Investor Presentaiton
Looking 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
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