5004692025-07-012025-09-305004692025-09-305004692025-03-315004692025-04-012025-09-305004692025-07-012025-09-30in-capmkt:OtherOperatingExpenses1Member5004692025-04-012025-09-30in-capmkt:OtherOperatingExpenses1Member5004692025-07-012025-09-30in-capmkt:ReportableSegments1Member5004692025-07-012025-09-30in-capmkt:ReportableSegments2Member5004692025-07-012025-09-30in-capmkt:ReportableSegments3Member5004692025-07-012025-09-30in-capmkt:ReportableSegments4Member5004692025-07-012025-09-30in-capmkt:ReportableSegments5Member5004692025-04-012025-09-30in-capmkt:ReportableSegments1Member5004692025-04-012025-09-30in-capmkt:ReportableSegments2Member5004692025-04-012025-09-30in-capmkt:ReportableSegments3Member5004692025-04-012025-09-30in-capmkt:ReportableSegments4Member5004692025-04-012025-09-30in-capmkt:ReportableSegments5Member5004692025-07-012025-09-30in-capmkt:ReportableSegments1Member5004692025-07-012025-09-30in-capmkt:ReportableSegments2Member5004692025-07-012025-09-30in-capmkt:ReportableSegments3Member5004692025-07-012025-09-30in-capmkt:ReportableSegments4Member5004692025-07-012025-09-30in-capmkt:ReportableSegments5Member5004692025-04-012025-09-30in-capmkt:ReportableSegments1Member5004692025-04-012025-09-30in-capmkt:ReportableSegments2Member5004692025-04-012025-09-30in-capmkt:ReportableSegments3Member5004692025-04-012025-09-30in-capmkt:ReportableSegments4Member5004692025-04-012025-09-30in-capmkt:ReportableSegments5Member5004692025-07-012025-09-30in-capmkt:ReportableSegments1Member5004692025-09-30in-capmkt:ReportableSegments1Member5004692025-07-012025-09-30in-capmkt:ReportableSegments2Member5004692025-09-30in-capmkt:ReportableSegments2Member5004692025-07-012025-09-30in-capmkt:ReportableSegments3Member5004692025-09-30in-capmkt:ReportableSegments3Member5004692025-07-012025-09-30in-capmkt:ReportableSegments4Member5004692025-09-30in-capmkt:ReportableSegments4Member5004692025-07-012025-09-30in-capmkt:ReportableSegments5Member5004692025-09-30in-capmkt:ReportableSegments5Member5004692025-07-012025-09-30in-capmkt:ReportableSegments1Member5004692025-09-30in-capmkt:ReportableSegments1Member5004692025-07-012025-09-30in-capmkt:ReportableSegments2Member5004692025-09-30in-capmkt:ReportableSegments2Member5004692025-07-012025-09-30in-capmkt:ReportableSegments3Member5004692025-09-30in-capmkt:ReportableSegments3Member5004692025-07-012025-09-30in-capmkt:ReportableSegments4Member5004692025-09-30in-capmkt:ReportableSegments4Member5004692025-07-012025-09-30in-capmkt:ReportableSegments5Member5004692025-09-30in-capmkt:ReportableSegments5Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares500469FEDERALBNKNOTLISTEDINE171A01029The Federal Bank LimitedEquity2025-04-012026-03-312025-10-182025-10-04INRLakhsQuarterlySecond quarterMulti segment2025-10-1811:05:002025-10-1811:30:00trueCash Flow IndirectNot applicable2025-07-012025-09-30UnauditedConsolidated585485000001167360000011090000008307000007216180000011052800000832146000004429470000092975000001192250000021220000000655147000001769990000039744000000137255000003531200000101943000000101943000003210000030700000099194000004918800000200.143704.0444.04445320100000116516000000.01830.00480.00271. The above Consolidated Unaudited Financial Results for the quarter and half year ended September 30, 2025 were approved by the Board of Directors at its meeting held on October 18, 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> <BR> 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. <BR> <BR> 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. <BR> <BR> 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> <BR> CONTD...2025-04-012025-09-30UnauditedConsolidated1163851000002300780000026153000001662000000143670200000226977000001663679000008969090000018400300000235064000004190670000013159760000034770300000834650000002642380000067618000001966200000001966200000070300000629700000191026000004918800000200.143707.777.77.777.745320100000116516000000.01830.00480.0052Other operating expenses11922500000Other operating expenses235064000004918800000367576500000288861660000026930480000014524130000036756580000001537268000008000680000070296060000025486801000001507550000017520820000036756580000004. There has been no material change in the significant accounting policies applied in the preparation of these financial results with those followed in the annual financial statements for the year ended March 31, 2025. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 7. Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification. <BR> <BR> <BR> Statement of Assets and Liabilities of the group as at September 30, 2025 is given herewith.Treasury16154400000Corporate/Wholesale Banking30178700000Retail Banking - Digital Banking8455400000Retail Banking - Other Retail Banking75084400000Other Banking operations1316500000Treasury35626100000Corporate/Wholesale Banking61027100000Retail Banking - Digital Banking16817000000Retail Banking - Other Retail Banking148446200000Other Banking operations2282700000131189400000264199100000480323000009791650000083157100000166282600000Treasury2869300000Corporate/Wholesale Banking6423000000Retail Banking - Digital Banking254000000Retail Banking - Other Retail Banking2957300000Other Banking operations1164400000Treasury6841200000Corporate/Wholesale Banking11278600000Retail Banking - Digital Banking526100000Retail Banking - Other Retail Banking5699100000Other Banking operations1993500000136680000002633850000000-57500000-853000001372550000026423800000Treasury985643500000Corporate/Wholesale Banking1203978400000Retail Banking - Digital Banking81542100000Retail Banking - Other Retail Banking1373685500000Other Banking operations4277000003645277200000303808000003675658000000Treasury308162800000Corporate/Wholesale Banking378451300000Retail Banking - Digital Banking213606400000Retail Banking - Other Retail Banking2388135100000Other Banking operations203000003288375900000147868000003303162700000For 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 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 half year ended September 30, 2025, or for the previous periods.2642380000001136700000000103400000-100000-55940000015970000008403000000-106504400000-35246000005378040000058678700000836130000010791400000116317000003805550000000079147000000301408000000030140800000000523367000000000900000135030000000000000000-5368610000000-5368610000027680000000056653500000295040000000673700000-5865340000000-58653400000-82198700000-39000000-82237700000315971300000233733600000