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Achieving New Heights with Robust Aspiration

At Federal Bank, we have achieved strong operating performance across all fronts, notwithstanding the challenging business environment. Our relentless commitment to diversifying across customer segments and delivering unmatched customer experiences has led to sustained and robust growth. We prioritise maintaining a human touch in everything we do, ensuring that personal connections and meaningful interactions remain at the core of our approach.

Delivering Solid Performance

17%
213,386 Crore

Total Deposits

18%
95,791 Crore

Retail Credit Book

22%
81,585 Crore

Wholesale Credit Book

20%
174,447 Crore

Net Advances

19%
387,833 Crore

Total Business

38%
2,066 Crore

Total Fee Income

21%
7,232 Crore

Net Interest Income

28%
4,794 Crore

Operating Profit

59%
3,011 Crore

Net Profit

15%
21,419 Crore

Net Worth

: Y-o-Y Growth/Degrowth

Growing Market Share

1.29% 1

Advance Market Share

1.12% 2

Deposit Market Share

19.30% 3

Individual Inward Remittance

1Disclaimer: Market share calculated based on March 31, 2023 data of (i) Federal Bank’s gross advances, and (ii) RBI Quarterly Statistics on Deposit and Credit of Scheduled Commercial Banks

2Disclaimer: Market share calculated based on March 31, 2023 data of (i) Federal Bank’s Deposits (excluding interbank deposits), and (ii) RBI Quarterly Statistics on Deposit and Credit of Scheduled Commercial Banks

3Data derived from RBI Statement II: Standard Presentation of India’s Balance of Payments - Private Transfer in INR

Fortifying Business Granularity

99%

Core Deposit Ratio

85%

CASA + Deposits <= 2 Crore (% of Total Deposits)

54:46

Retail Credit Book: Wholesale Credit Book

Strengthening Key Ratios

34 bps
1.28%

Return on Assets

415 bps
15.02%

Return on Equity

11 bps
3.31%

Net Interest Margin

346 bps
49.86%

Cost to Income

54%
22.94 Lakh

Profit Per Employee

Enhancing Asset Quality and Stability

44 bps
2.36%

GNPA

27 bps
0.69%

NNPA

448 bps
70.02%

PCR (Excl Tech W/O)

5 bps
0.40%

Credit Cost

289 bps
83.49%

PCR (Including Tech W/O)

: Y-o-Y Growth/Degrowth

Expanding Digital Prominence

78.77%

of New Accounts Booked From FinTech Partnerships

18,018 Crore

Mobile Banking Volume for the Month of March 2023

139%

Y-o-Y Growth in UPI Transactions

90%

of Transactions Executed Digitally

37,322 Crore

of Monthly Corporate Digital Products Volume

80%

Accounts Opened Digitally

Strengthening Our ESG Commitments

0.76%

Coal Related Sub-Project Exposure

32.22 Billion

Green Loans Outstanding

41%

of the Workforce is Women

84,000 Litres

Rainwater Harvesting Capacity

107.81 Lakh

Sheets of Paper Saved

3.90 Lakh

Total Person-hours of Training

29 hours

Average training hours per employee

43.88 Crore

CSR Allocation

98%

Committee Meeting Attendance

31,50,156+

Lives Impacted through CSR Initiatives

95%

Board Meeting Attendance