Federal Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

6,742.16

6,686.63

6,648.36

6,808.73

6,577.28

6,330.88

5,978.35

Income On Investments

1,168.41

1,134.62

1,150.42

1,147.42

1,135.73

1,108.25

1,032.55

Interest On Balances With Rbi Other Inter Bank Funds

110.90

150.63

119.84

112.55

107.92

102.69

98.37

Interest / Discount On Advances / Bills

5,383.40

5,322.89

5,284.82

5,463.70

5,241.96

5,026.14

4,741.89

Others

79.45

78.49

93.28

85.06

91.67

93.80

105.54

Other Income

1,082.17

1,112.98

1,005.95

916.17

963.95

915.18

753.88

Total Income

7,824.33

7,799.61

7,654.31

7,724.90

7,541.23

7,246.06

6,732.23

Interest Expended

4,246.92

4,349.80

4,270.92

4,377.39

4,210.05

4,038.90

3,783.24

Net Interest Income

2,495.24

2,336.83

2,377.44

2,431.34

2,367.23

2,291.98

2,195.11

Total Expenditure (Excl Depreciation)

1,933.24

1,893.52

1,917.99

1,778.05

1,765.82

1,706.25

1,838.64

Employee Cost

803.44

797.61

783.84

785.15

779.57

739.72

888.63

Other Operating Expenses

1,129.80

1,095.91

1,134.15

992.90

986.25

966.53

950.01

Operating Profit Before Provisions and Contingencies

1,644.17

1,556.29

1,465.40

1,569.46

1,565.36

1,500.91

1,110.35

Exceptional Items

0.00

Provisions and contingencies

363.09

400.16

138.11

292.33

158.35

144.27

-94.60

Profit Before Tax

1,281.08

1,156.13

1,327.29

1,277.13

1,407.01

1,356.64

1,204.95

Tax

325.82

294.38

297.06

321.69

350.32

347.11

298.65

Profit After Tax

955.26

861.75

1,030.23

955.44

1,056.69

1,009.53

906.30

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

955.26

861.75

1,030.23

955.44

1,056.69

1,009.53

906.30

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

3.88

3.51

4.2

3.89

4.31

4.12

3.72

Diluted Earnings per share

3.85

3.47

4.16

3.85

4.27

4.09

3.68

Operating Profit Margin (Excl OI)

65.94%

65.7%

69.07%

69.59%

70.75%

70.77%

70.83%

Gross Profit Margin

19.0%

17.29%

19.96%

18.76%

21.39%

21.43%

20.16%

PAT Margin

14.17%

12.89%

15.5%

14.03%

16.07%

15.95%

15.16%

Net Interest Margin

3.06%

2.94%

3.12%

3.11%

3.12%

3.16%

3.21%

Return on Assets

0.27%

0.25%

0.31%

0.29%

0.32%

0.3%

CASA (%)

31.01%

30.35%

30.23%

30.16%

30.07%

29.27%

29.38%

CASA Amount

89,591.00

87,236.00

85,757.00

80,345.00

80,926.00

77,884.00

74,200.00

Capital Adequacy Ratio (Total)

15.71%

16.03%

16.4%

15.16%

15.2%

15.57%

16.13%

Capital Adequacy Ratio (Tier 1)

14.37%

14.69%

15.04%

13.78%

13.82%

14.17%

14.61%

Provision Coverage Ratio (%)

73.45%

74.41%

75.37%

74.21%

71.82%

70.79%

71.08%

Amount of Gross NPAs

4,532.01

4,669.66

4,375.54

4,553.31

4,884.49

4,738.35

4,528.87

Amount of Net NPAs

1,165.16

1,157.64

1,040.38

1,131.17

1,322.29

1,330.44

1,255.33

% of Net NPAs

0.48%

0.44%

0.49%

0.57%

0.6%

% of Gross NPAs

1.83%

1.91%

1.84%

1.95%

2.09%

2.11%

2.13%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2082.0

2094.0

2080.0

2054.0

2052.0

2041.0

2015.0

Number of Branches

1595.0

1591.0

1589.0

1550.0

1533.0

1518.0

1504.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Sep 2025 is 2.51% vs 20.57% in Sep 2024

Net Profit

YoY Growth in quarter ended Sep 2025 is -9.60% vs 10.79% in Sep 2024

Operating Profit (PBDIT)

YoY Growth in quarter ended Sep 2025 is 5.03% vs 18.19% in Sep 2024

% of Net NPAs

YoY Growth in quarter ended Sep 2025 is -0.09% vs -0.07% in Sep 2024

% of Gross NPAs

YoY Growth in quarter ended Sep 2025 is -0.26% vs -0.17% in Sep 2024

Compare Quarterly Results Of Federal Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

6,742.16

11,608.63

-4,866.47

-41.92%

Income On Investments

1,168.41

1,954.53

-786.12

-40.22%

Interest On Balances With Rbi Other Inter Bank Funds

110.90

390.38

-279.48

-71.59%

Interest / Discount On Advances / Bills

5,383.40

9,193.62

-3,810.22

-41.44%

Others

79.45

70.10

9.35

13.34%

Other Income

1,082.17

1,647.96

-565.79

-34.33%

Total Income

7,824.33

13,256.59

-5,432.26

-40.98%

Interest Expended

4,246.92

7,199.26

-2,952.34

-41.01%

Net Interest Income

2,495.24

4,409.37

-1,914.13

-43.41%

Total Expenditure (Excl Depreciation)

1,933.24

4,029.33

-2,096.09

-52.02%

Employee Cost

803.44

1,267.14

-463.70

-36.59%

Other Operating Expenses

1,129.80

2,762.19

-1,632.39

-59.1%

Operating Profit Before Provisions and Contingencies

1,644.17

2,028.00

-383.83

-18.93%

Exceptional Items

0.00

Provisions and contingencies

363.09

2,622.38

-2,259.29

-86.15%

Profit Before Tax

1,281.08

-594.38

1,875.46

315.53%

Tax

325.82

-149.59

475.41

317.81%

Profit After Tax

955.26

-444.79

1,400.05

314.77%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

955.26

-444.79

1,400.05

314.77%

Face Value

2.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.88

-5.71

9.59

167.95%

Diluted Earnings per share

3.85

-5.71

9.56

167.43%

Operating Profit Margin (Excl OI)

65.94%

42.70%

0.00

23.24%

Gross Profit Margin

19.00%

-5.12%

0.00

24.12%

PAT Margin

14.17%

-3.83%

0.00

18.00%

Net Interest Margin

3.06%

0.00%

3.06

3.06%

Return on Assets

0.27%

0.00%

0.27

0.27%

CASA (%)

31.01%

0.00%

31.01

31.01%

CASA Amount

89,591.00

0.00

89,591.00

Capital Adequacy Ratio (Total)

15.71%

17.10%

-1.39

-1.39%

Capital Adequacy Ratio (Tier 1)

14.37%

15.88%

-1.51

-1.51%

Provision Coverage Ratio (%)

73.45%

0.00%

73.45

73.45%

Amount of Gross NPAs

4,532.01

0.00

4,532.01

Amount of Net NPAs

1,165.16

0.00

1,165.16

% of Net NPAs

0.48%

0.00%

0.48

0.48%

% of Gross NPAs

1.83%

0.00%

1.83

1.83%

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

2,082.00

0.00

2,082.00

Number of Branches

1,595.00

0.00

1,595.00

Quarterly - Interest Earned

Interest Earned 6742.16 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 0.83% vs 0.58% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 2.51% vs 20.57% in Sep 2024

Quarterly - Net Profit

Net Profit 955.26 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 10.85% vs -16.35% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -9.60% vs 10.79% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,644.17 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 5.65% vs 6.20% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 5.03% vs 18.19% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.48%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.00% vs 0.04% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.09% vs -0.07% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 1.83%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.08% vs 0.07% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.26% vs -0.17% in Sep 2024