Federal bank FIM

Income/BS items 2014 2015 2016 2017 2018

Interest on advances 50111 57627.65 66271.8 76212.57 87644.45
Advances 434361 499515.2 574442.4 660608.8 759700.1
Interest on RBI(2% of RBI balance) 524 524 524 524 524
Cash with RBI 25001 25001 25001 25001 25001
Deposits 597313 686910 789946.4 908438.4 1044704
Investments 241179 277355.9 318959.2 366803.1 421823.6
Income on investments 17768 20433.2 23498.18 27022.91 31076.34
Commission, exchange and brokerage 3338 3838.7 4414.505 5076.681 5838.183
Others(income) 1058 1058 1058 1058 1058
Other Income 3600 3600 3600 3600 3600
Total income 76399 87081.55 99366.48 113494.2 129741

Expenditure
2014 2015 2016 2017 2018
Interest expense( At 7%) 42095 48409.25 55670.64 64021.23 73624.42
Other interest expenses 3959 3959 3959 3959 3959
Interest on RBI borrowings 1121 1229.275 1348.007 1478.208 1620.985
Operational overhead 14421 16437.43 18756.32 21423.04 24489.78
Provisions for investment 1116 1116 1116 1116 1116
Other provisions 1568 1803.2 2073.68 2384.732 2742.442
Total Expenditure 64280 72954.15 82923.64 94382.22 107552.6

PBT 12119 14127.4 16442.84 19111.94 22188.35

PAT (@ tax=30%) 8483.3 9889.178 11509.99 13378.36 15531.85
No. of outstanding shares 855 855 855 855 855
Adjusted earning per share 9.921988 11.56629 13.46197 15.6472 18.1659
Dividend/ share 2 3.469887 4.038592 4.69416 5.449771
Total Dividend 1710 2966.754 3452.996 4013.507 4659.554
Total reserves 67795 74717.42 82774.42 92139.26 103011.6

Balance sheet
Deposits 597313 686910 789946.4 908438.4 1044704
Borrowings from RBI and Interbank
Equity 69506 76428.42 84485.42 93850.26 104722.6
RoE 0.122051 0.129391 0.136236 0.14255 0.148314
Growth rate 0.085436 0.090574 0.095365 0.099785 0.10382
 2019
100791.1 investment to deposit ratio
873655.1 0.403773
524 return on investment ratio
25001 0.073671
1201410
485097.1 Commission to deposits
35737.79 0.005588
6713.91
1058 Growth rate of borrowing from RBI and
3600 1.096588
148424.8 Interest on 0.070474 Operational overhead to total income r
0.188759

Divident payout ratio

2019 0.201573
84668.08
3959 cost of equity
1777.552 0.143
28016.52
1116
3153.808
122691

25733.86
18013.7
855
21.06866
6.320597
5404.111 PV $13,426.42
115621.1 Horizon va 31086.7783
total value $44,513.20
value per $52.06
1201410

117332.1
0.153527
0.107469
ate of borrowing from RBI and other

nal overhead to total income ratio

payout ratio