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 Consolidated 59183400000.00 11460900000.00 1125500000.00 878900000.00 72648700000.00 9311500000.00 81960200000.00 45698200000.00 8959100000.00 10660800000.00 19619900000.00 65318100000.00 16642100000.00 3873600000.00 0.00 12768500000.00 3281500000.00 9487000000.00 0.00 9487000000.00 26100000.00 71600000.00 9441500000.00 4909000000.00 2.00 0.00 0.1378 0.00 3.85 3.81 3.85 3.81 45533100000.00 11311700000.00 0.0195 0.0049 0.0029 1. The above Consolidated 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 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 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. 4. There has been no material change in the accounting policies applied in the preparation of these financial results with those followed in the annual financial statements for the year ended March 31, 2024 except as stated in Note 7 below. 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. 2024-04-01 2024-12-31 Unaudited Consolidated 170048300000.00 33881700000.00 3231600000.00 2819700000.00 209981300000.00 28768300000.00 238749600000.00 131748000000.00 26324300000.00 31571100000.00 57895400000.00 189643400000.00 49106200000.00 7563800000.00 0.00 41542400000.00 10610600000.00 30931800000.00 0.00 30931800000.00 203600000.00 456300000.00 30679100000.00 4909000000.00 2.00 0.00 0.1378 0.00 12.53 12.40 12.53 12.40 45533100000.00 11311700000.00 0.0195 0.0049 0.0093 Other Operating Expenses 10660800000.00 Other Operating Expenses 31571100000.00 Corporate/Wholesale Banking 21390600000.00 Other Banking operations 797100000.00 Retail Banking - Digital Banking 4866800000.00 Retail Banking - Other Retail Banking 43786800000.00 Treasury 11099500000.00 Corporate/Wholesale Banking 62484700000.00 Other Banking operations 2365400000.00 Retail Banking - Digital Banking 13696700000.00 Retail Banking - Other Retail Banking 126066900000.00 Treasury 34099800000.00 81940800000.00 238713500000.00 0.00 0.00 81940800000.00 238713500000.00 Corporate/Wholesale Banking 4616700000.00 Other Banking operations 639900000.00 Retail Banking - Digital Banking -1157600000.00 Retail Banking - Other Retail Banking 7102300000.00 Treasury 1547800000.00 Corporate/Wholesale Banking 12377500000.00 Other Banking operations 1637600000.00 Retail Banking - Digital Banking -754600000.00 Retail Banking - Other Retail Banking 21671100000.00 Treasury 6574800000.00 12749100000.00 41506400000.00 0.00 0.00 -19400000.00 -36000000.00 12768500000.00 41542400000.00 Corporate/Wholesale Banking 1201984000000.00 Other Banking operations 229100000.00 Retail Banking - Digital Banking 70562000000.00 Retail Banking - Other Retail Banking 1408388400000.00 Treasury 760153300000.00 3441316800000.00 65479400000.00 65479400000.00 3506796200000.00 Corporate/Wholesale Banking 386177700000.00 Other Banking operations 14000000.00 Retail Banking - Digital Banking 178931000000.00 Retail Banking - Other Retail Banking 2132691600000.00 Treasury 431918400000.00 3129732700000.00 34273400000.00 34273400000.00 3164006100000.00 Continuation Financial Results Notes: 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. During the quarter ended June 30, 2024, the Group 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 group's reserves increased by Rs. 34,171.80 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. 8. 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. 9. 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.