Investor Presentaiton

Asset Quality PCR improved to 97.86% (Sep 2022) from 97.27% (Sep 2021) (Rs.Crore) Particulars Gross Advances Gross NPAs Sep-21 157506 Dec-21 Mar-22 Jun-22 Sep-22 158717 169207 170390 173948 34408 34405 34115 33908 28722 Gross NPAs as % of Gross Advances 21.85 21.68 20.16 19.90 16.51 Total Provisions held (including NCLT Provision) 32275 32116 32259 32176 27035 Net Advances 125011 126372 136772 138046 146752 Net NPAs 2132 2289 1856 1732 1687 Net NPAs as % of Net Advances 1.71 1.81 1.36 1.25 1.15 Provision Coverage Ratio as per RBI Guidelines 97.27 97.10 97.63 97.79 97.86 Category Gross NPA Provision Net NPA Provision % # Technical Write Off Amount Sub Standard Assets 1116 313 803 28% Corporate TWO 47055 -of which 100% provided 123 123 100% Retail TWO 2937 Doubtful-1 Assets 1575 930 645 59% Total TWO 49992 -of which 100% provided 562 562 100% Doubtful-2 Assets 1312 1073 239 82% -of which 100% provided 649 649 100% Doubtful-3 Assets 3880 3880 100% Loss Assets 20839 20839 100% Total 28722 27035 1687 94% # Excluding TWO provision Out of total GNPA of Rs.28722 crore, Rs.26053 crore is 100% provided. Overall 33% GNPA (excluding DA3 and loss) is 100% provided. TWO and 100% provided GNPA aggregates to Rs.76045 crore IDBI BANK Page 27

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