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Investor Presentaiton

Key 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
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