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 Consolidated
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


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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 57836600000 57836600000
Income on investments 11334200000 11334200000
Interest on balances with reserve bank of India and other inter bank funds 1506300000 1506300000
Others 831300000 831300000
Total interest earned 71508400000 71508400000
2 Other income 11644900000 11644900000
3 Total income 83153300000 83153300000
Expenses
4 Interest expenses 45396200000 45396200000
5 Operating expenses
(i) Employees cost 9102800000 9102800000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 11583900000 11583900000
Total other operating Expenses 11583900000 11583900000
Total Operating Expenses 20686700000 20686700000
6 Total expenditure excluding provisions and contingencies 66082900000 66082900000
7 Operating profit before provision and contingencies 17070400000 17070400000
8 Provisions other than tax and contingencies 4372100000 4372100000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 12698300000 12698300000
11 Provision for Tax 3230600000 3230600000
12 Net profit (loss) from ordinary activities after tax 9467700000 9467700000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 9467700000 9467700000
15 Share of profit (loss) of associates 38200000 38200000
16 Profit (loss) of minority interest 322700000 322700000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 9183200000 9183200000
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 3.74 3.74
Diluted earnings per share before extraordinary items 3.7 3.7
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.74 3.74
Diluted earnings per share after extraordinary items 3.7 3.7
(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 Consolidated 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 group 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 of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements Regulations, 2015, as amended and the guidelines issued by the RBI. 3.The Consolidated Financial Results of the Group comprise the financial results of The Federal Bank Limited and its subsidiaries viz. Fedbank Financial Services Limited & Federal Operations and Services Limited and its associate Ageas Federal Life Insurance Company Limited. 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. 4.There has been no material change in the significant accounting policies applied in the preparation of these financial results with those followed in the annual financial statements for the year ended March 31, 2025. 5.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, recoveries from advances written off, etc. ......


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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 19471700000 19471700000
2 Corporate/Wholesale Banking 30848400000 30848400000
3 Retail Banking - Digital Banking 8361600000 8361600000
4 Retail Banking - Other Retail Banking 73361800000 73361800000
5 Other Banking operations 966200000 966200000
Total Segment Revenue 133009700000 133009700000
Less: Inter segment revenue 49884200000
Income from operations 83125500000 83125500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 3971900000 3971900000
2 Corporate/Wholesale Banking 4855600000 4855600000
3 Retail Banking - Digital Banking 272100000 272100000
4 Retail Banking - Other Retail Banking 2741800000 2741800000
5 Other Banking operations 829100000 829100000
Total Profit before tax 12670500000 12670500000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income -27800000
Profit before tax 12698300000 12698300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 989816800000 989816800000
2 Corporate/Wholesale Banking 1194891400000 1194891400000
3 Retail Banking - Digital Banking 77988600000 77988600000
4 Retail Banking - Other Retail Banking 1348742000000 1348742000000
5 Other Banking operations 520900000 520900000
6 Treasury 989816800000 989816800000
7 Corporate/Wholesale Banking 1194891400000 1194891400000
8 Retail Banking - Digital Banking 77988600000 77988600000
9 Retail Banking - Other Retail Banking 1348742000000 1348742000000
10 Other Banking operations 520900000 520900000
Total Segment Assets 3611959700000 3611959700000
Un-allocable Assets 32983000000 32983000000
Net Segment Assets 3644942700000 3644942700000
4 Segment Liabilities
Segment Liabilities
1 Treasury 342614300000 342614300000
2 Corporate/Wholesale Banking 398072800000 398072800000
3 Retail Banking - Digital Banking 201684400000 201684400000
4 Retail Banking - Other Retail Banking 2322987400000 2322987400000
5 Other Banking operations 19600000 19600000
6 Treasury 342614300000 342614300000
7 Corporate/Wholesale Banking 398072800000 398072800000
8 Retail Banking - Digital Banking 201684400000 201684400000
9 Retail Banking - Other Retail Banking 2322987400000 2322987400000
10 Other Banking operations 19600000 19600000
Total Segment Liabilities 3265378500000 3265378500000
Un-allocable Liabilities 14127700000 14127700000
Net Segment Liabilities 3279506200000 3279506200000
Disclosure of notes on segments Contd.... 6.As per extant 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. 7.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. 8.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.