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Federal Bank LimitedEquity2025-04-012026-03-312026-04-292026-04-07INRLakhsQuarterlyFourth quarterMulti segment2026-04-2913:20:002026-04-2913:50:00trueCash Flow IndirectNot applicabletruetrueYesYestruetruetrue2026-03-17https://www.federal.bank.in/codes-policies-disclosuresfalsefalseNot applicable2026-01-012026-03-31AuditedStandalone552959000001254310000010308000005121100000739909000001144950000085440400000422648000007757000000126545000002041150000062676300000227641000007410400000015353700000276270000012591000000012591000000125910000004928600000200.159305.115.055.115.054335290000052925000000.01620.0020.00341. The above Standalone Audited Financial Results for the quarter and year ended March 31, 2026 were approved by the Board of Directors at its meeting held on April 29, 2026. These financial results have been subjected to Audit by the Joint Statutory Auditors of the Bank and an unmodified audit opinion 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 / fixed assets, 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 and year ended March 31, 2026, the Bank has allotted 22,05,731 and 84,53,291 equity shares of Rs. 2 each respectively, pursuant to the exercise of stock options by employees. <BR> 7. As per the 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.federal.bank.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank. <BR> 8. Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, on resolution plan implemented under the Resolution Framework for COVID-19-related Stress are published in the financial results. <BR> 9. Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, for the loans transferred / acquired during the year ended March 31, 2026 are published in the financial results. <BR> 10. The Board of Directors of the Bank have recommended a dividend of 60% i.e. Rs. 1.20/- per equity share on face value of Rs. 2.00/- each for the year 2025-26 (Previous Year Rs.1.20/- per equity share) subject to the approval of the members at the ensuing Annual General Meeting. The effect of the proposed dividend has been reckoned in determining capital funds in the computation of Capital Adequacy Ratio as on March 31, 2026. <BR> Cont…2025-04-012026-03-31AuditedStandalone21709950000047701700000458330000075693000002769538000004440390000032135770000017037970000032254000000466620000007891600000024929570000072062000000183667000000536953000001252210000041173200000041173200000411732000004928600000236658070000000.1593016.7416.5616.7416.564335290000052925000000.01620.0020.0115Other operating expenses12654500000Other operating expenses466620000004928600000382122100000313909390000021159130000013747900000038752149000001556619000001016141000007667621000002645943700000147252000001905079000003875214900000Cont... <BR> 11. Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, on projects under implementation, for the quarter ended March 31, 2026 are published in the financial results. <BR> 12. Disclosure as per 'Reserve Bank of India (Commercial Banks – Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025 and as amended thereafter, on Co-Lending Arrangements (CLAs) on an aggregate basis, for the year ended March 31, 2026 is given below. <BR> 13. During the quarter ended March 31, 2026, the Bank has accounted interest on income tax refund aggregating to Rs. 45,659.75 lakhs pursuant to favourable orders received for various assessment years. Tax expense during the quarter and year ended March 31, 2026, is net of write back of provision no longer required of Rs. 11,451.00 lakhs, pursuant to favourable orders received. <BR> 14. On February 16,2026, the Bank has issued and allotted 27,29,74,043 warrants by way of preferential allotment on a private placement basis to Asia II Topco XIII Pte. Ltd., on receipt of 25% of the warrant price of Rs. 227 per warrant, aggregating to Rs. 1,54,912.77 lakhs. Each warrant carries the right to subscribe to one fully paid up equity share of the Bank having a face value of Rs. 2 per share, upon exercise, by paying the remaining 75% within 18 months of allotment. <BR> 15. During the quarter ended December 31, 2025, the Bank has acquired 3,20,00,000 equity shares of Ageas Federal Life Insurance Company Limited (associate company) from Ageas Insurance International NV, for a consideration of Rs. 30.45 per share. Total consideration paid was Rs. 9,744.00 lakhs. Pursuant to this acquisition, the Bank now holds 30% shareholding in Ageas Federal Life Insurance Company Limited, on a fully diluted basis. <BR> 16. During the quarter ended March 31, 2026, the Bank has made a floating provision of Rs. 45,596.00 lakhs for Non-Performing Assets. <BR> 17. The figures of the last quarter of the respective financial years 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 were subjected to limited review. <BR> 18. Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification.Other Liabilities and Provisions137479000000Other Assets190507900000Treasury14820300000Corporate/Wholesale Banking30828100000Retail Banking - Digital Banking8486500000Retail Banking - Other Retail Banking73657600000Other Banking operations1331800000Unallocated4671200000Treasury66886300000Corporate/Wholesale Banking122999200000Retail Banking - Digital Banking33617400000Retail Banking - Other Retail Banking283811300000Other Banking operations4325000000Unallocated50868000001337955000005167260000004835510000019536830000085440400000321357700000Treasury1423100000Corporate/Wholesale Banking6609200000Retail Banking - Digital Banking259200000Retail Banking - Other Retail Banking5818600000Other Banking operations1132000000Unallocated0Treasury11555700000Corporate/Wholesale Banking23842100000Retail Banking - Digital Banking1009600000Retail Banking - Other Retail Banking13084500000Other Banking operations3676200000Unallocated0152421000005316810000000-111600000-5272000001535370000053695300000Treasury1096030600000Corporate/Wholesale Banking1301545300000Retail Banking - Digital Banking82250800000Retail Banking - Other Retail Banking1370695600000Other Banking operations498400000Unallocated03851020700000241942000003875214900000Treasury367739400000Corporate/Wholesale Banking439934900000Retail Banking - Digital Banking234951800000Retail Banking - Other Retail Banking2431427500000Other Banking operations9200000Unallocated03474062800000141014000003488164200000For 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 year ended March 31, 2026, or for the previous periods.536953000000171170000000165500000265900000-20840000002516300000041200000000-314943900000-3540220000030261920000052830000000183667000002346980000027589800000812851000000009464900000071820200000007182020000000010718720000009744000000002778500000220600000000001655000000000-11055400000000-11055400000016131000000000256718000002950400000000-1249120000000-12491200000-51225000000-91400000-51316400000308592400000257276000000Federal Bank Limited******Ageas Federal Life Insurance Company Limited******AssociateSale of goods or services2400000000Value of the related party transaction as approved by the audit committee represents Omnibus limit approved by Audit Committee.1185189000129539000292211000Federal Bank Limited******Federal Operations And Services 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from approved transactions11585800000Federal Bank Limited******Ageas Federal Life Insurance Company Limited******AssociateAny other transactionForex merchant deals booked166034000Emanating from approved transactions7493400000Value of transactions in respect of forex merchant deals represent notional amount of the contracts.Federal Bank Limited******Fedbank Financial Services Limited******SubsidiaryAny other transactionForex merchant deals booked46438000Emanating from approved transactions4643800000Value of transactions in respect of forex merchant deals represent notional amount of the contracts.Federal Bank Limited******Venkatraman Venkateswaran******KMPAny other transactionInvestment in the equity shares of Bank75121000Emanating from approved transactions7512100000Value of transaction for investment of related party in the Bank represents exercise of ESOPs.Federal Bank Limited******Johnson K Jose******Related party of the subsidiaryAny other transactionInvestment in the equity shares of Bank411000Emanating from approved transactions41100000Value of transaction for investment of related party in the Bank represents exercise of ESOPs.Federal Bank Limited******Fedbank Financial Services Limited******SubsidiaryAny other transactionReceivable on IPO related transaction0Approved by the Audit Committee03610000Federal Bank Limited******Federal Operations And Services Limited******SubsidiaryAny other transactionDeposit for rental premises payable0Approved by the Audit Committee0869000869000Federal Bank Limited******Federal Operations And Services Limited******SubsidiaryAny other transactionDeposit for rental premises receivable0Approved by the Audit Committee012170001217000Federal Bank Limited******Fedbank Financial Services Limited******SubsidiaryAny other transactionService charges on assignment deals2492000Approved by the Audit Committee10790000528000Federal Bank Limited******Federal Operations And Services Limited******SubsidiaryAny other transactionAsset Usage charges1309000Approved by the Audit Committee013090000Federal Bank Limited******Federal Operations And Services Limited******SubsidiaryPurchase of fixed assets28742000Approved by the Audit Committee2874200000Federal Bank Limited******Reserve Bank Innovation Hub (Ceased to be related party since Jan 14, 2026).******Interested entity of DirectorAny other transactionService charges paid10000Approved by the Audit Committee100000Federal Bank Limited******Scoreme Solutions Pvt Ltd    (Ceased to be related party since Jan 14, 2026.)******Interested entity of DirectorAny other transactionSetup cost for digital platform for DSA5850000Approved by the Audit Committee130000000Federal Bank Limited******Fedbank Financial Services Limited******SubsidiaryAny other transactionCross Currency Deal (Notional Value)2267375000Emanating from approved transactions226737500000Federal Bank Limited******Fedbank Financial Services Limited******SubsidiaryAny other transactionNet MTM Loss Recognised in other income134445000Emanating from approved transactions1344450000134445000Federal Bank Limited******Ambit Finvest Private Limited******Related party of the subsidiaryAny other transactionService charge for CSGL Transactions0Ractified by ACB50002026-04-29500000Fedbank Financial Services Limited******Perfios Account Aggregation Services Pvt Ltd******Interested entity of a Director of the SubsidiaryAny other transactionKYC Documentation Charges0Ractified by ACB100002026-04-281000000For transactions of the subsidiaries, relationship of the counterparty has been given with respect to the subsidiary.Fedbank Financial Services Limited******Ganesh Venkatraman Chatapuram******KMP of subsidiaryAny other transactionExercise of ESOP0Ractified by ACB29760002026-04-28297600000For transactions of the subsidiaries, relationship of the counterparty has been given with respect to the subsidiary.5171811000