Investor Presentaiton

Key Metrics for Q2 FY 2023 Profitability - Strong operating momentum ■ PAT at Rs.828 crore, up by 46% YoY and 10% QoQ ☐ ☐ PBT at Rs.1437 crore, up by 86% YoY and 32% QoQ Operating Profit at Rs.2208 crore up by 64% YoY and 8% QoQ NII at Rs.2738 crore, grew by 48% YoY and 10% QoQ NIM at 4.37%, improved by 135 bps YoY and 35 bps QoQ Cost to Net Income Ratio (CIR) at 42.29% reduced by 1014 bps YoY and 115 bps QoQ Business Performance - Focus on Granularity ☐ CASA ratio at 56.19%, grew by 156 bps YoY. CASA at Rs. 129407 crore grew by 6% YoY and 3% QoQ ☐ Retail: Corporate Ratio (Gross Advances) improved to 65:35 from 63:37 as on Sep 2021 Net Advances at Rs. 146752 crore grew by 17% YoY and 6% QoQ IDBI BANK Page 6

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