IDBI Bank Limited

rs,

411 Website : www.idbi.com The Manager (Listing) BSE Ltd., 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai — 400 001 Dear Sir/Madam, 02 J4 2022 The Manager (Listing) Nation

Rs.2439 crore

Highlights Page 4 Major Highlights for FY 2022 – Continued Balance Sheet Strengthening PAT - Rs.2439 crore PBT - Rs.3609 crore Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. in

Rs.3609 crore

4 Major Highlights for FY 2022 – Continued Balance Sheet Strengthening PAT - Rs.2439 crore PBT - Rs.3609 crore Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund

Rs.7495 crore

Continued Balance Sheet Strengthening PAT - Rs.2439 crore PBT - Rs.3609 crore Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60%

Rs.9162 crore

eet Strengthening PAT - Rs.2439 crore PBT - Rs.3609 crore Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income

3.73%

AT - Rs.2439 crore PBT - Rs.3609 crore Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89

3.59%

Operating Profit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital –

0.84%

fit Rs.7495 crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital – 16.68% Tota

13.60%

crore NII - Rs.9162 crore NIM - 3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital – 16.68% Total RWA Rs.1545

45.89%

3.73% NIM excl. interest on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital – 16.68% Total RWA Rs.154559 Crore Cost of deposit - 3.56% C

19.06%

est on IT Refund - 3.59% ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital – 16.68% Total RWA Rs.154559 Crore Cost of deposit - 3.56% Cost of funds - 3.84%.

16.68%

ROA - 0.84% ROE - 13.60% Cost to Net Income Ratio 45.89% Total CRAR – 19.06% Tier 1 Capital – 16.68% Total RWA Rs.154559 Crore Cost of deposit - 3.56% Cost of funds - 3.84%. CASA ratio - 56.77%

“Target to achieve RoA and RoE of above 1% and 14% respectively.”

“CRAR to be maintained above 15% GNPA to be gradually brought down with recovery target of Rs.4000 crore.”

“to maintain CASA ratio above 50% Target Lateral growth in portfolio through co-lending in the geographical locations where Bank does not have reach through its own network.”

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c. Settled d. Up-gradation e. Written off Closing Balance Increment Slippage Ratio Cumulative (%) (FTNPA on Net Basis) $ Credit Cost (%) (for Quarter) Q4 FY 21 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Q4 FY 22 FY 22 37559 47272 36212 35594 34408 34405 36212 (Rs.Crore) #2281 2382 1332 1438 1639 74 250 245 103 201 1233 4518 587 1436 689 782 1009 1780 8392 599 474 817 297 233 1313 763 145 459 579 160 5172 694 2779 2295 2889 36212 36212 35594 34408 34405 34115 34115 (1347) (11060) (618) (1186) (3) (290) (2097) 1.89 0.60 ^1.36 0.63 0.57 1.56 0.32 2.80 0.31 3.34 @-ve ^0.89 # Hon’ble SC vide its judgment dated Mar 23, 2021, vacated interim relief granted earlier not to declare the accounts as NPA. Accordingly Bank has followed the asset classification of borrower accounts as per the extant RBI instructions/ IRAC norms. $ FTNPA on Net Basis – FTNPA excluding NPA upgraded in same quarter. ^ For full FY @ Negative due to reversal of provisions Page 28 NCLT – Summary NCLT Admitted 47334 30206 9359 7769 1