The Federal Bank Ltd.

Financial

	Federal Bank	Bandhan Bank	Yes Bank
Operational Metrics
Banking Sector
Cost To Income Ratio	53.2 %	48.4 %	74.3 %
Gross NPA	2.11 %	3.8 %	1.7 %
Net NPA	0.6 %	1.1 %	0.5 %
Fresh Slippages - Quarterly	417.0 Crs	1020.0 Crs	1205.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.57 %	18.3 %	18.3 %
Tier 2 Capital	1.4 %	1.1 %	4.7 %
Tier I Capital	14.17 %	17.2 %	13.6 %
Credit Deposit Ratio	82.99 %	89.6 %	86.6 %
Net Interest Margin	3.16 %	7.6 %	2.4 %
Yield On Advances	9.43 %	13.8 %	10.2 %
CASA Ratio	29.27 %	37.1 %	30.8 %
13 Month Persistency Ratio	83.39 %	n/a	n/a
CASA vs Liabilities	23.75 %	28.2 %	20.03 %
Life Insurance Sector
Commission Ratio - Life Insurance	6.89 %	n/a	n/a
AUM - Life Insurance	12101.0 Crs	n/a	n/a
New Business Performance - Life Insurance	117.85 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	20.86 %	n/a	n/a
61 Month Persistency Ratio	42.49 %	n/a	n/a
NBFC
Cost of Borrowing	5.9 %	6.9 %	6.5 %
Financials
5 yr Average ROE	11.56 %	13.6 %	-14.4 %
5yr average Equity Multiplier	12.11	6.73	9.59
5yr Average Asset Turnover Ratio	0.08	0.13	0.09
5yr Avg Net Profit Margin	11.6 %	15.5 %	-9.38 %
5yr Avg Net Profit Margin	11.6 %	15.5 %	-9.38 %
5yr CAGR Net Profit	19.4 %	2.38 %	n/a
5yr CAGR Sales	9.32 %	18.98 %	-2.81 %
5 yr CAGR PPOP	12.43 %	13.6 %	-22.03 %
Price to Book	1.61	1.43	1.71
P/E	12.04	12.05	53.8
Shareholdings
Promoter Holding	0.0	39.98 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.01 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.2 %	5.93 %	-0.54 %

Business

	Federal Bank	Bandhan Bank	Yes Bank
Segment Break-Up	Segment Break-Up Consumer Finance 56.63 Corporate Banking 29.05 Treasury Operations 13.44 Corporate/Wholesale Banking 0 Retail banking 0 Others 0.88	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Consumer Finance 81.88 Consumer Finance 0 Corporate Banking 7.35 Others 10.77	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Retail banking 0 Consumer Finance 0 Corporate Banking 29.89 Others 70.11
Loan Break-Up	Loan Break-Up Priority Sector 16.02 Agricultural 14.65 NBFC 10.29 Trading 6.22 Infrastructure 6.0 Commercial Real Estate 2.55 Personal Loan 1.68 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 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Others 42.59	Loan Break-Up Trading 0 Retail 4.5 NBFC-Others 0 Agricultural 0 CB 21.6 Personal Loan 0 EEB Individual 17.2 NBFC-MFI 0 NBFC 0 Small & Medium Enterprises (SME) loans 0 Mortage 24.0 Corporate Banking 0 Infrastructure 0 Medium Enterprise 0 EEB Group 32.7 Investment Banking 0 Small and Micro Enterprise 0 Retail Banking 0 Microloans 0 Priority Sector 0 Commercial Real Estate 0	Loan Break-Up Trading 0 Retail 0 NBFC-Others 0 Agricultural 0 CB 0 Personal Loan 0 EEB Individual 0 NBFC-MFI 0 NBFC 0 Small & Medium Enterprises (SME) loans 0 Mortgages 0 Corporate Banking 23.26 Infrastructure 0 Medium Enterprise 15.1 EEB Group 0 Investment Banking 0 Small and Micro Enterprise 15.51 Consumer Finance 46.14 Microloans 0 Priority Sector 0 Commercial Real Estate 0
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 5.0 Central 17.0 Rest of the World 0 West 20.0 South 13.0 North 8.0 India 0 Eastern 37.0	Location Wise Break-Up North Eastern 0 Central 0 Rest of the World 0 Western 0 Southern 0 Northern 0 India 100.0 Eastern 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 54.7 Treasury 5.66 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 39.64	Operating Profit Break-Up Corporate / Wholesale Banking 0 Retail Banking 0 Treasury Operations 67.55 Corporate/Wholesale Banking 0 Others 32.45	Operating Profit Break-Up Corporate / Wholesale Banking 12.14 Retail Banking 0 Treasury 70.59 Corporate/Wholesale Banking 0 Others 17.27
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 11.73 Reserve Bank of India ( India ) 0 Other Institutions & agencies 0 Reserve Bank of India 0 Other banks - India 0 Tier II Borrowings 0 IPDI 0 Others 88.27	Borrowings Break-Up Borrowings outside India 0 Reserve Bank of India ( India ) 0 Tier II Borrowings 0 Other banks - India 4.05 Other Institutions & Agencies 95.95 IPDI 0 Reserve Bank of India 0	Borrowings Break-Up Borrowings outside India 13.24 Reserve Bank of India ( India ) 0 Tier II Borrowings 17.93 Other banks - India 0 Other Institutions & agencies 0 IPDI 0.36 Reserve Bank of India 8.66 Others 59.81
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 Lending 0 Priority sector Lending 0 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 50.22 Non Priority sector 0 Priority Sector 49.78 Non Priority Sector 0 Priority Sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector Lending 0 Non Priority Sector 62.4 Priority sector Lending 0 Non Priority Sector 0 Priority Sector 0 Priority Sector 37.6
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	-	-
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 Industry sector 0 Services 0 0 Corporate 0 MSME 0 Retail 0 Others 24.96	NPA Break-Up Advances to industries 6.71 Corporate 0 Agricultural 0 Trading 0 Infrastructure 0 Services 48.8 Industrial & Commercial 13.54 Personal Loan 0 Retail 0 NBFCs 0 MSME 0 Commercial Real Estate 0 Others 0 Others 30.95	NPA Break-Up 0 Corporate 32.99 Agricultural 0 Trading 0 Infrastructure 0 Services 0 Industry sector 0 Personal Loan 0 Retail 42.88 NBFCs 0 MSME Sector 10.87 Commercial Real Estate 0 Others 0 Others 13.26

The Federal Bank Ltd.

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