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1130-April-10 1

Presentationon Performance during

FY (2009 10)

April 30, 2010

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Highlights

Balance

Business stands at Rs.3.06 lakh Crore

Balance sheet size at Rs.2.34 lakh Crore

Deposits at Rs.1,67,667 Crore; growth 49%

CASA at 14.59% of total deposits

Advances at Rs.1,38,202 Crore; growth 34%

Business per Employee Rs.24.17 Crore

Profit per Employee Rs.8.44 lakh

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Highlights Q on Q

P

rofitabi

NII Q4 FY 10 at Rs.760 Crore (Q4 FY 09 Rs.517 Crore)

NII Q4 FY 10 up by 47%

Fee based income for Q4 FY 10 up by 34% to Rs.444 Crore

(Q4 FY 09 Rs.330 Crore)

PAT Q4 FY 10 Rs.318 Crore (Q4 FY 09 Rs.314 Crore)

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Highlights FY on FY

P

rofitabi

NII FY 10 at Rs. 2267 Crore (PY 09 Rs.1239 Crore).

NII FY 10 up by 83%.

Fee based income for FY 10 up by 59% to Rs.1435 Crore

(PY 09 Rs.901 Crore).

PAT FY 10 Rs.1031 Crore (PY 09 Rs.859 Crore) .

PAT for FY 10 up by 20%.

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Highlights

Oth

ers

Balance sheet growth at 36%

Total business [Dep. + Adv.] grew by 42% to

Rs.3,05,869 Crore

CRAR 11.31% (PY 09 11.57%)

- Tier I : 6.24% Tier II: 5.07%

Branches increased to 720

ATMs increased to 1210

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Profit & Loss Account(Rs. Crore)

30-April-10

Mar 10 Mar 09 Mar 10 Mar 09

Interest income 4081 3298 15273 11545

Interest expenses 3321 2781 13005 10306

Net Interest income 760 517 2267 1239

Other Income 547 436 2291 1476

Total income 1307 954 4558 2716

Operating Expenses 613 470 1831 1338

- Employee Cost 286 223 773 583

- Other Operating Expenses 328 247 1058 755Operating Profit 694 484 2727 1378

Provisions & contingencies 376 170 1696 519

- NPAs -86 29 236 119

- Restructured Assets 47 14 599 14

- Others (Invt., Std Asset, etc) 582 68 848 259

- Tax (Current Tax, FBT) 166 59 346 127

- Deferred Tax -333 0 -333 0

Profit After Tax 318 314 1031 859

ParticularsQuarter ended Year ended

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Details of Other Income(Rs. Crore)

30-April-10

Mar 10 Mar 09 Mar 10 Mar 09Commission, Excg & Brkg 368 270 1225 725

Profit on sale of investments 67 126 748 410

Profit/(Loss) on revaluation of investment -6 -37 -51 -86

Profit on sale of Fixed Assets -1 14 -1 13

Profit on forex/derivatives 26 27 98 87

Dividend from subsidiaries 0 0 18 14Recovery from written off cases 37 22 121 199

Other misc income 56 14 132 114

Total * 547 436 2291 1476

* Fee Based Income 444 330 1435 901

Particulars

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Details of Operating Expenses(Rs. Crore)

30-April-10

Mar 10 Mar 09 Mar 10 Mar 09

Staff Cost 286 223 773 583

Rent, taxes & lighting 62 30 178 114

Printing & stationery 8 8 29 26

Advertisement & Publicity 7 23 46 48

Depreciation 32 -19 91 53

Postage, Telegram, Teleph., etc 23 14 64 50

Repairs and maintenance 25 18 84 65Insurance 30 19 114 69

Banking expenses 13 10 47 37

Expenses for recovery of write off cases 1 1 4 4

Outsourcing expenses 55 63 153 132

Fee and other expenses for borrowing 18 9 74 36

Other expenditure 53 70 173 121

TOTAL 613 470 1831 1338

Particulars

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Key Profitability Indicators

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Mar 10 Mar 09 Mar 10 Mar 09Net Interest Margin (%) 1.57% 1.64% 1.28% 0.99%

Operating Profit Margin 1.31% 1.39% 1.40% 0.99%

Return on Assets (%) 0.60% 0.90% 0.53% 0.62%

Return on Equity (%) 15.52% 17.70% 13.14% 12.11%

Cost of all liabilities (%) 6.25% 7.98% 6.69% 7.39%

Yield on Total Assets 8.72% 10.71% 9.03% 9.34%Margin (%) 2.46% 2.74% 2.34% 1.95%

Cost of Funds (%) 6.86% 9.08% 7.35% 8.42%

Return on Earning Assets (%) 9.02% 11.32% 9.38% 9.87%

Spread (%) 2.16% 2.24% 2.03% 1.45%

Low cost funds to Total Funds (%) 14.59% 14.78% 14.59% 14.78%

Net NPA Ratio (%) 1.02% 0.92% 1.02% 0.92%

Particulars

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Key Operating Indicators

30-April-10

M a r 1 0M a r 0 9M a r 1 0M a r 0

N o n- in te r e s t inco me to T o ta l I ncom e1 1 . 8 2 % 1 1 . 0 7 % 1 3 . 0 4 % 1 1 . 3 4

Effic ienc y [C o s t -N et Inco me ] R at io4 6 . 9 1 % 5 0 . 0 5 % 4 0 . 1 8 % 4 9 . 2 6

S ta ff E xp e ns e s to to ta l inc o m e 6 .0 5 % 6 .0 9 % 4 .3 1 % 4 .3 7

S ta ff E xp e ns e s to to ta l e xp e ns e s 7 .1 2 % 7 .0 0 % 5 .1 0 % 5 .0 0

O ve rhe a d e ffic ie nc y ra tio 8 9 .2 0 % 9 3 .7 8 %1 2 5 .0 9 %1 1 0 .3 5

Part iculars

Q ua rte r e nd Y e a r e nd e d

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Balance Sheet(Rs. Crore)

30-April-10

As at 31-Mar-10 31-Mar-09

LIABILITIES

Capital 725 725

Reserve &Surplus 9438 8697

[Net Worth] 8197 7413

Deposits 167667 112401

Borrowings 47709 44417

Other Liabilities &provisions 8032 6162

Total 233572 172402

ASSETS

Cash&balance withRBI 13903 8592

Bal. withbanks & moneyat call 679 2628

Investments 73345 50048

Advances 138202 103444

Fixed Assets [incl. leased assets] 2997 2824

Other Assets 4445 4867

Total 233572 172402

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Balance Sheet Ratios

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31-Mar-10 31-Mar-09

Total Business [Dep. + Adv.] (Rs Crore) 305869 215845

Net NPAs to Net Advances 1.02% 0.92%SBDeposits to Total Deposits 5.24% 4.89%

Current Account Deposits to Total Deposits 9.35% 9.89%

Time Deposits to Total Deposits 85.41% 85.22%

Book Value - Rs. 113.08 102.29

Total Off B/Sheet itemto Total Assets 54.04% 66.83%

Owned Funds to total outside liabilities 3.81% 4.73%

Tier One Capital 11095 9559

Tier Two Capital 9006 6682

Total Capital 20101 16241

Funded Assets 118218 90678

Total Risk Weighted Assets 177688 140405

Total Risk Weighted Assets to Total Assets 76.07% 81.44%

CRAR(Total) 11.31% 11.57%

CRAR- Tier I 6.24% 6.81%

CRAR- Tier II 5.07% 4.76%

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NPAs

A

ssetQu

a

As at 31-March-2010 (Rs.Crore)

Gross Advances 138925

Gross NPAs 2129

Gross NPAs as % of Gross Advances 1.53

Total Provisions held 723

Net Advances 138202

Net NPAs 1406

Net NPAs as % of Net Advances 1.02

Provision Coverage Ratio 74.86

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Significant Developments

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Commenced operations of first overseas branch at the DubaiInternational Financial Centre (DIFC), Dubai

IDBI Asset Management Ltd. (IDBI AMC), received licence to launchMutual Fund operations in March 2010.

Launched Corporate campaign with renewed focus - well appreciatedand bagged number of Awards.

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Thank You