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Welcome to the Media Representatives

Welcome to the Media Representatives. Presentation to the Media Representatives on Performance during FY 2005-06 April 21, 2006. Our Vision.

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Welcome to the Media Representatives

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  1. Welcome to the Media Representatives

  2. Presentation to the Media Representatives on Performance during FY 2005-06 April 21, 2006

  3. Our Vision “To be the trusted partner in progress by leveraging quality human capital and setting global standards of excellence to build the most valued financial conglomerate”

  4. Contents Highlights Financial Performance

  5. Highlights Balance Sheet • Deposit Grew by 72.16% to Rs.26000 Cr. in 2005-06 compared to System Growth of 17.9% • Retail Deposit Growth of 44%. Current A/c and Saving A/c constitute nearly 30% of total deposits • Gross Advances of the Bank grew by over 15% to Rs.56322 Cr. in 2005-06 powered by higher growth in retail advances which grew by 50% YoY • Retail Advances constituted 16.2% of total advances vis-à-vis 12.53% in 2004-05

  6. Highlights Profitability • Net Interest Income for 4QFY06 grew by 192% to Rs.334.90 crore vis-à-vis Rs.114.75 crore of 4QFY05 • Increase in Profit After Tax to Rs.201 crore for 4QFY06 vis-à-vis Rs.189.29 in 4QFY05 • PAT for YE 2006 at Rs.561 crore vis-à-vis Rs.307 crore for YE 2005

  7. Highlights Others • Balance sheet grew by 9% to Rs.88564.78 crore as at 31-Mar-06 vis-à-vis Rs.81,360.25 crore as at 31-Mar-05 • Total business [Deposits + Advances] grew by 30% to Rs.78,518 crore • CRAR – 14.80% [Tier I – 11.75% <> Tier 11 – 3.05%] • Number of Branches have increased by 16 to 171 • ATMs have increased by 46 to 377

  8. Highlights Others • Significant progress in asset resolution • Reduction in Net NPA ratio to 1.01% at 31-Mar-06 from 1.74% at 31-Mar-05 • Recovery from Fully Written-Off cases aggregated Rs.1066 crore • Recovery from NPA [incl FWO] aggregated Rs.1738 crore during the year

  9. IT Achievements • Awards Won during the year • IT Team of the Year Award of IBA • Best IT Security Practices Award of NASSCOM • Best CTO Award of Cyber Media • Key Projects • Airline ticketing through ATMs • Setup of Data Center and Disaster Recovery Center • Internet Banking Enabled Multi-Functional KIOSK • Kolkata and Haldia Port Trust Internet Banking Payment and MIS Modules • Online Payment of Central Excise and Service Tax • Insta Online Account Facility • Website Integration of Both SBUs

  10. Contents Highlights Financial Performance

  11. Profit & Loss Account

  12. P&L Account [Q4’06 over Q4’05] Rs. Crore Quarter Performance Analysis

  13. Key Profitability Indicators

  14. Key Operating Indicators

  15. Balance Sheet

  16. Balance Sheet Ratios

  17. Asset Profile Non Performing Assets Asset Composition * Rs.crore * Gross Loans & Advances NPAs lower at 1.01%

  18. Key stock indicators Shareholding Pattern (Mar ’06) @ @ GoI to retain at least 51% stake at all times @ - end March 2006 IDBI stock has shown moderate performance over the last few months Increased FII interest; holding at nearly 12.3% as on Mar 31, ‘06 compared to around 8% as on Sept 30, ‘04 Scope for re-rating on successful conversion to a full fledged Banking Company

  19. Strong Capital Position & Credit Rating Credit Strength Capital Adequacy Strong GoI support to IDBI Financial Strength of IDBI Credit Rating at par with the Sovereign by Moody’s and FITCH Capital considerably higher than the current RBI requirement of 9% IDBI has sufficient capital to fund expansion as well as to meet Basle II norms

  20. Manpower Position IDBI Ltd.

  21. Highlights New Business Initiatives • Entered into JV with Fortis for Insurance Sector • Signed MoU with SIDBI for co-financing to SME borrowers • Big Ticket Syndication of loans to Air India, Hindalco, Idea Cellular, Petrocon, DLF Universal, etc. • Extended Food Credit for the first time to the extent of Rs.500 crore to FCI • Launched on-line submission of L/C applications iNetlc submit

  22. Network & delivery channels • 171 branches [Rural 6, Semi-Urban 29, Urban 75, Metro 61] • 4 extension counters • 377 ATMs • Presence in 100 cities • Internet banking • Retail customer base: 5 million + • Corporate customers: 3000 +

  23. Consolidated Position IDBI Ltd. & Subsidiaries

  24. Performance Highlights SASF

  25. Performance Highlights [Contd.] SASF

  26. Thank You

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