| 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 | 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 | 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 |
| 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 |
| Not applicable | |
| 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 | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 5,47,407.00 | 16,18,036.00 | |
| Income on investments | 1,21,283.00 | 3,51,586.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 9,372.00 | 35,525.00 | |
| Others | 8,688.00 | 24,482.00 | |
| Total interest earned | 6,86,750.00 | 20,29,629.00 | |
| 2 | Other income | 1,10,029.00 | 3,29,544.00 |
| 3 | Total income | 7,96,779.00 | 23,59,173.00 |
| Expenses | |||
| 4 | Interest expenses | 4,21,477.00 | 12,81,149.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 84,865.00 | 2,44,970.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 1,17,504.00 | 3,40,075.00 |
| Total other operating Expenses | 1,17,504.00 | 3,40,075.00 | |
| Total Operating Expenses | 2,02,369.00 | 5,85,045.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 6,23,846.00 | 18,66,194.00 |
| 7 | Operating profit before provision and contingencies | 1,72,933.00 | 4,92,979.00 |
| 8 | Provisions other than tax and contingencies | 33,238.00 | 1,09,563.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 1,39,695.00 | 3,83,416.00 |
| 11 | Provision for Tax | 35,574.00 | 97,594.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 1,04,121.00 | 2,85,822.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 1,04,121.00 | 2,85,822.00 |
| 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 | 1,04,121.00 | 2,85,822.00 |
| 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 | 4.23 | 11.63 | |
| Diluted earnings per share before extraordinary items | 4.19 | 11.51 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 4.23 | 11.63 | |
| Diluted earnings per share after extraordinary items | 4.19 | 11.51 | |
| (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) | |
| 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 Standalone 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 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 / fixed assets, 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 and nine months ended December 31, 2025, the Bank has allotted 26,76,910 and 62,47,560 equity shares of Rs. 2 each respectively, pursuant to the exercise of stock options by employees. Contd..... |
|---|
| 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 | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury | 1,64,385.00 | 5,20,660.00 | ||||
| 2 | Corporate/Wholesale Banking | 3,07,410.00 | 9,21,711.00 | ||||
| 3 | Retail Banking - Digital Banking | 83,139.00 | 2,51,309.00 | ||||
| 4 | Retail Banking - Other Retail Banking | 7,18,860.00 | 21,01,537.00 | ||||
| 5 | Other Banking operations | 10,649.00 | 29,932.00 | ||||
| Total Segment Revenue | 12,84,443.00 | 38,25,149.00 | |||||
| Less: Inter segment revenue | 4,90,967.00 | 14,70,132.00 | |||||
| Income from operations | 7,93,476.00 | 23,55,017.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury | 34,065.00 | 1,01,326.00 | ||||
| 2 | Corporate/Wholesale Banking | 59,545.00 | 1,72,329.00 | ||||
| 3 | Retail Banking - Digital Banking | 2,243.00 | 7,504.00 | ||||
| 4 | Retail Banking - Other Retail Banking | 31,488.00 | 72,659.00 | ||||
| 5 | Other Banking operations | 9,051.00 | 25,442.00 | ||||
| Total Profit before tax | 1,36,392.00 | 3,79,260.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | (3,303.00) | (4,156.00) | |||||
| Profit before tax | 1,39,695.00 | 3,83,416.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury | 97,88,739.00 | 97,88,739.00 | ||||
| 2 | Corporate/Wholesale Banking | 1,28,05,731.00 | 1,28,05,731.00 | ||||
| 3 | Retail Banking - Digital Banking | 7,88,136.00 | 7,88,136.00 | ||||
| 4 | Retail Banking - Other Retail Banking | 1,29,41,916.00 | 1,29,41,916.00 | ||||
| 5 | Other Banking operations | 7,262.00 | 7,262.00 | ||||
| Total Segment Assets | 3,63,31,784.00 | 3,63,31,784.00 | |||||
| Un-allocable Assets | 3,37,293.00 | 3,37,293.00 | |||||
| Net Segment Assets | 3,66,69,077.00 | 3,66,69,077.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury | 30,16,042.00 | 30,16,042.00 | ||||
| 2 | Corporate/Wholesale Banking | 40,03,435.00 | 40,03,435.00 | ||||
| 3 | Retail Banking - Digital Banking | 21,83,288.00 | 21,83,288.00 | ||||
| 4 | Retail Banking - Other Retail Banking | 2,36,73,424.00 | 2,36,73,424.00 | ||||
| 5 | Other Banking operations | 72.00 | 72.00 | ||||
| Total Segment Liabilities | 3,28,76,261.00 | 3,28,76,261.00 | |||||
| Un-allocable Liabilities | 1,84,500.00 | 1,84,500.00 | |||||
| Net Segment Liabilities | 3,30,60,761.00 | 3,30,60,761.00 | |||||
| Disclosure of notes on segments | Contd... 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.federal.bank.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. 8.On November 21, 2025, the Government of India notified the four Labour Codes - the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 - consolidating 29 existing labour laws. The Bank has assessed impact of these changes to the extent applicable and has made an incremental provision of Rs. 208.00 lakhs during the quarter ended December 31, 2025, towards the estimated impact of these changes 9.Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, for the loans transferred / acquired during the nine months ended December 31, 2025 are published in the financial results. 10.Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, on projects under implementation, for the quarter ended December 31, 2025 are published in the financial results. 11.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. 12. 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. 13.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. | ||||||