Investor Presentaiton

Comparison : Y-o-Y (3 M) FEDERAL BANK YOUR PERFECT BANKING PARTNER RETAIL WHOLESALE Retail Agri BuB# CoB# CIB Total Advances -7% Advances 16% 13% 8% Deposits Performance Ratios 24% 6% 3655142247 12646 -> 15661 10354 11652 11998 12932 49313 -> 45689 120861128180 CASA CASA Ratio NRE Deposits Retail Deposits 23% 302 bps 45484-55740 31.46 34.48 Net Interest Income Core Fee Income 24% 15% 17% 13% 5358762505 Operating Profit 131530 149278 Net Profit -8% 29% 1155-1437 311 -> 357 744 -> 963 441- Cost Income Ratio Gross NPA % Net NPA % -> 404 Profit Per Employee (in Lac) -258 bps -28 bps -103 bps -8% 52.4 -> 49.82 2.99 -> 2.71 * Credit segments are realigned at the beginning of every FY. 1.63 -> 0.60 13.9312.85 #SME split into BuB & CoB

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