IDBI Bank Limited Earnings Summary — Q4 FY2026

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

| 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.,
Exchange Plaza, 5th Floor,
Plot No. C/1, G Block,
Bandra Kurla Complex, Bandra(E),

Mumbai-400 051 \|
\| \-\-\- \| \-\-\- \|

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

\[Image: ImagePart\_1530\]

* * *

# “IDBI Bank Limited Q2 FY2023 Earnings Conference Call”

# October 21, 2022

## ANALYST: MS. DIVYA PUROHIT – ICICI SECURITIES LIMITED

## MANAGEMENT: MR. RAKESH SHARMA – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – IDBI BANK LIMITED

## M R. SAMUEL JOSEPH – DEPUTY MANAGING DIRECTOR – IDBI BANK LIMITED

## M R. SURESH KHATANHAR – DEPUTY MANAGING DIRECTOR – IDBI BANK LIMITED

## M R. P. SITARAM – EXECUTIVE DIRECTOR & CHIEF FINANCIAL OFFICER – IDBI BANK LIMITED

### Page 1 of 14

* * *

Moderator:

Ladies and gentlemen good day and welcome to the IDBI Bank results conference call
hosted by ICICI Securities Limited. As a reminder, all participant lines will be in the listenonly mode and there will be an opportunity for you to ask questions after the presentation
concludes. Should you need assistance during the conference call, please signal an operator
by pressing “\*” then “0” on your touchtone phone. Please note that this conference is being
recorded. I now hand the conference over to Ms. Divya Purohit. Thank you and over to you
Madam!

Divya Purohit: Thank you Seema. Welcome everyone to IDBI Bank results call. Today from the
management, we have with us Mr. Rakesh Sharma, Managing Director and CEO, Mr. J
Samuel Joseph, Deputy Managing Director, Mr. Suresh Khatanhar, Deputy Managing
Director and Mr. P. Sitaram, Executive Director and CFO. Thank you so much for the
opportunity Sir and over to you Mr. Sharma.

Rakesh Sharma:

Rakesh Sharma: Thank you Madam. Good evening ladies and gentlemen. It is a great pleasure to welcome
all of you to this analyst meet for our second quarter financial year 2023 result
announcement. Thank you so much for attending this conference. I would also like to take a
moment to wish everyone a great Diwali, which we will be celebrating soon. Let there be an
abundance of light in each one of our lives both professionally and personally.

The Indian economy today is witnessing a significant growth across all sectors despite the
inflationary hurdles and global headwinds. We are now the fifth major economy in the
world and are performing better than many other major global economy. As you may leave
pandemic behind us, the banking system along with our entire economy is looking forward
to a sustained growth rate. IDBI bank continues to move on its growth trajectory with yet
another strong quarterly performance. While our CFO will present the highlights of our
quarterly results to you, let me brief you some of the key highlights of our performance and
growth. So first of all, the net profit we have recorded a highest every quarterly net profit in
the history of the bank by showing a profit of 828 Crores, which is 46% Y-o-Y growth and
10% Q-o-Q growth. The other parameters also like operating profit, net interest income and
net interest margin have shown substantial improvement. CASA ratio, we have been able to
maintain at 56.19% and there has been overall growth of 54 basis points Q-o-Q. Similarly
ROI which we had indicated that it will above 1%. The ROS for the quarter was 1.09%
growth of 30 basis points Y-o-Y and on the asset quality front, net NPA is 1.15%, reduction
of 56 basis points Y-o-Y and 10 basis points 

…