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Q3 FY 2016 Disclaimer: Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties.

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SLIDE 1

Q3 FY 2016

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SLIDE 2

2

Disclaimer: Certain statements contained in this presentation may be statements

  • f future expectations and other forward-looking statements that are based on

third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding past trends

  • r activities should not be taken as a representation that such trends or activities

will continue in the future. There is no obligation to update or revise any forward- looking statements, whether as a result of new information, future events or

  • therwise.

You should not place undue reliance

  • n

forward-looking statements, which speak only as of the date of this presentation. Please also refer to the statements of unconsolidated, consolidated and segmental result required by Indian regulations that has been filed with stock exchanges in India.

Analyst Presentation – Q3 FY16

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SLIDE 3

IDBI Bank’s Forte

3

Strong Brand Value Significant player in domestic Debt Syndication Leading provider of Long Term Finance Growing Branch Network Diversified customer base

Ranks 37th amongst top 50 brands across country/sectors (Interbrand Rankings) Completed 147 mandates till date aggregating ` 2.68 lakh crore Apex role in creating industrial & infrastructural base in the country Branches -1784 ATMs -3225 Presence in 1325 locations Corporate and Retail customer base

  • f over 3000+ and

6.5 million+

As per Brand Trust Report 2015, Bank ranked 5th in BFSI Category & 2nd in PSU Category only after SBI.

Analyst Presentation – Q3 FY16

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SLIDE 4

Performance Highlights Q3 FY16 v/s Q3 FY15

4

` Crore

2,08,924 2,34,691 4,43,615 80,703 6 1,97,303 2,33,199 4,30,502 65,104 58,662 71,331 22,954 1,16,003 51,033 66,163 22,251 1,04,699 Advances Deposits Business PSL Bulk TD CASA Retail TD Networth

1% 6% 3% 24 % 15% 8% 3% 10% Analyst Presentation – Q3 FY16

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SLIDE 5

Performance Highlights Q3 FY16 (Profitability)

5 Analyst Presentation – Q3 FY16

1.75% 1.80% 1.85% 1.90% 1.95% 2.00%

NIM

1.98% 1.85%

Quarter Ended Dec-15 Quarter Ended Dec-14

200 400 600 800 1000 1200

Fee Income

  • Ope. Profit

544 1118 455 1114

Quarter Ended Dec-15 Quarter Ended Dec-14

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SLIDE 6

Performance Highlights 9 Months ended 16 (Profitability)

6

` Crore

Analyst Presentation – Q3 FY16

1.75% 1.80% 1.85% 1.90% 1.95% 2.00%

NIM

1.96% 1.83%

9 Months ended Dec-15 9 Months ended Dec-14 1000 2000 3000 4000

Fee Income

  • Ope. Profit

1476 3775 1298 3239

9 Months ended Dec-15 9 Months ended Dec-14

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SLIDE 7

Profit & Loss - Snapshot

7

` Crore

Analyst Presentation – Q3 FY16

Particulars Q3 FY16 Q3 FY15 Growth % 9M 2016 9M 2015 Growth %

Interest Income 6 784 7 159 (5) 21 115 20 742 2 Interest Expenses 5 228 5 728 (9) 16 453 16 654 (1) Net Interest Income 1 556 1 431 9 4 662 4 088 14 Other Income 578 777 (26) 2 064 2 037 1 Net Total Income 2 134 2 208 (3) 6 726 6 125 10 Operating Expenses 1 016 1 094 (7) 2 951 2 886 2

  • Employee Cost

468 508 (8) 1 255 1 401 (10)

  • Other Operating Cost

548 586 (6) 1 696 1 485 14 Operating Profit 1 118 1 114 3 775 3 239 17 Provisions & Contingencies 3 301 1 011 227 5 704 2 912 96

  • NPAs and write offs

2 503 698 259 4 530 1 838 146

  • Restructured Assets

(148) 161 (192) (482) 539 (189)

  • Others (Invt., Std Asset, etc)

1 368 97 1312 1 842 346 433

  • Tax

(421) 55 (869) (187) 189 (199) Profit After Tax (2,184) 103 (2,224) (1,929) 327 (689)

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SLIDE 8

Balance Sheet - Snapshot

8

` Crore

Analyst Presentation – Q3 FY16

As at 31-Dec-15 31-Dec-14

LIABILITIES Capital 1 900 1 604 Reserve & Surplus 22 680 22 322 Deposits 2 34 691 2 33 199 Borrowings 66 593 64 464 Other Liabilities & Provisions 12 624 9 851 Total 3 38 489 3 31 440 ASSETS Cash & Balance with RBI 10 994 11 703

  • Bal. with banks & money at call

3 334 2 096 Investments 77 552 86 888 Advances 2 08 924 1 97 303 Fixed Assets [incl. leased assets] 3 116 3 245 Other Assets 34 569 30 206

  • of which RIDF & related

24 694 21 797 Total 3 38 489 3 31 440

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Growing Deposit Base

9

CASA at 25% in Q3 FY16 compared to 21.88% in Q3 FY15

Composition of Deposits Movement of Deposits ` Crore

Analyst Presentation – Q3 FY16

Savings Bank A/c 15% Current A/c 10% Retail Term Deposits 30% Bulk Term Deposits 45%

Q3 2016

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 Bulk Term Deposits 114932 115522 131241 127278 104699 Retail Term Deposits 44836 54545 51181 67441 71331 Current A/c 31722 33289 25018 30416 24237 Savings Bank A/c 19002 23760 28334 34701 34425 50000 100000 150000 200000 250000 300000

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SLIDE 10

Credit Base

10

Diversified credit portfolio – Increasing focus in Retail

Composition of Advances Movement of Advances ` Crore

Analyst Presentation – Q3 FY16

Retail 33% Overseas Corp. 11% Domestic Corp. 56%

Q3 2016

Retail 28% Overseas Corp. 10% Domestic Corp. 62%

Q3 2015

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 Term Loans 131957 140803 140704 147372 149056 Bills 3278 4619 4884 6701 5924 CC/OD 45923 50885 52099 54304 53943

50000 100000 150000 200000 250000

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Industry-wise Advances

11

Diversified credit portfolio

` Crore

Analyst Presentation – Q3 FY16

Particulars (Top 20 Industries)

Outstanding

FB NFB Total % of Total Outstanding advances (Fund based+ Non fund based) Infrastructure 54 131 24 213 78 345 25.61% Housing Loans (Incl priority sector housing) 26 964 3 26 967 8.82% Basic Metal and Metal Products 13 681 6 913 20 593 6.73% All Engineering 7 220 10 559 17 778 5.81% Agriculture & Allied Activities 14 282 179 14 460 4.73% Trade 9 559 3 334 12 893 4.22% Mining and Quarrying 9 519 2 323 11 841 3.87% NBFCs 10 458 298 10 756 3.52% Chemicals and Chemical Products (Dyes Paints etc.) 7 269 3 322 10 591 3.46% Construction 3 298 5 511 8 809 2.88% Other Services 4 983 3 405 8 389 2.74% Food Processing 6 555 1 373 7 928 2.59% Vehicles Vehicle Parts and Transport Equipments 5 181 2 151 7 332 2.40% Textiles 5 825 1 101 6 926 2.26% Cement and Cement Products 5 484 313 5 797 1.90% Other Retail Loans 4 398 4 398 1.44% Gems and Jewellery 2 790 644 3 434 1.12% Rubber Plastic and their Products 2 876 362 3 238 1.06% Other Industries 1 427 166 1 593 0.52% Petroleum (non-infra) Coal Products (non-mining) and Nuclear Fuels 1 491 97 1 588 0.52% Total 1 97 390 66 266 2 63 656 86.20%

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Composition of Borrowings

12

` Crore

Analyst Presentation – Q3 FY16 Dec-15 Dec-14 Domestic 42349 44719

  • Capital instruments

18065 17830

  • Other borrowings

16205 21067

  • Long term infrastructure bonds

8079 5822 Overseas 24244 19745

  • Capital instruments
  • Other borrowings

24244 19745 Total borrowings 66593 64464 Capital instruments constitute 27% of Domestic borrowings in Dec 15.

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SLIDE 13

Productivity

13

Reflection of Bank’s strategy of Rebalancing, yielding results

Business per employee CASA per Employee ` Crore

Note: Excluding outsourced employees

Analyst Presentation – Q3 FY16

23.9 25.7 24.7 26.2 24.06 23.93 22.5 23.0 23.5 24.0 24.5 25.0 25.5 26.0 26.5

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2015 Q3 2016

Busi/Employee

3.3 3.7 3.2 3.9 3.1 3.4 0.0 1.0 2.0 3.0 4.0 5.0

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2015 Q3 2016

CASA/Employee

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SLIDE 14

Robust growth in PSL book

14

Relentless focus for increasing PSL Book towards complying regulatory limits

` Crore

@The actual PSL as on March 31, 2015 stood at Rs. 78,830 Cr, as per erstwhile PSL guidelines. However for the purpose of comparison with Q3 FY2016, the same has been taken as per new PSL guidelines. Analyst Presentation – Q3 FY16

38850 52639 61517 46476 56009 16099 23262 18628 24694

10000 20000 30000 40000 50000 60000 70000 80000 90000

FY 2013 FY 2014 FY 2015 Q3 2015 Q3 2016

PSL (Excl. RIDF) RIDF

36.3% of ANBC in Q3 2016 30.6% of ANBC in Q3 2015

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SLIDE 15

Investments

15

` Crore

Analyst Presentation – Q3 FY16

HTM AFS HFT Total Government securities

48 117 7 907 5 511 61 536

SASF Securities

4 586

  • 4 586

Shares (Equity)

  • 2 639

2 639

Shares (Preference)

  • 370
  • 370

Debentures/ Bonds

  • 6 715
  • 6 715

Subsidiaries / Joint Ventures

702

  • 702

Security Receipts

  • 489
  • 489

Others (CPs/CDs/MF/VCF,etc)

57 108 350 515

Total Investments

53 463 18 228 5 861 77 552

Q3 FY2016 Particulars

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SLIDE 16

Major Strategic Stakes

16

Pivotal role in developing Institutions and financial architecture of the country

Analyst Presentation – Q3 FY16

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17

Maturity Profile as on Dec-15

` Crore

Rate Sensitive Liabilities(RSL) maturing faster than Rate Sensitive Assets(RSA), good to have in falling rates scenario.

Analyst Presentation – Q3 FY16

Maturity Profile Advances Borrowings Deposits Upto 6 months 27303 22865 90635 > 6 months to 1 year 11726 2058 34657 > 1 year to 3 years 82928 13610 72357 > 3 years to 5 years 27681 10835 13262 > 5 years 59286 17225 23780 Total 208924 66593 234691

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Other Income

18

Robust & Efficient Operations Management

` Crore

Analyst Presentation – Q3 FY16

Particulars Quarter Ended 9 Months Ended 31-Dec-15 31-Dec-14 Growth (%) 31-Dec-15 31-Dec-14 Growth (%)

Commission, Excg & Brkg 540.61 452.40 19 1465.01 1286.48 14 Profit on sale of investments 104.58 242.21 (57) 333.91 395.55 (16) Profit/(Loss) on revaluation of investment

  • 158.23
  • 7.90

1902

  • 139.16
  • 28.32

391 Profit on sale of Fixed Assets

  • 0.08
  • 0.04

125

  • 0.08
  • 0.13

(34) Profit on forex/derivatives 56.63 70.82 (20) 214.39 213.52 Dividend from subsidiaries 0.00 4.29 (100) 11.32 19.41 (42) Recovery from written off cases 16.11 4.88 230 82.84 26.18 216 Other misc income 18.69 10.54 77 95.94 124.64 (23) Total 578.30 777.19 (26) 2064.16 2037.34 1 Fee Based Income 544 455 20 1476 1298 14

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Overhead Efficiency

19

Overhead Efficiency and Cost to Income ratio one of the best in Banking Industry Overhead Efficiency Cost to Income

Analyst Presentation – Q3 FY16 81% 103% 90% 100% 56.91% 69.94% 0% 20% 40% 60% 80% 100% 120% FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 9M 2016

39% 36% 37% 41% 47.62% 43.88% 0% 10% 20% 30% 40% 50% FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 9M 2016

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Movement in Key Ratios

20

ROEA Vs COF NIM

*CRAR Figures for FY 2012 & FY 2013 are as per Basel II

Analyst Presentation – Q3 FY16

10.38% 10.71% 10.28% 10.27% 9.15% 9.47% 8.36% 8.31% 7.87% 7.80% 7.06% 7.29% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00%

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 9M 2016 ROEA COF 14.58% 13.13% 12.23% 11.76% 13.00%

0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016

CRAR

137 146 137 141 121

20 40 60 80 100 120 140 160 FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016

Book value/Share

2.02% 2.12% 2.17% 1.90% 1.98% 1.96%

1.00% 1.50% 2.00% 2.50% 3.00%

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 9M 2016

NIM

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SLIDE 21

Movement in Key Ratios

21

` Crore Growth in Average CASA Growth in Average Deposits

Healthy growth recorded in Average CASA and Average Deposits

Analyst Presentation – Q3 FY16

10000 20000 30000 40000 50000 60000 70000 FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 CASA Avg. CASA 50000 100000 150000 200000 250000 300000 FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016 Total Deposits

  • Avg. Total

Deposits

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SLIDE 22

Capital Adequacy

22

Basel III Compliant Tier 1 at 8.71% as at Q3 FY 16 increased by 42 Basis Points compared to Q3 FY2015

Q2 2015 Q2 2016 Analyst Presentation – Q3 FY16

Particulars Q3 2015 Q3 2016 CET 1 (Rs.) 20949 23034 AT 1 (Rs.) 2507 2560 Tier 2 Capital (Rs.) 11149 12604 Total Capital (Rs.) 34604 38198 RWA (Rs.) 283060 293762 CET 1 7.40% 7.84% AT 1 0.89% 0.87% Tier 1 Ratio 8.29% 8.71% Tier 2 Ratio 3.94% 4.29% CRAR 12.23% 13.00%

7.40% 7.84% 0.89% 0.87%

3.94% 4.29%

1 2

CET 1 AT 1 Tier 2 Ratio

12.23% 13.00% Q3 2015 Q3 2016

Infusion of equity by GOI to the extent of Rs.2229 Cr

` Crore

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SLIDE 23

NPA Movement

23

PCR has been highest amongst peers

` Crore

Analyst Presentation – Q3 FY16

Opening Balance 14758 12685 Add:

  • Fresh Slippages*

5839 8826 Of Which Restructured A/cs are 850 1905 Less:

  • Recovery

145 360

  • Upgradation

50 327

  • Write-off

788 1209 Closing Balance 19615 19615

Gross NPA % 8.94% 8.94% Net NPA % 4.60% 4.60%

  • Prov. Coverage Ratio as per

RBI Guidelines 62.92% 62.92% * Including Ageing

Particulars For the Quarter Dec 15 For 9 Months ended Dec 15

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NPA Classification

24

` Crore

Analyst Presentation – Q3 FY16

Particulars Gross NPA Sub Standard Assets

4907

Doubtful Assets

14173

Loss Assets

536

Total

19615 4907 14173 536

Sub Standard Assets Doubtful Assets Loss Assets

Category Outstanding Advances (A) Gross NPA (B) GNPA % of Total O/S

Agri and Allied Activities 13501 1393 0.64% Industry (Micro, Small, Medium & Large) 113504 13573 6.19%

  • of which Infrastructure

44531 3880 1.77% Services 26789 2512 1.15% Personal Loans 34050 445 0.20% Others 31550 1692 0.77% Total 219393 19615 8.94%

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SLIDE 25

25

Summary of Restructured Advances as on December 31, 2015

` Crore

Analyst Presentation – Q3 FY16

Particulars PA NPA Total

Gross 17645 7208 24854 Less: FITL Provision 989 540 1529 Net of FITL Provision 16657 6668 23325 Less: Cases considered for Provisioning @ 0.40% 2095 2095 Total 14561 6668 21229

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SLIDE 26

Industry-wise Restructured Advances as on December 31, 2015

` Crore

Analyst Presentation – Q3 FY16

Industry Type Net Outstanding % of Total Outstanding advances Industry Type Net Outstanding % of Total Outstanding advances

AGRO INDUSTRIES 216 0.10% IRON AND STEEL 180 0.08% AIR TRANSPORT 480 0.22% JEWELLERY MFG 125 0.06% AQUACULTURE 81 0.04% METAL INDUSTRY 1 314 0.60% CEMENT 266 0.12% MINING AND QUARRYING 75 0.03% CERAMIC INDUSTRY 63 0.03% MISC. INDUSTRY 70 0.03% CHEMICAL AND FERTILIZERS 75 0.03% MOTOR VEHICLES 410 0.19% COAL 169 0.08% OIL EXPLORATION 49 0.02% DAIRY FARM AND POULTRY 30 0.01% OTHER SERVICES 173 0.08% EDUCATION 512 0.23% PAPER 51 0.02% ELECTRICAL MACHINERY 1 406 0.64% PHARMACEUTICALS 671 0.31% ELECTRICITY GENERATION 2 617 1.19% PLASTIC PRODUCTS 40 0.02% ELECTRONICS 178 0.08% RETAIL STORE 55 0.03% ENTERTAINMENT 32 0.01% RUBBER 1 0.00% FOOD AND BEVERAGES 96 0.04% SHIP BUILDING 1 184 0.54% GEM & JWELLERY 298 0.14% SUGAR 625 0.28% GLASS MFG 1 781 0.81% TELECOMMUNICATIONS 770 0.35% HEALTH CARE 5 0.00% TEXTILES 623 0.28% HOTEL 294 0.13% TRANSPORT SERVICES 151 0.07% INFRASTRUCTURE 6 035 2.75% WASTE MANAGEMENT

27

0.01%

Grand Total 21 229 9.68%

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SLIDE 27

Provisions & Contingencies

27

` Crore

Analyst Presentation – Q3 FY16

Dec-15 Dec-14 Dec-15 Dec-14 Depreciation on Investment 71 2 129 92 Provision for NPAs 1 715 (35) 3 321 1 089 Provision towards standard assets 1 247 67 1 640 173 Provision for Restructured Assets (including FITL) (148) 161 (482) 539 Income Tax (421) 55 (187) 189 Bad Debts Writen off 788 733 1 209 749 Other Provisions 50 28 74 81 Total 3 301 1 011 5 704 2 912 Quarter Ended 9 Months ended Particulars

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SLIDE 28

Fast Growing Distribution Network

28

Robust branch expansion over the years specially in rural and semi-urban locations

 1784 Branches  3225 ATMs  11 Currency Chest  6 Regional Processing Units  17 Central Clearing Unit  75 Retail Assets Centers  13 e-Lounges

Analyst Presentation – Q3 FY16

95 132 270 373 398 236 282 372 524 559 377 388 426 451 455 264 274 319 368 371 1 1 1 1 1 200 400 600 800 1000 1200 1400 1600 1800 2000

FY 2012 FY 2013 FY 2014 FY 2015 Q3 2016

Rural Semi-Urban Urban Metro Overseas

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SLIDE 29

Shareholders

29 Analyst Presentation – Q3 FY16

Shareholders Dec 15 (%) GOI 80.16 LIC 7.25 FIs / Banks 0.92 FIIs 2.09 Corp. 1.09 Others 8.47 Total 100.00

GOI 80.16% LIC 7% FIs / Banks 1% FIIs 2% Corp. 1% Others 9%

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SLIDE 30

Dec-13 Dec-14 Dec-15

26.83 22.26 20.81 32.72 27.02 25.52 26.24 29.64 31.35 9.5 9.51 9.76 4.71 11.57 12.56

Metro Urban Semi Urban 1599 1778

30

Branch network in India

1189 Dec-13 Dec-14 Dec-15 ATMs 2073 2855 3225 12% 10% 16% 8% 9% 10% 10% 14% 11%

Zones wise distribution of branches

East I & NE East II North I North II South I South II West I West II West III

Bank has one overseas branch in Dubai Number of BCs as on 31st December, 2015 : 1848

Capacity Building – Expanding Network

Analyst Presentation – Q3 FY16

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SLIDE 31

31

191 235

50 100 150 200 250

Dec' 2014 Dec' 2015

Internet Banking 78 91

70 75 80 85 90 95

Dec' 2014 Dec' 2015

Debit Card Base 867 1015

750 800 850 900 950 1000 1050

Dec' 2014 Dec' 2015

ATM 3.03

1 2 3 4

Dec' 2015

Mobile Banking

Number of Transactions

(in Lacs)

Analyst Presentation – Q3 FY16

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SLIDE 32

32

  • Sr. No

Particulars Dec 14 Dec 15 1 Accounts Opened Under PMJDY (in Lakhs) 7.63 10.26 2 Amount Mobilized under PMJDY (in Lakhs) 1734.15 7200.97 3 No of Rupay Card Issued (in Lakhs) 6.65 9.28 4 A/Cs where OD facility is sanctioned 24691 5 A/C where General Credit card (GCC) issued 288 375 6 Credit provided in various credit based projects – KCC (in Lakhs) 2.82 3.43 7 Progress under Aadhaar seeding in PMJDY Accounts (in Lakhs) 1.86 4.16 Social Security Schemes Enrolments Pradhan Mantri Jeevan Jyoti Bima Yojana (in Lakhs) 5.39 Pradhan Mantri Suraksha Bima Yojana (in Lakhs) 9.95 Atal Pension Yojana 31506 Transaction through BCs Dec 14 Dec 15

  • No. of BCs (number)

442 392

  • No. of Transactions (in lakh)

6 10 Transaction amount (in lakh) 4160 4329

Amount mobilized in BSBDA as on 31-12-2015 is Rs 458 cr

Financial Inclusion as a Business Driver

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SLIDE 33
  • Launched Mobile App based Banking - IDBI GO Mobile App (Android Mobiles)
  • Established 13 eLounges across PAN India
  • Installed 107 Bunch Note Acceptors (BNA)
  • Introduced JusTab (Tab Banking Facility) for Account opening process
  • Launched eWallet - PayApt, Virtual Debit cards for ecommerce transactions, Debit card

control through mobile application - Abhay App

  • Missed Call banking facility for Balance Enquiry & Mini Statement to the customers
  • Introduced new version of GPRS terminal called ‘Desktop GPRS’ (GPRS without

Battery)

  • Launched e-gifting solution (Digital Delight) through Internet Banking
  • Launched Loyalty Rewards Programme for Credit Card customers
  • Enabled acceptance of DFS (Discover Financial Services) cards on our POS terminals
  • Bank is actively responding the queries raised in Social media

33

Digitalization Initiatives

Analyst Presentation – Q3 FY16

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SLIDE 34

Major Awards & Accolades

Analyst Presentation – Q3 FY16 34 Cont…

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SLIDE 35

Analyst Presentation - Q4 & FY15 35

Major Awards & Accolades

Bank was runner up for IBA Technology Award in following categories:

  • Best Technology Bank for Mid Sized Bank Category.
  • Fraud and Risk Management.
  • Digital Channels.
  • Enhance Customer experience for using Bank Technology.
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SLIDE 36

Key Business Initiatives

36

Consistently introducing/delivering customer savvy products/services

IDBI Bank set up a state-of-the-art Security Operations Centre (SOC) at its Data Centre, Belapur, Navi Mumbai. IDBI Bank conducted ‘Kisan Sangosthi’ at various villages all over India to mark the celebration

  • f ‘Farmers Day’ and to acknowledge the role played by the farming community in the

economic development of the country. IDBI Bank executed a MoU with Mahila Arthik Vikas Mahamandal (MAVIM) on December 15, 2015. Under the arrangement, the Bank will offer credit facilities to SHG/JLGs, promoted and nurtured by Community Managed Resource Centers (CMRCs) of MAVIM for income generation activities.

Retail Assets/ Alternate Channels – New Product/Services

Analyst Presentation – Q3 FY16

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SLIDE 37

Strategies & Way Forward

37

Continue the focus to increase exposure in

Retail Advances, p

articularly

Priority Sector

Intensive efforts for recovery from NPLs Scaling up

CASA and Retail Deposits

Buoyancy in

Fee Based Income Global Expansion Plans, particu

larly in Singapore and Shanghai.

Analyst Presentation – Q3 FY16

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SLIDE 38

38 Analyst Presentation – Q3 FY16