INTEGRATED FILING — BANKING



General information about company

Scrip code 500469
NSE Symbol FEDERALBNK
MSEI Symbol NOTLISTED
ISIN INE171A01029
Name of bank The Federal Bank Limited
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 02-Aug-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 18-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 02-Aug-2025   15:07:00
End date and time of board meeting 02-Aug-2025   15:30:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
There was no default on loans and debt securities during the period under consideration.


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 53228900000 53228900000
Income on investments 11346200000 11346200000
Interest on balances with reserve bank of India and other inter bank funds 1506300000 1506300000
Others 784900000 784900000
Total interest earned 66866300000 66866300000
2 Other income 11129800000 11129800000
3 Total income 77996100000 77996100000
Expenses
4 Interest expenses 43498000000 43498000000
5 Operating expenses
(i) Employees cost 7976100000 7976100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 10959100000 10959100000
Total other operating Expenses 10959100000 10959100000
Total Operating Expenses 18935200000 18935200000
6 Total expenditure excluding provisions and contingencies 62433200000 62433200000
7 Operating profit before provision and contingencies 15562900000 15562900000
8 Provisions other than tax and contingencies 4001600000 4001600000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 11561300000 11561300000
11 Provision for Tax 2943800000 2943800000
12 Net profit (loss) from ordinary activities after tax 8617500000 8617500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 8617500000 8617500000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 8617500000 8617500000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 4914200000 4914200000
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 14.69 14.69
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 3.51 3.51
Diluted earnings per share before extraordinary items 3.47 3.47
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.51 3.51
Diluted earnings per share after extraordinary items 3.47 3.47
(iv) NPA Ratios
Amount of gross non-performing assets 46696600000 46696600000
Amount of net non-performing assets 11576400000 11576400000
% of gross NPAs 1.91 1.91
% of net NPAs 0.48 0.48
Return on assets 0.25 0.25
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) 1.The above Standalone Unaudited Financial Results for the quarter ended June 30, 2025 were approved by the Board of Directors at its meeting held on August 02, 2025. These financial results have been subjected to limited review by the Joint Statutory Auditors of the Bank and an unmodified review report has been issued. 2. The above Financial Results of the Bank have been prepared in accordance with the provisions of the Banking Regulation Act, 1949, Generally Accepted Accounting Principles in India, including Accounting Standards as specified under Section 133 of the Companies Act, 2013, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements Regulations, 2015, as amended, in so far as they apply to Bank, and the guidelines issued by the RBI. 3. The Bank has applied significant accounting policies in the preparation of these Financial Results consistent with those followed in the annual financial statements for the year ended March 31, 2025. Any circular / direction issued by the RBI is implemented prospectively when it becomes applicable, unless specifically required as per that circular / direction. 4. Other income includes fees earned from providing services to customers, commission from non-fund-based banking activities, earnings from foreign exchange and derivative transactions, selling of third-party products, profit / loss on sale of investments , profit / loss on revaluation of investments, dividend received from subsidiaries / associate, recoveries from advances written off, etc. 5. The Capital Adequacy Ratio is computed on the basis of the RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes if any, in the guidelines. 6. During the quarter ended June 30, 2025, the Bank has allotted 12,52,627 equity shares of Rs. 2 each, pursuant to the exercise of stock options by employees. 7. As per extant the RBI guidelines, banks are required to make Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and Net Stable Funding Ratio (NSFR) under the Basel III Capital Regulations. Accordingly, such applicable disclosures have been placed on the website of the Bank which can be accessed at the following link: https://www.federalbank.co.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. ...........


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 19385400000 19385400000
2 Corporate/Wholesale Banking 31060700000 31060700000
3 Retail Banking- Digital Banking 8361600000 8361600000
4 Retail Banking- Other Retail Banking 68315400000 68315400000
5 Other Banking operations 729400000 729400000
Total Segment Revenue 127852500000 127852500000
Less: Inter segment revenue 49884200000
Income from operations 77968300000 77968300000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 3827700000 3827700000
2 Corporate/Wholesale Banking 4859700000 4859700000
3 Retail Banking- Digital Banking 272100000 272100000
4 Retail Banking- Other Retail Banking 1954200000 1954200000
5 Other Banking operations 619800000 619800000
Total Profit before tax 11533500000 11533500000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income -27800000
Profit before tax 11561300000 11561300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 990328900000 990328900000
2 Corporate/Wholesale Banking 1205064900000 1205064900000
3 Retail Banking- Digital Banking 77988600000 77988600000
4 Retail Banking- Other Retail Banking 1225353600000 1225353600000
5 Other Banking operations 464600000 464600000
6 Treasury 990328900000 990328900000
7 Corporate/Wholesale Banking 1205064900000 1205064900000
8 Retail Banking- Digital Banking 77988600000 77988600000
9 Retail Banking- Other Retail Banking 1225353600000 1225353600000
10 Other Banking operations 464600000 464600000
Total Segment Assets 3499200600000 3499200600000
Un-allocable Assets 33776000000 33776000000
Net Segment Assets 3532976600000 3532976600000
4 Segment Liabilities
Segment Liabilities
1 Treasury 337912000000 337912000000
2 Corporate/Wholesale Banking 398773600000 398773600000
3 Retail Banking- Digital Banking 201684400000 201684400000
4 Retail Banking- Other Retail Banking 2235485300000 2235485300000
5 Other Banking operations 1800000 1800000
6 Treasury 337912000000 337912000000
7 Corporate/Wholesale Banking 398773600000 398773600000
8 Retail Banking- Digital Banking 201684400000 201684400000
9 Retail Banking- Other Retail Banking 2235485300000 2235485300000
10 Other Banking operations 1800000 1800000
Total Segment Liabilities 3173857100000 3173857100000
Un-allocable Liabilities 14920700000 14920700000
Net Segment Liabilities 3188777800000 3188777800000
Disclosure of notes on segments Contd... 8. Disclosures as per 'Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021' dated September 24, 2021, and as amended thereafter, for the loans transferred / acquired during the quarter ended June 30, 2025 are given in the results published. i) During the quarter ended lune 30, 2025, the Bank has neither acquired nor transferred any loans not in default or stressed loans or Special Mention Accounts (SMA). ii) During the quarter ended June 30, 2025, the Bank has not invested in Security Receipts (SR) issued by an Asset Reconstruction Company (ARC) pursuant to transfer of Non-Performing asset to ARC. Details of the recovery ratings assigned to Security Receipts outstanding as on lune 30,2025 are given below: Rati no Recoverv Rating Gross Book Value Provision Held Net Book Value RR1 100%- 150% 481 .50 481.50 Total 481.50 481.50 9. During the quarter ended December 31, 2024, the Bank sold 61,50,000 equity shares of Equirus Capital Private Limited (ECPL), an associate entity of the Bank. Following the sale, the shareholders' agreement between the Bank, ECPL, and the promoter of ECPL was terminated and ECPL ceased to be an associate entity of the Bank with effect from November 15, 2024. 10. The figures for the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the financial year 2024-25 and the published year to date figures upto December 31, 2024, which were subjected to limited review. 11. Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification. For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking (with Digital Banking and Other Retail Banking as sub-segments) and Other Banking Operations in compliance with the Reserve Bank of India (RBI) guidelines. The business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting as per Accounting Standard-17, the Bank is considered to operate only in domestic segment. The Bank has made improvements to the internal transfer pricing methodology aligning to matched maturities for better presentation of the segment information effective from April 01, 2025. Correspondingly the segment information for previous quarters / year have been regrouped / reclassified to conform to current quarter's presentation. This change in segment information does not impact the segment identification, overall Revenue, Results, Assets, Liabilities and Capital Employed of the Bank for the quarter ended June 30, 2025, or for the previous quarters / year.