Investor Presentaiton

Financials FEDERAL BANK YOUR PERFECT BANKING PARTNER in Cr Q3 FY21 Q2 FY21 Q-o-Q Q3 FY20 Y-o-Y Interest Income 3460 3488 -1% 3330 4% Interest Expenses 2022 2108 -4% 2175 -7% Net Interest Income 1437 1380 4% 1155 24% Other Income 482 509 -5% 408 18% Operating Expense 956 883 8% 819 17% Total Income 3941 3997 -1% 3738 5% Total Expense 2978 2991 0% 2994 -1% Operating Profit 963 1007 -4% 744 29% Total Provisions 559 699 -20% 303 84% Net Profit 404 308 31% 441 -8% Net Interest Margin (%) 3.22 3.13 9 bps 3.00 22 bps Cost to Income Ratio (%) 49.82 46.72 310 bps 52.40 -258 bps 34

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