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THE FEDERAL BANK LIMITED

Regd. Office, Federal Towers
Aluva, Kerala

FY 2010-11
Firs t Quarter R es ults
as on 30.06.2010

INVESTOR PRESENTATION

FEDERA L B A NK

726.335.30 Cr to Rs.47 Cr  Net Interest Income up by 42.413.584.32 Cr  Total Expenses reduced by 2.84 % from Rs.38 Cr to Rs.49 % from Rs.109.86 Cr  Gross NPA at 3.278.31 % from Rs. PER FOR MANC E HIG HLIG HTS (Q1 FY 2010 vs Q1 FY 2011)  Total Interest Income up by 8.85 % from Rs.743.51 Cr to Rs.290.68 Cr  Interest Expenses down by 7.73 % and Net NPA at 0.31 % from Rs.147.41 Cr to Rs.951.1061.08 Cr to Rs.538.34 Cr  Net Profit down by 3.79 Cr  Non-Interest Income down by 25.89 Cr  Total Income increased by 3.136.28 Cr to Rs.45 % from Rs.79 Cr to Rs.74 % FEDERA L B A NK .874.51 % from Rs.90 % from Rs.131.1021.38 Cr to Rs.34 Cr  Operating Profit up by 20.

94 % to Rs.85 Cr  Total Deposits grew by 10.89 %  EPS at Rs.22 % to Rs. PER FOR MANC E HIG HLIG HTS (Q1 FY 2010 vs Q1 FY 2011)  CRAR at 17.85 Cr  Net Advances increased by 16.27143.30.95  Cost to Income Ratio at 35.48 % to Rs.64 % to Rs.281.84  Return on Average Total Assets at 1.34983.99 Cr  Investments grew by 2.23 %  Book value per share increased to Rs.12012.71 Cr FEDERA L B A NK .91 %  Total Business up by 12.62127.

38 (-) 3.45 Total Income 1061.84 Net Interest Income 413.28 20.31 Operating Profit 335.39 % Ratio FEDERA L B A NK .49 Other Income 109.34 278.30 (-) 7.) Q1 June Q1 June Y-o-y 2010 2009 growth (%) Interest Income 951.34 743.38 8.85 Interest Expenses 538.68 1021.86 136.90 Total Expenditure 726.47 584.31 % Cost to Income 35.51 (-) 2.17 % 3. in C r.79 3.32 290.08 42.41 (-) 25.91 % 36.79 874.89 147.31 Net Interest Margin 4.51 Net Profit 131.PER FOR MANC E HIG HLIG HTS 3 Months Performance (Rs.

15 563.63 TOTAL 42823.73 277.33 2051.84 Inves tments 12012.81 Fixed As s ets 279.40 TOTAL 42823.67 Other As s ets 697.65 Other Liabilities & Provis ions 1458.23 Depos its 34983.70 B orrowing s 1558.) As at 30th June 2010 30th June 2009 LIAB ILITIES C apital 171.56 38571.81 Advances 27143.72 608.71 11721.65 685.85 31740.03 R es erves & S urplus 4651.69 1759.56 38571.74 B al.03 171. B ALANC E S HEET (Rs.24 AS S ETS C as h & B alance with R B I 2513. in C r.99 23270.24 FEDERA L B A NK .27 4291. with banks & money at call 176.

in C r.86 147.28 290.08 136.41 109.32 335.34 278.G R OWTH IN INC OME & PR OFIT 3 months (Q1 FY 11 vs Q1 FY 10) (Rs. Int.68 1021.89 Net Profit Operat.) 1061.38 131.Profit Other Income Net. Total Income Income FY 2009-10 FY 2010-11 FEDERA L B A NK .79 413.

09 30.) 2008 2009 2010 30.5% Certificate of Deposits + Deposits of Rs.0% Term Deposit 28.5% 52.06.6.2010 FEDERA L B A NK .10 Savings Deposits 5037 6445 7611 6753 8254 Demand Deposits 1464 1448 1831 1536 1892 Other Deposits 19412 24305 26616 23452 24838 Total Deposits 25913 32198 36058 31741 34984 CASA 19. in C r. G R OWTH IN DEPOS ITS C A S A cons titutes over 35 % of our R etail Deposits (Rs.1 Cr & above Constitution of Total Deposits as on 30.6.

Retail Bank Deposits ONR) Deposits June 2009 June 2010 FEDERA L B A NK .G rowth in R etail Depos its 27 % of our R etail Depos its are from the NR I s egment 28174 (Rs. in C r.7 % Savings NRE NRI (incl.) 24601 15 % 8254 7611 6753 6823 5581 5618 22 % 12 % 0.

2010 Gross Advances 15277 19327 22907 27634 27979 Large Corporate Advances 4958 6763 8474 10523 11055 S M E Advances 6099 6955 7382 8497 8302 Retail Loans 4220 5609 7051 8614 8622 Large Corporate Advance refer to advances of Rs.) 2007 2008 2009 2010 30. G R OWTH IN ADVANC ES (Rs.7% Large Corporate Retail 39.25 Crore and above SME 29.6.8% FEDERA L B A NK . in C r.5% 30.

06. R ETAIL AS S ETS Retail A ssets constitute 31% of the B ank’s gross advances as on 30.2010 Product-wise composition of Retail Assets as at 30.06.2010 7% 1% 3% Housing Loans 6% Gold Loans Home Overdraft 7% Mortgage Loan AAS / AAD 4% 57% Car Loan Educational Loan 5% Personal Loan Others 10%  Housing Loans form 57 % of Retail Assets  Advance against approved securities form 7 % of Retail Assets  Gold Loans contribute another 10 %  Personal Loans account for less than 1 % of Retail Assets FEDERA L B A NK .

) No.45 7 Eng ineering incl.95 3 R oads & Ports (Infras tructure) 563. Fertilizers . Sector Amount of exposure 1 Power (Infras tructure) 1877.2010 (Rs.21 8 Metal & metal products (Other than Iron & S teel) 304.33 6 C otton Textiles 383.06. 473. in C r.11 4 C hemicals .62 10 R ubber and rubber products 174. TOP 10 INDUS TR IAL EXPOS UR ES as on 30.72 9 Paper & paper products 195.02 FEDERA L B A NK .42 2 Iron & S teel 773. etc. electronics 351.43 5 Food Proces s ing 472. Dyes . Paints .

06 -1.3 14.53 -2.96 0.11 Forex Money Mkt G Sec Equity Derivatives MF & others FEDERA L B A NK .77 0.) 45.18 Jun-09 Jun-10 14.12 0.01 10.45 2. TR E AS UR Y OPER ATIONS Profit from various segments (Rs. in C r.46 1.25 9.

59% 22.6.09 30.6.) HFT 905 800 1019 432 AFS 4771 2885 2957 2658 HFT + AFS 5676 3685 3976 3090 HTM 6571 9382 7797 8929 Total Investments 12247 13067 11773 12019 of which SLR 8164 9294 8542 9103 Non-SLR 4083 3773 3231 2916 IFR 190 190 190 190 HFT AFS 3.29% Constitution of Investments as on 30.2010 FEDERA L B A NK .10 (Rs. in C r.11% HTM 74.06. TR EAS UR Y POR TFOLIO Mar 09 Mar 10 30.

) 1043.23 200.67 128.05 % FEDERA L B A NK .37 % 80.37 % 83.97 631.79 67.NPA MOVEMENT (Rs. in C r.82 820.31 Q1 FY 10 Q4 FY 10 Q1 FY 11 Gross NPA Net NPA Provision Coverage Ratio Q1 FY 10 Q4 FY 10 Q1 FY 11 88.

(Rs.01 TOTAL 13 45.04.93 FEDERA L B A NK .2010 Amount No.2010 to 30.92 Sub-standard 1 0.R es tructured Advances During the period from 01.06. in Crores) Standard 12 45.

95 TOTAL PROVISIONS 800.83 Loan Losses 413.70.07 .00 70.78 93.93 1.) 12 months 3 months 3 months ended ended ended Mar 2010 June 2010 June 2009 Investment Losses .55 Tax 395.48 141.11 135.10 89.4.97.23 Other purposes 89.67 29. PR OVIS IONS (Rs.30 203. in C r.74 .90 FEDERA L B A NK .

86 % 36.78 % Net Interest Margin 3.83 % 6.84 % 6.82 % 3.42 % 10. MOVE MENT OF MAR G INS FY 2009-10 June 09 June 10 (12 months) (3 months) (3 months) Yield on Advance 11.75 % 4.99 % Yield on Investments 6.39 % 35.36 % 4.30 % 11.15 % Cost to Income Ratio 34.06 % 5.91 % FEDERA L B A NK .55 % 7.82 % Interest Spread 4.31 % 4.81 % Cost of Deposits 6.

06. C HANNELS OF DE LIVER Y A s on 30.2010 Branches 708 ATMs 751 Corporate Regions 13 Office Representative 01 Office (Overseas) Regional Offices 13 General Service Asset Specialised Currency Branches Branches Recovery Branches Chest 686 16 4 2 2 FEDERA L B A NK .

Counters KARNATAKA 50 Metro 2 KERALA 424 Urban 5 M ADHYA PRADESH 3 Semi urban 0 M AHARASHTRA 63 Rural 0 M EGHALAYA 1 NAGALAND 1 TOTAL 7 NEW DELHI 16 ORISSA 3 No. of ATMs PONDICHERRY 2 Metro 107 PUNJAB 6 Urban 215 RAJASTHAN 3 Semi urban 347 TAM ILNADU 47 Rural 82 UTTAR PRADESH 10 TOTAL 751 UTTARANCHAL 1 WEST BENGAL 17 (as on 30. ANDHRA PRADESH 26 No. of Branches ASSAM 6 Metro 109 BIHAR 1 Urban 158 CHANDIGARH 1 Semi urban 324 CHATTISGARH 2 Rural 117 GOA 4 GUJARAT 8 TOTAL 708 HARYANA 8 JHARKHAND 5 No. B R ANC H DIS TR IB UTION State No.06.2010) Total 708 FEDERA L B A NK . of Extn.

B US INES S DIS TR IB UTION DEPOSITS ADVANCES 49% 42% 51% 58% Kerala O utside Kerala Kerala Outside Kerala FEDERA L B A NK .

93 3.54 Repairs 4.14 Insurance 7.96 Others 21.OPE R ATING EXPENS ES (Rs.44 19.18 25.) June 09 June 10 Salary 92.81 Advertisement 0.87 FEDERA L B A NK .08 5.11 Postage 3.00 Total 159.81 8.21 187.96 1. Taxes & Lighting 15.21 Depreciation 11. in C r.75 Rent.30 17.35 Printing & Stationery 2.41 104.10 2.

56 0.22 Profit on sale of 57.56 Commission Income Forex Transactions 10.) June 09 June 10 Exchange & 26. OTHER INC OME (Rs.88 FEDERA L B A NK .33 13.59 Total 147.55 securities Others 52.22 51.96 Dividend Income 0. in C r.37 27.41 109.93 16.

33 June 09 March 10 June 10 June 09 March 10 June 10 EARNINGS PER SHARE (Rs.08 June 09 March 10 June 10 June 09 March 10 June 10 RETURN ON EQUITY (%) RETURN ON ASSETS (%) 274.84 260.9 27.23 1.09 1.17 11.24 281. K EY R ATIOS (all values pertain to quarters) 12.) BOOK VALUE PER SHARE (Rs.4 1.95 31.) FEDERA L B A NK .9 30.41 10.

19 94 0. Crore) FEDERA L B A NK . Lakh) 0. Lakh) Business Per Employee (Rs.17 88. K EY R ATIOS 7.19 (all values pertain to quarters) 6.22 0.9 June 09 March 10 June 10 June 09 March 10 June 10 Profit Per Branch (Rs.4 87. Crore) Business Per Branch (Rs.01 777 723 June 09 March 10 June 10 June 09 March 10 June 10 Profit Per Employee (Rs.61 815 6.

(ind) Bonds CARE AA FEDERA L B A NK . OUR R ATING S Instrument Agency Rating Fixed Deposits CRISIL P1+ Certificate of Deposit CRISIL P1+ Bonds FITCH AA.

established in 2008  Gateway of the Bank to the whole of Middle East  Increased the reach of the Bank among Non-Resident Indians in the Gulf countries FEDERA L B A NK .A.V.E. in association with IDBI Bank and Fortis Insurance International N.  Fully owned subsidiary of the Bank  Marketing Retail Asset Products of the Bank  Retail Hubs established at major centres all over India  Separate mechanism established for speedy and dedicated processing of retail loans sourced through this channel UAE Representative Office  Representative Office at Abu Dhabi. Ltd..V.” shortly FedBank Financial Services Ltd. Capital of U.S ubs idiaries & Joint Ventures IDBI Fortis Life Insurance Co.  Started selling life insurance products from March 2008  Name being changed to “IDBI Federal Life Insurance Co.  Bank’s Joint Venture Life Insurance Company. Ltd.  Federal Bank holds 26 % equity in the J.

OWNER S HIP S hareholding pattern as on 30. etc.2010 Corporate Bodies FII 14% 36% GDR 2% Foreign Corporate Bodies 5% Financial Institutions. Banks. 8% Individuals 20% Mutual Funds 15% FEDERA L B A NK .06.

THANK YOU FEDERA L B A NK .