The Federal Bank Ltd.

Financial

	Federal Bank	IDFC First Bank	AU Small Fin. Bank
Operational Metrics
Banking Sector
Cost To Income Ratio	53.12 %	71.8 %	55.0 %
Gross NPA	1.95 %	1.87 %	n/a
Net NPA	0.49 %	0.53 %	n/a
Fresh Slippages - Quarterly	486.0 Crs	n/a	894.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.16 %	15.48 %	20.1 %
Tier 2 Capital	1.38 %	2.31 %	1.3 %
Tier I Capital	13.78 %	13.17 %	18.8 %
Credit Deposit Ratio	86.48 %	94.45 %	86.0 %
Net Interest Margin	3.11 %	6.1 %	5.94 %
Yield On Advances	9.39 %	n/a	14.4 %
CASA Ratio	30.16 %	46.9 %	29.2 %
13 Month Persistency Ratio	76.42 %	n/a	n/a
CASA vs Liabilities	23.64 %	34.38 %	22.99 %
Life Insurance Sector
Commission Ratio - Life Insurance	9.29 %	n/a	n/a
AUM - Life Insurance	12101.0 Crs	n/a	n/a
New Business Performance - Life Insurance	152.39 Crs	n/a	n/a
Management Expense Ratio - Life Insurance	35.17 %	n/a	n/a
61 Month Persistency Ratio	40.94 %	n/a	n/a
NBFC
Cost of Borrowing	6.01 %	6.51 %	7.07 %
Financials
5 yr Average ROE	12.58 %	1.48 %	23.49 %
5yr average Equity Multiplier	11.84	9.25	7.85
5yr Average Asset Turnover Ratio	0.08	0.11	0.13
5yr Avg Net Profit Margin	12.46 %	0.95 %	22.51 %
5yr Avg Net Profit Margin	12.46 %	0.95 %	22.51 %
5yr CAGR Net Profit	19.53 %	n/a	15.03 %
5yr CAGR Sales	11.6 %	15.08 %	51.77 %
5 yr CAGR PPOP	11.2 %	25.93 %	n/a
Price to Book	1.51	1.28	2.99
P/E	12.14	31.92	24.33
Shareholdings
Promoter Holding	0.0	0.0	22.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-36.49 %	-5.36 %
Change in Mutual Fund Holding (3 Yrs)	2.24 %	3.99 %	8.95 %

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 Wheels 11.0 Credit Cards 3.0 Consumer Finance 3.0 Infrastructure 1.0 Rural Finance 9.0 Priority Sector 0 Non Priority Sector 0 NBFC 0 Loan Against Property 28.0 Trading 0 Personal Loan 0 Digital, Gold Loan and Others 0.5 Emerging Large Corporates 7.0 Financial Services 8.0 Commercial Real Estate 0 Large Industries 1.0 Commercial Finance 3.0 Small & Medium Enterprises (SME) loans 5.0 Agricultural 0 Others 20.5	Loan Break-Up Wheels 0 Credit Cards 0 Consumer Loans 0 Infrastructure 0 Rural Micro Finance 0 Priority Sector 62.09 Non Priority Sector 37.91 NBFC 0 Mortgage Loans 0 Trading 0 Personal Loan 0 Digital, Gold Loan and Others 0 Emerging Large Corporates 0 Financial Institutional Group 0 Commercial Real Estate 0 Large Corporates 0 Commercial Finance 0 MSME Loans 0 Agricultural 0
Segment Break-Up	Segment Break-Up Consumer Finance 59.36 Corporate Banking 26.1 Treasury Operations 13.54 Corporate/Wholesale Banking 0 Wholesale banking 0 Retail banking 0 Others 1.0	Segment Break-Up Wholesale banking 0 Corporate Banking 11.48 Consumer Finance 0 Retail banking 0 Corporate Banking 0 Treasury Operations 0 Others 88.52	Segment Break-Up Corporate Banking 9.28 Corporate/Wholesale Banking 0 Consumer Finance 0 Consumer Finance 72.89 Corporate Banking 0 Treasury Operations 0 Others 17.83
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 Karnataka 0 Rest of the World 0 Rajasthan 0 Kerala 0 Delhi 0 West Bengal 0 Punjab 0 Tamil Nadu 0 India 100.0 Uttar Pradesh 0 Andhra Pradesh 0 Gujarat 0 Maharashtra 0	Location Wise Break-Up Karnataka 2.0 Rest of the World 0 Rajasthan 26.0 Kerala 0 Delhi 5.0 West Bengal 0 Punjab 5.0 Tamil Nadu 2.0 India 0 Uttar Pradesh 3.0 Andhra Pradesh 3.0 Gujarat 11.0 Maharashtra 16.0 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 Reserve Bank of India 13.74 Borrowings outside India 0.63 Banks 0 Others 85.63	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 0 Banking 5.71 Others 94.29
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 42.17 Treasury 21.68 Wholesale Banking 0 Others 36.15	Asset Break-Up - Segment Wise Treasury 30.08 Wholesale Banking 12.35 Retail Banking 56.7 Others 0.87	Asset Break-Up - Segment Wise Treasury 27.79 Wholesale Banking 0 Retail Banking 0 Others 72.21
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 67.39 Priority Sector 32.61	-
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 0 Others 0 Industrial & Commercial 7.24 Infrastructure 15.16 Personal Loan 0 Auto loans 7.7 Commercial Real Estate 0 NBFC 0 Services 24.3 Infrastructure- Energy 0 Infrastructure 0 Housing 4.9 Agricultural 0 Personal Loan 31.68 Trading 0 Others 9.02	NPA Break-Up Priority Sector 0.13 Others 0 Industry 0 Infrastructure- Transport 0 Personal Loan 0 Vehicle Loans 0 Commercial Real Estate 0 NBFC 0 Services 0.96 Infrastructure- Energy 0 Infrastructure 0 Housing 0 Agricultural 0 Personal Loans - Others 0 Trading 0 Others 98.91

The Federal Bank Ltd.

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