Investor Presentaiton

Compliance with Prompt Corrective Action (PCA) Matrix RBI takes IDBI out of PCA framework on March 10, 2021, which was imposed in May 2017 Bank stands complied with all parameters of PCA framework Risk IDBI-Actual Criteria Indicator Threshold 1 (T1) Threshold 2 (T2) Threshold 3 (T3) Mar-18 Mar-19 Mar-20 Mar-21 Status Capital CRAR+CCB (9%+2.5%) <11.5% but >=9% <9% but >7.5% <7.5% 10.41% 11.58% 13.31% 15.59% Complied With (Breach of either CRAR or CET1 Ratio to trigger PCA) CET 1+CCB (5.5+2.5)=8% >=6.375% but <8% >=4.875% but <6.375% <4.875% 7.42% 8.91% 10.54% 13.06% Complied With Asset Quality NNPA Ratio >=6% but <9% >=9% but <12% >=12% 16.69% 10.11% 4.19% 1.97% Complied With Profitability ROA (should be positive) -ve ROA for 2 consecutive yrs -ve ROA for 3 consecutive yrs -ve ROA for 4 consecutive yrs -ve ROA -ve ROA -ve ROA 0.46% Complied With Leverage Leverage Ratio <=4.0 but >=3.5 <3.5 4.25% 4.61% 4.97% 6.08% Complied With IDBI BANK Page 32

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