Investor Presentaiton
Key Messages
FEDERAL BANK
YOUR PERFECT BANKING PARTNER
Strong Operating
Momentum
Continue to
Strengthen
Balance Sheet
Adequately
Capitalized
Robust Operating Performance
• Operating Profit @ 963 Cr for the Quarter,
grew 29% YOY
Net Profit @ 404 Cr, impacted by significant
step up in provisions to further strengthen the
Balance sheet
Net Interest Margin @ 3.22% an increase of
22 bps YoY
Granular Liability Franchise
•CASA grew by 23% YoY and CASA Ratio
improved to 34.48%
.
.
Retail Deposits at 92% of Total Deposits
More than INR one trillion inward
remittances processed in calendar year 2020
Asset Quality
.
.
Strengthened PCR to 77.10% from 64.65%
QoQ
GNPA down to 2.71% and NNPA down to
0.60%, including the proforma slippages, GNPA
& NNPA would have been 3.38% & 1.14%
respectively
New Initiatives/ Digital Update
Crossed 1000 crores of monthly spends on
Debit cards, in December 2020. This puts
Federal Bank in top 5 private sector banks on
debit spends
Transactions using Digital Channels now
account for 86% of the total transactions
Credit Growth in Chosen Areas
.
Total Advances grew by 6% YoY
• Retail Advances grew by 16% YoY
•Gold loans grew by 16% QoQ & 67% YoY
Business Banking grew by 13% YoY
Income and Cost Streams
• Highest ever Net Interest Income @1437 Cr,
grew 24% YoY, against credit growth of 6%
• Other Income @ 482 Cr, grew by 18% YoY &
Core Fee income grew by 15% YoY
• Cost to Income improved to 49.82%, down 258
bps YoY
Steady Growth in Market Share
•
.
Market Share in Advances at 1.18%
Market Share in Deposits at 1.09%
• Market Share in Personal Inward remittance
business increased to 17.50%
Balance Sheet and Capital
• Balance Sheet grew by 14% YoY (Rs 1.97 L Cr)
• Total business grew 9% YoY (Rs 2.87 L Cr)
• CRAR at 14.31%View entire presentation