Investor Presentaiton

Net Interest Income 1479.42 1379.85 7.22% Net Total Income 1923.78 1829.21 15.17% Balance Sheet Total Business of the Bank reached Rs.306399.38 Cr registering a growth of 9.56% as on 30th September 2021. Total Advances grew from Rs. 125208.57 Cr to Rs. 137313.37 Cr. Total Deposits increased from Rs. 156747.39 Cr as on 30th September 2020 to Rs. 171994.75 Cr as on 30th September 2021. Resident Savings Bank Deposits of the Bank grew from Rs. 23084.29 Cr to Rs. 27716.43 Cr registering a growth of 20.07%. CASA Deposits clocked a growth of 17.82% YoY to reach Rs. 62190.88 Cr. On the Asset side, Agri advances grew from Rs. 14880.35 Cr to Rs. 17890.00 Cr registering a growth of 20.23%. Gold Loans registered a growth of 25.88% reaching Rs. 15976.00 Cr as on 30th September 2021. Retail Advances grew by 11.76% to reach Rs. 44264.37 Cr. Operating Profit & Net Profit The Bank registered an Operating Profit of Rs. 864.79 Cr and Net Profit of Rs. 460.26 Cr. for the quarter ended 30th September 2021. Net Interest Income & Margins The Bank earned Net Interest Income of Rs. 1479.42 Cr for the quarter ended 30th September 2021. Net Interest Margin stood at 3.20% as on 30th September 2021. Asset Quality Gross NPA of the Bank as at the end of Q2 FY22 stood at Rs. 4445.84 Cr, which as a percentage to Gross Advances stood at 3.24%. The Net NPA and Net NPA as a percentage to Net Advances as on 30th September 2021 stood at Rs.1502.44 Cr and 1.12% respectively. Provision Coverage Ratio (including technical write-offs) was 79.33%. NET WORTH & CAPITAL ADEQUACY Net worth of the Bank increased from Rs. 15235.25 Cr to Rs. 17561.53 Cr, as on 30th September 2021. Capital Adequacy Ratio (CRAR) of the Bank, computed as per Basel III guidelines stood at 14.97% as at the end of the quarter. Footprint The Bank has 1272 branches and 1874 ATMs/ Recyclers as on 30th September 2021. Q2FY21 Vs Q2FY22 • Retail advances grew by 11.76% to reach Rs.44264.37 Cr Gold Loans registered a growth of 25.88% to reach Rs.15976.00 Cr Agri advances reached Rs.17890.00 Cr registering a growth of 20.23% • CASA grew by 17.82% from Rs.52785.84 Cr to Rs.62190.88 Cr The Federal Bank Ltd. | Marketing Dept | 4th Floor, Federal Towers, Bank Junction, Aluva | Phone: 04842634011 Email: [email protected] | CIN: L65191KL1931PLC000368| Website: www.federalbank.co.in

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