FEDERALBNK2024-10-012024-12-31 FEDERALBNK2024-10-012024-12-31 FEDERALBNK2024-10-012024-12-31in-bse-fin:OneOperatingExpenses01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourOperatingExpenses01Member FEDERALBNK2024-12-31 FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentRevenue01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentRevenue02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentRevenue03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentRevenue04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentRevenue05Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentRevenue01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentRevenue02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentRevenue03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentRevenue04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentRevenue05Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentResults01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentResults02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentResults03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentResults04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentResults05Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentResults01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentResults02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentResults03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentResults04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:FourReportableSegmentResults05Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentAssets01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentAssets02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentAssets03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentAssets04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentAssets05Member FEDERALBNK2024-12-31 FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDERALBNK2024-12-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDERALBNK2024-12-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDERALBNK2024-12-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentLiabilities04Member FEDERALBNK2024-12-31in-bse-fin:OneReportableSegmentLiabilities04Member FEDERALBNK2024-10-012024-12-31in-bse-fin:OneReportableSegmentLiabilities05Member FEDERALBNK2024-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 500469 FEDERALBNK NOTLISTED INE171A01029 The Federal Bank Limited Banking Format Equity 2024-04-01 2025-03-31 2025-01-27 2025-01-20 INR Lakhs Third quarter Multi segment 10:30:00 20:15:00 2025-01-27 2025-01-27 Not applicable 2024-10-01 2024-12-31 Unaudited Standalone 54637000000.00 11474200000.00 1125500000.00 850600000.00 68087300000.00 9161700000.00 77249000000.00 43773900000.00 7831600000.00 9948900000.00 17780500000.00 61554400000.00 15694600000.00 2923300000.00 0.00 12771300000.00 3216900000.00 9554400000.00 0.00 9554400000.00 9554400000.00 4909000000.00 2.00 0.00 0.1378 0.00 3.89 3.85 3.89 3.85 45533100000.00 11311700000.00 0.0195 0.0049 0.0029 1. The above Standalone Unaudited Financial Results for the quarter and nine months ended December 31, 2024 were approved by the Board of Directors at its meeting held on January 27, 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 banks, 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, 2024 except as stated in Note 9 below. Any circular / direction issued by 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 / associates, recoveries from advances written off, etc. 5. The Capital Adequacy Ratio is computed on the basis of 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, 2024, the Bank has allotted 2,260,106 and 19,140,853 equity shares of Rs. 2 each respectively, pursuant to the exercise of stock options by employees. 7. 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. 2024-04-01 2024-12-31 Unaudited Standalone 157318000000.00 33914000000.00 3231600000.00 2705300000.00 197168900000.00 27953000000.00 225121900000.00 126263400000.00 22988500000.00 29512700000.00 52501200000.00 178764600000.00 46357300000.00 5949500000.00 0.00 40407800000.00 10191200000.00 30216600000.00 0.00 30216600000.00 30216600000.00 4909000000.00 2.00 0.00 0.1378 0.00 12.35 12.21 12.35 12.21 45533100000.00 11311700000.00 0.0195 0.0049 0.0093 Other Operating Expenses 9948900000.00 Other Operating Expenses 29512700000.00 Corporate/Wholesale Banking 21594900000.00 Other Banking operations 619600000.00 Retail Banking - Digital Banking 4866800000.00 Retail Banking - Other Retail Banking 38853800000.00 Treasury 11294500000.00 Corporate/Wholesale Banking 63116200000.00 Other Banking operations 1818900000.00 Retail Banking - Digital Banking 13696700000.00 Retail Banking - Other Retail Banking 112134000000.00 Treasury 34328400000.00 77229600000.00 225094200000.00 0.00 0.00 77229600000.00 225094200000.00 Corporate/Wholesale Banking 4620900000.00 Other Banking operations 526600000.00 Retail Banking - Digital Banking -1157600000.00 Retail Banking - Other Retail Banking 7077700000.00 Treasury 1684300000.00 Corporate/Wholesale Banking 12416700000.00 Other Banking operations 1546000000.00 Retail Banking - Digital Banking -754600000.00 Retail Banking - Other Retail Banking 20543400000.00 Treasury 6628700000.00 12751900000.00 40380200000.00 0.00 0.00 -19400000.00 -27600000.00 12771300000.00 40407800000.00 Corporate/Wholesale Banking 1211152100000.00 Other Banking operations 0.00 Retail Banking - Digital Banking 70562000000.00 Retail Banking - Other Retail Banking 1290754400000.00 Treasury 760367400000.00 3332835900000.00 66209600000.00 66209600000.00 3399045500000.00 Corporate/Wholesale Banking 386581400000.00 Other Banking operations 0.00 Retail Banking - Digital Banking 178930900000.00 Retail Banking - Other Retail Banking 2048754400000.00 Treasury 426432900000.00 3040699600000.00 35003600000.00 35003600000.00 3075703200000.00 Continuation FR Notes: 8. Disclosures as per 'Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021' dated September 24, 2021 for the loans transferred / acquired during the nine months ended December 31, 2024 are given in the results published. 9. During the quarter ended June 30, 2024, the Bank implemented the RBI Master Direction - Classification, Valuation, and Operation of Investment Portfolio of Commercial Banks (Directions), 2023, dated September 12, 2023. This directive is applicable to banks from April 01, 2024. Consequent to the transition provisions, the Bank's reserves increased by Rs. 33,975.39 lakhs (net of taxes) as on April 01, 2024, on account of revision in the carrying value of investments to the fair value as on such date. The impact of the revised framework for the period subsequent to transition is not ascertainable, making the income and / profit or loss from investments for the quarter and nine months ended December 31, 2024, incomparable with the previous year/periods. 10. During the quarter ended December 31, 2024, the Bank sold 6,150,000 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. 11. During the quarter ended December 31, 2024, as per the revised Board approved policy of the Bank, in addition to the minimum provisioning requirement as prescribed by RBI, for non-performing advances of certain identified schematic advances, the Bank has created an accelerated provision of Rs. 29,162.89 lakhs. 12. 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.