INVESTORS

PRESENTATION

FINANCIAL RESULTS

Q1 - FY 2023-24

July 24, 2023

Page 1

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:

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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.

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Certain figures reported will not add-up due to rounding.

Page 2

Content

  1. Highlights
  2. Financial Performance
  3. Business Performance
  4. Treasury Operations
  5. Asset Quality
  6. Capital
  7. Digital Banking and Financial Inclusion
  8. Subsidiaries
  9. Way Forward

Page 3

Highlights

Page 4

Major Highlights for Q1 FY 2024 - Sustained Strong Performance

PAT - Rs.1224 crore PBT - Rs.1828 crore

ROA - 1.49%

ROE - 18.63%

Cost of deposit - 4.12% Cost of funds - 4.40%.

Operating Profit -

NII - Rs.3998 crore

Rs.3019 crore

Cost to Net Income Ratio

Total CRAR - 20.33%

37.75%

Tier 1 Capital - 17.93%

Net Adv. - Rs.165403 crore

CASA ratio - 52.61%

Deposit - Rs.244971 crore

NIM - 5.80%

[Core NIM - 3.94%]

Total RWA

Rs.166660 Crore

Net NPA - 0.44%

GNPA - 5.05%

PCR - 98.99%

Core NIM = NIM excluding interest on IT refund and interest income from NPA & TWO accounts

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IDBI Bank Limited published this content on 24 July 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 24 July 2023 10:05:10 UTC.