Interim report
Page 1
aTW3W{laMB+b +aWarqfaa : 3W@3R+'Th, gMtHt zffn8qa, nu Ins, @ - 400 005. afM6ta : (+91 22) 6655 3355 (+91 22) 6655 3405, 3410 aWfTSe : www.idbi.bank in IDBI Bank Limited Regd. Once : IDBI Tower, WTC Complex, Cuffe Parade, Mumbai - 400 005 TEL.: (+91 22) 6655 3355 (+91 22) 6655 3405, 3410 Website : www.idbi.bank.in CIN: L65190MH2004G01148838 17 &TW( 2026 The Manager (Listing) BSE Ltd 25th Floor, Phiroz Jeejeebhoy Towers. DalaI Street, Fort 400 001Mumba 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 05 1 Dear Sir/Madam, Un-audited Financial Results for the Quarter and Half year ended September 30, 2026 and Limited Review Report submitted by Statutory Auditors In terms of Regulations 33 and 52 of the SEBI (LODR) Regulations, 2015, we advise that the Board of Directors of IDBI Bank Ltd., at their meeting held on Saturday, October 17, 2026, have taken on record the Un-audited Financial Results of the Bank for the quarter and half year ended September 30, 2026. We enclose a statement of the results approved at the above meeting. The Board Meeting commenced at 12 noon and concluded at Z•%> p.m. Further, please find enclosed the Limited Review Report for the quarter and half year ended September 30, 2026 received from Suri & Co. and Chokshi & Chokshi, Statutory Auditors of IDBI Bank Ltd. Kindly acknowledge receipt and take the above on record. „Magi la aTM afT{8©HRjg .d\o\}. @itfR-„*I &qqHR4
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CIN: L65190MH2004G01148838 IDBI BANK LINlITED Unaudited Standalone Financial Results for the Quarter and Half \’ear ended September 309 2026 Sr. No. Particulars Interest earned (a)+( b)+(c)+(d: r C Interest on balances with Reserve Bank cif India and other inter bank tLJ lfunds Others 1 (d) I me (Refer Note 9)2 A. 4 a llltcrcst L\r~crl,lcci HM Expenses (i)+(ii) (i) (ii) Elllplovees cost Mcr operating expel B. C. D. E. F. G. H. 1. o (excluding provisions and contingencies) (Profit before Provisions & Contingencies Provisions ( other than ta\) and Con Mencies (Net) (lncluding write ofT's) of which provisions for Non-performing Assets (Net ofreversals) Exccptiorlal items Profit from Ordinary Activities before tax (C-D-E) Net Profit from Ordinary Activities after tax ( F-G) I Extraordinary items (net of Wrl)fit for thejleriod ( 11-1 ) Paid-up equity share capital ( Face Value ? 10/- Per Share) ling Revaluation Reserves (as per Balance sheet of previous6 7 year ) \ a nat (a) CET 1 Ratio (98) (b) Additional Tier 1 ratio („,) s er Share (EPS) (?) (Face Value ? 10 Per Share) (a) Basic EPS- Before and A expense) (not annualised) (b) Diluted EPS- Before and After Extraordinary items (nct of tax expense) (not annualised) NPA Amount/ Ratios a) Gross NP As (b) Net NPAs (c) ob of Gross XI’ As to Gross Advances (d) % of Net NPAs to Net Advances Net Interest NIltrain Q, (Annuilll sed) Return on Assets Qt) ( Annualised) Net Worth (excl. Revaluation Reserve. FCTR & lntangibles) n\ ( V ) ( vi ) (vii) Debt Equity Ratio (times) (equjty excludes revaluation reserve. FCTR & intangibles) Total debts to total assets 'IIt outstillldillu rcdeelnablc Preference Shares @IItital Redemption Rescr\ c Debenture Rcdclllpti011 Rcscr\ c (X) (Xi) (XII) al{gtqt3Tf ia firf+r& +a®mqfMq : 3RWHr§ aTa?, gHgt;jt Maw, nn qts. @ - 400 005. afbIHta : (+91 22) 6655 3355 (+91 22) 6655 3405, 3410, 3404 hM : (+91 22) 2218 0411 dearSC : www.idbibank.in Quarter Ended 30 a 8,51 2. 14 S I 4 45.83 1 ,352.97 9,865. 1 2 4,284.40 2,688. 1 S 1 ,288.34 1,399.8 1 6,972.61 2,892.5 1 8.55 (853.62) 2,883.96 678,51 2,205.45 :05.45 10,752.40 45.48 27. 1 o 26,55 2 OS 2.05 5_859.85 460.94 61,164 14 0 53 6. 75 30.09.2025 Unaudited ' 7, 1 0 1.23 4,779.6 1 2,062, 13 233 24 30.50 1,031.58 8,573.02 4_(1:iS,=S 2_349.93 29 25 2,489.4 1 9,593.64 3.819.22 2,25 1 .64 1.118.95 1 ,230.98 6,405.2 1 1 ,00 1 .29 1 ,250.35 6,070.86 2,167.81 3,522.78 (636.87) (522.01 ) (652.6 1 ) (578.80) 2,804.68 689.50 2,115.18 4, 1 75.39 548.03 m6 2,115.18 I o,752.40 3,627.36 IO,752.40 45.48 26.92 26.38 45.48 25.39 23,79 1 .97 1 ,97 6,242.00 474.22 2 65 0.21 3.71 3.55 5 1 .90 1 .39 6_089.65 +25.50 2.30 0.44 5.87 IDBI Bank Limited Regd. Office : IDBI Tower. WTC Complex, CuRe Parade. Mumbai - 400 005 TEL.: (+91 22) 6655 3355 (+91 22) 6655 3405, 3410. 3404 FAX : (+91 22) 2218 0411 Website : www.idbibank.in Half Year Ended JO( r I I 4 8 76.32 2,384.55 18,438. 13 8.339.73 5,038.08 : +07 )o 2.630, 70 13,377.81 5,061).32 (628.32) ( 1,375.63 ) 5,688.64 1 ,368.01 4,320.63 1,320.63 10.752.40 45.48 27.10 26.55 4.02 4.02 5.859.85 460.94 2 12 0, 17 3.86 t .86 61,164. 14 0,47 o. 53 58 : 6.75 HI- tIt FRN: 0012839 Dr Year Ended 3 1 ,03,2026 Audited 28.997.26 1 9, 403.49 S_ 1 9(1,bo 964.57 58.80 3,926.44 18,051 .68 7,674.46 4,500.39 2_093.2 1 2,407. 18 12, 174.85 5,876.83 (832.07) (964. 10) 6,708.90 1 ,074. 17 5,634.73 5,634.73 10,752.40 45.48 25.39 23.79 5.24 5.24 6,242.00 474.22 2.65 0.2 1 3,70 2 a 9 5 1,90 1 .39 0.47 5,83 (? in Crore) 438.60 6,746.27 35,743.53 15,485.61 9,420.40 4,358.35 5.062.05 24,906.01 10,837.52 ( 1 ,088.35 ) ( 2,71 5.69 ) I1,925.87 2.412.51 9,513.36 9,513.36 10,752.40 48,869.0 1 +5.48 2tt . 6 S 25.56 8.85 8.85 6_028. 12 379.90 2 S) 0.15 3.77 55.748.93 0.5 o 6.o I
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CIN: L65190MH2004G01148838 Sr. No. aO b. CO d. 1) 2) 3) +) 1 tcmber 30, 2026 Particulars l mIc\ale tl;111k1 ns Retail bankin£ Trm; < )ther banking operations Unallocated mt F==FIllin:=- Net Sculllcllt llc\’cllllc 1)ch)re ta\c Corn Retail banking Treasury ( )ther banking operations r Profit/( Lx)ss) before tax r I Corporate '\\'llolcsalc ha111 Retail banking Treasury Other banking operations r 1 assets Tot l[]tBI c Corporiltc \\'tltll,'saIc ht1111 Mail banking Treasury ( )tllcr llilnki ne opcratitln, Unallocated li=tlilit ics Total liabilities Capital empjoyed (Segment assets-Segment liabilities CoM\!&imiRl'Ic hankMl Retail bankin! Treasury Other banking operations IJ naI located 'I-ot :l1 Notes on Segment llc1)ortin Treasury, Corporate/Wholesale BankIng. Retail BankIng and other Banking operatIons target customer profile, the organIzation structure and the Internal reporting system of the Bank 1_td (5==mt I I I m-=(Tim t c ( 2.911.56 1 0,088.00 3.679,29 91 78 26. 85 1 6,797.48 m mBHB 1 ,247.43 764 , 9+ 775,88 68.89 26 Sl 2,883.96 mW 88,508,22 ].( )o.7+ 3.66 1 ,90,0 1 5.38 +7_75 2.642,86 54_648_ 72 3.28.659.98 26_728, 16 7,31 361.73 33,859.50 ( 1 ,27,917.32) 1 .63,287.22 40 ++ 2.281.13 7 1 ,550.97 2_23 1 .43 ').o+( ) 5: 3 ,470.27 45.33 9.07 15, im m8 S.5H3.(}] 280.87 1, 106.15 1 ,375.74 32,85 c) ( IT E2Z}]W4s] mm E:aM 82,780.65 1 _9+.')05. 16 1 ,63,972.64 25.61 2,8 19.90 42,726.92 3_04_563.99 27.497,: 1 4.95 EMIMXXin 40,053.73 1 ,36,475.43 : ( ) . 66 2,8 19.90 69,7 1 o.89 L[ ]-n 2_079 04 8_54S o+ 4,975 , 6 1 74.38 3.14 15,680. 1 1 + 9,593.64 795.77 987 09 3,330, 94 58 46 3 13 J. 1 75.39 m4 EMiR 67,451 06 1,75,631 29 1 ,66,371 67 20.77 5.717 ++ WW 37_783 85 2,78,363 85 31 ,759.47 6.14 ©mJBRil 29,667 2 1 ( 1 ,02.73: 5(1 ) 1 ,3+,6 12 20 1+ 63 5,717.44 67,278.92 5.14: 99 1 9,728 52 7, 1 49.56 137 10 35.93 32, 194.10 8 4.266. 1 5 16,963.62 8.938. 33 1 3.13 30,284.52 l 8 E E 1 ,528.28 1,871.10 2.151.62 101,72 35.93 5,688.65 m D2 n=T 67,45 1 .06 1 ,75,63 1 .29 1 ,66,371 .67 30.77 5,71 7.44 MMEa 88,508.2: 2.oo,7+2.66 1 .90,O 1 5.38 47.75 2,642.86 54,648.7: 3.28_6:It> QS 26,728 16 7.31 361.73 J. I o,105.90 37,783.85 : TS 3(13 SS 3 1 ,759.47 6, I+ 3,47,913.30 33_859.50 ( 1 .27,91 7.32 ) 1 .63,287.22 40.44 2_281 . 13 HElllM 29,667.21 ( 1 ,02.732 56)' 1 ,34.6 1 2.20 14.63 5.717 ++ EtHl181ilqIkE (? in Crore) \’ear Ended 31 .03.2026 mI 8,736 67 35.030.58 16, 1 10.04 252 72 329.30 60,459.3 1 Tna 35.-+3.53 1 ,739.89 1 ,555.65 3'3:: 9+ 87,28 3.13 6,708.90 nc + 3 :++ 5+ 3.26+ 52 4_897 28 190.51 329 { )] I1 .925.87 n+ U3 77,+ 1 9.25 1 .90. 1 8+ 53 1 ,94.102 9 1 :5 (1 1 4.116 82 4,65,849. 1 2 43_474 31 3.13_+')7 85 4 1 . 235 43 3 95 3,98.2 1 1.54 33,944.94 ( 1 ,23.313.32) 1 ,52,867 48 2 1 .66 4.116.82 [@l@Wg FIg
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CIN: L65190MH2004G01148838 IDBI BANK LIMITED STANDALONE CASll Fi,o\V STATEMENT FOR THE HALF \'EAR ENDED SEPTEMBER 30, 2026 Particulars a Ilo\r fromaLCHtj_nactivitj£s ( 1 ) Net profit/( loss) before tax and extra-ordinary items (2) Adjustments : - (Profit) / Loss on sale of Fixed Assets - Depreciation and revaluation loss - Amortisation of premium on Held to Maturity investments :Fr M;ii;/m off of Loans/ Investments r ns for Standard and Restructured Assets - Other Provisions - ( Profit)/ Loss on Sale of Strategic Investment - Interest Expense booked on account of recycle of CFHR - ( Profit)/ Loss on revaluation of Investments Interest on borrowings (other than operational activities) mFr;=iary companies/joint ventures/Associates (3) Adjustments for (increase)/ decrease in operating assets: - In\'cstlllcnts - Advances - Other Assets ( 4) Adjustments for increase/ (decrease) in operating liabilities: - Borrcl\\’ings =)eposits and provisions Cash Flo\v from Operating Activities before taxes Direct Taxes paid (Net of Refund) Net Cash flow from / (used in) Operating activities a mi including work in progress - Sale of fixed assets - Proceeds from Sale of Strategic Investment • Dividend received from subsidiary companies/joint ventures/Associates Net Cash no+v from / (used in) Investing activities a • Dividend paid - interest paid on borrowings - Redemption of Bonds Net Cash flow from / (used in) Financing activities D. Effect of exchange fluctuation on translation reserve Net increase/ (decrease) in cash & ca$ valcnts (A+B+C+D) t-ash & Cash Equivalents as at the beginning of the year Cash & Cash I':qui\'alents as at the end of the period BUnT;;IIT=<=merIt : Fc t tied in the cash now following Balance Sheet items =mlZmmm Balances \\'ith banks & money at call and short nc)Lice Totat/'fT-T> r thestatement comprIse ;:GTa–ci=tTmsing Indi! tERN- Half Year ended 30.09.2026 1 30.09.2025 t 5.688.6+ 2.50 295.95 75.54 (494.69) 487.16 (620,79) 11.87 ( 1 09.96) 1.10 (23.13) 5,314.19 6,423.71 ( 18.145.12) 42.59 4,466.44 8.520.85 ( 1,600,92) 5,02 1 .74 9.71 5,03 1 .+5 ( 199.20) 1 .55 23.13 ( 1 74.52) m( (36.94) (5.00 ) (41.99) o . 32 4,815.26 6 43.343.9 1 1 8.309. 1 1 6 1 ,653.02 6.708.90 o,39 3 1 0.65 66.9 1 113.54 m m6 m7 (25.50) 134.41 ( 16.50) 4,629.39 ( 1 ,645,94) (11.983.18) m9 4.057.03 (6.803.53) 390.64 ( 12,334.97) ( 12,329.72) ( 146.30) 0.84 1.722.24 16.50 1 ,593.28 i!TiR:3-ii (30.49) 302.00 ( 1 ,984.82) 2.1 o 12,719.17' 44.4 1 6. 19 3 1 ,697.03 20. 1 98.29 11.498.74 31.697.03 (? in crore) \’ear ended 3 1.03.2026 I 11.925.87 9.43 610.39 137.51 97.10 ( 1.080.06) ( 105.39) ( 1 .725.74) ( 166.45) 208.7 1 ( 18.50) 9,892.87 (8.331.62) (35.363.05) ( 1 ,689.21 ) 11.374.26 36.950.73 3.53 1 .96 16,365.93 386.37 16,752.30 (322.60) 1 .9+ 1.730.19 18.50 1 ,428.03 (2,256.67) (318.93) (3,202.00) (5,777.60) 18.85 12,421.58 44.4 1 6. 1 8 56,837.76 33.230.37 23.607.39 56,837.76 [ /{
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Chokshi & Chokshi LLP Chartered Accountants 15/17, Raghavji B Bldg, Ground Floor, Raghavji Road, Gowalia Tank. Off Kemps Corner, Mumbai 400036 LLP Registration No. AAC-8909 Suri & Co Chartered Accountants Unit No. 2A I Gundecha Onclave Kherani Road, Sakinaka it), Mumbai - 400072Andheri INDEPENDENT AUDITORS’ LIMITED REVIEW REPORT ON UNAUDITED STANDALONE FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2026 OF IDBI BANK LIMITED PURSUANT TO THE REGULATIONS 33 AND 52 READ WITH REGULATION 63(2) OF THE SEBI (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2015, AS AMENDED To, The Board of Directors IDBI Bank Limited Mumbai 1. We have reviewed the accompanying Statement of Unaudited Standalone Financial Results of IDBI Bank Limited (hereinafter referred to as “the Bank”) for the quarter and half year ended September 30, 2026 (“the Statement”), being submitted by the Bank pursuant to the requirements of Regulations 33 and 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended (“the Listing Regulations”), except for the disclosures relating to Pillar 3 as at September 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank’s website and in respect of which a link has been provided in the Note 14 to the Statement, which have not been reviewed by us. We have initialed the Statement for identification purposes only This Statement, which is the responsibility of the Bank's Management and approved by the Bank’s Board of Directors, has been prepared in accordance with recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" (“AS 25”), as prescribed under section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (“the RBI”) in respect of income recognition, asset classification, provisioning and other related matters from time to time ("the RBI Guidelines") and other accounting principles generally accepted in India and in compliance with the Listing Regulations, Our responsibility is to express a conclusion on the Statement based on our review. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 24 1 0 " Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review consists of inquiries of Bank’s personnel, primarily responsible for financial and accounting matters, and analytical procedures applied to financial data, A review is substantially less in scope and thus provides less assurance than an audit conducted in accordance with the Standards on Auditing specifIed under Section 143(10) of the Companies Act, 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion 2. 3 Page 1 of 2 MI bt t FRM: OD421 U) 400 072
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Chokshi & Chokshi LLP Chartered Accountants Suri & Co Chartered Accountants Conclusion 4. Based on our review conducted as stated in paragraph 3 above, nothing has come to our attention that causes us to believe that the accompanying Statement, including notes thereon, has not been prepared in accordance with the recognition and measurement principles laid down in AS 25, prescribed under Section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, RBI Guidelines and other accounting principles generally accepted in India and has not disclosed the information required to be disclosed in terms of the Listing Regulations including the manner in which it is to be disclosed or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters except for the disclosures relating to Pillar 3 as at September 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank’s website and in respect of which a link has been provided in the Note 14 to the Statement. which have not been reviewed by us. For Chokshi & Chokshi LLP Chartered Accountants Firm Regn. No. 101872\V / W100045 For Suri & Co. Chartered Accountants Firm Regn. No. 004283S }## ;’' /FRN: OtH2B3S\ ’o !HI Xi:-=T;p;b (E„d=*- f/ P Prasanna Partner Membership No. 228180 Place : Mumbai Date : 17th October 2026 UDIN : 26228180AKAKNP9548 f Partner Membership No. 042364 260423641JNPSY8805UDIN l\lumbaiPlace 17th October 2026Date Page 2 of 2
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CIN: L65190MH2004G01148838 Sr. No. 1 a F. L. 5 6 7 IDBI BANK LINlITED Unaudited Consolidated Financial Results for the Quarter and Half Year ended September 30, 2026 Particulars @st earned (a)+(b)+(c)+(d) 1 I Interest on balances \vith Rescr\’c Bank of India and other inter bank funds mI (C) (d) Other Income Total Income ( 1+2) Interest Expended Operating Ex1 :nses ( i )+( ii ) r I Total Expenditure (3+4) Operating profit (A-B) Provisions (other than tax) and Contingencies (Net) of which provisions for Non-performin; t Exceptional items Profit from Ordinary Activities before tal Tax Expense Net Profit from Ordinary Activities after tax (F-G) Extraordinary items (net of tax expense) leriod before Nlinoritva) Net Profit for the l e b) Net Profit for the period after Nlinoritv Interest 1)aid-up equity share capital (Face Value ? 1 0/- Per Share) e per Balance sheet of previous year) .Anajytjcal Ratios & Other Disclosures r f India (ii) a (a) CET 1 Ratio (%) (b) Additional Tier 1 ratio (%) a t 10/- Per Share ) (a) Basic EPS- Before and After ExtraordinarY items (net of tax expense) (not annualised) (iii) (b) Diluted EPS- Before and After Extraordinary items (net of tax expense ) ( not annualised ) Fe 4 §}?~:i! Quarter Ended 30.06.2026 Unaudited' 7,549.28 5,23 1 .30 + 30.09.2026 8,51 9.33 5,992.54 2.052 16 428 80 1 256.82 45 83 1 ,4 1 7.05 9,936.38 4,281 56 2,730 19 1 ,349.27 1 ,380.92 7,011.75 2,924.63 10.18 06 2,9 1 4.45 688.2 1 2,226.24 2,226.24 1 1,79 2 10,752 40 45 48 27 22 26.67 2 06 2.061 1 .981 3.oo1 4 041 4.881 8.57 30.09.2025 (Unaudited) 7, 109.0 1 4,779.58 W7.5} 3 1 .68 1 ,084.00 8,633.28 4,052.70 2,387.29 1 , 1 70.88 1 ,2 1 6.4 1 6,439.99 2, 193.29 (636.02) t 2,829.3 1 698.74 Ul _ 2, 130.57 3.43 I 1 0,752.40 45 48 27.04 26.50 1 98 Half Year Ended ( r 6 232 85 29.03 2, 154.52 9,263.53 3,816.35 23300 22 1 ,048.58 1 ,25 1 .64 6, 1 1 6.57 3,146.96 (649,63 ) W 3,796.59 555.82 3,240.77 2 11 19 W2 10,752.40 45.48 25 53 23.94 3 00 685.63 1 420.81 77.50 2,50 1 .05 18,569.66 8,334.26 5,11748 2,520. 1 4 2,597.34 13,451.74 5,117.92 (625.84) ( 1 ,375.63 ) 5,743.76 1 ,386 9+ 3 3 15.23 W$1) 10,752 40 45 48 27 21 26.67 4 04 (t in Crore) Year Ended 3 1 .03.2026 Audited 29,01 9.59 1 9,403 ,34 832 1 2.92 58.83 3 ,626.44 17,762.07 7,667.65 4.569.73 2, 1 86.44 2,383.29 12,237.38 5,524.69 ( 828.49) U9 6,353.18 1 ,088.54 2 6 15.88 2 1 0,752.40 45.48 25.53 23.94 4.88 964.57 438.76 6,6 1 1 .60 35,631 . 19 1 5,474.48 9,575.06 4.564.01 5,01 1 .05 25,o+9.54 10,58 1 .65 ( 1 ,076.36) 1 1 ,658.0 1 2.446.55 W2 9,2 1 1.46 25.16 26.65 W) 1 0,752.40 49,795.59 45.48 26.80 25 71 8.57
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CIN: L65190MH2004G01148838 Sr. No. Consolidated Segment ReI Particulars Sc=mcllt llc\ clluc r iIinil Retail bankin1 Treasut C Jtllcr bankitl= tl1.criltittlls Unallocated Total Rsai==im revenue Net SemI!@\ CIm MS;cement Results -Prolit''( I1)ss 1 Retail bankin1 'I-rcilst ll Other banking operations Unallocated Profit/( Loss) before tax I b, _Net prllfit/( I.tlss ) Sc=mcllt iI\\CtS CorDorilt c ’\\'llolcsalc banl Retail bankill : Treasury mInDer ilt 111115 Unallocated assets ’1-IIt:l1 iI\\ct\ Sc=nlcrlt li:lllilitics ) Retail I)illlklll£ Treasul ( )tllcr baIIkin£ opel lltitllls Unallocated liabilities Total d. ,)ital empjoyed (Sc£mcnt asset I Retail bankinl Trcast ll \ Other banking operations Unallocated Fotal \(ltc:-. 1111 Sc=lllcnt llclllll'tin: In deten11i11ing 'Scg111cnt Results', the funds transfer price mecllanism adopted by the Bank has been used onal Operations througll GIFT City are included in Corporate/Wholesale Banking segment. 'I,.,'„ , , y „ I,p+dI , ccI.1,SI tied. \\ llcrcver necessary to make them comparable with current period6) ;.,I.+l)\t \G:J Irt for the quarter ended September 30, 2026 B–- Half \’ear Ended (( ( 2 t all@HRllMB8nR®M8$ 2,885.67 IO,088.00 33679.29 1 SS o: 26.85 16,868.71 6,932 3(1 9.930 . 3 S 1 .266 +o 764_94 775.88 68_54 26 84 2,9112. oo TiT= 2,214.IS 88,497,46 2,00,742.66 1 ,90,035.22 912,52 3.081.11 54.155.42 3,28,659.98 26,728. 16 294 95 n6 I 34.342.04 ( 1 ,27,917.32 ) 1 ,63,307 07 617.57 2,319.37 AmBI 2 lIR IO 9,6+0.52 3,470.27 113,92 9.07 15,456.88 6,823.60 @ 308.27 1.106.15 1 _375.74 26.6+ 9.07 2,825,SS m9 EallzHI141 82,767.25 1 ,94,905.16 1 ,63.992' 4S 898.43 2,854.48 42,337.61 3 .( HMI99 27,497.2 1 194.75 M3 .56 40,429.65 1 i:m5.27 703.67 2,854.48 MI 2 _060 . 08 S_548.03 4_566.70 172.05 3.14 1 5.3lMl m8 EE2M3 796.62 987.09 1 92) Ol 7r> 54 3 13 3,785.40 m dil 67.428.97 1 ,75,63 1 .29 1 .06.372,75 869,48 5,751.77 EIRIBm 37,437.61 ]_7S.3rl3.85 3 1 ,759,47 203.4 1 EXm!!I 29.99 1 .36 ( 1 ,02.732.50 ) 1 ,34,613.28 666.08 5,751 ,77 RnIBI 5,108.78 19,7:8.52 7, 149 SO 302 84 35.93 32,325.63 13,755.97 H09 . o o 1.574,71 1 ,871.10 2.151.62 95 18 35.92 5,-3S.Sj mWm 67,428.97 1_75.rtl 1 ]9 1 _66_372.75 869.48 5,751.77 < 88,497.46 2 ,00.742.66 1 .90,035. 33 912 52 2,681.11 37,437.61 2,78,363.85 3 1 ,759,47 203 ,4 1 54.1 55.42 3.38,659.98 26,728. 16 294.95 361 73 mIl+ZI mmM 29.99 1 .36 1 1 ,34.613.28 666.08 5_751 77 EIIHIllI 34,342 0+ ( 1 ,27,917.32) 1 ,63,307.07 617.57 2,3 1 9.37 mIl (? in (’n)rcs) \'cil r F:IItlctl 31 .03.2026 M 8 :(1'; :'; 35.030 (,o 15.701.12 576.66 329.30 60,346.97 B:nTH 35.03 1 . 1 ') 4_244.57 16,963.6 1 8.5:9.42 254.21 3.15 29,99 J.95 l 17,762.07 3,358.41 3 ) ( ) + $ 3 4,488.36 216 )o 329,02 11 ,656.52 > 1 ,783.35 1 _555.66 2 _9 1 4.02 81.14 3.13 6337.30 1 .088.5+ 5,2 is.Td [E [ F 9,209.97 77,415.13 1 ,90, 1 84.54 1.94 , 104.05 808. 1 2 4, 163.74 43_059.36 3,13,497.85 41 ,235.43 1 +o ')o MEDEa 34,355.76 - 1.23,313.31 1 ,52,868.63 667. 1 f) 4, 163.74 M . t & t FRN, 004283
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CIN: L65190MH2004G01148838 IDBI BANK LTD. CONSOLIDATED CASH FLOW STATEMENT FOR THE HALF YEAR ENDED SEPTEMBER 30, 2026 (? in Crore) Half Year ended I Year ended Particulars 30.09.2026 L Ma Mo mo ®Lr3gEagIILIs] t (2) Adjustments - (Profit) / Loss on sale of Fixed Assets - Depreciation and revaluation loss - Amorlisation of premium on IIcld to Maturitv investments - Provisions/ Write off of Loans/ Investments - Provisions for Standard and restructured msets - Other Provisions - (Profit) / Loss on revaluation of Investments - Interest on borrowings (other than operational activities) - lntercsl IIlpens;c hooked on account of recycle c+f CFl{R In Sale of Strategic Investment (3) Adjustments for (increase)/ decrease in operating assets: - investments - Advances - Other Assets (4) Adjustments for increase/ (decrease) in operating liabilities: - Borrowings - Other liabilities and provisions Cash Flow from Operating Activities before taxes :mmTaid (Net of Refund) Net Cash flo\v from / (used in) Operating activities B. Cashe - Purchase of fixed assets - Proceeds from Sale of Strategic Investment (Net of issue expenses) ma of ti xed assets Net Cash flow from / (used in) Investing activities activities1 - Interest paid on borrowings - Dividend paid - Redemption of Bonds )aid to minority- Dividend ljme in minority interest Net Cash flow from / (used in) Financing activities D. Effect of exchange fluctuation to translation reserve t mmmmtmiamclf the year Cash & Cash Equivalents as at the end of the period I to\v Statement: 1. Cash and Cash equivalents included in the cash no\v statement comprise the following Balance Sheet items: =£Tnnccs with Reserve Bank of India mv at call and short notice Total mactivities is rcporled by using indirect method 2,4749 299.76 75.54 (494. 19) 487. 1 6 m6 ( 1 09.96) 1 , 09 1 1 .87 5,383.46 6,359.43 ( 18, 145.62) 5.08 4.540.79 8.448.1 o m 5,061.01 n( 5,060.47 U) 1.55 ( 199.92) m3 m ( 5.oo) (16.31 ) 15.23 (43.07) 0.32 4,8 1 7.80 56.914.71 61,732.51 43,344.00 8.388.5 61.732.51 30.09.2025 J 0.39 313.75 66.91 113.58 (883.93) (58.09) (25,5<)) 1 34.40 HI 4,701.36 m6 alBa:2-ii W 4,368.9 1 aGES ( 137.95) ( 11,958.40) ( 1 2.44) ( 1 1 ,970.84) 48.43 ) 722.24 0.84 1 ,574.65 (30.49) ( m 0.00 m2 2.1 o ( 1 2.694.49) 44.476,58 31,782.10 20. 1 98.38 I1,583.72 31.782.10 31.03.2026 A 1 1.656,51 (6. 1 6) 616,92 137.51 101.95 ( 1.080.06) (98.24) ( 165.49) 208.71 ( 1.316.83) 10,054.82 (8.324. 1 7) (35.365.40) M 11,373.75 36.882.70 2 845.28 16,417.58 344,16 16,761.74 (327.43 ) 1.730.19 19.39 1 ,422. IS (318,93) (2,256.67) (3,202.00) ( 13.66) 26.65 (5,764.61 ) 18.85 12.438.13 44.476.58 56,914.71 33,230,47 23,684.24 56,9 1 4.7 1 };qe r \\
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Chokshi & Chokshi LLP Chartered Accountants 15/17, Raghavji B Bldg, Ground Floor, Raghavji Road, Gowalia Tank, Off Kemps Corner, Mumbai 400036 LLP Registration No. AAC-8909 Suri & Co Chartered Accountants Unit No. 2AI Gundecha Onclave Kherani Road, Sakinaka, Andheri (East), Mumbai 400072 INDEPENDENT AUDITORS’ LIMITED REVIEW REPORT ON UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2026 OF IDBI BANK LIMITED PURSUANT TO THE REGULATIONS 33 AND 52 READ WITH REGULATION 63(2) OF THE SEBI (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2015 AS AMENDED To, The Board of Directors IDBI Bank Limited Mumbai. 1 We have reviewed the accompanying Statement of Unaudited Consolidated Financial Results of IDBI Bank Limited (hereinafter referred to as “the Bank”/“the Parent”) and its subsidiaries (the Parent and its subsidiaries together referred to as “the Group”) and its share of the net profit after tax of its associates for the quarter and half year ended September 30, 2026 (“the Statement”), being submitted by the Parent pursuant to the requirements of Regulations 33 and 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“the Listing Regulations”), except for the disclosures relating to consolidated Pillar 3 disclosure as at September 30, 2026 , including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 14 to the Statement, which have not been reviewed by us. We have initialed the Statement for identification purposes only 2 This Statement which is the responsibility of the Bank’s Management and approved by the Bank’s Board of Directors, has been prepared in accordance with recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" (“AS 25”) as prescribed under section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (“the RBI”) in respect of income recognition, asset classification, provisioning and other related matters ("the RBI Guidelines") and other accounting principles generally accepted in India and in compliance with the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review. 3 We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 24 10 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review consists of inquiries of Bank’s personnel, primarily responsible for financial and accounting matters, and analytical procedures applied to financial data. A review is substantially less in scope and thus provides less assurance than an audit conducted in accordance with the Standards on Auditing specified under Section 143( 10) of the Companies Act, 2013 consequently, does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion. We also performed procedures in accordance with the circular issued by the SEBI under Regulation 33 (8) of the Listing Regulations to the extent applicable. Page 1 of 3 n) ty{ FRN: 0042835 A 72 I
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Chokshi & Chokshi LLP Chartered Accountants Suri & Co. Chartered Accountants 4. The Statement includes the results of the following entities: Parent • IDBI Bank Limited Subsidiaries • IDBI Capital Markets & Securities Limited • IDBI Intech Limited • IDBI MF Trustee Company Limited • IDBI Asset Management Limited • IDBI Trusteeship Services Limited Associates (See Para 8 below) • Biotech Consortium India Limited • North Eastern Development Finance Corporation Limited Conclusion 5. Based on our review conducted and procedure performed as stated in paragraph 3 above, and based on the consideration of the unaudited financial results referred to in paragraph 6, 7 and 8 below. nothing has come to our attention that causes us to believe that the accompanying Statement has not been prepared in accordance with the recognition and measurement principles laid down in AS 25 prescribed under Section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, RBI guidelines and other accounting principles generally accepted in India and has not disclosed the information required to be disclosed in terms of the Listing Regulations, including the manner in which it is to be disclosed or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters, except for the disclosures relating to Pillar 3, as at September 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel 111 Capital Regulations as have been disclosed on the Bank’s website and in respect of which a link has been provided in the Note 14 to the Statement, which have not been reviewed by us. Other Matters 6. We did not review the interim financial results of three subsidiaries, included in the Statement, whose reviewed interim financial results reflect total assets of Rs. 1,006.67 crore as at September 30, 2026. total revenues of Rs. 106.23 crore and Rs. 192.02 crore and total net profit after tax of Rs.19.57 crore and Rs.32.90 crore for the quarter and half year ended September 30, 2026 respectively and net cash outflows of Rs. 23.51 crore for the half year ended September 30, 2026 as considered in the unaudited consolidated financial results. These financial results have been reviewed by the other auditors, whose reports have been furnished to us by the Management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of the aforesaid three subsidiaries, is based solely on the reports of the other auditors and the procedures performed by us as stated in paragraph 3 above. 7 The accompanying unaudited consolidated financial results include the financial results of two subsidiaries, included in the Statement, which have been neither reviewed by us nor by other auditors. whose financial results reflect total assets of Rs.480.31 crore as at September 30, 2026, total revenues of Rs.38.76 crore and Rs.58.63 crore and total net profit after tax of Rs. 26.03 crore Page 2 of 3 n}}} ++ FRN: 00428 MUMBAI
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Chokshi & Chokshi LLP Chartered Accountants Suri & Co. Chartered Accountants and Rs.33.59 crore for the quarter and half year ended September 30, 2026 respectively and net cash inflows of Rs. 98.75 crore for the half year ended September 30, 2026 as considered in the unaudited consolidated financial results. These financial results have been presented solely based on information compiled by the Bank’s management and approved by the Board of Directors of the aforesaid two subsidiaries. According to the information and explanations given to us by the Bank’s management, these financial results are not material to the Group. 8 We draw attention to Note 16 of the Statement which states that the Statement does not include the results in respect of the two associates for which financial results / accounts for the quarter and half year ended September 30, 2026 have not been received by the Bank. According to the information and explanations given to us by the Management, the interim financial results of the aforesaid two associates are not material to the Group. In respect of the associates - Biotech Consortium India Limited (27.93%) and North Eastern Development Finance Corporation Limited (25%), accounts have been consolidated for and up to the year ended March 31, 2026. These financial results have been audited by other auditors, whose reports have been fbrnished to us by the Management and our conclusion on the Statement. in so far as it relates to the amounts and disclosures included in respect of this associate, is based solely on the report of the other auditors and the procedures performed by us as stated in paragraph 3 above. Our conclusion is not modified in respect of these matters For Chokshi & Chokshi LLP Chartered Accountants Firm Regn. No. 101872W / W1000£ For Suri & Co. Chartered Accountants Firm Regn. No. 004283S ,;;e> +Y? I (,E„#„" IOO041 Pr/ P Prasanna Partner Membership No. 228180 UDIN : 26228180NKSLUS4083 Place : Mumbai Date : 17th October 2026 Partner Membership No. 042364 UDIN : 26042364LZZLYRl136 Place : Mumbai Date : 17th October 2026 Page 3 of 3
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IDBI BANK CIN: L65190MH2004G01148838 Statement of Assets & Liabilities As at 30.09.2026 As at 31.03.2026 Standalone Particulars (Unaudited) (Audited) CAPITAI, AND LIABILITIES Capital Reserves and Surplus Minority Interest Deposits Borrowings Other Liabilities and ProvIsions TOTAL, ASSETS Cash and balances with Reserve Bank of India 10,752.40 60,798.58 1 0,752.40 56,885.18 3,55,683.53 32,5 1 5.98 22,206.39 4,81 ,956.88 3,47, 162.68 28,054.54 22,994.33 4,65,849. 13 43,343.9 1 33,230.37 23,607.39Balances with banks and money at call and short notice 1 8,309. 1 1 Investments Advances Fixed Assets Other Assets TOTAL 1 ,22,290.60 2,7 1 ,532.67 9,659.34 16,82 1 .25 4,8 1,956.88 1 ,28,01 1 .25 2t 53,626.07 9,760. 14 17,613.91 4,65,849. 13 .-', I: ':\ I . I ; L;t (? in Crore) As at 1 s 30.09.2026 1 31.03.2026 1 30.09.2025 Consolidated (Unaudited) I (Audited) 1 (U„audited) As at 30.09.2025 ( Unaudited ) 10,752 40 56,526.52 3,03,408,42 24,24 1 31 20,263 58 4, 1 5, 1 92.23 20, 198 29 I1 ,498 74 1 ,22,765 58 2,30,2 1 9.92 12,015 56 18,49+ 14 4, 15, 1 92.23 10,752.40 6 1 ,739.68 1 76.65 3,55,224.30 32,639.54 22,336.40 4,82,868.97 10,752.40 57,81 1 76 1 77.82 3,46,776. 14 28, 103.75 23,053.71 4,66,675.58 1 0,752.40 57,370.49 167.05 3,03, 109.69 24,300.89 20,353.74 4, 16,054.26 43,344.00 33,230.47 23,684 24 20, 1 98.38 1 8,388 51 11,583 72 1 ,23,245.53 2,30,2 1 7.92 1 2,033.47 18.775.24 4, 16,054.26 1 ,22,777.34 2,7 1 ,530. 1 7 9,674 . 70 1 7, 1 54 25 4,82,868.97 1 ,28,440. 14 2,53,623.57 9,775.47 1 7,92 1 .69 4,66,675.58 .iia!}} Q,=Ii;'
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CIN: L65190MH2004G01148838 Notes forming part of the Standalone and Consolidated Financial Results for the Quarter and Half Year ended September 30, 2026 1. 2. The above Standalone and Consolidated Financial Results (“the Financial Results”) have been reviewed and recommended by the Audit Committee of the Board and approved by the Board of Directors at their respective meetings held on October 17, 2026. These Financial Results for the Quarter and Half year ended September 30, 2026 have been reviewed by the Joint Statutory Auditors – Chokshi & Chokshi LLP, Chartered Accountants and Suri & Co, Chartered A ccorrnfarrts , who have issued unmodified review reports thereon. These Financial Results have been prepared in accordance with the recognition and measurement principles laid down in the Accounting Standards prescribed under section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (“RBI”) from time to time (“RBI Guidelines”) and other accounting principles generally accepted in India, and is in compliance with the presentation and disclosure requirements of Regulation 33 and Regulation 52 read with Regulation 63 (2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, including relevant circulars issued by the SEBI from time to time. The Bank has applied its significant accounting policies in the preparation of these financial results consistent with those followed in the annual financial statements for the year ended March 31, 2026. Any circular/ direction issued by RBI is implemented prospectively when it becomes applicable, unless specifically required under circulars/directions. 3. 4. 5. Details of loans transferred/ acquired during the quarter ended September 30, 2026, as per the RBI Master Direction – ’RReserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025’ dated November 28, 2025 are given below: (a) Details of Stressed Loans transferred during the Quarter ended September 30, 2026. (in ?crores, except for Number of Accounts) c c Reconstruction I permitted I transferees companies transferees (ARCs) 1 802.92 Particulars Number of accounts Aggregate DrinciDal outstanding of loans transferred Weilhta average residual tenor a transfer) Aggregate consideration Additice transferred in earlier years+ !emption from Security Receipts is Rs.: ide sharing is Rs.2.94 Crore 30.05 24.73 ,#4g +
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Bank has reversed provisions of ?27.24 crore to the Profit and Loss account on account of sale of stressed loans. (b) Details of loans not in default acquired during quarter ended September 30, 2026. Particulars Mode of Acqujsition tate principal outstanding of loan uiredA late consideration DaidA Weightmge residual maturity (in years leriod of the originator (in yearsl Reterhofbenmal ec&nomic interest by originator [e of tangjble securityCove: 'lmes a ment (C) (d) The Bank has not acquired any stressed loans and not transferred any loan not in default/ Special Mention Accounts (SMA) during the quarter ended September 30, 2026. The distribution of the Security Receipts (SRs) held by Bank across the various categories of Recovery Ratings assigned to such SRs by the credit rating agencies as at September 30, 2026 is as follows: Recove Ratin RRl+ RR 1 RR2 RR3 RR4 RR5 Unrated UnratedA Total Band Book Cost (?crores 2,397.97 3.09 1 ,09 1 .62 28.96 3,521.64 ~ Includes Investment made during Q4 of FY2025-26 in SR that are guaranteed by Government of India. The ARC shall obtain initia! rating of SRs from an approved credit rating agency within a period of six months from the date of acquisition of assets by it. Ratings received .from ARCs upto September 30, 2026 have been considered. Bank maintained 100% provision on carrying value of investments of ?3,521.64 crore in SRs as on September 30, 2026. Out of the above, Bank held Government guaranteed SRs amounting to ?2,426.93 crore. The Bank, on a prudent basis, continues to hold provision against such SRs which will be reversed on actual receipt of recoveries or approval of claims, if any, by the Government of India. The unrealised gain on account of fair valuation of SRs guaranteed by Government of India is not recognised in Profit and Loss account 4HB +T ! • FR.N: 004283 MUMBAI 400 r) '.\
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CIN: L65190MH2004G01148838 6. Ns per Master Direction 'Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025’ dated November 283 20251 disclosure related to project finance for the Quarter ended September 30, 2026 is given below: Sr.No. Item Description No. of Accounts Total Outstanding in ? crores m ;1 9 3 4 5 Project Under Implementation accounts at the beginning of uarter# Projects under implementation accounts sanctioned during the quarter. Projects under implementation accounts where DCCO has been achieved during the quarter. Projects under implementation accounts at the end of the quarter, ( 1 +2-3 ) Out of '4’ – accounts in respect of which resolution process involving extension in original/extended DCCO, as the case may be has been invoked. Out of '5’ – accounts in respect of which Resolution plan has been implemented. Out of '5’ – accounts in respect of which Resolution plan is under implementation Out of '5’ – accounts in respect of which Resolution plan has failed. Out of '5’ - accounts in respect of which resolution process involving extension in original/extended DCCO, as the case may be has been invoked due to change in scope and size of the roIect. Out of '5’ - account in respect of which cost overrun associated with extension in original/extended DCCO, as the case may be, wasfunded Out of '7' - accounts where SBCF was sanctioned during financial closure and renewed continuousjy Out of '7’ - accounts where SBCF was not pre-sanctioned or renewed continuously Out of '4- - accounts in respect of which resolution process not involving extension in original/extended DCCO, as the case may be has been invoked. Out of '8- - accounts in respect of which Resolution plan has been implemented. Out of '8’ - accounts in respect of which Resolution plan is under implementation. Out of '8- - accounts in respect of which Resolution plan has failed. 20 10 I 29 3 180.81 250.54 1 70 1 ,96 42.83 5.1 3 42.83 5.3 6 7 7.1 7.2 8 8.1 8.2 8.3 ++ Note: Pursuant to the communication received from Indian Bank’s Association (IBA). the Bank has amended its Credit Polio'. Accordingjy, for the purpose of this disclosure, project $nance cases having total project cost exceeding ?10 Crores or the Bank’s loan exposure to the project exceeding ?7.50 Crores have been considered as Project Finance exposure. Consequently, 49 accounts having aggregate outstanding of- 182.82 Crores as at the beginning o.f not covered in the above criteria, Accordingjy„the in earlier periods er have been excluded from the disclosure 'osure is not comparable with the disclt K& C + + FRN: a 400 072
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+It includes movement of Rs.224.10 during V-2027 in projects under implementation accounts existing at the beginning of the quarter. 7. 8. 9. 10. The necessary details of Co-Lending Arrangements (CLAs) on an aggregate basis as per Reserve Bank of India (Commercial Banks-Transfer and Distribution of Credit Risk) Directions, 2025 is as follows: 11. Other Income includes fees earned from providing services to customers, commission income from non-fund based banking activities, earnings from foreign exchange and derivative transactions, mark to market provisions on investments, profit/ loss (including revaluation) from sale of investments, dividend received , recoveries from advances written off, etc 12. As at September 30, 2026, the Bank continues to hold regulatory provision aggregating to ?152.38 crores in terms of RBI’s circular on Resolution Framework 1.0 and Resolution ework 2.0. Based on manag€ lent, additional provision of ?973.20 croresrR for restructured Retail and 'wers r& 5 + In accordance with Reserve Bank of India circular RBI/ 2026-27/83 DOR.MRG.REC.No.71/00-00-001/2026-27 dated May 18, 2026 the Second Amendment Direction, 2026 on the Classification, Valuation and Operation of Investment Portfolio, the Bank has discontinued maintenance of Investment Fluctuation Reserve (IFR), consequently, the balance of Rs.1,277.83 crore in IFR has been transferred to General Reserve (Revenue and Other Reserve) during half year ended September 30, 2026. Provision Coverage Ratio (including Technical Write-Offs) is 99.24% as on September 30, 2026 (Previous Quarter Ql FY27 - 99.31 %). During the Quarter ended September 30, 2025, the Bank had offered 2,22,20,000 Equity shares consisting 11.11 % shareholding in National Securities Depository Ltd. (NSDL), by way of Offer for Sale, in its IPO, at the issue price of ?799.87 per share & booked a net gain of ?1,698.91 crores (? 1,706.91 crores for FY 26) (net of expenses, before tax). As at September 30, 2026Sr. No. I Particulars L -Number of CLA partners -Number of loan accounts -Amount outstanding(? in Crore) Weighted Average Rate of Interest (ROI) e 9 19053 607.03 9.04% 0.28 Secured/Unsecured MSME Loan IHousing Loan IAgri Gold Loan Commercial Vehicle Loan 4 IBroad Sectors Performdnce of Loans under CLA I- Standard Loans (? in Crore) - Non performing Loans (? in Crore) 5 6 592.09 14.94 Nilt
Page 18
CIN: L65190MH2004G01148838 13. Details of resolution plan implemented under the Resolution Framework for C'OVID-19- related Stress as per RBI circular dated August 6, 2020 (Resolution Framework 1.0) and May 05, 2021 (Resolution Framework 2.0) as at September 30, 2026 are given below: 1- This excludes the other facilities to the borrower which have not been restructured :- Represents fund based outstanding balances of standard accounts i- Represents credits to the toan account of the borrower ota iT{/J A Exposure accountsto classified Standardas toconsequent implementation of resolution plan - Position as :he previousat the end of half year ended March 31 2026 1,2 1 ,254.43 94,42 B Of (A) aggregate ofamount Debt that slipped in to NPA during the half year r (I Of (A) amount written off during the half year D Of (A) amount paid by the borrower during the half year 3 Type of Borrower Personal Loans Corporate :rsons which, MSMEs Others Total 31.36 180.86 16.75 22.09 0.59 198.20 14. As per extant RBI guidelines. the Banks are required to make Pillar 3 disclosures including Leverage ratio, Liquidity Coverage ratio and Net Stable Funding ratio under Basel Ill Framework. Accordingly such disclosures are made available on the website of the Bank which can be accessed at the following link: https://www.idbi.bank.in/regulatory- disclosures-section.aspx These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. 15. The consolidated financial results are prepared in accordance with Accounting Standard AS-21 'Consolidated Financial Statements' and AS-23 ' Accounting for Investments in Associates in Consolidated Financial Statements’. 16. The consolidated financial results comprise the financial results of IDBI Bank Limited (“Parent Company”/ ''the Bank”) and all its subsidiaries/ associates as under: % of HoldingA. Subsidiaries IDBI Capital Markets & Securities Limited IDBI Intech Limited IDBI MF Trustee Company Limited @ IDBI Asset Management Limited# IDBI Trusteeship Services Limited @ B. Associates North Eastern Development Finance Corporation Limited # Biotech Consortium India Limited * 100.00% 100.00% 100,00% 100.00% 54.70% 25.00% 27.93% Itnpact offInancial results of associates on the consolidated fmancial results is not ntaterial. @ Management certifIed $nancial results have been considered for consolidated fInancial results. + The $nancial results of The associates for the quarter ended September 30, 2026, were not available the date of fulali=alion of the consol ]lM&i£mciai results. Accordingly. the latest a\'aijable results have ':pose of consolidation.been con. M ed fInancial + (?crore) E Exposure accountsto classified Standardas toconsequent implementation of resolution plan Position as at the end of this half year ended September 30 2026 1,2 1.111.33 78.23 127.43 3.67 1 , 193.23 Consolidated Upto September 30, 2026 September 30, 2026 September 30, 2026 September 30, 2026 September 30, 2026 March 3 1, 2026 March 3 1, 2026 Bl & tyI FRN: OWZ MUMBAI
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+ Note: % of Holding by IDBI Bank Limited is 66.67% and % Holding by IDBI Capital Markets & Securities Limited is 33.33 %. 17. IDBI Foundation, a Section 8 company under the Companies Act, 2013, has been incorporated on May 19, 2026 as a wholly owned subsidiary of the Bank to undertake CSR initiatives. Accordingly, the Bank has subscribed 100% of the total paid-up Equity Share capital (10,000 equity shares of Rs.10 each) on July 08, 2026. The Foundation operates with restrictions to transfer funds to the Bank, Hence, in accordance with the requirement of Accounting Standard 21 on 'Consolidated Financial Statements’ the company is excluded from consolidation. 18. Previous period's figures have been regrouped/ reclassified, wherever necessary to make them comparable with the current period. (Sumit Phakka) Deputy Managing or a (JayaMMr S Pillai) Deputy Managing Director (K-akesh Sharma) Managing Director & CEO Mumbai October 17, 2026