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 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 16-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 03-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third 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 Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 16-01-2026   11:45:00
End date and time of board meeting 16-01-2026   12:05:00
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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
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 5,96,439.00 17,60,290.00
Income on investments 1,21,248.00 3,51,326.00
Interest on balances with reserve bank of India and other inter bank funds 9,372.00 35,525.00
Others 8,988.00 25,608.00
Total interest earned 7,36,047.00 21,72,749.00
2 Other income 1,14,269.00 3,41,246.00
3 Total income 8,50,316.00 25,13,995.00
Expenses
4 Interest expenses 4,40,081.00 13,36,990.00
5 Operating expenses
(i) Employees cost 98,518.00 2,82,521.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 1,23,522.00 3,58,586.00
Total other operating Expenses 1,23,522.00 3,58,586.00
Total Operating Expenses 2,22,040.00 6,41,107.00
6 Total expenditure excluding provisions and contingencies 6,62,121.00 19,78,097.00
7 Operating profit before provision and contingencies 1,88,195.00 5,35,898.00
8 Provisions other than tax and contingencies 37,447.00 1,20,912.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 1,50,748.00 4,14,986.00
11 Provision for Tax 38,355.00 1,05,973.00
12 Net profit (loss) from ordinary activities after tax 1,12,393.00 3,09,013.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 1,12,393.00 3,09,013.00
15 Share of profit (loss) of associates 146.00 849.00
16 Profit (loss) of minority interest 3,132.00 9,429.00
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 1,09,407.00 3,00,433.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 49,242.00 49,242.00
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 13.8900 13.8900
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.45 12.22
Diluted earnings per share before extraordinary items 4.4 12.1
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.45 12.22
Diluted earnings per share after extraordinary items 4.4 12.1
(iv) NPA Ratios
Amount of gross non-performing assets 4,44,686.00 4,44,686.00
Amount of net non-performing assets 1,06,804.00 1,06,804.00
% of gross NPAs 1.7200 1.7200
% of net NPAs 0.4200 0.4200
Return on assets 0.2900 0.8200
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) The Board Meeting commenced at 11:45 a.m. on January 16, 2026, and the Financial Results were approved by the Board at 12:05 pm. However the meeting continued for consideration of other agenda items and was concluded at 01:18 pm on January 16, 2026. ..... 1. The above Consolidated Unaudited Financial Results for the quarter and nine months ended December 31, 2025 were approved by the Board of Directors at its meeting held on January 16, 2026. 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 / fixed assets, profit / loss on revaluation of investments, recoveries from advances written off, etc. Contd..


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
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 1,65,077.00 5,21,338.00
2 Corporate/Wholesale Banking 3,05,627.00 9,15,898.00
3 Retail Banking - Digital Banking 83,139.00 2,51,309.00
4 Retail Banking - Other Retail Banking 7,72,533.00 22,56,995.00
5 Other Banking operations 11,597.00 34,424.00
Total Segment Revenue 13,37,973.00 39,79,964.00
Less: Inter segment revenue 4,90,967.00 14,70,132.00
Income from operations 8,47,006.00 25,09,832.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 35,341.00 1,03,753.00
2 Corporate/Wholesale Banking 59,505.00 1,72,291.00
3 Retail Banking - Digital Banking 2,243.00 7,504.00
4 Retail Banking - Other Retail Banking 43,988.00 1,00,979.00
5 Other Banking operations 6,361.00 26,296.00
Total Profit before tax 1,47,438.00 4,10,823.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income (3,310.00) (4,163.00)
Profit before tax 1,50,748.00 4,14,986.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 98,31,663.00 98,31,663.00
2 Corporate/Wholesale Banking 1,27,08,731.00 1,27,08,731.00
3 Retail Banking - Digital Banking 7,88,136.00 7,88,136.00
4 Retail Banking - Other Retail Banking 1,42,50,156.00 1,42,50,156.00
5 Other Banking operations 7,681.00 7,681.00
Total Segment Assets 3,75,86,367.00 3,75,86,367.00
Un-allocable Assets 3,28,916.00 3,28,916.00
Net Segment Assets 3,79,15,283.00 3,79,15,283.00
4 Segment Liabilities
Segment Liabilities
1 Treasury 31,13,135.00 31,13,135.00
2 Corporate/Wholesale Banking 39,97,713.00 39,97,713.00
3 Retail Banking - Digital Banking 21,83,288.00 21,83,288.00
4 Retail Banking - Other Retail Banking 2,46,08,452.00 2,46,08,452.00
5 Other Banking operations 212.00 212.00
Total Segment Liabilities 3,39,02,800.00 3,39,02,800.00
Un-allocable Liabilities 1,76,123.00 1,76,123.00
Net Segment Liabilities 3,40,78,923.00 3,40,78,923.00
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.federal.bank.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. 7. During the quarter ended December 31, 2025, the Bank has acquired 3,20,00,000 equity shares of Ageas Federal Life Insurance Company Limited (associate company) from Ageas Insurance International NV, for a consideration of Rs. 30.45 per share. Total consideration paid was Rs. 9,744.00 lakhs, pursuant to this acquisition, the Bank now holds 30% shareholding in Ageas Federal Life Insurance Company Limited, on a fully diluted basis. 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 periods have been regrouped / reclassified to conform to current period'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 and nine months ended December 31, 2025, or for the previous periods.