5004692025-04-012025-06-305004692025-06-305004692025-04-012025-06-30in-capmkt:OtherOperatingExpenses1Member5004692025-04-012025-06-30in-capmkt:ReportableSegments1Member5004692025-04-012025-06-30in-capmkt:ReportableSegments2Member5004692025-04-012025-06-30in-capmkt:ReportableSegments3Member5004692025-04-012025-06-30in-capmkt:ReportableSegments4Member5004692025-04-012025-06-30in-capmkt:ReportableSegments5Member5004692025-04-012025-06-30in-capmkt:ReportableSegments1Member5004692025-04-012025-06-30in-capmkt:ReportableSegments2Member5004692025-04-012025-06-30in-capmkt:ReportableSegments3Member5004692025-04-012025-06-30in-capmkt:ReportableSegments4Member5004692025-04-012025-06-30in-capmkt:ReportableSegments5Member5004692025-04-012025-06-30in-capmkt:ReportableSegments1Member5004692025-06-30in-capmkt:ReportableSegments1Member5004692025-04-012025-06-30in-capmkt:ReportableSegments2Member5004692025-06-30in-capmkt:ReportableSegments2Member5004692025-04-012025-06-30in-capmkt:ReportableSegments3Member5004692025-06-30in-capmkt:ReportableSegments3Member5004692025-04-012025-06-30in-capmkt:ReportableSegments4Member5004692025-06-30in-capmkt:ReportableSegments4Member5004692025-04-012025-06-30in-capmkt:ReportableSegments5Member5004692025-06-30in-capmkt:ReportableSegments5Member5004692025-04-012025-06-30in-capmkt:ReportableSegments1Member5004692025-06-30in-capmkt:ReportableSegments1Member5004692025-04-012025-06-30in-capmkt:ReportableSegments2Member5004692025-06-30in-capmkt:ReportableSegments2Member5004692025-04-012025-06-30in-capmkt:ReportableSegments3Member5004692025-06-30in-capmkt:ReportableSegments3Member5004692025-04-012025-06-30in-capmkt:ReportableSegments4Member5004692025-06-30in-capmkt:ReportableSegments4Member5004692025-04-012025-06-30in-capmkt:ReportableSegments5Member5004692025-06-30in-capmkt:ReportableSegments5Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares500469FEDERALBNKNOTLISTEDINE171A01029The Federal Bank LimitedEquity2025-04-012026-03-312025-08-022025-07-18INRLakhsQuarterlyFirst quarterMulti segment2025-08-0215:07:002025-08-0215:30:00Not applicablefalsefalseThere was no default on loans and debt securities during the period under consideration.2025-04-012025-06-30UnauditedStandalone53228900000113462000001506300000784900000668663000001112980000077996100000434980000007976100000109591000001893520000062433200000155629000004001600000011561300000294380000086175000000861750000086175000004914200000200.146903.513.473.513.4746696600000115764000000.01910.00480.00251.The above Standalone Unaudited Financial Results for the quarter ended June 30, 2025 were approved by the Board of Directors at its meeting held on August 02, 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. <BR> 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. <BR> 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. <BR> 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 / associate, recoveries from advances written off, etc. <BR> 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. <BR> 6. During the quarter ended June 30, 2025, the Bank has allotted 12,52,627 equity shares of Rs. 2 each, pursuant to the exercise of stock options by employees. <BR> 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.federalbank.co.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. <BR> <BR> <BR> ...........Other operating expenses10959100000Treasury19385400000Corporate/Wholesale Banking31060700000Retail Banking- Digital Banking8361600000Retail Banking- Other Retail Banking68315400000Other Banking operations7294000001278525000004988420000077968300000Treasury3827700000Corporate/Wholesale Banking4859700000Retail Banking- Digital Banking272100000Retail Banking- Other Retail Banking1954200000Other Banking operations61980000011533500000-2780000011561300000Treasury990328900000Corporate/Wholesale Banking1205064900000Retail Banking- Digital Banking77988600000Retail Banking- Other Retail Banking1225353600000Other Banking operations4646000003499200600000337760000003532976600000Treasury337912000000Corporate/Wholesale Banking398773600000Retail Banking- Digital Banking201684400000Retail Banking- Other Retail Banking2235485300000Other Banking operations18000003173857100000149207000003188777800000Contd... <BR> 8. Disclosures as per 'Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021' dated September 24, 2021, and as amended thereafter, for the loans transferred / acquired during the quarter ended June 30, 2025 are given in the results published. <BR> i) During the quarter ended lune 30, 2025, the Bank has neither acquired nor transferred any loans not in default or stressed loans or Special Mention Accounts (SMA). <BR> ii) During the quarter ended June 30, 2025, the Bank has not invested in Security Receipts (SR) issued by an Asset Reconstruction Company (ARC) pursuant to transfer of Non-Performing asset to ARC. Details of the recovery ratings assigned to Security Receipts outstanding as on lune 30,2025 are given below: <BR> <BR> Rati no Recoverv Rating Gross Book Value Provision Held Net Book Value <BR> RR1 100%- 150% 481 .50 481.50 <BR> Total 481.50 481.50 <BR> <BR> 9. 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. <BR> 10. The figures for the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the financial year 2024-25 and the published year to date figures upto December 31, 2024, which were subjected to limited review. <BR> 11. Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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 quarters / year have been regrouped / reclassified to conform to current quarter'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 ended June 30, 2025, or for the previous quarters / year.