Investor Presentaiton
Looking 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
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