My slides will help u to buys shares or not in stock market.

1. STOCK
ANALYSIS
FEDERAL BANK

2. INTRODUCTION:-
Type : PUBLIC
Industry: BANKING & FINANCIAL SERVICES
Founded: 23 APRIL 1931 (AS TRAVANCORE FEDERAL BANK) 2 DEC 1949; 72 YEARS AGO
(FEDERAL BANK)
Founder: K. P. HORMIS
Headquarters : ALUVA, KOCHI, KERALA, INDIA
Number of locations: 1291 BRANCHES (2021)
Key people: SHYAM SRINIVASAN (MD & CEO)
Products: RETAIL BANKING, WHOLESALE BANKING, FINANCE AND INSURANCE,
MORTGAGE LOANS, WEALTH MANAGEMENT, INVESTMENT BANKING,DEBIT CARDS,
CREDIT CARDS

3. Cont…
Revenue: ₹15,142.16 crore (US$2.0 billion) (2020)
Operating income : ₹3,204.70 crore (US$430 million) (2020)
Net Income : ₹1,542.78 crore (US$200 million) (2020)
Total Assets : ₹180,638.05 crore (US$24 billion) (2020)
Number of employees : 12,592 (2021)
Capital ratio: 14.62%

4. INTERNATIONAL
EXPANSION
Abu Dhabi,
Qatar,
Kuwait,
Oman,
Dubai.
In January 2008, Federal Bank
opened its first overseas representative
office in Abu Dhabi.
In November 2016, Federal Bank
opened its second UAE representative
office, in Dubai.

5. Our Vision
To be the ‘Most Admired
Bank' which is Digitally
enabled with a sharp focus
on Micro, Medium and Middle
market enterprises
Our Mission
Devote balanced attention to the interests and
expectations of stakeholders, and in particular:
 Customers: Meet and even exceed expectations
of target customers by delivering appropriate
products and services, employing as far as
feasible, single window and 24-hour-seven-day-
week concepts, leveraging a strengthened branch
infrastructure, ATMs, other alternative distribution
channels, cross-selling a range of products and
services to meet customer needs varying over
time, and ensuring the highest standards of
service at all time, guided by our principle of being
'Digital at the fore, human at the core'.
 Shareholders: To achieve consistent growth in
shareholder value.
 Employees: Develop in every employee a high
degree of pride and loyalty in serving the Bank.

6. GROWTH
After completing the formalities of Banking Regulation Act, 1949and is a major Indian commercial bank in the
private sector having more than thousand branches and ATMs spread across different States in India.
Between 1963 and 1970,
 Federal Bank took over Chalakudy Public Bank (est. 20 July 1929 in Chalakudy),
Cochin Union Bank (est. 1963) in Thrissur,
 Alleppey Bank (est 1964; Alappuzha),
 St. George Union Bank (est. 1965) in Puthenpally, and
Marthandam Commercial Bank (est. 1968) in Thiruvananthapuram. In 1970,
Federal Bank became a scheduled commercial bank and came out with its initial public offering in 1994.
The bank became a Scheduled Commercial Bank in 1970, which also coincided with the Silver Jubilee Year,
since the bank commenced its operation in Aluva and is currently the fourth largest bank in India in terms of capital
base.

7. Distribution : Deriving
Efficiency from Footprint

8. STRATEGY
Strong, sustainable and
high quality growth in
advances with low risk.
Well diversified business mix.
Scaling up with technology
through operational integration
integration
Pursuing inorganic loan growth
opportunities Propelling
growth through redefined
business vertical architecture
and sharpen market focus
Rubost credit delivery and
management with already built
set up of regional credit
underwriting hubs
Building robust asset quality
and tuborcharging recovery
mechanisms
Gain market shares in rest of
India with continued focus on
home market.
Focus and leverage on strength
created through home market
Concentrate on expansion into
similar geographies:
Maharashtra, Gujarat, NCR,
Tamil Nadu, Punjab & Karanatak
Growth in both assets and
liability side product offerings
with balance across urban and
rural areas
Tapping various retail channels
like in house sales channel, tie
ups for allied products, digital
offerings, strategics partnerships
and alliances, telepresence,
among others
Transformation through
technology with continuous
investments in
digital/technology
Belief in digitally influencing life
life of customers with a guiding
philosophy of ‘Digital at force ,
Human at core’.
Adoption of high technological
platform to drive revenue as
well as improve customer
engagement.
Creation of more innovative
products with successful launch
launch and operations of selfie
(instant account opening ),
Lotza (UPI App), Online
personal loans, etc.
Blrnding data insights through
customer analytics and
behavioural patterns
Continue to strengthen
liability profile
Continue to build strong
liabilities profile with granular
deposit portfolio
Focus on maintaining stable
and growing CASA by
strategically focusing on high
savings bank balance accounts
Ensure stickiness of NR
deposits with continuous
remittance offerings
Continue to provide cushion
against high funding costs with
consistent increase in NRI
deposits
Delight stakeholders with
quality and build pride
Devote balanced attention to
the interest expectations of
stakeholders
Focus on shareholder value
creation
Build finesse in employees
leading to high degree of pride
and loyalty in serving the bank
Meet and exceed customer
exceptions with appropriate
products , leveraging branch
infra, capitalizing on multiple
avenues of distribution
Maintain robust standard of
corporate governance
Ensure highest standards of
services to all stakeholders

9. FINANCIAL ANALYSIS

10. Covid Specific
Restructuring
80% of the restructured book has >75% security coverage. 73% of
this has >100% security cover

11. BALANCE SHEET OF FEDERAL BANK (IN RS.
CR.)
MAR 21 MAR 20 MAR 19 MAR 18 MAR 17
12 mths 12 mths 12 mths 12 mths 12 mths
EQUITIES AND LIABILITIES
SHAREHOLDER'S FUNDS
Equity Share Capital 399.23 398.53 397.01 394.43 344.81
TOTAL SHARE CAPITAL 399.23 398.53 397.01 394.43 344.81
Revaluation Reserve 5.01 5.01 5.01 5.01 0.00
Reserves and Surplus 399.23 398.53 397.01 394.43 344.81
TOTAL RESERVES AND SURPLUS 16,103.00 14,423.83 13,101.24 11,879.81 8,606.56
TOTAL SHAREHOLDERS FUNDS 16,097.99 14,418.82 13,096.24 11,874.80 8,606.56
Minority Interest 216.73 180.96 80.46 0.00 0.00
Deposits 172,186.10 152,251.91 134,878.93 111,970.10 97,662.08
Borrowings 12,270.60 12,527.72 8,706.29 12,328.84 6,345.49
Other Liabilities and Provisions 3,790.86 3,570.38 3,388.53 2,640.50 2,526.80
TOTAL CAPITAL AND LIABILITIES 204,966.53 183,353.33 160,552.47 139,213.67 115,485.74
ASSETS
Cash and Balances with Reserve Bank of India 7,654.51 6,182.54 6,422.67 5,136.79 4,578.27
Balances with Banks Money at Call and Short Notice 12,161.22 6,574.77 3,630.80 4,058.43 2,876.37
Investments 36,731.67 35,715.39 31,675.70 30,594.68 27,912.26
Advances 135,514.41 124,849.50 111,535.92 93,010.89 74,086.23
Fixed Assets 517.49 504.81 479.93 461.35 492.34
Other Assets 12,387.22 9,526.31 6,807.45 5,951.55 5,540.26
TOTAL ASSETS 204,966.53 183,353.33 160,552.47 139,213.67 115,485.74
CONTINGENT LIABILITIES, COMMITMENTS
Bills for Collection 3,977.22 3,767.65 3,542.81 3,123.36 2,568.35
Contingent Liabilities 36,427.01 34,463.82 29,348.07 26,815.71 23,235.69

12. Profit & Loss - Federal Bank Ltd.Rs (in Crores)
Mar'21 Mar'20 Mar'19 Mar'18 Mar'17
12Months 12Months 12Months 12Months 12Months
INCOME:
Sales Turnover 13757.90 13210.75 11419.02 9752.86 8677.38
Excise Duty .00 .00 .00 .00 .00
NET SALES 13757.90 13210.75 11419.02 9752.86 8677.38
Other Income 1944.9127 1931.4075 1351.0240 1159.1182 1081.8067
TOTALINCOME 15702.82 15142.16 12770.05 10911.98 9759.19
EXPENDITURE:
Manufacturing Expenses .00 .00 .00 .00 .00
Material Consumed .00 .00 .00 .00 .00
Personal Expenses 2034.18 1772.36 1377.76 1242.47 1163.75
Selling Expenses 9.19 11.38 15.16 43.70 10.89
Administrative Expenses 3193.47 2644.59 2106.82 1988.73 1531.13
Expenses Capitalised .00 00 .00 .00 .00
Provisions Made 1649.63 1172.17 855.85 947.17 618.41
TOTALEXPENDITURE 6886.48 5600.49 4355.60 4222.07 3324.19
Operating Profit 296.86 220.58 676.60 307.91 346.86
EBITDA 12115.60 11886.01 10126.16 8584.25 7671.83
Depreciation 104.50 119.46 120.38 123.17 122.17
Other Write-offs .00 .00 .00 .00 .00
EBIT 12011.09 11766.55 10005.78 8461.08 7549.66
Interest 8224.20 8561.85 7242.68 6170.05 5624.74
EBT 2137.27 2032.53 1907.25 1343.86 1306.50
Taxes 546.97 489.75 663.36 465.01 475.71
Profit and Loss for the Year 1590.30 1542.78 1243.89 878.85 830.79
Non Recurring Items .00 .00 .00 .00 .00
Other Non Cash Adjustments .00 .00 .00 .00 .00
Other Adjustments .00 .00 .00 .00 .00
REPORTED PAT 1590.30 1542.78 1243.89 878.85 830.79
KEY ITEMS
Preference Dividend .00 .00 .00 .00 .00
Equity Dividend .00 .00 157.31 .00 .00
Equity Dividend (%) .00 .00 39.62 .00 .00
Shares in Issue (Lakhs) 19961.53 19926.65 19850.50 19721.44 17240.45
EPS - Annualised (Rs) 7.97 7.74 6.27 4.46 4.82

13. QUARTERLY | ANNUAL SEP 2021 JUN 2021 MAR 2021 DEC 2020 SEP 2020
Total Income 4,013.46 4,147.77 3,996.43 4,088.77 4,131.32
Total Income Growth (%) -3.24 3.79 -2.26 -1.03 1.87
Provisions & Contingencies 264.53 671.00 255.63 439.34 625.43
Provisions & Contingencies
Growth (%)
-60.58 162.49 -41.81 -29.75 52.79
Profit after Tax (PAT) 499.42 356.76 521.24 418.14 315.45
PAT Growth (%) 39.99 -31.56 24.66 32.55 -22.97
Gross NPA (%) 3.22 3.51 3.35 2.67 2.80
Net NPA (%) 1.15 1.28 1.18 0.61 0.99
Net Profit Margin (%) 12.44 8.60 13.04 10.23 7.64
Basic EPS (₹) 2.34 1.79 2.61 2.10 1.58
INCOME (P/L) in cr.

14. ANNUAL FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
Return on Equity (%) 9.86 10.63 9.37 7.20 9.29
Return on Assets (%) 0.78 0.85 0.78 0.63 0.72
Cost to Income (%) 37.49 33.26 33.54 35.40 33.85
Interest income to Earning
assets (%)
6.83 7.31 7.16 7.05 7.54
Interest Expense to Earning
assets (%)
4.08 4.73 4.54 4.46 4.89
Price to Earnings (x) 9.51 5.30 15.38 20.08 18.98
Price to Book (x) 0.94 0.56 1.44 1.44 1.76
Price to Sales (x) 1.10 0.62 1.68 1.81 1.81
Operating Profit Margin (%) -2.57 -2.94 -0.93 -2.87 -2.89
Ratio

15. Cash Flow
Rs (in Crores)
Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17
Profit Before Tax 2137.27 2032.53 1907.25 1343.86 1306.50
Net Cash Flow from Operating Activity 12207.21 4884.08 8170.89 -4697.34 3756.99
Net Cash Used in Investing Activity -3902.18 -4669.18 -3374.24 -1576.61 -2382.90
Net Cash Used in Financing Activity -1290.13 2288.52 -3935.51 8025.03 658.71
Net Inc/Dec In Cash and Cash
Equivalent
7016.81 2507.78 863.39 1751.23 2032.36
Cash and Cash Equivalent - Beginning
of the Year
12574.58 10066.80 9203.41 7452.17 5419.81
Cash and Cash Equivalent - End of
the Year
19591.39 12574.58 10066.80 9203.41 7452.17

16. Key Revenue Parameters

17. PEER COMPARISON
NAME P/E (X) P/B (X) ROE % ROA %
REV
CAGR
[3YR] OPM
Federal Bank 9.71 1.04 10.08 0.81 13.54 -2.17
YES Bank -10.67 1.04 -10.52 -1.27 -2.77 -34.55
IDFC First Bank
-
127.20
1.68 2.69 0.29 21.03 -11.08
City Union
Bank
15.64 1.70 10.14 1.11 7.07 -2.70
RBL Bank -33.15 0.60 4.18 0.52 23.26 -17.74
RATIO PERFORMANCE
STOCK PERFORMANCE

18. TECHNICHALS ANALYSIS

19. Bullish signal on daily chart
Appeared on: 31 Dec 2021
10D EMA: 82.94
Last 4 Buy Signals:8 Dec 2021
Date
7 days Gain/Loss
%
8 Dec 2021 3.38%
30 Sep 2021 3.08%
14 Sep 2021 5.28%
8 Sep 2021 0.18%
Average price gain of 3.77% within 7 days of Bullish signal
in last 5 years

20. PRICE ANALYSIS

21. INTRADAY CHART
5 YEARS

22. FUNDAMENTAL ANALYSIS
Price / EPS
(PE)
9.42
Price / Sales 1.08
Earning /
Share
8.34
Dividend /
Share
0.700
Dividend /
Yield
0.850%
Price / Book 0.517
Market
Capitalization
17446.85 Cr
Enterprise
Value
722.28 Cr
Consensus
Target
102.22
Financial Highlights
ROCE 33.28 %
ROE 10.09 %
ROA 0.812 %
ROIC 5.84 %
Ops Margin 0 %
Net Margin 10.28 %
EBITDA Margin 66.56 %
Gross Profit Margin 0 %
Asset Turnover 8.34 %
Free Cashflow To
Revenue
68.25
Dividend Payout Ratio 0
Cash Flow To Asset 5.45
FEDERALBNK - Profitability
Ratios (Latest FY)
Debt To Equity 0.744
Short term debt To
equity
0
Interest Coverage 1.26
Share Holder equity
Ratio %
8.05
Dividend Coverage 0
Debt To EBITDA 1.14
Asset To Sh Holder
Funds
12.42
Debt To Asset 0.060
Cash Flow To Debt 0.911
Debt To Capital 0.426
FEDERALBNK - Solvency Ratios (Latest FY)

23. Cash ratio 0.168
Quick Ratio 0.182
Current Ratio 0.182
Inventory Turnover Ratio 0
Days In Working Capital 0
Cash Turnover Ratio 0.558
Accruals Ratio -0.0458
Account Receivable
Turnover Ratio
5.27
Account Receivable Day 69.22
Inventory day 0
Operating Cycle Ratio 0
Operating Ratio (Opex)% 27.75
FEDERALBNK - Efficiency Ratios
(Latest FY)
ROA MRQ 0.230%
ROE MRQ 2.68%
Net Margin MRQ 12.10%
Ops Profit Margin MRQ 22.95%
EBITDA Margin MRQ 65.13%
Gross Profit Margin MRQ 0%
Price To Cash Flow MRQ -6.54
Earning Per Share MRQ 2.31
Debt To Equity MRQ 78.59%
Price / Book MRQ 0.445
Quick Ratio MRQ 0.130
Current Ratio MRQ 0.130
Total Assets MRQ 211181.55 Cr
Total Debt MRQ 14240.10 C
MRQ (Most Recent Quarter)
Ratios
ROA TTM 0.887%
ROE TTM 10.83%
Earning Per Share TTM 8.81
Price To Sales TTM 1.03
Price / Book TTM 1.01
Price / Earning TTM 9.42
Net Margin TTM 10.97%
Ops Profit Margin TTM 5.67%
EBITDA Margin TTM 64.24%
Gross Profit Margin TTM 0
Revenue/Share TTM 80.29
Revenue TTM (Cr) 16246.43
TTM (Trailing Twelve Months)
Ratios
CONT…

24. CATEGORY
30 SEP
2021
30 JUN
2021
31 MAR
2021
31 DEC
2020
Promoters 0.00 0.00 0.00 0.00
Pledge 0.00 0.00 0.00 0.00
FII 25.92 24.05 24.51 21.69
DII 42.54 43.89 43.29 44.60
Mutual Funds 32.72 32.59 30.23 29.90
Others 31.54 32.06 32.20 33.71
SHAREHOLDING PATTERNS
FII 53,73,42,342 25.92 % 1.87
DII 88,16,44,827 42.54 % -1.35
MF 67,82,15,895 32.72 % 0.13
Others 68,25,26,309 31.54 % -0.52
TOTAL SHAREHOLDINGS

25. SHAREHOLDERS TOTAL SHARES (CR) IN %
Icici Prudential Mutual Fund 11.63 5.61%
SHAREHOLDERS TOTAL SHARES (CR) IN %
Templeton Mutual Fund 9.72 4.69%
Yusuffali Musaliam Veettil Abdul Kader 7.64 3.69%
Hdfc Mutual Fund 7.16 3.45%
Nippon Life India Trustee Ltd 6.00 2.9%
Hdfc Life Insurance Company Limited 5.96 2.88%
Kotak Mutual Fund 5.93 2.86%
Dsp Mutual Fund 5.49 2.65%
Jhunjhunwala Rakesh Radheshyam 5.47 2.64%
Tata Aia Life Insurance Co Ltd 4.37 2.11%
Sbi Mutual Fund 3.99 1.93%
Lic Of India 3.84 1.85%
Ifc Emerging Asia Fund, Lp 3.67 1.77%
Ifc Financial Institutions Growth Fund, Lp 3.67 1.77%
Bank Muscat India Fund 3.34 1.61%
Mirae Asset Mutual Fund 3.17 1.53%
International Finance Corporation 3.15 1.52%
Kotak Funds 2.86 1.38%
Uti - Core Equity Fund 2.80 1.35%
Vanguard Emerging Markets Stock Index
Fund
2.18 1.05%
Rakesh Jhunjhunwala Rekha
Jhunjhunwala
2.10 1.01%
Public Shareholders (above 5%) Dec 21
Public Shareholders (above 1%) Dec 21

26. Ratings Current
1 Week
Ago
1 Month
Ago
3 Months
Ago
Strong Buy 17 17 18 19
Buy 7 7 7 7
Hold 4 4 4 2
Sell - - - 1
Strong Sell - - - -
# ANALYSTS 28 28 29 29
ANALYST TRENDS
•TARGET ₹120

27. Digital migration INNOVATION ANG GROWTH THROUGH
PARTNERSHIP
Digital Transactions have seen a 34% YoY growth ACCOUNT AGGREGATOR
• 5 Major banks to go live on account aggregator ecosystem
• AA is a new concept wherein the data is aggregated by financial
institutions , insurance companies etc. can be used for consumption
digitally entirely based on a valid customer consent.
• With use cases from NTB acquisition to cross selling of multiple
products , this one place to vouch for in the coming days.
Count of digital active users continues to increase BHARATPE (Merchant Network)
• An offline acquirer of merchants providing QR codes of UPI payments,
payments, POS machines and facilitating small loans.
• Bank now processes the highest number of transactions for Bharat
pe.
• Federal Bank is the No. 1 partner bank of Bharat pe having 45L+
Merchants on the platform & perform 14L+ transactions everyday.
Mobile banking volume stands at 10,868 Crore, a 37%
YoY growth.
Comprehensive school Management Solution
Career book
• Next generation school management for educational institutions.
• Makes fee payment hassle free. Schools on the platform have direct
access to Bharat Billpay (BBPS) enabling parents to make payments
through 150 plus UPI Apps and Mobile/Net Banking of all banks .
• School can subscribe to other features like Admission, Attendance,
Examination, Promotion etc.
Digital share stands at 87.50% foe the month of sep-
2021
INTERPRETATION

28. CASA grew by 18%
YoY and CASA Ratio
at all time high level
of 36.16%
• Strong traction in
NIM @ 3.20% and
pick up in NII @ Rs.
1479 Cr
Net Profit @ Rs. 460
Cr, grew by 50% YoY
Operating Profit at
Rs. 865 Cr
Total Advances grew
by 10% YoY
Agri Business grew
by 20% YoY
Retail Advances
grew by 12% YoY
Total Savings
Deposits grew by
16% YoY
Retail Deposits at
94% of Total
Deposits
Strong traction in
Core Fee Income @
Rs. 373 Cr, increase
of 29% YoY
INTERPRETATIONS

29. 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
Total Deposits
increased by 9.73%
from Rs. 156747.39
Cr to Rs.171994.75
Cr
Investments stood at
Rs. 36976.73 Cr
Book Value per
share increased
from Rs. 76.38 to Rs.
83.57
The Bank earned Net
Interest Income of
Rs. 1479.42 Cr for
the quarter ended
30th September
2021..
Net Profit 460.26 cr
From 307.62cr, yoy
growth 49.62%
Resident Savings
Bank Deposits of the
Bank grew from Rs.
23084.29 Cr to Rs.
27716.43 Cr
INTERPRETATIONS

30. CONCLUSION
 As per my opinion Federal Bank show steadily growth , I will suggest u to buy the
shares of this company.
 It will give all the investors a huge profit in future
 Now again there may be some issue of due to pandemic but Federal Bank will
not keep itself down, it has improves its digital migration , innovation , create
partnership with other merchants banks.
 It does not have much risk in it , so a normal retail investor can buy it.
 Overall , it will be better for all investors to invest in Federal Bank shares and it
will help to earn profit.

31. THANK
YOU
PRESENTED BY:-
AMIYA RANJAN
GUIDED BY:-
SANYAM GUPTA