The Federal Bank Ltd.

FEDERALBNK

₹151.85

-0.2% (-0.3)

Market Cap

₹36,976 Cr.

P/E

9.57

The Federal Bank Ltd.

Financial
Business

Financial

	Federal Bank	Yes Bank	Bandhan Bank
Operational Metrics
Banking Sector
Cost To Income Ratio	51.86 %	73.1 %	46.1 %
Gross NPA	2.29 %	2.0 %	7.0 %
Net NPA	0.64 %	0.9 %	2.2 %
Fresh Slippages - Quarterly	479.0 Crs	574.0 Crs	1390.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.02 %	16.3 %	17.9 %
Tier 2 Capital	1.54 %	3.7 %	1.0 %
Tier I Capital	13.48 %	12.6 %	16.9 %
Credit Deposit Ratio	83.14 %	89.9 %	93.83 %
Net Interest Margin	3.19 %	2.4 %	7.2 %
Yield On Advances	9.37 %	10.1 %	13.4 %
CASA Ratio	30.63 %	29.7 %	36.1 %
13 Month Persistency Ratio	74.57 %	n/a	n/a
CASA vs Liabilities	24.77 %	18.88 %	27.01 %
Life Insurance Sector
Commission Ratio - Life Insurance	5.95 %	n/a	n/a
AUM - Life Insurance	12101.0 Crs	n/a	n/a
New Business Performance - Life Insurance	168.93 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	30.79 %	n/a	n/a
61 Month Persistency Ratio	36.21 %	n/a	n/a
NBFC
Cost of Borrowing	5.8 %	6.4 %	6.6 %
Financials
5 yr Average ROE	11.56 %	-13.74 %	13.6 %
5yr average Equity Multiplier	12.11	10.49	6.73
5yr Average Asset Turnover Ratio	0.08	0.09	0.13
5yr Avg Net Profit Margin	11.6 %	-9.17 %	15.5 %
5yr Avg Net Profit Margin	11.6 %	-9.17 %	15.5 %
5yr CAGR Net Profit	19.4 %	-15.51 %	2.38 %
5yr CAGR Sales	9.32 %	-4.8 %	18.98 %
5 yr CAGR PPOP	12.43 %	-17.0 %	13.6 %
Price to Book	1.38	1.65	1.34
P/E	9.59	67.11	9.36
Shareholdings
Promoter Holding	0.0	0.0	39.98 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.01 %
Change in Mutual Fund Holding (3 Yrs)	5.33 %	-0.11 %	6.28 %

Business

	Federal Bank	Yes Bank	Bandhan Bank
Segment Break-Up	Segment Break-Up Consumer Finance 59.21 Corporate Banking 25.56 Treasury Operations 13.98 Corporate/Wholesale Banking 0 Retail banking 0 Others 1.25	Segment Break-Up Corporate Banking 0 Corporate Banking 32.49 Consumer Finance 0 Retail banking 0 Treasury Operations 0 Others 67.51	Segment Break-Up Corporate Banking 0 Corporate Banking 7.39 Consumer Finance 0 Consumer Finance 81.48 Treasury Operations 0 Others 11.13
Loan Break-Up	Loan Break-Up Priority Sector 15.51 Agricultural 12.82 NBFC 11.17 Trading 6.27 Infrastructure 5.72 Personal Loan 2.53 Commercial Real Estate 2.51 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 CB 0 EEB Individual 0 EEB Group 0 Mortgages 0 NBFC-Others 0 NBFC-MFI 0 Retail 0 Small & Medium Enterprises (SME) loans 0 Microloans 0 Others 43.47	Loan Break-Up Microloans 0 Small and Micro Enterprise 15.24 Investment Banking 0 NBFC-Others 0 Personal Loan 0 NBFC 0 Small & Medium Enterprises (SME) loans 0 Trading 0 Medium Enterprise 14.37 Agricultural 0 NBFC-MFI 0 CB 0 Retail 0 Priority Sector 0 Corporate Banking 23.0 Commercial Real Estate 0 Mortgages 0 EEB Individual 0 Consumer Finance 47.39 EEB Group 0 Infrastructure 0	Loan Break-Up Microloans 0 Small and Micro Enterprise 0 Investment Banking 0 NBFC-Others 0 Personal Loan 0 NBFC 0 Small & Medium Enterprises (SME) loans 0 Trading 0 Medium Enterprise 0 Agricultural 0 NBFC-MFI 0 CB 21.6 Retail 3.9 Priority Sector 0 Corporate Banking 0 Commercial Real Estate 0 Mortage 4.5 EEB Individual 0 Retail Banking 0 EEB Group 33.4 Infrastructure 0 Others 36.6
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0	Location Wise Break-Up North Eastern 0 India 100.0 Northern 0 Eastern 0 Western 0 Southern 0 Central 0 Rest of the World 0	Location Wise Break-Up North Eastern 10.0 India 0 North 7.0 Eastern 46.0 West 10.0 South 10.0 Central 17.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 54.71 Treasury 16.38 Corporate / Wholesale Banking 0 Corporate/Wholesale Banking 0 Others 28.91	Operating Profit Break-Up Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 76.76 Others 23.24	Operating Profit Break-Up Treasury Operations 15.67 Retail Banking 76.2 Corporate Banking 4.25 Corporate / Wholesale Banking 0 Others 3.88
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 11.73 Reserve Bank of India ( India ) 0 Reserve Bank of India 0 Tier II Borrowings 0 IPDI 0 Other Institutions & agencies 0 Other banks - India 0 Others 88.27	Borrowings Break-Up Borrowings outside India 13.24 Other Institutions & agencies 0 Reserve Bank of India ( India ) 0 Other banks - India 0 IPDI 0.36 Reserve Bank of India 8.66 Tier II Borrowings 17.93 Others 59.81	Borrowings Break-Up Borrowings outside India 0 Other Institutions & Agencies 95.95 Reserve Bank of India ( India ) 0 Other banks - India 4.05 IPDI 0 Reserve Bank of India 0 Tier II Borrowings 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 67.68 Priority Sector 32.32 Non Priority sector 0 Priority sector 0 Non Priority Sector Lending 0 Priority sector Lending 0	Priority vs Non-Priority Sector Non Priority Sector Lending 0 Non Priority Sector 0 Priority sector Lending 0 Priority Sector 37.6 Non Priority Sector 62.4 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 50.22 Non Priority Sector 0 Priority Sector 49.78 Priority sector 0 Non Priority sector 0 Priority Sector 0
NPA Break-Up	NPA Break-Up Agricultural 27.08 Others 25.69 Trading 12.79 Infrastructure 5.39 Personal Loan 3.34 Commercial Real Estate 0.75 NBFCs 0 Corporate 0 MSME 0 Retail 0 Industry sector 0 Services 0 0 Others 24.96	NPA Break-Up Trading 0 Commercial Real Estate 0 NBFCs 0 Corporate 48.37 Others 0 Industry sector 0 Personal Loan 0 Agricultural 0 0 Services 0 Retail 36.53 MSME Sector 10.28 Infrastructure 0 Others 4.82	NPA Break-Up Trading 0 Commercial Real Estate 0 NBFCs 0 Corporate 0 Others 0 Industrial & Commercial 13.54 Personal Loan 0 Agricultural 0 Advances to industries 6.71 Services 48.8 Retail 0 MSME 0 Infrastructure 0 Others 30.95
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating life 47.71 Linked Life 28.66 Participating 22.58 Non-Participating Group 0.99 Linked Pension 0.03 Non-Participating Group 0.02 Non-Participating Pension 0.01 0 Non-Participating Group 0 Non-Participating Group Variable 0 Linked Group 0	-	-

The Federal Bank Ltd.

The Federal Bank Ltd.

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