IDBI Bank Limited

rs,

.idbi.com October 21, 2022 The Manager (Listing) BSE Ltd., 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai — 400 001 The Manager (Listing) National Stock Exchange of India Ltd.

Rs.828 crore

ighlights Page 4 Major Highlights for Q2 FY 2023 – Continued Balance Sheet Strengthening PAT - Rs.828 crore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09

Rs.1437 crore

Major Highlights for Q2 FY 2023 – Continued Balance Sheet Strengthening PAT - Rs.828 crore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cos

Rs.2208 crore

Continued Balance Sheet Strengthening PAT - Rs.828 crore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Tot

Rs.2738 crore

eet Strengthening PAT - Rs.828 crore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier

4.37%

AT - Rs.828 crore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital -

1.09%

rore PBT - Rs.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Tota

15.21%

s.1437 crore Operating Profit - Rs.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Total RWA Rs.1578

42.29%

.2208 crore NII - Rs.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Total RWA Rs.157840 Crore Cost of deposit - 3.44% C

19.48%

.2738 crore NIM - 4.37% ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Total RWA Rs.157840 Crore Cost of deposit - 3.44% Cost of funds - 3.72%.

17.05%

ROA - 1.09% ROE - 15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Total RWA Rs.157840 Crore Cost of deposit - 3.44% Cost of funds - 3.72%. CASA ratio - 56.19%

Rs.157840 Crore

15.21% Cost to Net Income Ratio 42.29% Total CRAR - 19.48% Tier 1 Capital - 17.05% Total RWA Rs.157840 Crore Cost of deposit - 3.44% Cost of funds - 3.72%. CASA ratio - 56.19% Net Advances - Rs.146752 cro

“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 FTNPA on Net Basis Slippage Ratio (Annualized)(%) (FTNPA on Net Basis) $ Credit Cost (%) (Annualized) $ FTNPA on Net Basis – FTNPA excluding NPA upgraded in same quarter. ^ For full FY Q2 FY 22 Q3 FY 22 Q4 FY 22 FY 22 Q1 FY 23 Q2 FY 23 35594 34408 34405 36212 34115 33908 (Rs.Crore) 1438 652 786 103 1436 474 817 1639 1066 573 201 297 233 1313 763 337 426 145 459 579 160 5172 2155 3017 694 2779 2295 2889 964 443 521 252 721 171 531 524 53 471 139 419 221 5209 34408 34405 34115 34115 33908 28722 (1186) 1176 3.88 0.27 (3) 1552 5.04 1.16 (290) (2097) (207) (5186) 682 2.19 4200 3.34 ^ 0.90 843 2.50 0.52 447 1.31 0.18 Page 28 NCLT – Summary NCLT Admitted 48435 31193 9474 7768 100% 100% 99.99% 99.99% PCR % DA 3 and Loss DA 2, DA 1 & SSA TWO (Rs.Crore) 33399 55 14981 RBI List 1 RBI List 2 Others Total RBI List 1 RBI List 2 Others Total Asset Class of NCLT Cases Filed But Not Admitted PCR% Filed By 9148 10984 100% 10984 1836 67%