusteeship Services Ltd 54.70 Trusteeship (65.29) (35.18) 15.65% (15.37%) ROA FY 2021 2.84% (-3.47%) (Rs.crore) Net Worth FY 2021 312.76 (305.25) 90.06 (63.04) 1.61 (1.57) 112.98 (108.56) 249.41 (224.40) Figures in () are of previous period IDBI BANK Page 42#43Way Forward IDBI BANK Page 43#44Looking Ahead: Focus Area Improvement in operating profit, majorly driven by increase in non interest income. Maintaining NIM in line with industry Benchmark >3%. Credit cost and slippages ratio to be below 1.5% and 2% respectively on sustained basis. PCR to be maintained above 90% level. Achieve RoA of ~1% by FY 2024. Achieve ROE between -12% for FY 2022. Bring Cost to Income ratio below 50% by March 31, 2022 and gradual improvement thereafter. Improving NII with credit growth driven from lending to mid corporate and MSME sector with its continued focus on retail segment mainly housing loan segment. GNPA to be gradually brought down with focus on recovery efforts. Net NPA level to be maintained below 3% till March 2022 and 2.5% thereafter. Maintaining adequate capital for growth and regulatory capital at all times with CRAR above 13% and CET above 11% on sustained basis Bank is now out of PCA framework, will ensure compliance all parameters continuous basis PCA on an IDBI BANK Page 44#45THANK YOU IDBI BANK Page 45