REG - Federal Bank Ltd The - Half-year Financial Report
24/11/2025 09:45
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RNS Number : 7237I Federal Bank Ltd (The) 24 November 2025
SD/LSE/320/2025-26
24.11.2025
To
The London Stock Exchange
10 Paternoster Square
London
Dear Sir,
We enclose herewith the Un-Audited Standalone and Consolidated Financial
Results of the Bank for the Quarter ended September 30, 2025 which was
approved at the Bank's Board of Directors meeting held on October 18, 2025.
Kindly take the same on your record.
For The Federal Bank Limited
Samir P Rajdev
Company Secretary
M S K A & Associates Suri & Co
602, Floor 6, Raheja Titanium Guna Complex, No.443 & 445,
Western Express Highway, Geetanjali, 4th Floor Main Building,
Railway Colony, Ram Nagar, Goregaon (E), Anna Salai, Teynampet,
Mumbai 400 063. Chennai 600 018.
Independent Auditors' Review Report on unaudited standalone financial results
for the quarter and half year ended September 30, 2025 of The Federal Bank
Limited pursuant to the Regulation 33 and Regulation 52 read with Regulation
63(2) of the Securities and Exchange Board of India (Listing Obligations and
Disclosure Requirements) Regulations, 2015, as amended.
The Board of Directors of
The Federal Bank Limited
1. We have reviewed the accompanying statement of unaudited standalone
financial results of The Federal Bank Limited ('the Bank') for the quarter and
half year ended September 30, 2025 ('the Statement') attached herewith, being
submitted by the Bank pursuant to the requirements of Regulation 33 and
Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board
of India (Listing Obligations and Disclosure Requirements) Regulations, 2015
as amended ('the Listing Regulations') except for the disclosures relating to
Pillar 3 as at September 30, 2025, including leverage ratio, liquidity
coverage ratio and net stable funding ratio under Basel III Capital
Regulations as have been disclosed on the Bank's website and in respect of
which a link has been provided in the Note 8 to the Statement and have not
been reviewed by us.
2. This Statement, which is the responsibility of the Bank's Management and
approved by the Bank's Board of Directors, has been prepared in accordance
with the recognition and measurement principles laid down in Accounting
Standard 25 'Interim Financial Reporting' ('AS 25') prescribed under section
133 of the Companies Act, 2013 ('the Act') read with relevant rules issued
thereunder, in so far as they apply to the Banks, the relevant provisions of
the Banking Regulation Act, 1949, the circulars, guidelines, directions issued
by the Reserve Bank of India ('the RBI') from time to time ('the RBI
Guidelines') and other recognized accounting principles generally accepted in
India and in compliance with the Listing Regulations. Our responsibility is to
express a conclusion on the Statement based on our review.
3. We conducted our review of the Statement in accordance with the Standard
on Review Engagements (SRE) 2410 "Review of Interim Financial Information
Performed by the Independent Auditor of the Entity", issued by the Institute
of Chartered Accountants of India. This standard requires that we plan and
perform the review to obtain moderate assurance as to whether the Statement is
free of material misstatement. A review consists of making inquiries primarily
of persons responsible for financial and accounting matters and applying
analytical and other review procedures. A review is substantially less in
scope than an audit conducted in accordance with Standards on Auditing under
section 143(10) of the Act and consequently does not enable us to obtain
assurance that we would become aware of all significant matters that might be
identified in an audit. We have not performed an audit and accordingly, we do
not express an audit opinion.
4. Based on our review, conducted and procedures performed, as stated in
paragraph 3 above, nothing has come to our attention that causes us to believe
that the accompanying Statement prepared in accordance with the recognition
and measurement principles laid down in AS 25, prescribed under Section 133 of
the Act read with relevant rules issued thereunder, the RBI Guidelines and
other accounting principles generally accepted in India has not disclosed the
information required to be disclosed in terms of the Listing Regulations,
including the manner in which it is to be disclosed or that it contains
material misstatement or that it has not been prepared in accordance with the
relevant prudential norms issued by the RBI in respect of income recognition,
asset classification, provisioning and other related matters, except for the
disclosures relating to Pillar 3 disclosures as at September 30, 2025,
including leverage ratio, liquidity coverage ratio and net stable funding
ratio under Basel III Capital Regulations as have been disclosed on the Bank's
website and in respect of which a link has been provided in the Note 8 to the
Statement and have not been reviewed by us.
For M S K A & Associates For Suri & Co
Chartered Accountants Chartered Accountants
ICAI Firm Registration Number: 105047W ICAI Firm Registration Number: 004283S
Swapnil Kale Sanjeev Aditya M
Partner Partner
Membership Number: 117812 Membership Number: 229694
UDIN: 25117812BMNVAG7273 UDIN: 25229694BMIJBY2861
Mumbai Mumbai
October 18, 2025 October 18, 2025
M S K A & Associates Suri & Co
602, Floor 6, Raheja Titanium Guna Complex, No.443 & 445,
Western Express Highway, Geetanjali, 4th Floor Main Building,
Railway Colony, Ram Nagar, Goregaon (E), Anna Salai, Teynampet,
Mumbai 400 063. Chennai 600 018.
Independent Auditor's Review Report on unaudited consolidated financial
results for the quarter and half year ended September 30, 2025 of The Federal
Bank Limited pursuant to the Regulation 33 of the Securities and Exchange
Board of India (Listing Obligations and Disclosure Requirements) Regulations,
2015, as amended.
The Board of Directors of
The Federal Bank Limited
1. We have reviewed the accompanying statement of unaudited consolidated
financial results of The Federal Bank Limited ('the Bank') and its
subsidiaries (the Bank and its subsidiaries together referred to as 'the
Group'), and its share of the net profit after tax of its associate for the
quarter and half year ended September 30, 2025 ('the Statement'), being
submitted by the Bank pursuant to the requirement of Regulation 33 of the
Securities and Exchange Board of India (Listing Obligations and Disclosure
Requirements) Regulations, 2015, as amended ('the Listing Regulations') except
for the disclosures relating to Pillar 3 as at September 30, 2025, including
leverage ratio, liquidity coverage ratio and net stable funding ratio under
Basel III Capital Regulations as have been disclosed on the Bank's website and
in respect of which a link has been provided in Note 7 of the Statement and
have not been reviewed by us.
2. This Statement, which is the responsibility of the Bank's Management and
approved by the Bank's Board of Directors, has been prepared in accordance
with the recognition and measurement principles laid down in Accounting
Standard 25 'Interim Financial Reporting' ('AS 25'), prescribed under Section
133 of the Companies Act, 2013 ('the Act') read with relevant rules
thereunder, in so far as they apply to the Bank, the relevant provisions of
the Banking Regulation Act, 1949, the circulars, guidelines, directions issued
by the Reserve Bank of India ('the RBI') from time to time ('the RBI
Guidelines') and other recognized accounting principles generally accepted in
India and is in compliance with the Listing Regulations. Our responsibility is
to express a conclusion on the Statement based on our review.
3. We conducted our review of the Statement in accordance with the Standard
on Review Engagements (SRE) 2410 "Review of Interim Financial Information
Performed by the Independent Auditor of the Entity", issued by the Institute
of Chartered Accountants of India. This standard requires that we plan and
perform the review to obtain moderate assurance as to whether the Statement is
free of material misstatement. A review consists of making inquiries,
primarily of persons responsible for financial and accounting matters and
applying analytical and other review procedures. A review is substantially
less in scope than an audit conducted in accordance with Standards on Auditing
specified under section 143(10) of the Act and consequently does not enable us
to obtain assurance that we would become aware of all significant matters that
might be identified in an audit. We have not performed an audit and
accordingly, we do not express an audit opinion.
We also performed procedures in accordance with the circular issued by the
Securities and Exchange Board of India under Regulation 33(8) of the Listing
Regulations, to the extent applicable.
4. The Statement includes the Financial results of the Bank and the
following entities:
Sr. No Name of the Entity Relationship with the Bank
a Fedbank Financial Services Limited Subsidiary
b Federal Operations and Services Limited Subsidiary
c Ageas Federal Life Insurance Company Limited Associate
5. Based on our review conducted and procedures performed as stated in
paragraph 3 above and based on the consideration of the review reports of
other auditors referred to in paragraph 6 below and based on the financial
result certified by the Management for the associate as state in paragraph 7
below, nothing has come to our attention that causes us to believe that the
accompanying Statement, prepared in accordance with the recognition and
measurement principles laid down AS 25 prescribed under Section 133 of the Act
read with relevant rules issued thereunder, the RBI Guidelines and other
accounting principles generally accepted in India, has not disclosed the
information required to be disclosed in terms of the Listing Regulations,
including the manner in which it is to be disclosed or that it contains any
material misstatement or that it has not been prepared in accordance with the
relevant prudential norms issued by the RBI in respect of income recognition,
asset classification, provisioning and other related matters except for the
disclosures relating to Pillar 3 as at September 30, 2025, including leverage
ratio, liquidity coverage ratio and net stable funding ratio under Basel III
Capital Regulations as have been disclosed on the Bank's website and in
respect of which a link has been provided in Note 7 to the Statement and have
not been reviewed by us.
6. We did not review the interim financial results of two subsidiaries
included in the Statement, whose interim financial results reflect total
assets of Rs. 13,27,436 Lakhs as at September 30, 2025 and total revenues of
Rs.57,416 Lakhs and Rs. 1,15,142 Lakhs and total net profit after tax of Rs.
8,072 Lakhs and Rs. 16,573 Lakhs for the quarter and half year ended September
30, 2025, respectively, and net cash outflow flows of Rs. 33,244 Lakhs for the
half year ended September 30, 2025, as considered in the Statement. These
interim financial results have been reviewed by other auditors whose reports
have been furnished to us by the Bank's Management and our conclusion on the
Statement, in so far as it relates to the amounts and disclosures included in
respect of these subsidiaries, is based solely on the reports of the other
auditors and the procedures performed by us as stated in paragraph 3 above.
7. The Statement also includes the Group's share of net profit after tax of
Rs. 321 Lakhs and Rs. 703 Lakhs for the quarter and half year ended September
30, 2025, respectively, as considered in the Statement, in respect of its
associate, based on its interim financial result which have not been reviewed
by its auditor. These interim financial result has been furnished to us by the
Bank's Management and our conclusion on the Statement, in so far as it relates
to the amounts and disclosures included in respect of its associate, is based
solely on such Management prepared unaudited interim financial results.
According to the information and explanations given to us by the Bank's
Management, this interim financial information is not material to the Group.
Our conclusion on the Statement is not modified in respect of the matters
mentioned in paragraphs 6 and 7 above.
For M S K A & Associates For Suri & Co
Chartered Accountants Chartered Accountants
ICAI Firm Registration Number: 105047W ICAI Firm Registration Number: 004283S
Swapnil Kale Sanjeev Aditya M
Partner Partner
Membership Number: 117812 Membership Number: 229694
UDIN: 25117812BMNVAH2095 UDIN: 25229694BMIJBX1437
Mumbai Mumbai
October 18,
2025
October 18, 2025
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
STANDALONE UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED
SEPTEMBER 30, 2025
(₹ in Lakhs)
Particulars Quarter ended Half Year ended Year ended
30.09.2025 30.06.2025 30.09.2024 30.09.2025 30.09.2024 31.03.2025
Unaudited Unaudited Unaudited Unaudited Unaudited Audited
1. Interest earned (a)+(b)+(c)+(d) 6,74,216 6,68,663 6,57,728 13,42,879 12,90,816 26,36,525
(a) Interest/discount on advances/bills 5,38,340 5,32,289 5,24,196 10,70,629 10,26,810 21,01,662
(b) Income on investments 1,16,841 1,13,462 1,13,573 2,30,303 2,24,398 4,54,182
(c) Interest on balances with Reserve Bank of India and other inter bank funds 11,090 15,063 10,792 26,153 21,061 44,300
(d) Others 7,945 7,849 9,167 15,794 18,547 36,381
2. Other income (Refer note 5) 1,08,217 1,11,298 96,395 2,19,515 1,87,913 3,80,125
3. TOTAL INCOME (1+2) 7,82,433 7,79,961 7,54,123 15,62,394 14,78,729 30,16,650
4. Interest expended 4,24,692 4,34,980 4,21,005 8,59,672 8,24,895 16,89,726
5. Operating expenses (i)+(ii) 1,93,324 1,89,352 1,76,582 3,82,676 3,47,207 7,16,811
(i) Employees cost 80,344 79,761 77,957 1,60,105 1,51,929 3,08,828
(ii) Other operating expenses 1,12,980 1,09,591 98,625 2,22,571 1,95,278 4,07,983
6. TOTAL EXPENDITURE (4+5) 6,18,016 6,24,332 5,97,587 12,42,348 11,72,102 24,06,537
(excluding provisions and contingencies)
7. OPERATING PROFIT (3-6) 1,64,417 1,55,629 1,56,536 3,20,046 3,06,627 6,10,113
(Profit before provisions and contingencies)
8. Provisions (other than tax) and contingencies 36,309 40,016 15,835 76,325 30,262 73,306
9. Exceptional items - - - - - -
10. Profit from Ordinary Activities before tax 1,28,108 1,15,613 1,40,701 2,43,721 2,76,365 5,36,807
(7-8-9)
11. Tax expense 32,582 29,438 35,032 62,020 69,743 1,31,618
12. Net Profit from Ordinary Activities after tax (10-11) 95,526 86,175 1,05,669 1,81,701 2,06,622 4,05,189
13. Extraordinary items (net of tax expense) - - - - - -
14. Net Profit for the period (12-13) 95,526 86,175 1,05,669 1,81,701 2,06,622 4,05,189
15. Paid-up Equity Share Capital 49,188 49,142 49,045 49,188 49,045 49,117
(Face value ₹ 2/- per Equity Share)
16. Reserves excluding Revaluation Reserve 32,92,444
17. Analytical Ratios and Other Disclosures:
(i) Percentage of shares held by Government of India NIL NIL NIL NIL NIL NIL
(ii) Capital Adequacy ratio (%) (Refer note 6)
Under Basel III 15.71 16.03 15.20 15.71 15.20 16.40
(iii) Earnings per Share (EPS) (in ₹)
(a) Basic EPS (before and after extraordinary items) 3.89* 3.51* 4.31* 7.39* 8.45* 16.54
(b) Diluted EPS (before and after extraordinary items) 3.85* 3.47* 4.27* 7.32* 8.36* 16.37
(iv) NPA Ratios
a) Gross NPA 4,53,201 4,66,966 4,88,449 4,53,201 4,88,449 4,37,554
b) Net NPA 1,16,516 1,15,764 1,32,229 1,16,516 1,32,229 1,04,038
c) % of Gross NPA 1.83 1.91 2.09 1.83 2.09 1.84
d) % of Net NPA 0.48 0.48 0.57 0.48 0.57 0.44
(v) Return on Assets (%) 0.27* 0.25* 0.32* 0.52* 0.64* 1.23
(vi) Net Worth 34,81,984 33,99,408 31,10,820 34,81,984 31,10,820 33,12,164
(vii) Outstanding Redeemable Preference Shares NIL NIL NIL NIL NIL NIL
(viii) Capital Redemption Reserve NIL NIL NIL NIL NIL NIL
(ix) Debenture Redemption Reserve NIL NIL NIL NIL NIL NIL
(x) Debt - Equity Ratio (#) 0.51 0.57 0.75 0.51 0.75 0.71
(xi) Total Debts to Total Assets (#) 5.05% 5.60% 7.08% 5.05% 7.08% 6.80%
(xii) Operating Margin 21.01% 19.95% 20.76% 20.48% 20.74% 20.22%
(xiii) Net Profit Margin 12.21% 11.05% 14.01% 11.63% 13.97% 13.43%
(*) Not Annualised
(#) Debt and Total Debts represents Total Borrowings of the Bank
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
STANDALONE UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED
SEPTEMBER 30, 2025
(₹ in Lakhs)
Particulars
Quarter ended
Half Year ended
Year ended
30.09.2025
30.06.2025
30.09.2024
30.09.2025
30.09.2024
31.03.2025
Unaudited
Unaudited
Unaudited
Unaudited
Unaudited
Audited
1. Interest earned (a)+(b)+(c)+(d)
6,74,216
6,68,663
6,57,728
13,42,879
12,90,816
26,36,525
(a)
Interest/discount on advances/bills
5,38,340
5,32,289
5,24,196
10,70,629
10,26,810
21,01,662
(b)
Income on investments
1,16,841
1,13,462
1,13,573
2,30,303
2,24,398
4,54,182
(c)
Interest on balances with Reserve Bank of India and other inter bank funds
11,090
15,063
10,792
26,153
21,061
44,300
(d)
Others
7,945
7,849
9,167
15,794
18,547
36,381
2. Other income (Refer note 5)
1,08,217
1,11,298
96,395
2,19,515
1,87,913
3,80,125
3. TOTAL INCOME (1+2)
7,82,433
7,79,961
7,54,123
15,62,394
14,78,729
30,16,650
4. Interest expended
4,24,692
4,34,980
4,21,005
8,59,672
8,24,895
16,89,726
5. Operating expenses (i)+(ii)
1,93,324
1,89,352
1,76,582
3,82,676
3,47,207
7,16,811
(i)
Employees cost
80,344
79,761
77,957
1,60,105
1,51,929
3,08,828
(ii)
Other operating expenses
1,12,980
1,09,591
98,625
2,22,571
1,95,278
4,07,983
6. TOTAL EXPENDITURE (4+5)
(excluding provisions and contingencies)
6,18,016
6,24,332
5,97,587
12,42,348
11,72,102
24,06,537
7. OPERATING PROFIT (3-6)
(Profit before provisions and contingencies)
1,64,417
1,55,629
1,56,536
3,20,046
3,06,627
6,10,113
8. Provisions (other than tax) and contingencies
36,309
40,016
15,835
76,325
30,262
73,306
9. Exceptional items
-
-
-
-
-
-
10. Profit from Ordinary Activities before tax
(7-8-9)
1,28,108
1,15,613
1,40,701
2,43,721
2,76,365
5,36,807
11. Tax expense
32,582
29,438
35,032
62,020
69,743
1,31,618
12. Net Profit from Ordinary Activities after tax (10-11)
95,526
86,175
1,05,669
1,81,701
2,06,622
4,05,189
13. Extraordinary items (net of tax expense)
-
-
-
-
-
-
14. Net Profit for the period (12-13)
95,526
86,175
1,05,669
1,81,701
2,06,622
4,05,189
15. Paid-up Equity Share Capital
(Face value ₹ 2/- per Equity Share)
49,188
49,142
49,045
49,188
49,045
49,117
16. Reserves excluding Revaluation Reserve
32,92,444
17. Analytical Ratios and Other Disclosures:
(i)
Percentage of shares held by Government of India
NIL
NIL
NIL
NIL
NIL
NIL
(ii)
Capital Adequacy ratio (%) (Refer note 6)
Under Basel III
15.71
16.03
15.20
15.71
15.20
16.40
(iii)
Earnings per Share (EPS) (in ₹)
(a) Basic EPS (before and after extraordinary items)
3.89*
3.51*
4.31*
7.39*
8.45*
16.54
(b) Diluted EPS (before and after extraordinary items)
3.85*
3.47*
4.27*
7.32*
8.36*
16.37
(iv)
NPA Ratios
a) Gross NPA
4,53,201
4,66,966
4,88,449
4,53,201
4,88,449
4,37,554
b) Net NPA
1,16,516
1,15,764
1,32,229
1,16,516
1,32,229
1,04,038
c) % of Gross NPA
1.83
1.91
2.09
1.83
2.09
1.84
d) % of Net NPA
0.48
0.48
0.57
0.48
0.57
0.44
(v)
Return on Assets (%)
0.27*
0.25*
0.32*
0.52*
0.64*
1.23
(vi)
Net Worth
34,81,984
33,99,408
31,10,820
34,81,984
31,10,820
33,12,164
(vii)
Outstanding Redeemable Preference Shares
NIL
NIL
NIL
NIL
NIL
NIL
(viii)
Capital Redemption Reserve
NIL
NIL
NIL
NIL
NIL
NIL
(ix)
Debenture Redemption Reserve
NIL
NIL
NIL
NIL
NIL
NIL
(x)
Debt - Equity Ratio (#)
0.51
0.57
0.75
0.51
0.75
0.71
(xi)
Total Debts to Total Assets (#)
5.05%
5.60%
7.08%
5.05%
7.08%
6.80%
(xii)
Operating Margin
21.01%
19.95%
20.76%
20.48%
20.74%
20.22%
(xiii)
Net Profit Margin
12.21%
11.05%
14.01%
11.63%
13.97%
13.43%
(*) Not Annualised
(#) Debt and Total Debts represents Total Borrowings of the Bank
Segment Information@
(₹ in Lakhs)
Particulars Quarter ended Half Year ended Year ended
30.09.2025 30.06.2025 30.09.2024 30.09.2025 30.09.2024 31.03.2025
Unaudited Unaudited Unaudited Unaudited Unaudited Audited
1) Segment Revenue:
Treasury 1,62,421 1,93,854 1,71,627 3,56,275 3,35,789 6,70,972
Corporate/Wholesale Banking 3,03,694 3,10,607 3,02,386 6,14,301 5,86,266 11,72,425
Retail Banking 7,84,077 7,66,770 7,52,113 15,50,847 14,80,830 30,49,898
a) Digital Banking 84,554 83,616 65,787 1,68,170 1,31,633 2,92,497
b) Other Retail Banking 6,99,523 6,83,154 6,86,326 13,82,677 13,49,197 27,57,401
Other Banking operations 11,989 7,294 7,387 19,283 11,993 26,854
Unallocated 575 278 187 853 391 2,630
Total Revenue 12,62,756 12,78,803 12,33,700 25,41,559 24,15,269 49,22,779
Less: Inter Segment Revenue 4,80,323 4,98,842 4,79,577 9,79,165 9,36,540 19,06,129
Income from Operations 7,82,433 7,79,961 7,54,123 15,62,394 14,78,729 30,16,650
2) Segment Results (net of provisions):
Treasury 28,984 38,277 27,280 67,261 52,878 95,246
Corporate/Wholesale Banking 64,187 48,597 52,572 1,12,784 1,02,580 2,29,747
Retail Banking 24,169 22,263 54,383 46,432 1,10,322 1,86,358
a) Digital Banking 2,540 2,721 2,449 5,261 8,887 (466)
b) Other Retail Banking 21,629 19,542 51,934 41,171 1,01,435 1,86,824
Other Banking operations 10,193 6,198 6,279 16,391 10,194 22,826
Unallocated 575 278 187 853 391 2,630
Profit before tax 1,28,108 1,15,613 1,40,701 2,43,721 2,76,365 5,36,807
3) Segment Assets:
Treasury 98,56,503 99,03,289 92,45,018 98,56,503 92,45,018 1,01,36,265
Corporate/Wholesale Banking 1,21,35,812 1,20,50,649 1,11,94,923 1,21,35,812 1,11,94,923 1,16,85,188
Retail Banking 1,33,00,724 1,30,33,422 1,27,58,288 1,33,00,724 1,27,58,288 1,27,92,131
a) Digital Banking 8,15,421 7,79,886 7,70,260 8,15,421 7,70,260 7,45,633
b) Other Retail Banking 1,24,85,303 1,22,53,536 1,19,88,028 1,24,85,303 1,19,88,028 1,20,46,498
Other Banking operations 3,742 4,646 4,491 3,742 4,491 3,167
Unallocated 3,11,240 3,37,760 3,51,582 3,11,240 3,51,582 2,83,729
Total 3,56,08,021 3,53,29,766 3,35,54,302 3,56,08,021 3,35,54,302 3,49,00,480
4) Segment Liabilities:
Treasury 30,24,964 33,79,120 37,61,665 30,24,964 37,61,665 37,98,141
Corporate/Wholesale Banking 37,86,967 39,87,736 32,98,714 37,86,967 32,98,714 36,98,393
Retail Banking 2,51,35,197 2,43,71,697 2,31,39,397 2,51,35,197 2,31,39,397 2,39,35,364
a) Digital Banking 21,36,064 20,16,844 16,89,858 21,36,064 16,89,858 19,13,636
b) Other Retail Banking 2,29,99,133 2,23,54,853 2,14,49,539 2,29,99,133 2,14,49,539 2,20,21,728
Other Banking operations 51 18 55 51 55 25
Unallocated 1,55,300 1,49,207 2,08,816 1,55,300 2,08,816 1,26,495
Total 3,21,02,479 3,18,87,778 3,04,08,647 3,21,02,479 3,04,08,647 3,15,58,418
5) Capital Employed 35,05,542 34,41,988 31,45,655 35,05,542 31,45,655 33,42,062
6) Total (4 + 5) 3,56,08,021 3,53,29,766 3,35,54,302 3,56,08,021 3,35,54,302 3,49,00,480
@ 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.
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.
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.
Notes:
1 Statement of Assets and Liabilities of the Bank as at September 30, 2025 is
given below:
(₹ in Lakhs)
Particulars As at 30.09.2025 As at 30.09.2024 As at 31.03.2025
Unaudited Unaudited Audited
CAPITAL AND LIABILITIES
Capital 49,188 49,045 49,117
Reserves and Surplus 34,56,354 30,96,610 32,92,945
Deposits 2,88,91,958 2,69,10,659 2,83,64,747
Borrowings 17,96,749 23,74,863 23,72,630
Other Liabilities and Provisions 14,13,772 11,23,125 8,21,041
Total 3,56,08,021 3,35,54,302 3,49,00,480
ASSETS
Cash and Balances with Reserve Bank of India 15,36,666 16,94,845 20,35,443
Balance with Banks and Money at Call and Short Notice 7,49,532 5,91,846 10,50,481
Investments 70,34,694 64,66,191 66,24,561
Advances 2,44,65,706 2,30,31,224 2,34,83,639
Fixed Assets 1,45,324 1,09,508 1,47,827
Other Assets 16,76,099 16,60,688 15,58,529
Total 3,56,08,021 3,35,54,302 3,49,00,480
2 The above Standalone 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.
3 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.
4 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.
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,
dividend received from subsidiaries / associate, recoveries from advances
written off, etc.
6 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.
7 During the quarter and half year ended September 30, 2025, the Bank has
allotted 23,18,023 and 35,70,650 equity shares of ₹2 each respectively,
pursuant to the exercise of stock options by employees.
8 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.
9 Details of resolution plan implemented under the Resolution Framework for
COVID-19-related Stress as per RBI circular dated August 06, 2020 (Resolution
Framework 1.0) and May 05, 2021 (Resolution Framework 2.0) are given below:
(₹ in Lakhs)
Type of borrower Exposure to accounts Of (A), aggregate debt that slipped into NPA during the Of (A) amount Of (A) amount paid by the borrowers Exposure to accounts
classified as Standard
half-year
written off during the half-year
during the half- year(2)
classified as Standard
consequent to implementation of resolution plan - Position as at the
consequent to implementation of resolution plan - Position as at the
end of the previous half-year ended March 31 , 2025 (A) ((1)) end of this half-year ended September 30 , 2025 ((1),(3))
Personal Loans 1,05,564.12 3,438.53 - 10,106.18 93,653.08
Corporate persons 2,999.36 - - 229.20 2,770.16
Of which, MSMEs - - - - -
Others 9,845.67 131.59 - 2,149.73 7,564.35
Total 1,18,409.15 3,570.12 - 12,485.11 1,03,987.59
1. Excludes other facilities to the borrowers which have not been
restructured.
2. Represents net movement in balance outstanding.
3. Includes accounts which were classified as NPA earlier and subsequently
upgraded to standard during the half year ended September 30, 2025.
10 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 half year ended
September 30, 2025 are given below:
i) Details of loans not in default transferred through assignment during the
half year ended September 30, 2025 are given below:
Particulars Value
Aggregate amount of loans transferred (₹ in lakhs) 12,500.00
Weighted average residual maturity (in years) 13.18
Weighted average holding period by originator (in years) 0.95
Retention of beneficial economic interest by the originator (₹ in lakhs) 24,225.42
Tangible security coverage 49.23%
Rating-wise distribution
AA 100.00%
ii) During the half year ended September 30, 2025, the Bank has not acquired
any loans not in default or stressed loans or Special Mention Accounts (SMA)
and not transferred any stressed loans or Special Mention Accounts (SMA).
iii) During the half year ended September 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 September 30,
2025 are given below:
(₹ in Lakhs)
Rating Recovery Rating Gross Book Value Provision Held Net Book Value
RR1 100%-150% 460.20 - 460.20
Total 460.20 - 460.20
11 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.
12 Previous period's figures have been regrouped / reclassified, wherever
necessary to conform to current period's classification.
KRISHNAN VENKAT SUBRAMANIAN
Mumbai MANAGING DIRECTOR & CEO
October 18, 2025 (DIN: 00031794)
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
STANDALONE UNAUDITED CASH FLOW STATEMENT FOR THE HALF YEAR ENDED SEPTEMBER 30,
2025
(₹ in Lakhs)
Particulars Half Year ended Half Year ended
September 30, 2025
September 30, 2024
Cash Flow from Operating Activities
Net Profit Before Taxes 2,43,721 2,76,365
Adjustments for:
Depreciation on Bank's Property 14,435 12,417
(Profit) / Loss on revaluation of Investments (net) 1,744 (15,990)
Amortisation of premium / (discount) on Investments (4,130) 4,795
Provision / Charge for Non Performing Advances 68,975 31,247
Provision for Investments, Standard Assets and Contingencies 7,351 (984)
(Profit) / Loss on Sale of Fixed Assets (net) (1) 15
Profit on Sale of Investment in Associate - (829)
Dividend From Subsidiaries / Associates (1,655) (2,268)
Employees Stock Option Expense 1,034 104
3,31,474 3,04,872
Adjustments for working capital changes:-
(Increase) / Decrease in Investments [excluding investments in Subsidiaries, 1,27,494 (22,976)
Associates and Held to Maturity Investments]
Increase in Advances (10,51,042) (21,22,137)
(Increase) / Decrease in Other Assets (1,16,479) 1,57,038
Increase in Deposits 5,27,211 16,57,257
Increase in Other Liabilities and Provisions 5,87,796 2,44,213
74,980 (86,605)
Direct taxes paid (net) (69,430) (75,870)
Net Cash Flow from Operating Activities 3,37,024 1,42,397
Cash Flow from Investing Activities
Purchase of Fixed Assets (11,939) (20,036)
Proceeds from Sale of Fixed Assets 8 102
Dividend From Subsidiaries / Associates 1,655 2,268
Proceeds from sale of investment in Associate - 990
Purchase of Held to Maturity Investments (net) (5,23,367) (2,92,194)
Net Cash Used in Investing Activities (5,33,643) (3,08,870)
Cash Flow from Financing Activities
Proceeds from issue of Share Capital 71 338
Proceeds from Share Premium (Net of Share Issue Expenses) 2,597 13,821
Redemption of Subordinate Debt - (30,000)
Increase / (Decrease) in Borrowings (Excluding Subordinate Debt) (5,75,881) 6,02,221
Dividend Paid (29,504) (29,400)
Net Cash flow from / (used in) Financing Activities (6,02,717) 5,56,980
Effect of Exchange Fluctuation on Translation Reserve (390) (108)
Net Increase / (Decrease) in Cash and Cash Equivalents (7,99,726) 3,90,399
Cash and Cash Equivalents at the beginning of the period 30,85,924 18,96,292
Cash and Cash Equivalents at the end of the period 22,86,198 22,86,691
Note:
Cash and Cash Equivalents comprise of Cash in hand (including foreign currency
notes), Balances with Reserve Bank of India, Balances with banks and money at
call and short notice.
KRISHNAN VENKAT SUBRAMANIAN
Mumbai MANAGING DIRECTOR & CEO
October 18, 2025 (DIN: 00031794)
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
CONSOLIDATED UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED
SEPTEMBER 30, 2025
(₹ in Lakhs)
Particulars Quarter ended Half Year ended Year ended
30.09.2025 30.06.2025 30.09.2024 30.09.2025 30.09.2024 31.03.2025
Unaudited Unaudited Unaudited Unaudited Unaudited Audited
1. Interest earned (a)+(b)+(c)+(d) 7,21,618 7,15,084 7,00,566 14,36,702 13,73,326 28,10,608
(a) Interest/discount on advances/bills 5,85,485 5,78,366 5,66,731 11,63,851 11,08,649 22,74,481
(b) Income on investments 1,16,736 1,13,342 1,13,486 2,30,078 2,24,208 4,53,799
(c) Interest on balances with Reserve Bank of India and other inter bank funds 11,090 15,063 10,792 26,153 21,061 44,301
(d) Others 8,307 8,313 9,557 16,620 19,408 38,027
2. Other income (Refer note 6) 1,10,528 1,16,449 1,00,963 2,26,977 1,94,568 3,92,417
3. TOTAL INCOME (1+2) 8,32,146 8,31,533 8,01,529 16,63,679 15,67,894 32,03,025
4. Interest expended 4,42,947 4,53,962 4,39,345 8,96,909 8,60,498 17,63,127
5. Operating expenses (i)+(ii) 2,12,200 2,06,867 1,95,265 4,19,067 3,82,755 7,89,195
(i) Employees cost 92,975 91,028 89,387 1,84,003 1,74,012 3,54,521
(ii) Other operating expenses 1,19,225 1,15,839 1,05,878 2,35,064 2,08,743 4,34,674
6. TOTAL EXPENDITURE (4+5) 6,55,147 6,60,829 6,34,610 13,15,976 12,43,253 25,52,322
(excluding provisions and contingencies)
7. OPERATING PROFIT (3-6) 1,76,999 1,70,704 1,66,919 3,47,703 3,24,641 6,50,703
(Profit before provisions and contingencies)
8. Provisions (other than tax) and contingencies 39,744 43,721 19,614 83,465 36,902 91,920
9. Exceptional items - - - - - -
10. Profit from Ordinary Activities before tax 1,37,255 1,26,983 1,47,305 2,64,238 2,87,739 5,58,783
(7-8-9)
11. Tax expense 35,312 32,306 36,859 67,618 73,291 1,38,634
12. Net Profit from Ordinary Activities after tax 1,01,943 94,677 1,10,446 1,96,620 2,14,448 4,20,149
(10-11)
13. Extraordinary items (net of tax expense) - - - - - -
14. Net Profit for the period (12-13) 1,01,943 94,677 1,10,446 1,96,620 2,14,448 4,20,149
15. Minority interest 3,070 3,227 1,855 6,297 3,847 7,517
16. Share in Profit of Associates 321 382 1,034 703 1,775 3,253
17. Consolidated Net Profit of the group 99,194 91,832 1,09,625 1,91,026 2,12,376 4,15,885
(14-15+16)
18. Paid-up Equity Share Capital 49,188 49,142 49,045 49,188 49,045 49,117
(Face value ₹ 2/- per Equity Share)
19. Reserves excluding Revaluation Reserve 34,04,215
20. Analytical Ratios and Other Disclosures:
(i) Percentage of shares held by Government of India NIL NIL NIL NIL NIL NIL
(ii) Earnings per Share (EPS) (in ₹)
(a) Basic EPS (before and after extraordinary items) 4.04* 3.74* 4.48* 7.77* 8.69* 16.98
(b) Diluted EPS (before and after extraordinary items) 4.00* 3.70* 4.43* 7.70* 8.59* 16.80
(*) Not Annualised
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
CONSOLIDATED UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED
SEPTEMBER 30, 2025
(₹ in Lakhs)
Particulars
Quarter ended
Half Year ended
Year ended
30.09.2025
30.06.2025
30.09.2024
30.09.2025
30.09.2024
31.03.2025
Unaudited
Unaudited
Unaudited
Unaudited
Unaudited
Audited
1. Interest earned (a)+(b)+(c)+(d)
7,21,618
7,15,084
7,00,566
14,36,702
13,73,326
28,10,608
(a)
Interest/discount on advances/bills
5,85,485
5,78,366
5,66,731
11,63,851
11,08,649
22,74,481
(b)
Income on investments
1,16,736
1,13,342
1,13,486
2,30,078
2,24,208
4,53,799
(c)
Interest on balances with Reserve Bank of India and other inter bank funds
11,090
15,063
10,792
26,153
21,061
44,301
(d)
Others
8,307
8,313
9,557
16,620
19,408
38,027
2. Other income (Refer note 6)
1,10,528
1,16,449
1,00,963
2,26,977
1,94,568
3,92,417
3. TOTAL INCOME (1+2)
8,32,146
8,31,533
8,01,529
16,63,679
15,67,894
32,03,025
4. Interest expended
4,42,947
4,53,962
4,39,345
8,96,909
8,60,498
17,63,127
5. Operating expenses (i)+(ii)
2,12,200
2,06,867
1,95,265
4,19,067
3,82,755
7,89,195
(i)
Employees cost
92,975
91,028
89,387
1,84,003
1,74,012
3,54,521
(ii)
Other operating expenses
1,19,225
1,15,839
1,05,878
2,35,064
2,08,743
4,34,674
6. TOTAL EXPENDITURE (4+5)
(excluding provisions and contingencies)
6,55,147
6,60,829
6,34,610
13,15,976
12,43,253
25,52,322
7. OPERATING PROFIT (3-6)
(Profit before provisions and contingencies)
1,76,999
1,70,704
1,66,919
3,47,703
3,24,641
6,50,703
8. Provisions (other than tax) and contingencies
39,744
43,721
19,614
83,465
36,902
91,920
9. Exceptional items
-
-
-
-
-
-
10. Profit from Ordinary Activities before tax
(7-8-9)
1,37,255
1,26,983
1,47,305
2,64,238
2,87,739
5,58,783
11. Tax expense
35,312
32,306
36,859
67,618
73,291
1,38,634
12. Net Profit from Ordinary Activities after tax
(10-11)
1,01,943
94,677
1,10,446
1,96,620
2,14,448
4,20,149
13. Extraordinary items (net of tax expense)
-
-
-
-
-
-
14. Net Profit for the period (12-13)
1,01,943
94,677
1,10,446
1,96,620
2,14,448
4,20,149
15. Minority interest
3,070
3,227
1,855
6,297
3,847
7,517
16. Share in Profit of Associates
321
382
1,034
703
1,775
3,253
17. Consolidated Net Profit of the group
(14-15+16)
99,194
91,832
1,09,625
1,91,026
2,12,376
4,15,885
18. Paid-up Equity Share Capital
(Face value ₹ 2/- per Equity Share)
49,188
49,142
49,045
49,188
49,045
49,117
19. Reserves excluding Revaluation Reserve
34,04,215
20. Analytical Ratios and Other Disclosures:
(i)
Percentage of shares held by Government of India
NIL
NIL
NIL
NIL
NIL
NIL
(ii)
Earnings per Share (EPS) (in ₹)
(a) Basic EPS (before and after extraordinary items)
4.04*
3.74*
4.48*
7.77*
8.69*
16.98
(b) Diluted EPS (before and after extraordinary items)
4.00*
3.70*
4.43*
7.70*
8.59*
16.80
(*) Not Annualised
Segment Information@
(₹ in Lakhs)
Particulars Quarter ended Half Year ended Year ended
30.09.2025 30.06.2025 30.09.2024 30.09.2025 30.09.2024 31.03.2025
Unaudited Unaudited Unaudited Unaudited Unaudited Audited
1) Segment Revenue:
Treasury 1,61,544 1,94,717 1,72,452 3,56,261 3,35,453 6,69,620
Corporate/Wholesale Banking 3,01,787 3,08,484 3,00,219 6,10,271 5,81,994 11,63,963
Retail Banking 8,35,398 8,17,234 7,99,284 16,52,632 15,70,829 32,38,694
a) Digital Banking 84,554 83,616 65,787 1,68,170 1,31,633 2,92,497
b) Other Retail Banking 7,50,844 7,33,618 7,33,497 14,84,462 14,39,196 29,46,197
Other Banking operations 13,165 9,662 8,964 22,827 15,683 34,163
Unallocated 575 278 187 853 475 2,714
Total Revenue 13,12,469 13,30,375 12,81,106 26,42,844 25,04,434 51,09,154
Less: Inter Segment Revenue 4,80,323 4,98,842 4,79,577 9,79,165 9,36,540 19,06,129
Income from Operations 8,32,146 8,31,533 8,01,529 16,63,679 15,67,894 32,03,025
2) Segment Results (net of provisions):
Treasury 28,693 39,719 28,687 68,412 53,704 96,214
Corporate/Wholesale Banking 64,230 48,556 52,390 1,12,786 1,02,230 2,29,183
Retail Banking 32,113 30,139 61,271 62,252 1,21,353 2,09,145
a) Digital Banking 2,540 2,721 2,449 5,261 8,887 (466)
b) Other Retail Banking 29,573 27,418 58,822 56,991 1,12,466 2,09,611
Other Banking operations 11,644 8,291 4,770 19,935 9,977 21,527
Unallocated 575 278 187 853 475 2,714
Profit before tax 1,37,255 1,26,983 1,47,305 2,64,238 2,87,739 5,58,783
3) Segment Assets:
Treasury 98,56,435 98,98,168 92,72,583 98,56,435 92,72,583 1,01,33,992
Corporate/Wholesale Banking 1,20,39,784 1,19,48,914 1,10,97,296 1,20,39,784 1,10,97,296 1,15,76,113
Retail Banking 1,45,52,276 1,42,67,306 1,39,11,836 1,45,52,276 1,39,11,836 1,40,25,857
a) Digital Banking 8,15,421 7,79,886 7,70,260 8,15,421 7,70,260 7,45,633
b) Other Retail Banking 1,37,36,855 1,34,87,420 1,31,41,576 1,37,36,855 1,31,41,576 1,32,80,224
Other Banking operations 4,277 5,209 6,633 4,277 6,633 3,352
Unallocated 3,03,808 3,29,830 3,46,597 3,03,808 3,46,597 2,75,877
Total 3,67,56,580 3,64,49,427 3,46,34,945 3,67,56,580 3,46,34,945 3,60,15,191
4) Segment Liabilities:
Treasury 30,81,628 34,26,143 38,44,523 30,81,628 38,44,523 38,49,103
Corporate/Wholesale Banking 37,84,513 39,80,728 32,96,544 37,84,513 32,96,544 36,92,572
Retail Banking 2,60,17,415 2,52,46,718 2,39,49,745 2,60,17,415 2,39,49,745 2,48,09,367
a) Digital Banking 21,36,064 20,16,844 16,89,858 21,36,064 16,89,858 19,13,636
b) Other Retail Banking 2,38,81,351 2,32,29,874 2,22,59,887 2,38,81,351 2,22,59,887 2,28,95,731
Other Banking operations 203 196 165 203 165 195
Unallocated 1,47,868 1,41,277 2,03,831 1,47,868 2,03,831 1,18,643
Total 3,30,31,627 3,27,95,062 3,12,94,808 3,30,31,627 3,12,94,808 3,24,69,880
5) Capital Employed 37,24,953 36,54,365 33,40,137 37,24,953 33,40,137 35,45,311
6) Total (4 + 5) 3,67,56,580 3,64,49,427 3,46,34,945 3,67,56,580 3,46,34,945 3,60,15,191
@ 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.
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.
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.
Notes:
1 Statement of Assets and Liabilities of the group as at September 30, 2025 is
given below:
(₹ in Lakhs)
Particulars As at 30.09.2025 As at 30.09.2024 As at 31.03.2025
Unaudited Unaudited Audited
CAPITAL AND LIABILITIES
Capital 49,188 49,045 49,117
Reserves and Surplus 35,77,413 32,03,626 34,04,716
Minority Interest 98,352 87,466 91,478
Deposits 2,88,86,166 2,69,06,442 2,83,48,362
Borrowings 26,93,048 32,32,503 32,59,583
Other Liabilities and Provisions 14,52,413 11,55,863 8,61,935
Total 3,67,56,580 3,46,34,945 3,60,15,191
ASSETS
Cash and Balances with Reserve Bank of India 15,37,268 16,95,288 20,36,098
Balance with Banks and Money at Call and Short Notice 8,00,068 6,36,337 11,23,615
Investments 70,29,606 64,77,610 66,05,768
Advances 2,54,86,801 2,40,13,154 2,44,99,536
Fixed Assets 1,50,755 1,14,349 1,52,755
Other Assets 17,52,082 16,98,207 15,97,419
Total 3,67,56,580 3,46,34,945 3,60,15,191
2 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.
3 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.
4 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.
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.
5 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.
6 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.
7 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.
8 Previous period's figures have been regrouped / reclassified, wherever
necessary to conform to current period's classification.
KRISHNAN VENKAT SUBRAMANIAN
Mumbai MANAGING DIRECTOR & CEO
October 18, 2025 (DIN: 00031794)
THE FEDERAL BANK LIMITED
REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101
(CIN: L65191KL1931PLC000368)
CONSOLIDATED UNAUDITED CASH FLOW STATEMENT FOR THE HALF YEAR ENDED SEPTEMBER
30, 2025
(₹ in Lakhs)
Particulars Half Year ended Half Year ended
September 30, 2025
September 30, 2024
Cash Flow from Operating Activities
Net Profit Before Taxes 2,58,644 2,85,667
Adjustments for:
Depreciation on Group's Property 15,497 13,302
(Profit) / Loss on revaluation of Investments (net) 1,597 (16,740)
Amortisation of premium / (discount) on Investments (4,130) 4,795
Provision / Charge for Non Performing Advances 77,779 35,979
Provision for Investments, Standard Assets and Contingencies 5,834 1,727
(Profit) / Loss on Sale of Fixed Assets (net) (1) 18
Profit on Sale of Investment in Associate - (708)
Employees Stock Option Expense 1,034 104
3,56,254 3,24,144
Adjustments for working capital changes:-
(Increase) / Decrease in Investments [excluding investments in Subsidiaries, 1,13,787 (15,745)
Associates and Held to Maturity Investments]
Increase in Advances (10,65,044) (22,38,104)
(Increase) / Decrease in Other Assets (1,49,033) 1,54,141
Increase in Deposits 5,37,804 16,60,941
Increase in Other Liabilities and Provisions 5,86,787 2,13,104
24,301 (2,25,663)
Direct taxes paid (net) (79,147) (79,981)
Net Cash Flow from Operating Activities 3,01,408 18,500
Cash Flow from Investing Activities
Purchase of Fixed Assets (13,503) (21,507)
Proceeds from Sale of Fixed Assets 9 141
Proceeds from sale of investment in Associate - 990
Purchase of Held to Maturity Investments (net) (5,23,367) (2,92,194)
Net Cash Used in Investing Activities (5,36,861) (3,12,570)
Cash Flow from Financing Activities
Proceeds from Issue of Share Capital 71 338
Proceeds from Share Premium (Net of Share Issue Expenses) 2,697 13,991
Increase in Minority Interest 6,737 4,951
Redemption of Subordinate Debt - (30,000)
Increase / (Decrease) in Borrowings (Excluding Subordinate Debt) (5,66,535) 7,46,541
Dividend Paid (29,504) (29,400)
Net Cash flow from / (used in) Financing Activities (5,86,534) 7,06,421
Effect of Exchange Fluctuation on Translation Reserve (390) (108)
Net Increase / (Decrease) in Cash and Cash Equivalents (8,22,377) 4,12,243
Cash and Cash Equivalents at the beginning of the period 31,59,713 19,19,382
Cash and Cash Equivalents at the end of the period 23,37,336 23,31,625
Note:
Cash and Cash Equivalents comprise of Cash in hand (including foreign currency
notes), Balances with Reserve Bank of India, Balances with banks and money at
call and short notice.
KRISHNAN VENKAT SUBRAMANIAN
Mumbai MANAGING DIRECTOR & CEO
October 18, 2025 (DIN: 00031794)
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