INVESTORS

PRESENTATION

FINANCIAL RESULTS
Q3 - FY 2023-24

January 20, 2024

Page 1
 Disclaimer
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Certain figures reported will not add-up due to rounding.

Page 2
Content

01 Highlights 05 Asset Quality

02 Financial Performance 06 Capital

03 Business Performance 07 Digital Banking

Financial Inclusion
and

04 Treasury Operations 08 Subsidiaries

09 Way Forward

Page 3
Highlights

Page 4
 Major Highlights for Q3 FY 2024 – Sustained Strong Performance

PAT - Rs.1458 crore Operating Profit - NII - Rs.3435 crore ROA - 1.70% Cost to Net Income
Rs.2327 crore NIM - 4.72% ROE - 19.57% Ratio - 47.22%
PBT - Rs.2007 crore
[Core NIM - 3.91%]

Net Adv. -

Total CRAR - 20.32% Cost of deposit - 4.34% Rs.175001 crore Net NPA - 0.34%
Total RWA -
Tier 1 Capital - 18.04% Rs.172145 crore Cost of funds - 4.60%. Deposit - GNPA - 4.69%
Rs.258525 crore PCR - 99.17%
CASA ratio - 49.88%

Page 5
Key Metrics for Q3 FY 2024

Profitability - Strong operating momentum

 PAT at Rs.1458 crore, up by 57% YoY and 10% QoQ

 PBT at Rs.2007 crore, up by 58% YoY
 Operating Profit at Rs.2327 crore up by 13% YoY and 12% QoQ
 NII at Rs.3435 crore, grew by 17% YoY and 12% QoQ
 NIM at 4.72%
 Cost to Net Income Ratio (CIR) at 47.22%

Business Performance - Focus on Granularity

 CASA ratio at 49.88%. CASA at Rs.128962 crore

 Retail Corporate Ratio (Gross Advances) stood at 71:29 against 67:33 as on Dec 2022

 Net Advances at Rs.175001 crore grew by 18% YoY and 4% QoQ

Page 6
Key Metrics for Q3 FY 2024 (contd.)

Asset Quality - Improving Trend

 Net NPA at 0.34%, reduction of 74 bps YoY and 5 bps QoQ

 GNPA at 4.69%, reduction of 913 bps YoY and 21 bps QoQ

 PCR stood at 99.17%, improved by 119 bps YoY and 7 bps QoQ

Capital - Adequately Capitalised

 Tier 1 Capital at 18.04%, up by 44 bps YoY

 Total CRAR at 20.32%, up by 18 bps YoY

 Total RWA stood at Rs.172145 crore

Page 7
Financial Performance

Page 8
Profit & Loss
(Rs.Crore)
Quarter ended Variance Nine Month Ended
Particulars Variance% FY23
Dec-22 Sep-23 Dec-23 YoY% QoQ% Dec-22 Dec-23
Interest Income 5231 6035 6541 25 8 14844 19436 31 20570

Interest Expenses 2306 2968 3106 35 5 6693 8937 34 9139

Net Interest Income 2925 3067 3435 17 12 8151 10499 29 11431

Other Income 857 889 973 14 9 3084 2715 (12) 4372

Net Total Income 3782 3956 4408 17 11 11235 13214 18 15803

Operating Expenses 1731 1884 2081 20 10 4924 5797 18 7067

-Employee Cost 811 907 1093 35 20 2312 2949 28 3533

-Other Operating Cost 920 977 988 7 1 2612 2848 9 3534

Operating Profit 2051 2072 2327 13 12 6311 7417 18 8736

Provisions & Contingencies (Excl. Tax) 784 (227) 320 (59) 241 2514 1283 (49) 3498

Profit/(Loss) Before Tax 1267 2299 2007 58 (13) 3797 6134 62 5238

Tax 340 976 549 61 (44) 1285 2128 66 1593

Profit/(Loss) After Tax 927 1323 1458 57 10 2512 4006 59 3645

Page 9
 Net Interest Income
(Rs.Crore)

Quarter ended Variance Nine Month Ended

Particulars Variance% FY23
Dec-22 Sep-23 Dec-23 YoY% QoQ% Dec-22 Dec-23
Interest Income

Interest on Advances 3459 4019 4328 25 8 9495 13209 39 13337

Interest on Investments 1497 1872 2005 34 7 4339 5670 31 5949

Interest balances with RBI & Other Inter Bank Funds 147 77 45 (69) (41) 381 258 (32) 566

Other Interest Income 128 67 163 27 143 629 299 (52) 718

Interest Income 5231 6035 6541 25 8 14844 19436 31 20570

Interest Expense
Interest paid on Deposits 1947 2572 2708 39 5 5690 7730 36 7829

Interest on RBI / inter bank borrowings 143 213 216 51 1 309 662 114 438

Interest paid on Borrowings 216 183 182 (16) 0 694 545 (21) 872

Total Interest Expenses 2306 2968 3106 35 5 6693 8937 34 9139

Net Interest Income 2925 3067 3435 17 12 8151 10499 29 11431

NIM % 4.59% 4.33% 4.72% 13 bps 39 bps 4.35% 4.94% 59 4.52%

Core NIM % 3.93 3.94 3.91 (2) bps (3) bps 3.57 3.93 36 bps 3.72

Core NIM = NIM excluding interest on IT refund and interest income from NPA & TWO accounts
Page 10
 Other Income
(Rs.Crore)

Quarter ended Variance Nine Month Ended

Particulars Variance% FY23
Dec-22 Sep-23 Dec-23 YoY% QoQ% Dec-22 Dec-23

Commission, exchange and brokerage 473 473 484 2 2 1439 1411 (2) 1924

Profit/ (Loss) on sale of investments 49 87 279 465 220 852 504 (41) 873

Profit/(Loss) on revaluation of investments (net) 74 20 26 (65) 30 1 74 7300 51

Profit/(Loss) on Forex 156 69 84 (46) 22 477 268 (44) 616

Dividend Income 8 18 - - - 35 18 (49) 35

Recovery from W/O cases 81 208 91 13 (56) 148 391 164 716

Misc. Income 16 14 9 (43) (39) 132 49 (63) 157

Other Income 857 889 973 14 9 3084 2715 (12) 4372

Page 11
 Provisions & Contingencies
(Rs.Crore)

Quarter ended Nine Month Ended

Particulars FY23
Dec-22 Sep-23 Dec-23 Dec-22 Dec-23

Depreciation on Investment (19) - 295 251 241 1188

Provision – NPAs 233 (113) (446) 279 22 (5190)

Provision – Standard Assets 291 (260) (84) 1042 145 1905

Provision - Restructured Assets (8) (22) (12) (82) (28) (57)

Income Tax 340 976 549 1285 2129 1593

Bad Debts Written off 251 84 429 431 632 4018

Other Provisions 36 84 137 593 270 1634

Total 1124 749 868 3799 3411 5091

Page 12
 Yield Ratios

Yield on Advances NIM

12.47%

5.80%
10.45% 10.47% 5.01%
4.72%

9.92% 4.59%
9.74% 4.33%

Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23

Cost To Net Income

46.91% 47.63%

47.22%
45.76%
37.75%

Dec 22 Mar 23 Jun 23 Sep 23 Dec 23

Q1 FY 2024 had one time high interest recovery from NPA/ TWO Accounts
Page 13
Cost of Funds & Cost of Deposits
Cost of Deposits

4.23% 4.34%
4.12%
3.71%

3.51%

Dec 22 Mar 23 Jun 23 Sep 23 Dec 23

Cost of Funds

4.49% 4.60%
4.40%
3.96%

3.82%

Dec 22 Mar 23 Jun 23 Sep 23 Dec 23

Page 14
Business Performance

Page 15
 Balance Sheet
(Rs.Crore)

As at Dec-22 Sep-23 Dec-23

LIABILITIES
Capital 10752 10752 10752
Reserve & Surplus 33419 36047 37489
Deposits 232671 249481 258525
Borrowings 15814 20651 23038
Other Liabilities & Provisions 14134 17310 17405
Total 306790 334241 347209
ASSETS
Cash & Balance with RBI 14999 13903 12826
Bal. with banks & money at call 10921 3633 8416
Investments 93155 112139 116437
Advances 148384 168502 175001
Fixed Assets 9824 9622 9542
Other Assets 29507 26442 24987
Total 306790 334241 347209

Page 16
Business Performance
(Rs.Crore)
Total Deposit CASA
54.44% CASA Deposits
258525 11% YoY 51.49%
249481 CASA Share
49.88%
232671 4% QoQ

128962
128464
126663

Dec 22 Sep 23 Dec 23 Dec 22 Sep 23 Dec 23

Deposit Mix Deposit Mix

45.56% 48.51% 50.12%
Time Deposits to Total Deposits %
2% QoQ 3% YoY
84093 85780 35.78% 33.71% 33.18% SB Deposits to Total Deposits %
83245
3% QoQ 43182 1% YoY
44371
43418
17.79% 16.70%
5% YoY 18.66%
2% QoQ 89973 92076
87666 12.44% 14.50% Current Deposits to Total Deposits %
7.88%
21% QoQ 37486 104% YoY Bulk Deposits to Total Deposits %
18342 31044

Dec 22 Sep 23 Dec 23 Dec 22 Sep 23 Dec 23

Saving Deposits Current Deposits Retail Deposits Bulk Deposits

Page 17
Business Performance
(Rs.Crore)
Saving Deposits Current Deposits
3% YoY 1% YoY

2% QoQ 3% QoQ

84093 85780 43418 44371 43182

83245

Dec 22 Sep 23 Dec 23 Dec 22 Sep 23 Dec 23

Retail Deposits Bulk Deposits

5% YoY 104% YoY
2% QoQ 21% QoQ

92076 37486
89973 31044
87666
18342

Dec 22 Sep 23 Dec 23 Dec 22 Sep 23 Dec 23

Page 18
 Business Performance and Advances
(Rs.Crore)
Gross Advances Structured Retail Assets
Corporate MSME Advances Agri Advances Retail Advances Auto Loan, Education Loan & Personal Loan Loan Against Property Housing Loan

4475 4744
30% 29% 3851
33% 13691 14020
13265
8% 9% 8%
7% 7% 6%
76220 78374
70718
53602 58054 59610
52% 54% 57%

Dec-22 Sep-23 Dec-23 Dec-22 Sep-23 Dec-23

Basis: Product Wise Excludes Staff home loan, LAS & MEOD of Rs.2955 crore as on Dec 31, 2023

Gross Advances as on Dec 2023

Retail Corporate Domestic Advances Overseas Advances

70331

Personal Loans

9257 Industry
29%
Services
6% 41204
20437 Agriculture
94%
71%
Others

41768

Personal Loans includes Housing Loan, Education Loan, Auto Loans & Other Retail Loans. Service sector includes trade, NBFCs, professional, commercial real estate, transport operators, computer software,
shipping, tourism, hotel and restaurants etc.
Page 19
Business Performance
(Rs.Crore)

Standard Gross Advances

Corporate Retail

167851 174408
146788
19% YoY

108146 117295 123728

4% QoQ
38642 50556 50680

Dec-22 Sep-23 Dec-23

Net Advances

18% YoY
175001
168502
148384
4% QoQ

Dec 22 Sep 23 Dec 23

Page 20
 Priority Sector
(Rs.Crore)

Dec 22 Mar 23 Dec 23 Growth Avg. achievement for

Particulars over FY23
Amount % of ANBC Amount % of ANBC Amount % of ANBC March-23 Amount % of ANBC
1 2 3 4 5 6 7 (8)=[(6)-(4)]
ANBC 156846 167357 171665 159034

Priority Sector Advances (a+b+c) 69244 44.15 64025 38.26 77134 44.93 13109 69822 43.90

(a) Agriculture (i+ii+iii+iv) 31253 19.93 31944 19.09 32002 18.64 58 31193 19.61

(i) Non-Corporate Farmers (NCF) 22839 14.56 24147 14.43 24972 14.55 825 22423 14.10

(ii) Other Agri 1865 1.19 1877 1.12 1969 1.15 92 1809 1.14

(iii) Indirect Agriculture (RIDF) 7148 4.56 6521 3.90 5061 2.95 (1460) 7461 4.69

(iv) PSLC (Agri) sale (600) (600) - (500)

MSME (Micro, Medium & Small
(b) 22819 14.55 16241 9.70 26715 15.56 10474 22237 13.98
Enterprises)

(c) Other Priority Sector Advances (i+ii+iii) 15172 9.67 15839 9.46 18417 10.73 2578 16392 10.31
(i) Housing 16834 10.73 17556 10.49 17581 10.24 25 17607 11.07
(ii) Others 938 0.60 883 0.53 836 0.49 (47) 884 0.56
(iii) PSLC (General) sale (2600) (2600) - (2100)

Basis: Sector Wise

Page 21
Treasury Operations

Page 22
Investments
(Rs.Crore)
AFS BREAKUP
Category Dec-22 Sep-23 Dec-23
6595
HTM 65273 70035 71094

3814 AFS 24365 35771 40262

HFT 3517 6333 5081

380
Total 93155 112139 116437
29472
Government securities
Shares (Equity& Preference)
Debentures/ Bonds
CPs/CDs/MF/VCF/PTC'S,Security Receipts,etc
Modified Duration of AFS Portfolio
Modified Duration of Entire Portfolio

Category Dec-22 Sep-23 Dec-23

SLR 67492 87141 86587
Non SLR 28491 28848 33968
Non SLR (Overseas) 267 313 313 4.05 3.92 3.68
Non SLR (SASF) 2634 879 879
2.33
TOTAL 98884 117181 121747 1.56
1.97
Less: Provision 5729 5042 5310
Net Investments 93155 112139 116437 Dec-22 Sep-23 Dec-23

Page 23
Asset Quality

Page 24
COVID -19 – Provision Details

(Rs.Crore)

Particulars Dec-22 Sep-23 Dec-23

COVID Provision 116 116 116

COVID Restructuring Provision 340 300 260

Total COVID 19 Provision held 456 416 376

Contingency Provision on Std. Restr. under RF 1, RF 2 and MSME OTR 1192 2175 1989

Page 25
Asset Quality
PCR improved to 99.17% (Dec 2023) from 97.98% (Dec 2022)
(Rs.Crore)
Particulars Dec-22 Sep-23 Dec-23
Gross Advances 170323 176496 182997
Gross NPAs 23535 8645 8589
Gross NPAs as % of Gross Advances 13.82 4.90 4.69
Total Provisions held (including NCLT Provision) 21939 7994 7996
Net Advances 148384 168502 175001
Net NPAs 1596 651 593
Net NPAs as % of Net Advances 1.08 0.39 0.34
Provision Coverage Ratio as per RBI Guidelines 97.98 99.10 99.17

Category Gross NPA Provision Net NPA Provision % #

Sub Standard Assets 789 337 452 43%
-of which 100% provided 166 166 - 100% Technical Write Off Amount
Doubtful-1 Assets 830 689 141 83% Corporate TWO 58956
-of which 100% provided 213 213 - 100% Retail TWO 4012
Doubtful-2 Assets 1268 1268 - 100% Total TWO 62968
Doubtful-3 Assets 658 658 - 100%
Loss Assets 5044 5044 - 100%
Total 8589 7996 593 93%
# Excluding TWO provision

Out of total GNPA of Rs.8589 crore, Rs.7349 crore is 100% provided. TWO and 100% provided GNPA aggregates to Rs.70317 crore

Page 26
NPA Movement
(Rs.Crore)

DESCRIPTION Q3 FY 23 Q2 FY 24 Q3 FY 24 FY 23
Opening Balance 28722 8763 8645 34115

Add:

a. First Time NPA 877 452 525 3165

b. Increase in existing NPA 134 39 89 586

Less:

c. Settled 367 272 198 4169

d. Up-gradation 209 243 156 801

e. Written off 5622 94 316 21927

Closing Balance 23535 8645 8589 10969

Increment (5187) (118) (56) (23146)

FTNPA on Net Basis $ 768 381 476 2676

Slippage Ratio (Annualized)(%) (FTNPA on Net Basis) $ 2.11 0.92 1.14 1.98

Credit Cost (%) (Annualized) 1.12 -ve -ve -ve

$ FTNPA on Net Basis – FTNPA excluding NPA upgraded in same quarter.

Page 27
SMA Position
(Rs.Crore)
SMA 0 SMA 1 SMA 2

4538
4193
3961

2271
1864 1675
1145 1141 1126 1238 1280
952

Dec-22 Sep-23 Dec-23

Corporate Retail

3992
3744 4129

217 546
64
Dec-22 Sep-23 Dec-23

SMA includes NFB of Rs.19 cr, Rs.71 cr and Rs.5 cr as on Dec 31, 2022, Sep 30, 2023 and Dec 31, 2023 respectively
Page 28
Capital

Page 29
Capital Adequacy
(Rs.Crore)

Particulars Dec-22 Sep-23 Dec-23

CET 1+CCB (Rs.) 27283 30487 31061
AT 1 (Rs.) - - -
Tier 1 Capital (Rs.) 27283 30487 31061
Tier 2 Capital (Rs.) 3938 3872 3926
Total Capital (Rs.) 31221 34359 34987
RWA (Rs.) 155036 161618 172145
Credit Risk 120873 119926 130904
Market Risk 11809 17428 16977
Operational Risk 22354 24264 24264
CET 1+CCB Ratio (%) 17.60 18.86 18.04
AT 1 (%) - - 0.00
Tier 1 Ratio (%) 17.60 18.86 18.04
Tier 2 Ratio (%) 2.54 2.40 2.28
CRAR (%) 20.14 21.26 20.32
Leverage Ratio (%) 7.76 8.01 7.90

Total RWA NFB RWA Credit RWA/Gross Advances

172145 16022
15272
161618 14121 70.97% 71.53%
155036 67.95%

Dec-22 Sep-23 Dec-23 Dec-22 Sep-23 Dec-23 Dec-22 Sep-23 Dec-23

Page 30
 Shareholding Pattern
(Rs.Crore)
Dec 2022 Dec 2023

0.25% 5.03% 0.48% 4.80%

45.48% 45.48%

49.24% 49.24%

LIC GOI FI/FPI/Banks/MF/Insurance Others LIC GOI FI/FPI/Banks/MF/Insurance Others

Particulars Dec-22 Dec-23

Book Value (Rs. per share) Rs.33.39 Rs.37.42
Market Capitalisation Rs.58,439 Cr Rs.72,471 Cr
52 Weeks High/ Low (NSE) (Rs. per share) Rs.61.00/Rs.30.50 Rs.74.75/Rs.42.90
Closing Price (NSE) (Rs. per share) Rs.54.35 Rs.67.40
Earning Per Share (EPS) (9 months) Rs.2.34 Rs.3.73

Book Value = Net-worth/ No. of Shares; Net-worth excludes Revaluation Reserve

Page 31
Digital Banking & Financial Inclusion

Page 32
 Digital Footprint
Customer Induced Financial Transaction Analysis

Dec 2022 Dec 2023

UPI
1.46% 0.44% 1.67% 1.30%
1.99% 1.70% ATM Cash withdrawl
1.81%
2.34%
Branch Manual Transactions
2.58% 4.70% 0.40%
1.42%
1.47% Debit Card
2.98%
3.28%
4.99% Branch Initiated Digital Transactions
4.08%
89% customer 97% customer
induced Internet Banking
6.02% induced
transaction routed transaction routed
NACH
through Digital through Digital
Channel Channel Others

Mobile Banking
75.73%
79.64% AePS

UPI continues as the preferred mode of transaction for Bank’s customers.

Page 33
Digital Footprint for Q3 FY 2024

Internet Banking Users (In Lakhs) BHIM UPI Users (In Lakhs) Mobile Banking Users (In Lakhs)

9.69 9.09 32.75

68.77
58.49 23.75

Dec-22 Dec-23 Dec-22 Dec-23 Dec-22 Dec-23

Merchant Base (In Lakhs) UPI Transactions (Rs.crore) Payment Acceptance Channels
1%

5% 3%
69768
3.65
53041 6% BHIM/UPI Merchants
2.77
85% ATMs
Physical PoS
Bharat QR Merchants
Dec-22 Dec-23 Dec-22 Dec-23 AePS Merchants

Based on Active Users

Page 34
Financial Inclusion
PMJDY

Total PMJDY A/c (lakh)

3408
3309 3275 3294
15.88 2970
15.45
15.28 15.27 520.88
506.11 523.02
505.40
10.32
306.60

Dec, 2022 Mar, 2023 Jun, 2023 Sep, 2023 Dec, 2023 Dec, 2022 Mar, 2023 Jun, 2023 Sep, 2023 Dec, 2023
PMJDY O/s Balance (cr.) Average Balance (Rs.)

Transactions through Individual Business Correspondent (BCs)

No. of Transactions through BCs (lakh) Amount of Transactions (crore)

4.19 133.85 131.41 135.19 132.65

4.09 4.01 123.96
3.70 3.83

Oct-Dec, 2022 Jan-Mar, 2023 Apr-Jun, 2023 Jul-Sep, 2023 Oct-Dec, 2023 Oct-Dec, 2022 Jan-Mar, 2023 Apr-Jun, 2023 Jul-Sep, 2023 Oct-Dec, 2023

Page 35
 Financial Inclusion
MUDRA Yojana as on Dec 31, 2023
Sanction Outstanding (Rs.crore)
3247

2448

1477
994
128
72

Shishu (No. of A/c - 92821) Kishor (No. of A/c - 65348) Tarun (No. of A/c - 47858)

Active Enrolment under Social security Scheme as on Dec 31, 2023

APY Subscription (in lakh) PMSBY Enrolments (in lakh) PMJJBY Enrolments (in lakh)

4.72 4.89 8.89 3.56

4.47 4.58 8.99
8.58 3.24
4.01 8.33 3.15
3.15
8.09
3.07

Dec, 2022 Mar, 2023 Jun, 2023 Sep, 2023 Dec, 2023 Dec, 2022 Mar, 2023 Jun, 2023 Sep, 2023 Dec, 2023 Dec, 2022 Mar, 2023 Jun, 2023 Sep, 2023 Dec, 2023

Page 36
Subsidiaries

Page 37
 Subsidiaries
(Rs.crore)

Income PAT RoA Net Worth

Name of Company % Holding Line of Activity
9M FY 2024 9M FY 2024 9M FY 2024 9M FY 2024
81.71 2.58 0.63% 332.68
IDBI Capital Market & Securities Ltd. 100 Merchant Banking & Retail Broking
(73.37) (7.48) (2.81%) (329.31)

116.45 7.91 6.00% 114.97

IDBI Intech Ltd. 100 Technology Service Provider
(110.72) (9.54) (8.00%) (107.22)

0.12 -0.05 -0.31% 1.67

IDBI MF Trustee Co. Ltd. 100 Trustees of MF
(0.25) (0.04) (1.36%) (1.72)

111.39 78.42 32.46% 212.78

IDBI Asset Management Ltd. 66.67 Asset Management Co.
(26.59) (9.48) (3.85%) (130.54)

72.34 41.75 12.45% 321.81

IDBI Trusteeship Services Ltd. 54.70 Trusteeship
(60.28) (33.92) (11.25%) (291.26)

Figures in () are of previous period

Page 38
Way Forward

Page 39
 Looking Ahead : Focus Area

 Lateral growth in
portfolio through co-
lending in the
 Credit cost and net
geographical
slippages ratio to be
locations where Bank
below 0.40% and
does not have reach
1.75% respectively on
through its own
sustained basis PCR to
network.
be maintained above
 Tie –up with Fintechs
90% level.
to scale up sourcing of
 GNPA to be
business under
gradually brought
Personal Loan &
 Explore avenues to down with recovery
Education Loan.
achieve business target of Rs.3000 crore.
growth of 12% to 14% Net NPA level to be
maintained below 1%.  Continue to have
and maintain
RoA and RoE of above
corporate to retail ratio
1.20% and 14%
at 35:65.
respectively. CRAR to
 Focus on maximising
be maintained above
fee income and
18%.
maintaining NIM
 To maintain cost to
above 3.50%. Target to
income ratio below
maintain CASA ratio
48% by optimizing its
above 50%
operating expenses
and increasing
productivity.

Page 40
Page 41