Presentation to Analysts. April 2014

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Sydney Norman
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1 Presentation to Analysts April 2014

Genesis 1964-1976 1994-00 2003-06 2007-14 Set up by an Act of Parliament in 1964 as a subsidiary of the Central Bank (RBI) Ownership transferred to Govt.

2 Genesis Set up by an Act of Parliament in 1964 as a subsidiary of the Central Bank (RBI) Ownership transferred to Govt. in 1976 IDBI had been a policy bank in the area of industrial financing and development IDBI Act amended to permit private ownership upto 49%. Domestic IPO in 1995, reduces Govt. stake to 72%. Post capital restructuring in 2000, Govt. stake reduced to 58.5% IDBI Repeal Act passed in December 2003 for conversion to a banking company. Govt. ownership to be not below 51% Amalgamation of IDBI Bank Ltd. With IDBI Ltd. W.e.f. April 2, 2005 Oct amalgamated erstwhile UWB. Complete Networking (100% Core Banking) Name changed to IDBI Bank Ltd Achieved regulatory norms of SLR, CME Merged erstwhile subsidiaries IHFL & IGL with the Bank. Govt.stake increased from 52.67% to 65.14% by equity infusion Govt stake increased from 65.14% to 70.52% (equity infusion & conversion of Tier I bonds into equity) Govt stake increased from 70.52% to 76.50% by equity infusion 2

3 Leading provider of long term finance o Played an apex role in helping create the industrial and infrastructural base in the country o Total Investments generated ` 4000 billion (approx.) (over USD 80 bn) o Significant player in domestic debt syndication. Played a pivotal role in developing institutions that shaped the country s financial architecture o NSE - Electronic Stock Exchange, o NSDL - Securities Depository, o CARE - Rating Agency, o SHCIL - Depository Participant, e-stamping etc. 3 Status as Leading DFI o SIDBI - Funding institution for SSI and ME o Exim Bank- A bank to finance export Import o ARCIL - Asset reconstruction company o NeDFI - For development of North-East Region

Distribution Network Reach 1388 branches; 2301 ATMs 1- Overseas, 319-Metro, 426-Urban, 372-Semi Urban & 270-Rural Presence in 983 locations Network of : o 66 Retail Asset Centres o 6 PSG Processing

4 Distribution Network Reach 1388 branches; 2301 ATMs 1- Overseas, 319-Metro, 426-Urban, 372-Semi Urban & 270-Rural Presence in 983 locations Network of : o 66 Retail Asset Centres o 6 PSG Processing Centres o 21 Credit Processing Centres o 6 Regional Processing Units o 29 Central Clearing Units 8 Currency Chests across the country Internet banking 4 Regional & 1 Central Training College Corporate customers:3000+ Retail customer base: 6.5 million+ Global expansion plans Initiated the process for setting up Branch Offices at Singapore and Representative Office at Shanghai 4

ADVANCES DEPOSITS NII FEE INCOME OP PROFIT PAT Highlights (Q4FY 14 over Q4FY 13) 197686 235774 1574 875 1850 554 1% 4% 9% 16% 14% 7% 196306 227116

5 ADVANCES DEPOSITS NII FEE INCOME OP PROFIT PAT Highlights (Q4FY 14 over Q4FY 13) % 4% 9% 16% 14% 7% NIM CASA ROE ROA 0.78 Q4 FY13 Q4 FY14 Q4 FY14 Q4 FY13 5

ADVANCES DEPOSITS NII FEE INCOME OP PROFIT PAT Highlights (FY 14 over FY 13) 197686 235774 6021 2463 5681 1882 1% 4% 12% 10% 4% 40%

6 ADVANCES DEPOSITS NII FEE INCOME OP PROFIT PAT Highlights (FY 14 over FY 13) % 4% 12% 10% 4% 40% NIM CASA 5.57 ROE ROA 0.69 FY13 FY14 FY14 FY13 6

7 Balance Sheet As at Mar-14 Mar-13 LIABILITIES Capital Reserve & Surplus [Net Worth] Deposits Borrowings Other Liabilities & provisions Total ASSETS Cash & balance with RBI Bal. with banks & money at call Investments Advances Fixed Assets [incl leased assets] Other Assets Total

8 Profit & Loss Particulars Quarter Ended FY Ended Mar-14 Mar-13 Mar-14 Mar-13 Interest income Interest expenses Net Interest income Other Income Total income Operating Expenses Employee Cost Other Operating Expenses Operating Profit Provisions & contingencies NPAs and write offs Restructured Assets Others (Invt., Std Asset, etc) Tax Profit After Tax

Details of Other Income Quarter Ended FY Ended Particulars Mar-14 Mar-13 Mar-14 Mar-13 Commission, Excg & Brkg 639 805 1818 2237 Profit on sale of investments 377 157 522 391 Profit/(Loss) on

9 Details of Other Income Quarter Ended FY Ended Particulars Mar-14 Mar-13 Mar-14 Mar-13 Commission, Excg & Brkg Profit on sale of investments Profit/(Loss) on revaluation of investment Profit on sale of Fixed Assets Profit on forex/derivatives Dividend from subsidiaries Recovery from written off cases Other misc income Total Fee Based Income

10 Details of Operating Expenses Quarter Ended FY Ended Particulars Mar-14 Mar-13 Mar-14 Mar-13 Staff Cost Rent, taxes & lighting Printing & stationery Advertisement & Publicity Depreciation Postage, Telegram, Teleph., etc Repairs and maintenance Outsourcing expenses Other expenditure TOTAL

Key Ratios Particulars Quarter Ended FY Ended Mar-14 Mar-13 Mar-14 Mar-13 Net Interest Margin (%) 2.20% 2.19% 2.17% 2.12% Return on Assets (%) 0.68% 0.78% 0.38% 0.69% Return on Equity (%) 9.79% 11.

11 Key Ratios Particulars Quarter Ended FY Ended Mar-14 Mar-13 Mar-14 Mar-13 Net Interest Margin (%) 2.20% 2.19% 2.17% 2.12% Return on Assets (%) 0.68% 0.78% 0.38% 0.69% Return on Equity (%) 9.79% 11.73% 5.57% 10.39% Cost of all liabilities (%) 6.79% 6.97% 6.95% 7.26% Yield on Total Assets (%) 10.39% 10.60% 9.99% 10.43% Margin (%) 3.60% 3.64% 3.04% 3.17% Cost of Funds (%) 7.74% 8.37% 7.87% 8.31% Return on Earning Assets (%) 10.71% 10.88% 10.28% 10.71% Spread (%) 2.97% 2.52% 2.41% 2.40% Non-interest income to Total Income 14.63% 15.20% 10.07% 11.38% Efficiency [Cost- Net Income] Ratio 32.10% 38.38% 36.88% 36.48% Staff Expenses to total income 4.56% 7.07% 5.16% 5.55% Staff Expenses to total expenses 5.96% 8.97% 6.38% 6.88% Overhead efficiency ratio % % 89.75% % 11

12 Balance Sheet Ratios P a rt i c u l a rs Ma r- 14 Ma r- 13 * Tot al Business [Dep. + Adv.] S B Deposit s t o Tot al Deposit s 12.02% 10.46% Current Account Deposit s t o Tot al Deposit s 10.61% 14.66% Time Deposit s t o Tot al Deposit s 77.37% 74.88% Book Va lue - Rs Tot al Off B/ S heet it em t o Tot al Asset s 57.21% 55.97% Owned Funds t o t ot al out side liabilit ies 7.40% 6.64% Tier One Capit al Tier Two Capit al Tot al Capit al Tot al Risk Weight ed Asset s Tot al Risk Weight ed Asset s t o Tot al Asset s 81.91% 80.52% CRAR Basel III (Tot al) 11.68% 13.13% Common Equit y Tier % 7.68% Addit ional Tier % NA Tier 2 Rat io 3.89% 5.45% Number Of Account s (i) S avings (ii) Current (iii) Term deposit s *Figures of CRAR for March 2013 are as per Basel II 12

NPAs Particulars Mar-14 Mar-13 Gross Advances 203376 200135 Gross NPAs 9960 6450 Gross NPAs as % of Gross Advances 4.90% 3.

13 NPAs Particulars Mar-14 Mar-13 Gross Advances Gross NPAs Gross NPAs as % of Gross Advances 4.90% 3.22% T otal Provisions held (including NPV Loss) Net Advances Net NPAs Net NPAs as % of Net Advances 2.48% 1.58% Provision Coverage Ratio 51.53% 53.67% Provision Coverage Ratio as per RBI Guidelines * 64.53% 70.83% * including Prudential written off cases Sectoral Net NPAs Agri and Allied Activities Industry (Micro, Small, Medium & Large) Services Personal Loans Others %

14 Summary of NPAs as on March 31, 2014 For the Quarter Gross NPA NPA Provision & NPV Net NPA Loss As on Additions (First Time NPA) Less: (i) Upgradations (ii) Recoveries (iii) Write off As on For the Year Gross NPA Provision Net NPA As on Additions (First Time NPA) Less: (i) Upgradations (ii) Recoveries (iii) Write off As on

15 Classification of NPAs as on March 31, 2014 Gross NPA Provision NPV Loss Net NPA % of Provision to Gross NPA Sub Standard Assets Doubtful Assets Loss Assets Total* * Excluding Countercyclical Provisioning Buffer 15

16 Break up of Provisions & Contingencies Particulars Quarter ended FY ended Mar-14 Mar-13 Mar-14 Mar-13 Depreciation on investment Provision for NPAs Provision towards standard assets* Provision for Restructured Assets (including FITL) Income Tax Deferred Tax Bad Debts Writen off Others Total

17 Liabilities Deposits Mar-14 Mar-13 Current Savings Term Total Maturity Profile Amount Upto 6 months months -1 year year - 3 years years - 5 years > 5 years Total Borrowings Mar-14 Mar-13 Tier I Tier II Others Outside India Total

Advances Vertical Mar-14 Mar-13 CBG 94522 100019 ICG 48884 46172 PSG 16764 16754 RBG 36933 32709 RECRY 583 652 Grand Total 197686 196306 Nature Mar-14 Mar-13 Bills 4884 4619 CC, OD,WCDL ETC 52099

18 Advances Vertical Mar-14 Mar-13 CBG ICG PSG RBG RECRY Grand Total Nature Mar-14 Mar-13 Bills CC, OD,WCDL ETC Term Loans- Other Total Top 20 Borrowers Maturity Profile Advances Upto 6 months > 6 months to 1 year > 1 year to 3 years > 3 years to 5 years > 5 years Total

Advances Industry Outstanding Committed FB NFB TOTAL FB NFB TOTAL POWER 21864 8721 30585 33615 14785 48400 OIL & GAS/PETROLEUM PRODUCTS 9834 8765 18598 13579 16173 29752 INFRASTRUCTURE OTHERS 11420

19 Advances Industry Outstanding Committed FB NFB TOTAL FB NFB TOTAL POWER OIL & GAS/PETROLEUM PRODUCTS INFRASTRUCTURE OTHERS , , ROADS & BRIDGES / PORTS IRON AND STEEL TELECOM NBFC TEXTILES TRADING GENERAL MACHINERY & EQUIPMENTS CONSTRUCTION BANKING CEMENT FINANCIAL SERVICES ( OTHER THAN BANKS & NBFCs) CHEMICAL & CHEMICAL PRODUCTS HOUSING FINANCE COMPANIES FERTILIZERS ELECTRICAL MACHINERY & EQUIPMENTS SUGAR & SUGAR PRODUCTS METALS AND METAL PRODUCTS(OTHER THAN MFG.OF BASIC IRON AND STEEL) TOTAL

20 Summary of Restructured Advances as on March 31, 2014 Particulars PA NPA Total Gross Less: FIT L Provision Net of FITL Provision Less: Cases considered for 0.40% Total

21 Industry wise Restructured Advances Industry Net O utstanding March 2014 Net O utstanding March 2013 Industry Net O utstanding March 2014 Net O utstanding March 2013 AGRO INDUST RIES JEWELLERY MFG AIR T RANSPORT MET AL INDUST RY AQUACULT URE MINING AND QUARRYING CEMENT MISC. INDUST RY CERAMIC INDUSTRY MOTOR VEHICLES CHEMICAL AND FERT ILIZERS OIL EXPLORAT ION COAL 23 8 OTHER SERVICES DAIRY FARM AND POULTRY 4 4 PAPER EDUCAT ION PHARMACEUT ICALS ELECTRICAL MACHINERY PLASTIC 0 1 ELECT RICIT Y GENERAT ION PLAST IC PRODUCT S ELECTRONICS REAL ESTATE 0 51 ENT ERT AINMENT RET AIL ST ORE FINANCIAL SERVICES 0 5 RUBBER 2 4 FOOD AND BEVERAGES SHIP BUILDING GLASS MFG 65 0 SUGAR HEALT H CARE T ELECOMMUNICAT IONS HOT EL T EXT ILES INFRASTRUCTURE TRANSPORT SERVICES 3 3 IRON AND ST EEL WAST E MANAGEMENT IT Total

PA to NPA out of Restructured Advances as on March 31, 2014 Net Outstanding 2014 Net Outstanding 2013 Industry Net Outstanding 2014 Net Outstanding 2013 Industry AGRO INDUSTRIES 99 116 IT 0 27 AIR

22 PA to NPA out of Restructured Advances as on March 31, 2014 Net Outstanding 2014 Net Outstanding 2013 Industry Net Outstanding 2014 Net Outstanding 2013 Industry AGRO INDUSTRIES IT 0 27 AIR TRANSPORT METAL INDUSTRY AQUACULTURE 8 4 MINING AND QUARRYING 3 19 CEMENT 7 5 MISC. INDUSTRY 10 3 CERAMIC INDUSTRY 3 0 MOTOR VEHICLES CHEMICAL & FERTILIZERS 0 2 OTHER SERVICES 2 16 DAIRY FARM AND POULTRY 2 0 PAPER 9 1 EDUCATION PHARMACEUTICALS 0 2 ELECTRICAL MACHINERY PLASTIC PRODUCTS 35 0 ELECTRICITY GENERATION REAL ESTATE 0 50 ELECTRONICS RETAIL STORE 73 7 ENTERTAINMENT 5 4 RUBBER 0 1 FOOD & BEVERAGES SHIP BUILDING 1 0 HEALTH CARE 2 2 SUGAR HOTEL 5 14 TELECOMMUNICATIONS INFRASTRUCTURE TEXTILES IRON AND STEEL 1 0 TRANSPORT SERVICES 3 0 Total

23 Investments C ate gory HTM AFS HFT Total Government securities SASF Securities Shares (Equity) Shares (Preference) Debentures/ Bonds Subsidiaries / Joint Ventures Security Receipts Others (CPs/CDs/MF) etc Total

24 List of Some Strategic Investments Name of Company Percentage Holding IDBI CAPITAL MARKET SERVICES LIMITED IDBI INTECH LIMITED IDBI MF TRUSTEE COMPANY LTD IDBI ASSET MANAGEMENT LTD IDBI TRUSTEESHIP SERVICES LIMITED IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED NATIONAL SECURITIES DEPOSITORY LIMITED NSDL E-GOVERNANCE INFRASTRUTURE LIMITED BIOTECH CONSORTIUM INDIA LIMITED NORTH EASTERN DEVELOPMENT FINANCE CORPORATION LIMITED PONDICHERRY INDUSTRIAL PROMOTION DEVELOPMENT AND INVT CORP LTD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA ASSET RECONSTRUCTION COMPANY (INDIA) LIMITED contd... 24

List of Some Strategic Investments Name of Company Percentage Holding OTC EXCHANGE OF INDIA LIMITED 17.00 CREDIT ANALYSIS AND RESEARCH LIMITED 16.62 EDC LIMITED 11.

25 List of Some Strategic Investments Name of Company Percentage Holding OTC EXCHANGE OF INDIA LIMITED CREDIT ANALYSIS AND RESEARCH LIMITED EDC LIMITED NEPAL DEVELOPMENT BANK LIMITED UNIVERSAL COMMODITY EXCHANGE LTD CLEARING CORPORATION OF INDIA LIMITED 7.50 CORDEX INDIA PVT. LTD STCI FINANCE LIMITED 6.60 NATIONAL STOCK EXCHANGE OF INDIA LIMITED 5.00 UNITED STOCK EXCHANGE OF INDIA LIMITED 0.97 CENTRAL REGISTRY OF SECRTSN ASSET RECONSTR & SECRT INTEREST OF INDIA

26 Summarised Financial Information of the Subsidiaries Particulars IDBI Capital Market Services Ltd. IDBI Asset Management Company Ltd IDBI MF Trustee Company Ltd. IDBI Intech Ltd. IDBI Trusteeship Services Ltd. Capital Reserves Total Assets Total Liabilities (excluding Capital & Reserves) Investments Turnover Profit before taxation Tax Profit after taxation Interim Dividend (%) % Proposed Dividend (%) 10% % 26

27 27 Thank You

Leading provider of long term finance

Leading provider of long term finance Presentation to Analysts June 2014 Genesis 1964-1976 1976 1994-00 2003-06 2007-14 Set up by an Act of Parliament in 1964 as a subsidiary of the Central Bank (RBI) Ownership transferred to Govt. in 1976