Investor Presentaiton

Digital 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

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