Welcome to the

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

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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

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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 ltgt Tier 11
  3.05
• Number of Branches have increased by 16 to 171
• ATMs have increased by 46 to 377

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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

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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

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Contents
Highlights
Financial Performance
11
Profit Loss Account
12
PL Account Q406 over Q405
Rs. Crore
Quarter Performance Analysis
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Key Profitability Indicators
14
Key Operating Indicators
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Balance Sheet
16
Balance Sheet Ratios
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Asset Profile
Non Performing Assets
Asset Composition
Rs.crore
Gross Loans Advances
NPAs lower at 1.01
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Key stock indicators
Shareholding Pattern (Mar 06)
_at_
_at_
GoI to retain at least 51 stake at all times
_at_ - 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
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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
Moodys 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
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Manpower Position
IDBI Ltd.
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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

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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

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Consolidated Position
IDBI Ltd. Subsidiaries
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Performance Highlights
SASF
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Performance Highlights Contd.
SASF
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Thank You