FEDERALBNK2022-01-012022-03-31in-bse-fin:OneOperatingExpenses01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourOperatingExpenses01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentRevenue01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentRevenue02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentRevenue03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentRevenue04Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentRevenue01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentRevenue02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentRevenue03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentRevenue04Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentResults01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentResults02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentResults03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentResults04Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentResults01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentResults02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentResults03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:FourReportableSegmentResults04Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentAssets01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentAssets02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentAssets03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentAssets04Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDERALBNK2022-03-31in-bse-fin:OneReportableSegmentLiabilities01Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDERALBNK2022-03-31in-bse-fin:OneReportableSegmentLiabilities02Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDERALBNK2022-03-31in-bse-fin:OneReportableSegmentLiabilities03Member FEDERALBNK2022-01-012022-03-31in-bse-fin:OneReportableSegmentLiabilities04Member FEDERALBNK2022-03-31in-bse-fin:OneReportableSegmentLiabilities04Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares FEDERALBNK The Federal Bank Limited 2021-04-01 2022-03-31 INR Yearly true Cash Flow Indirect Declaration of unmodified opinion 2022-03-31 Audited Consolidated 29615000000.00 5882100000.00 561400000.00 804500000.00 36863000000.00 4842500000.00 41705500000.00 20299500000.00 6895400000.00 5893000000.00 12788400000.00 33087900000.00 8617600000.00 839400000.00 0.00 7778200000.00 1960600000.00 5817600000.00 0.00 5817600000.00 171500000.00 113700000.00 5875400000.00 4205100000.00 2.00 0.00 0.1477 0.00 2.79 2.77 2.79 2.77 42565300000.00 14797700000.00 0.0278 0.0098 0.0027 The above Financial Results for the quarter and year ended were reviewed by the Audit Committee and subsequently approved by the Board of Directors at its meeting held on May 06, 2022 and were subjected to “Audit” by the Statutory Central Auditors and an unqualified audit report has been issued. There has been no material change in the accounting policies adopted during the quarter and year ended March 31, 2022 as compared to those followed for the year ended March 31, 2021 except. The bank has raised ` 70,000.00 Lakhs Tier II capital on January 20, 2022, by way of issuance of unsecured Basel III compliant Tier II Bonds on private placement basis. 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. In accordance with RBI Circular on Basel III Capital Regulations, 'Prudential Guidelines on Capital Adequacy and Liquidity Standards - Amendments' and 'Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Final Guidelines', Banks are required to make Pillar 3 disclosure requirements including Leverage Ratio disclosure requirements that are to be made along with the publication of Financial Results. 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 Statutory Central Auditors of the Bank. 2022-03-31 Audited Consolidated 115643100000.00 23164900000.00 2202700000.00 2804600000.00 143815300000.00 21209400000.00 165024700000.00 79593800000.00 25116600000.00 20804900000.00 45921500000.00 125515300000.00 39509400000.00 13046600000.00 0.00 26462800000.00 6808800000.00 19654000000.00 0.00 19654000000.00 310300000.00 266400000.00 19697900000.00 4205100000.00 2.00 188300000000.00 0.00 0.1477 0.00 9.52 9.44 9.52 9.44 42565300000.00 14797700000.00 0.0278 0.0098 0.0091 Other Operating Expenses 5893000000.00 Other Operating Expenses 20804900000.00 Continuation of Notes to Financial Results During the quarter ended September 30, 2021 , the Bank had issued 104,846,394 equity shares of Rs 2 each for cash pursuant to a preferential allotment as per the relevant provisions of SEBI (Issue of Capital and Disclosure Requirements) Regulations at Rs 87.39 per share aggregating to Rs 91,625.26 Lakhs (including share premium). This resulted in an increase of Rs 2,096.93 Lakhs in Share Capital and Rs 89,476.54 Lakhs (Net of share issue expenses) in Share premium account. The Board of Directors have recommended a dividend of 90% i.e. Rs 1.80/- per Equity Share on face value of Rs 2/- each for the year 2021-22 (Previous Year Rs 0.70/- per Equity Share) subject to the approval of the members at the ensuing Annual General Meeting. In terms of Accounting Standard (AS) 4 Contingencies and Events occurring after the Balance sheet date the Bank has not appropriated proposed dividend aggregating to Rs 37,845.79 Lakhs from the Profit and loss account for the year ended March 31, 2022. However the effect of the proposed dividend has been reckoned in determining capital funds in the computation of Capital adequacy ratio as on March 31, 2022. As permitted vide letter dated October 4, 2021 issued by RBI, during the quarter ended September 30, 2021 the Bank had opted to amortize the liability on account of revision in family pension for employees covered under the 11th Bipartite Settlement and Joint Note dated November 11, 2020, over a period not exceeding five years beginning with the financial year ended March 31, 2022, subject to 1/5 of the liability being expensed every financial year. Accordingly, during the nine months ended December 31, 2021, the Bank had charged Rs 2,364.21 Lakhs to the Profit and Loss account and the balance unamortised expenditure amounting to Rs 15,367.34 Lakhs was carried forward. During the quarter ended March 31, 2022, the bank has opted to charge the entire balance unamortised family pension expenditure of Rs 15,367.34 lakhs to the Profit and Loss Account. Corporate/Wholesale Banking 10265900000.00 Other Banking operations 488300000.00 Retail Banking 25874200000.00 Treasury 4910200000.00 Corporate/Wholesale Banking 42230700000.00 Other Banking operations 1483700000.00 Retail Banking 97815500000.00 Treasury 23132700000.00 41538600000.00 164662600000.00 0.00 0.00 41538600000.00 164662600000.00 Corporate/Wholesale Banking 1639700000.00 Other Banking operations 358500000.00 Retail Banking 5041800000.00 Treasury 571300000.00 Corporate/Wholesale Banking 5411400000.00 Other Banking operations 1073800000.00 Retail Banking 13343300000.00 Treasury 6272200000.00 7611300000.00 26100700000.00 0.00 0.00 -166900000.00 -362100000.00 7778200000.00 26462800000.00 Corporate/Wholesale Banking 780846500000.00 Other Banking operations 40100000.00 Retail Banking 937825500000.00 Treasury 476376400000.00 2195088500000.00 67321900000.00 67321900000.00 2262410400000.00 Corporate/Wholesale Banking 187736600000.00 Other Banking operations 36400000.00 Retail Banking 1668410800000.00 Treasury 185958400000.00 2042142200000.00 24659700000.00 24659700000.00 2066801900000.00 For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations in compliance with the RBI guidelines.The Business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting, the bank is considered to operate only in domestic segment. 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 associates viz. Ageas Federal Life Insurance Company Limited & Equirus Capital Private Limited. The working results have been arrived at after considering provision for standard assets, including requirements for exposures to entities with Unhedged Foreign Currency Exposures, non-performing assets (NPAs), provision for non-performing investments, income-tax and other usual and necessary provisions. 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 on sale of investments (net), profit / loss on revaluation of of investments, dividend received from subsidiaries / associates, recoveries from advances written off etc. On account of uncertainties prevailing due to COVID pandemic across the world and in India, the extent to which the same will impact the Bank’s operations and financial position in future will depend on various aspects including actions taken to mitigate its impact and other regulatory measures. The Bank’s capital and liquidity position is strong and would continue to be the focus area for the Bank during this period. The figures of the last quarter are the balancing figures between the audited figures in respect of the full financial year and the published year to date figures upto the end of third quarter of the respective financial year, which was subjected to limited review. Previous period's / year's figures have been regrouped / reclassified, where necessary to conform to current period's classification and also the amounts / ratios for the previous period / year have been regrouped / reclassified pursuant to the requirement of Master Direction on financial results - Presentation and disclosure issued by Reserve Bank of India, as amended and wherever considered necessary. 0.00 3887500000.00 0.00 0.00 0.00 5700000.00 0.00 43900000.00 -53300000.00 0.00 3883800000.00 0.00 -150985900000.00 -65958600000.00 94914200000.00 9826100000.00 13053900000.00 -99150300000.00 -95266500000.00 -68803700000.00 0.00 0.00 0.00 8932800000.00 0.00 -77736500000.00 0.00 0.00 -77736500000.00 0.00 0.00 11959200000.00 0.00 0.00 0.00 0.00 0.00 73400000.00 2955200000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9077400000.00 0.00 0.00 9077400000.00 10155900000.00 0.00 7048000000.00 66119900000.00 0.00 1397400000.00 0.00 0.00 0.00 81926400000.00 0.00 0.00 81926400000.00 13267300000.00 -63500000.00 13203800000.00 198157300000.00 211361100000.00