5004692026-01-012026-03-315004692026-03-315004692025-03-315004692025-04-012026-03-315004692026-01-012026-03-31in-capmkt:OtherOperatingExpenses1Member5004692025-04-012026-03-31in-capmkt:OtherOperatingExpenses1Member5004692026-03-31OtherLiabilitiesAndProvisionsDomain15004692026-03-31OtherAssetsDomain15004692026-01-012026-03-31in-capmkt:ReportableSegments1Member5004692026-01-012026-03-31in-capmkt:ReportableSegments2Member5004692026-01-012026-03-31in-capmkt:ReportableSegments3Member5004692026-01-012026-03-31in-capmkt:ReportableSegments4Member5004692026-01-012026-03-31in-capmkt:ReportableSegments5Member5004692026-01-012026-03-31in-capmkt:ReportableSegments6Member5004692025-04-012026-03-31in-capmkt:ReportableSegments1Member5004692025-04-012026-03-31in-capmkt:ReportableSegments2Member5004692025-04-012026-03-31in-capmkt:ReportableSegments3Member5004692025-04-012026-03-31in-capmkt:ReportableSegments4Member5004692025-04-012026-03-31in-capmkt:ReportableSegments5Member5004692025-04-012026-03-31in-capmkt:ReportableSegments6Member5004692026-01-012026-03-31in-capmkt:ReportableSegments1Member5004692026-01-012026-03-31in-capmkt:ReportableSegments2Member5004692026-01-012026-03-31in-capmkt:ReportableSegments3Member5004692026-01-012026-03-31in-capmkt:ReportableSegments4Member5004692026-01-012026-03-31in-capmkt:ReportableSegments5Member5004692026-01-012026-03-31in-capmkt:ReportableSegments6Member5004692025-04-012026-03-31in-capmkt:ReportableSegments1Member5004692025-04-012026-03-31in-capmkt:ReportableSegments2Member5004692025-04-012026-03-31in-capmkt:ReportableSegments3Member5004692025-04-012026-03-31in-capmkt:ReportableSegments4Member5004692025-04-012026-03-31in-capmkt:ReportableSegments5Member5004692025-04-012026-03-31in-capmkt:ReportableSegments6Member5004692026-01-012026-03-31in-capmkt:ReportableSegments1Member5004692026-03-31in-capmkt:ReportableSegments1Member5004692026-01-012026-03-31in-capmkt:ReportableSegments2Member5004692026-03-31in-capmkt:ReportableSegments2Member5004692026-01-012026-03-31in-capmkt:ReportableSegments3Member5004692026-03-31in-capmkt:ReportableSegments3Member5004692026-01-012026-03-31in-capmkt:ReportableSegments4Member5004692026-03-31in-capmkt:ReportableSegments4Member5004692026-01-012026-03-31in-capmkt:ReportableSegments5Member5004692026-03-31in-capmkt:ReportableSegments5Member5004692026-01-012026-03-31in-capmkt:ReportableSegments6Member5004692026-03-31in-capmkt:ReportableSegments6Member5004692026-01-012026-03-31in-capmkt:ReportableSegments1Member5004692026-03-31in-capmkt:ReportableSegments1Member5004692026-01-012026-03-31in-capmkt:ReportableSegments2Member5004692026-03-31in-capmkt:ReportableSegments2Member5004692026-01-012026-03-31in-capmkt:ReportableSegments3Member5004692026-03-31in-capmkt:ReportableSegments3Member5004692026-01-012026-03-31in-capmkt:ReportableSegments4Member5004692026-03-31in-capmkt:ReportableSegments4Member5004692026-01-012026-03-31in-capmkt:ReportableSegments5Member5004692026-03-31in-capmkt:ReportableSegments5Member5004692026-01-012026-03-31in-capmkt:ReportableSegments6Member5004692026-03-31in-capmkt:ReportableSegments6Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares500469FEDERALBNKNOTLISTEDINE171A01029The Federal Bank LimitedEquity2025-04-012026-03-312026-04-292026-04-07INRLakhsQuarterlyFourth quarterMulti segment2026-04-2913:20:002026-04-2913:50:00trueCash Flow IndirectNot applicable2026-01-012026-03-31AuditedConsolidated607148000001254840000010308000005172100000794661000001185860000091324700000440166000009304400000132513000002255570000066572300000247524000007616700000017135700000320320000013932500000013932500000-9300000513500000134097000004928600000200.159305.445.385.445.384335290000052925000000.01620.0020.00341.The above Consolidated 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 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> 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> 4.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> 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 / fixed assets, profit / loss on revaluation of investments, recoveries from advances written off, etc. <BR> 6.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> 7.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......... <BR> 2025-04-012026-03-31AuditedConsolidated23674380000047681000000458330000077329000002967410000004598320000034272420000017771560000037556500000491099000008666640000026438200000078342200000197079000000586343000001380050000044833800000044833800000756000001456400000434530000004928600000237996010000000.1593017.6717.4817.6717.484335290000052925000000.01620.0020.0115Other operating expenses13251300000Other operating expenses491099000004928600000406194700000313490890000033193250000014284330000040208080000001557677000001132055000007647145000002773806600000152817000001980320000004020808000000Contd...... <BR> 8.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> 9.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> 10.Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification.Other Liabilities and Provisions142843300000Other Assets198032000000Treasury14908000000Corporate/Wholesale Banking30630400000Retail Banking - Digital Banking8486500000Retail Banking - Other Retail Banking79548300000Other Banking operations1435400000Unallocated4671200000Treasury67041800000Corporate/Wholesale Banking122220200000Retail Banking - Digital Banking33617400000Retail Banking - Other Retail Banking305247800000Other Banking operations4877800000Unallocated50875000001396798000005380925000004835510000019536830000091324700000342724200000Treasury1568300000Corporate/Wholesale Banking6599700000Retail Banking - Digital Banking259200000Retail Banking - Other Retail Banking7480000000Other Banking operations1116900000Unallocated0Treasury11943600000Corporate/Wholesale Banking23828800000Retail Banking - Digital Banking1009600000Retail Banking - Other Retail Banking17577900000Other Banking operations3746500000Unallocated0170241000005810640000000-111600000-5279000001713570000058634300000Treasury1096013100000Corporate/Wholesale Banking1290285600000Retail Banking - Digital Banking82250800000Retail Banking - Other Retail Banking1528379300000Other Banking operations516900000Unallocated03997445700000233623000004020808000000Treasury372581400000Corporate/Wholesale Banking438494000000Retail Banking - Digital Banking234951800000Retail Banking - Other Retail Banking2550358800000Other Banking operations29200000Unallocated03596415200000132695000003609684700000For 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.5863430000001946400000000265900000-205800000-13808000002517200000031429000000-342764600000-376154000003000727000005435770000019707900000-6241700000-309880000055535500000000120444000000434911000000043491100000000107257200000097440000000223300000308210000000000000000-11109040000000-1110904000001614470000000597430000002950400000001524000000206926000000020692600000-46906700000-91400000-46998100000315971300000268973200000