Investor Presentaiton

Net Interest Income Interest Income Particulars (Rs.Crore) Quarter ended Variance Half Year Ended Variance % FY22 Sep-21 Jun-22 Sep-22 YOY% QoQ% Sep-21 Sep-22 Interest on Advances 2668 2804 3232 21 15 6066 6036 11990 Interest on Invest. 1329 1534 1541 16 2677 3075 15 5341 including bal. with RBI & Other Inter Bank Funds Other Interest Income 157 296 205 31 (31) 327 501 53 961 Interest Income 4154 4634 4978 20 7 9070 9612 6 18292 Interest Expense Interest paid on Deposits 1938 1854 1896 (2) 2 3974 3751 (6) 7775 Interest paid on Borrowings 308 236 234 (24) (1) 618 469 (24) 1172 Interest on RBI / inter bank borrowings 54 56 110 104 96 118 166 41 183 Total Interest Expenses 2300 2146 2240 (3) 4 4710 4386 (7) 9130 Net Interest Income 1854 2488 2738 48 10 4360 5226 20 9162 NIM % 3.02 4.02 4.37 135 bps 35 bps 3.54 4.22 68 bps 3.73 NII (Excl. interest on IT Refund) 1854 2310 2644 43 14 4359 4954 14 8810 NIM % (Excl. interest on IT Refund) 3.02 3.73 4.22 120 bps 49 bps 3.54 4.00 46 bps 3.59 IDBI BANK Page 11

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