Federal Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

20,296.29

19,716.89

16,209.91

12,082.89

10,177.52

10,391.57

9,813.91

Income On Investments

3,515.86

3,391.40

2,659.07

2,017.55

1,745.77

1,772.25

1,618.78

Interest On Balances With Rbi Other Inter Bank Funds

355.25

323.16

240.50

154.74

164.13

301.97

93.10

Interest / Discount On Advances / Bills

16,180.36

15,731.80

12,992.63

9,694.41

8,075.29

8,136.68

7,946.52

Others

244.82

270.53

317.71

216.19

192.33

180.67

155.51

Other Income

3,295.44

2,795.30

2,325.39

1,596.14

1,480.33

1,416.05

1,220.30

Total Income

23,591.73

22,512.19

18,535.30

13,679.03

11,657.85

11,807.62

11,034.21

Interest Expended

12,811.49

12,626.34

10,111.54

6,760.02

5,740.77

6,278.24

6,381.03

Net Interest Income

7,484.80

7,090.55

6,098.37

5,322.87

4,436.75

4,113.33

3,432.88

Total Expenditure (Excl Depreciation)

5,850.45

5,250.12

4,359.63

3,459.19

3,101.19

2,691.06

2,407.80

Employee Cost

2,449.70

2,304.44

1,936.20

1,575.78

1,683.30

1,508.95

1,253.30

Other Operating Expenses

3,400.75

2,945.68

2,423.43

1,883.41

1,417.89

1,182.11

1,154.50

Operating Profit Before Provisions and Contingencies

4,929.79

4,635.73

4,064.13

3,459.82

2,815.89

2,838.32

2,245.38

Exceptional Items

0.00

Provisions and contingencies

1,095.63

594.95

290.70

633.23

1,002.77

1,343.81

604.67

Profit Before Tax

3,834.16

4,040.78

3,773.43

2,826.59

1,813.12

1,494.51

1,640.71

Tax

975.94

1,019.12

959.13

718.61

463.84

382.02

399.16

Profit After Tax

2,858.22

3,021.66

2,814.30

2,107.98

1,349.28

1,112.49

1,241.55

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,858.22

3,021.66

2,814.30

2,107.98

1,349.28

1,112.49

1,241.55

Face Value

2.0

Reserves

0.00

Operating Profit Margin (Excl OI)

71.17%

73.37%

73.11%

71.37%

69.53%

74.1%

75.47%

Gross Profit Margin

0.0%

PAT Margin

14.08%

15.33%

17.36%

17.45%

13.26%

10.71%

12.65%

Net Interest Margin

3.18%

3.11%

3.19%

3.49%

3.27%

3.22%

3.0%

Return on Assets

0.29%

0.35%

0.33%

0.26%

0.21%

0.26%

CASA (%)

32.07%

30.16%

30.63%

34.24%

36.68%

34.48%

31.46%

CASA Amount

95,498.00

80,345.00

73,389.00

68,967.00

64,344.00

55,740.00

45,484.00

Capital Adequacy Ratio (Total)

15.2%

15.16%

15.02%

13.35%

14.37%

14.31%

13.64%

Capital Adequacy Ratio (Tier 1)

13.88%

13.78%

13.48%

12.13%

13.52%

13.0%

12.62%

Provision Coverage Ratio (%)

75.14%

74.21%

71.08%

69.19%

65.8%

77.1%

66.38%

Amount of Gross NPAs

4,446.86

4,553.31

4,628.79

4,147.85

4,401.26

3,470.18

3,618.69

Amount of Net NPAs

1,068.04

1,131.17

1,284.37

1,228.59

1,471.18

757.24

1,941.01

% of Net NPAs

0.42%

0.49%

0.64%

0.73%

1.05%

0.6%

1.63%

% of Gross NPAs

1.72%

1.95%

2.29%

2.43%

3.06%

2.71%

2.99%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2094.0

2054.0

1962.0

1896.0

1882.0

1953.0

1965.0

Number of Branches

1601.0

1550.0

1418.0

1333.0

1274.0

1272.0

1255.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 2.94% vs 21.63% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is -5.41% vs 7.37% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 6.34% vs 14.06% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.07% vs -0.15% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.23% vs -0.34% in Dec 2024

Compare Nine Monthly Results Of Federal Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

20,296.29

21,198.79

-902.50

-4.26%

Income On Investments

3,515.86

6,051.46

-2,535.60

-41.9%

Interest On Balances With Rbi Other Inter Bank Funds

355.25

683.50

-328.25

-48.02%

Interest / Discount On Advances / Bills

16,180.36

14,363.98

1,816.38

12.65%

Others

244.82

99.85

144.97

145.19%

Other Income

3,295.44

5,135.30

-1,839.86

-35.83%

Total Income

23,591.73

26,334.09

-2,742.36

-10.41%

Interest Expended

12,811.49

11,538.57

1,272.92

11.03%

Net Interest Income

7,484.80

9,660.22

-2,175.42

-22.52%

Total Expenditure (Excl Depreciation)

5,850.45

7,001.38

-1,150.93

-16.44%

Employee Cost

2,449.70

3,279.73

-830.03

-25.31%

Other Operating Expenses

3,400.75

3,721.65

-320.90

-8.62%

Operating Profit Before Provisions and Contingencies

4,929.79

7,794.14

-2,864.35

-36.75%

Exceptional Items

0.00

Provisions and contingencies

1,095.63

-1,373.65

2,469.28

179.76%

Profit Before Tax

3,834.16

9,167.79

-5,333.63

-58.18%

Tax

975.94

1,597.61

-621.67

-38.91%

Profit After Tax

2,858.22

7,570.18

-4,711.96

-62.24%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,858.22

7,570.18

-4,711.96

-62.24%

Face Value

2.00

10.00

0.00

Reserves

0.00

PAT Margin

14.08%

35.71%

0.00

-21.63%

Net Interest Margin

3.18%

3.52%

-0.34

-0.34%

Return on Assets

0.29%

0.00%

0.29

0.29%

CASA (%)

32.07%

44.60%

-12.53

-12.53%

CASA Amount

95,498.00

1,35,519.00

-40,021.00

-29.53%

Capital Adequacy Ratio (Total)

15.20%

24.63%

-9.43

-9.43%

Capital Adequacy Ratio (Tier 1)

13.88%

23.53%

-9.65

-9.65%

Provision Coverage Ratio (%)

75.14%

99.33%

-24.19

-24.19%

Amount of Gross NPAs

4,446.86

6,280.94

-1,834.08

-29.2%

Amount of Net NPAs

1,068.04

425.28

642.76

151.14%

% of Net NPAs

0.42%

0.18%

0.24

0.24%

% of Gross NPAs

1.72%

2.57%

-0.85

-0.85%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,094.00

0.00

2,094.00

Number of Branches

1,601.00

0.00

1,601.00

Nine Monthly - Interest Earned

Interest Earned 20296.29 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 2.94% vs 21.63% in Dec 2024

Nine Monthly - Net Profit

Net Profit 2,858.22 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -5.41% vs 7.37% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 4,929.79 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 6.34% vs 14.06% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.42%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.07% vs -0.15% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 1.72%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.23% vs -0.34% in Dec 2024