Industrial Development Bank of India Limited

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• Industrial Development Bank of India Limited
• Results for period
• ended December 2007

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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
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The Journey so far

• Genesis
• 1964 - Established as a wholly-owned subsidiary
  of the Reserve Bank of India (RBI)
• 1976 - 100 ownership transferred to Government
  of India (GoI)
• 1995 - Domestic IPO reduced GoI stake to 72
• 2004 Converted into a Banking Company
• Largest DFI in India
• Played an apex role in providing project
  financing
• Catalysed cumulative investments of over US 41
  bn
• Profitable operations for more than forty years
• Institutional Capital Market development
• By setting up the Small Industries Development
  Bank of India (SIDBI), Export Import Bank of
  India (EXIM Bank), National Stock Exchange an
  electronic Stock Exchange, NSDL a Securities
  Depository, CARE a Rating Agency, SHCIL a
  Depository, etc.

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Financial Highlights Nine months ended Dec 07

• IDBI
• Balance sheet at Rs.1,13,182 crore (USD 28.72
  bln)
• Total business including deposits, borrowings and
  advances at Rs.1,62,847 crore (USD 41.32 bln)
• Total business(excl. borr.) Rs.1,25,332 Cr. (USD
  31.80 bln)
• Deposits surged to Rs. 56,889 cr. (USD 14.43 bln)
• Total Income Rs.7,028 crore (USD 1.78 bln)
• PAT at Rs.484 crore (USD 122.91 mln)
• Net NPAs at 1.19 of net advances
• CRAR 13.31 Tier-I 8.57
• RoA 0.61 RoE 10.03
• Gross NPA Rs.1,579 crore (2.24)
• Net NPA - Rs.831 crore (1.19)
• (Conversions based on Dec 31,2007 exchange rates
  of 1 USDRs.39.415)

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Profit Loss Account
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Details of Other Income
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Balance Sheet
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Key Profitability Indicators
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Strong Capital base

• Capital considerably higher than the current RBI
  requirement of 9

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Asset Quality
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Key Stock Indicators
Shareholding Pattern Dec 31, 2007
_at_
_at_
_at_ -December 31, 2007 annualised
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Strong Investment Portfolio
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IT Achievements

• Awards
• Won two special awards, for Best Payments
  Initiative and Outstanding Achiever of the
  Year" - Shri Sanjay Sharma, Advisor-IT for the
  year 2007 from the Indian Banks' Association, in
  recognition of its customer-centric IT
  initiatives.
• Achievements
• Branches/Offices of UWB networked and connected
  to main stream network of IDBI incl. ATMs.
• Seamless integration of UBSBU Branches into Core
  Banking Technology platform of IDBI
• CFS Implementation - First Bank to integrate
  Commercial Wholesale banking
• IDBI has launched a new debit card in a tie-up
  with MasterCard which extends its range of debit
  cards.
• During the quarter, the Bank established a US1.5
  billion Medium Term Note Programme (MTN
  Programme"). The programme will now enable the
  Bank to issue various debt instruments in the
  international capital markets, including Senior
  Notes, Upper Tier-2 notes and Hybrid Tier-1
  notes, under a single documentation platform.

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Delivery Outlets

• Presence in 302 important commercial centres in
  India
• Continuously expanding branch network with 496
  branches as on December 31, 2007
• 626 ATMs
• All branches are operating on core banking
  platform using Finacle
• Internet Banking
• Mobile Branch

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Thrust Area for 2007-08

• Improvement in Margins
• Enlarging Depositor Base CASA deposits
• Faster recovery from FWO cases
• Augmenting fee-based income
• Increasing Retail Assets, SME Priority Sector
  Lending to improve margins
• Financial Inclusion
• To bring NPA level below 1
• Branch Expansion
• Human Resource Development
• Organizational Restructuring- Adviser Mckinsey

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New Business Initiatives

• IDBI completed the reorganisation of its business
  into separate verticals focused on SME,
  Agri-business, Personal Banking, Mid Corporate,
  Large Corporate and Infrastructure. A separate
  Recovery vertical has also been created for
  handling stressed assets.
• IDBI Fortis Life Insurance Product launch
  expected soon
• IDBI Gilts Commenced activities
• Bank will also open branches in Singapore, Dubai
  and Shanghai, with either the Dubai or Singapore
  branch opening likely by the end of March
• Steps initiated for mortgage guarantee business
• Took another initiative in reaching out to the
  smaller clients by introducing facility of
  Online application for educational loan.
• Bank introduced a new product for encashment/sale
  of Foreign Currency by NRI Clients and encashment
  of Travellers Cheques by Banks existing NRI
  customers.

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Concluding remarks
Indias healthy economic outlook - On the
threshold of a high growth path
Indian Banking Sector - Offering High Growth
Opportunities
IDBI Limited - A new, revitalized and vibrant
organization with strong business prospects
Aspiring to be among Indias most trusted and
valued Financial Conglomerates
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Thank You
Please visit our website www.idbi.com