Investor Presentaiton

Retail Banking FEDERAL BANK YOUR PERFECT BANKING PARTNER Retail Loan Book (Excl Agri & BuB) Housing LAP Auto Personal Others 23% 10659 9106 7801 8013 7694 60% 1492 1710 1294 1551 1645 3346 3231 3115 3134 3195 6884 7125 7009 7206 7489 17% 17564 18229 18201 18497 19043 ■ Retail ■ Agri ■BuB 11652 11134 10529 10512 10354 15661 14915 13051 13645 12646 36551 87878 87908 39649 42247 Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 RETAIL BANKING Use of Digital channels in Auto Loan acquisition given greater focus and this is seen improving the TAT thus helping better customer profiles and improved business. BuB introduced simplified renewal process of ODCC accounts which can be completed in less than 30 minutes. Gold Loans registered record YoY growth rate of 67% and QoQ growth rate of 15.76 %, which is one of the best in the industry and crossed Rs. 14,000 Cr milestone Disbursals through Fintech enabled Gold and Micro lending platforms crossed Rs.2000 Cr. in Cr 25

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