Investor Presentaiton

Disclaimer The information in this presentation is being provided by IDBI Bank Limited (referred to as 'the Bank'). The information contained in this presentation is confidential and may not be copied, published, distributed, transmitted or advertised in any media, website or otherwise. By attending a meeting where this presentation is made or by reading this presentation material, you agree to be bound by following limitations: The information in this presentation has been prepared for use in presentations by the Bank for information purposes only and does not constitute, or should be regarded as, or form part of any offer/ a prospectus / an offer document, / invitation / inducement or advertisement to sell or issue, or any solicitation or any offer to purchase or subscribe for, any securities of the Bank in any jurisdiction. The Bank reserves its rights to alter, modify, or otherwise change in any manner the information contained in this presentation without any obligation to update or to otherwise notify any person about such changes / alteration / modifications made by the Bank. The Bank makes no representation or warranty, express or implied, whatsoever, nor reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or any statement or opinions contained in this presentation. Neither the Bank nor any of its affiliates, directors, advisors, representatives or employees shall have any responsibility or liability whatsoever for any direct or indirect loss howsoever arising to or suffered by any person through use of the information contained in this presentation or otherwise arising in connection with this presentation. The information set out herein may be subject to further updates, completion, revision, verification and amendment and such information may change materially. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make independent analysis as you may consider necessary or appropriate before using such information.. Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results. By attending this presentation you acknowledge that you will be solely responsible for your own assessment of the market position of the Bank and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Bank's business. This presentation contains forward-looking statements based on the currently held beliefs and assumptions of the management of the Bank, which are expressed in good faith and, in their opinion, reasonable. Forward-looking statements involve known and unknown risks, uncertainties and other factors, which may cause the actual results, financial condition, performance or achievements of the Bank or industry results, to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, changes in demand, competition in our business including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes in technology, availability of financing, our ability to successfully complete and integrate our expansion plans, liabilities, political instability and general economic conditions affecting our industry. Unless otherwise indicated, the information contained herein is preliminary and indicative and is based on management information, current plans and estimates. Industry and market-related information is obtained or derived from industry publications and other sources and has not been verified by us. Given these risks, uncertainties and other factors, recipients of this document are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. Previous year figures have been regrouped / restated wherever applicable. By accessing this presentation, you accept this disclaimer and any claims arising out of or in connection with this presentation shall be governed by the laws of India and only the courts in Mumbai, India, and no other courts shall have jurisdiction over the same. IDBI BANK Page 2

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