The Federal Bank Ltd.

Financial

	Federal Bank	IDFC First Bank	AU Small Fin. Bank
Operational Metrics
Banking Sector
Cost To Income Ratio	56.69 %	68.7 %	54.0 %
Gross NPA	1.84 %	1.97 %	n/a
Net NPA	0.44 %	0.55 %	n/a
Fresh Slippages - Quarterly	483.0 Crs	n/a	1027.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.4 %	15.01 %	19.4 %
Tier 2 Capital	1.36 %	2.21 %	1.9 %
Tier I Capital	15.04 %	12.8 %	17.5 %
Credit Deposit Ratio	82.79 %	93.4 %	86.0 %
Net Interest Margin	3.12 %	5.71 %	5.4 %
Yield On Advances	9.31 %	n/a	14.1 %
CASA Ratio	30.23 %	48.0 %	29.0 %
13 Month Persistency Ratio	81.68 %	n/a	n/a
CASA vs Liabilities	24.57 %	35.19 %	23.03 %
Life Insurance Sector
Commission Ratio - Life Insurance	8.18 %	n/a	n/a
AUM - Life Insurance	12101.0 Crs	n/a	n/a
New Business Performance - Life Insurance	120.91 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	27.6 %	n/a	n/a
61 Month Persistency Ratio	48.09 %	n/a	n/a
NBFC
Cost of Borrowing	6.06 %	6.37 %	7.08 %
Financials
5 yr Average ROE	12.58 %	5.71 %	21.88 %
5yr average Equity Multiplier	11.84	9.12	8.05
5yr Average Asset Turnover Ratio	0.08	0.12	0.13
5yr Avg Net Profit Margin	12.46 %	4.8 %	21.11 %
5yr Avg Net Profit Margin	12.46 %	4.8 %	21.11 %
5yr CAGR Net Profit	19.53 %	25.27 %	22.55 %
5yr CAGR Sales	11.6 %	19.05 %	64.84 %
5 yr CAGR PPOP	11.2 %	23.76 %	n/a
Price to Book	1.39	1.42	3.22
P/E	11.89	42.33	25.3
Shareholdings
Promoter Holding	0.0	0.0	22.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-36.48 %	-5.36 %
Change in Mutual Fund Holding (3 Yrs)	2.75 %	5.76 %	9.56 %

Business

	Federal Bank	IDFC First Bank	AU Small Fin. Bank
Loan Break-Up	Loan Break-Up Priority Sector 12.7 Agricultural 12.58 NBFC 11.29 Infrastructure 6.99 Trading 5.66 Commercial Real Estate 3.16 Personal Loan 2.52 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0 Non Priority Sector 0 Priority Sector 0 Others 45.1	Loan Break-Up Infrastructure 1.0 Loan Against Property 29.0 NBFC 0 Non Priority Sector 0 Commercial Real Estate 0 Commercial Finance 3.0 Large Industries 1.0 Rural Finance 8.0 Trading 0 Personal Loan 0 Agricultural 0 Consumer Finance 3.0 Digital, Gold Loan and Others 0.3 Emerging Large Corporates 6.0 Wheels 10.41 Small & Medium Enterprises (SME) loans 6.0 Credit Cards 3.0 Priority Sector 0 Financial Services 9.0 Others 20.29	Loan Break-Up Infrastructure 0 Mortgage Loans 0 NBFC 0 Non Priority Sector 39.39 Commercial Real Estate 0 Commercial Finance 0 Large Corporates 0 Rural Micro Finance 0 Trading 0 Personal Loan 0 Agricultural 0 Consumer Loans 0 Digital, Gold Loan and Others 0 Emerging Large Corporates 0 Wheels 0 MSME Loans 0 Credit Cards 0 Priority Sector 60.61 Financial Institutional Group 0
Segment Break-Up	Segment Break-Up Consumer Finance 59.0 Corporate Banking 25.86 Treasury Operations 13.81 Corporate/Wholesale Banking 0 Wholesale banking 0 Retail banking 0 Others 1.33	Segment Break-Up Treasury Operations 0 Wholesale banking 0 Corporate Banking 0 Retail banking 0 Corporate Banking 11.48 Consumer Finance 0 Others 88.52	Segment Break-Up Treasury Operations 0 Corporate Banking 9.24 Corporate Banking 0 Consumer Finance 70.38 Corporate/Wholesale Banking 0 Consumer Finance 0 Others 20.38
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West Bengal 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0 Gujarat 0 Kerala 0 Tamil Nadu 0 Karnataka 0 Rajasthan 0 Delhi 0 Maharashtra 0	Location Wise Break-Up Kerala 0 Tamil Nadu 0 Rest of the World 0 India 100.0 West Bengal 0 Rajasthan 0 Delhi 0 Karnataka 0 Gujarat 0 Maharashtra 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0	Location Wise Break-Up Kerala 0 Tamil Nadu 2.0 Rest of the World 0 India 0 West Bengal 0 Rajasthan 26.0 Delhi 5.0 Karnataka 2.0 Gujarat 11.0 Maharashtra 16.0 Uttar Pradesh 3.0 Punjab 5.0 Andhra Pradesh 3.0 Others 27.0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 14.3 Reserve Bank of India 11.33 Reserve Bank of India 0 Banks 0 Others 74.37	Borrowings Break-Up Banks 0 Reserve Bank of India 15.04 Borrowings outside India 1.99 Others 82.97	Borrowings Break-Up Banking 3.43 Reserve Bank of India 0 Borrowings outside India 0 Others 96.57
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 41.62 Treasury 22.07 Wholesale Banking 0 Others 36.31	Asset Break-Up - Segment Wise Treasury 28.96 Retail Banking 57.42 Wholesale Banking 12.85 Others 0.77	Asset Break-Up - Segment Wise Treasury 25.97 Retail Banking 0 Wholesale Banking 0 Others 74.03
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 47.32 Linked Life 27.42 Participating 24.58 Non-Participating Group 0.63 Linked Pension 0.02 Non-Participating Pension 0.01 Non-Participating Group 0.01 0 Non-Participating Group 0 Non-Participating Group Variable 0 Linked Group 0 Others 0.01	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 67.26 Priority Sector 32.74 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 69.4 Priority Sector 30.6	-
NPA Break-Up	NPA Break-Up Others 29.44 Agricultural 17.73 Trading 11.33 Infrastructure 5.88 Personal Loan 5.65 Commercial Real Estate 0.74 NBFC 0.04 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Services 0 Infrastructure- Transport 0 Infrastructure- Energy 0 0 Others 29.19	NPA Break-Up Commercial Real Estate 0 Trading 0 Infrastructure- Transport 0 Personal Loan 0 Housing 4.67 Others 0 Infrastructure- Energy 0 Infrastructure 0 Industrial & Commercial 18.26 Agricultural 0 Personal Loan 29.6 NBFC 0 0 Auto loans 10.48 Services 18.1 Others 18.89	NPA Break-Up Commercial Real Estate 0 Trading 0 Infrastructure- Transport 0 Personal Loan 0 Housing 0 Others 0 Infrastructure- Energy 0 Infrastructure 0 Industry 0 Agricultural 0 Personal Loans - Others 0 NBFC 0 Priority Sector 7.65 Vehicle Loans 0 Services 46.4 Others 45.95

The Federal Bank Ltd.

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