Balance Sheet The Federal Bank Limited

Equities

FEDERALBNK

INE171A01029

Banks

Market Closed - NSE India S.E. Other stock markets 05:19:41 16/07/2025 pm IST			5-day change	1st Jan Change
214.69 ^INR	+1.43%		+0.37%	+7.33%

04/07	The Federal Bank Launches NRE and NRO Current Accounts for NR Diaspora	MT
29/05	74,237,745 Equity Shares of Fedbank Financial Services Limited are subject to a Lock-Up Agreement Ending on 29-MAY-2025.	CI

43f5b7e4f5fb5d0690bf8a8e23fbd.fCpw-qE9jzVA_ySqprbBUAeLFcIu1-fcSIUVe8vRmmE.C3g1gO5r_FJ2zkKY7NGGYkvYfPBh4ba3As5jFL-jo1gwYwqWw1TWQB-FQw

Published financial data: THE FEDERAL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	14TCr	14TCr	14TCr	18TCr	24TCr
Interest Income, Total	14TCr	14TCr	14TCr	18TCr	24TCr
Interest On Deposits	8.68TCr	8.43TCr	7.96TCr	9.98TCr	14TCr
Interest Expense, Total	8.68TCr	8.43TCr	7.96TCr	9.98TCr	14TCr
Net Interest Income	4.91TCr	5.88TCr	6.42TCr	7.84TCr	9.07TCr
Gain (Loss) on Sale of Assets	5.17Cr	1.8Cr	5.33Cr	82.99L	8.43Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	607.92Cr	610.82Cr	307.34Cr	43Cr	294.87Cr
Total Other Non Interest Income	1.27TCr	1.35TCr	1.81TCr	2.39TCr	2.91TCr
Non Interest Income, Total	1.88TCr	1.96TCr	2.12TCr	2.44TCr	3.22TCr
Revenues Before Provison For Loan Losses	6.79TCr	7.84TCr	8.54TCr	10TCr	12TCr
Provision For Loan Losses	1.19TCr	1.73TCr	1.3TCr	798.63Cr	259.59Cr
Total Revenues	5.61TCr	6.11TCr	7.24TCr	9.47TCr	12TCr
Salaries And Other Employee Benefits	1.88TCr	2.17TCr	2.51TCr	2.44TCr	3.18TCr
Stock-Based Compensation (IS)	-	-	56.9L	1.14Cr	-
Occupancy Expense	523.49Cr	504.02Cr	590.3Cr	727.68Cr	880.55Cr
Selling General & Admin Expenses, Total	149.7Cr	147.86Cr	175.53Cr	284.49Cr	324.79Cr
(Income) Loss on Equity Invest.	-38Cr	-32Cr	-31Cr	-34Cr	-37Cr
Total Other Non Interest Expense	997.54Cr	1.07TCr	1.31TCr	1.76TCr	2.38TCr
Non Interest Expense, Total	3.51TCr	3.87TCr	4.56TCr	5.18TCr	6.73TCr
EBT, Excl. Unusual Items	2.1TCr	2.24TCr	2.68TCr	4.3TCr	5.3TCr
EBT, Incl. Unusual Items	2.1TCr	2.24TCr	2.68TCr	4.3TCr	5.3TCr
Income Tax Expense	507.2Cr	561.35Cr	680.88Cr	1.09TCr	1.33TCr
Earnings From Continuing Operations	1.59TCr	1.68TCr	2TCr	3.21TCr	3.96TCr
Net Income to Company	1.59TCr	1.68TCr	2TCr	3.21TCr	3.96TCr
Minority Interest	-10Cr	-15Cr	-27Cr	-45Cr	-84Cr
Net Income - (IS)	1.58TCr	1.66TCr	1.97TCr	3.16TCr	3.88TCr
Net Income to Common Incl Extra Items	1.58TCr	1.66TCr	1.97TCr	3.16TCr	3.88TCr
Net Income to Common Excl. Extra Items	1.58TCr	1.66TCr	1.97TCr	3.16TCr	3.88TCr
Per Share Items
Net EPS - Basic	7.94	8.34	9.52	15.01	16.76
Basic EPS - Continuing Operations	7.94	8.34	9.52	15.01	16.76
Basic Weighted Average Shares Outstanding	198.9Cr	199.45Cr	206.92Cr	210.91Cr	231.58Cr
Net EPS - Diluted	7.88	8.31	9.44	14.85	16.55
Diluted EPS - Continuing Operations	7.88	8.31	9.44	14.85	16.55
Diluted Weighted Average Shares Outstanding	200.41Cr	200.17Cr	208.56Cr	213.13Cr	234.46Cr
Normalized Basic EPS	6.54	6.95	7.96	12.52	13.94
Normalized Diluted EPS	6.49	6.92	7.9	12.39	13.76
Dividend Per Share	-	0.7	1.8	1	1.2
Payout Ratio	17.61	-	7.09	11.97	6.05
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	24.18	25.05	25.43	25.3	25.17
Current Domestic Taxes	580.58Cr	583.31Cr	845.25Cr	1.09TCr	1.23TCr
Total Current Taxes	580.58Cr	583.31Cr	845.25Cr	1.09TCr	1.23TCr
Deferred Domestic Taxes	-73Cr	-22Cr	-164.37Cr	1.25Cr	106.44Cr
Total Deferred Taxes	-73Cr	-22Cr	-164.37Cr	1.25Cr	106.44Cr
Normalized Net Income	1.3TCr	1.39TCr	1.65TCr	2.64TCr	3.23TCr
Non-Cash Pension Expense	246.31Cr	392.46Cr	182.64Cr	-191.96Cr	32Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	1.58Cr
Stock-Based Comp., Other (Total)	-	-	56.9L	1.14Cr	-
Total Stock-Based Compensation	-	-	56.9L	1.14Cr	1.58Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	7.96TCr	14TCr	13TCr	7.88TCr	8.65TCr
Investment Securities, Total	35TCr	36TCr	42TCr	52TCr	61TCr
Total investments	35TCr	36TCr	42TCr	52TCr	61TCr
Gross Loans	1,24800Cr	1,35500Cr	1,50000Cr	1,82000Cr	2,18100Cr
Net Loans	1,24800Cr	1,35500Cr	1,50000Cr	1,82000Cr	2,18100Cr
Gross Property Plant And Equipment	1.49TCr	1.59TCr	1.86TCr	2.29TCr	2.58TCr
Accumulated Depreciation	-986.23Cr	-1.08TCr	-1.19TCr	-1.32TCr	-1.51TCr
Net Property Plant And Equipment	504.81Cr	517.49Cr	672.1Cr	971.71Cr	1.06TCr
Accrued Interest Receivable	1.08TCr	1.28TCr	1.25TCr	1.68TCr	2.12TCr
Restricted Cash	4.8TCr	5.98TCr	8.29TCr	9.92TCr	11TCr
Other Current Assets, Total	1.07TCr	1.29TCr	1.42TCr	1.61TCr	1.75TCr
Deferred Tax Assets Long-Term (Collected)	-	5.88Cr	161.51Cr	119.61Cr	17Cr
Other Real Estate Owned And Foreclosed	2.44Cr	1.63Cr	39.36L	29.26L	29.26L
Other Long-Term Assets, Total	8.37TCr	10TCr	9.33TCr	12TCr	14TCr
Total Assets	1,83400Cr	2,05000Cr	2,26200Cr	2,68000Cr	3,17800Cr
Liabilities
Interest Bearing Deposits	1,44100Cr	1,60400Cr	1,67300Cr	1,97600Cr	2,35700Cr
Non-Interest Bearing Deposits	8.2TCr	12TCr	14TCr	15TCr	17TCr
Total Deposits	1,52300Cr	1,72200Cr	1,81700Cr	2,13000Cr	2,52500Cr
Long-Term Debt	13TCr	12TCr	20TCr	26TCr	25TCr
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	310.49Cr	247.23Cr	283.43Cr	631.43Cr	733.9Cr
Other Current Liabilities - (Bank / Utility Template)	180.39Cr	498.08Cr	617.55Cr	625.46Cr	653.58Cr
Deferred Tax Liability Non-Current	6.62Cr	-	-	-	-
Other Non Current Liabilities	3.07TCr	3.05TCr	4.51TCr	5.42TCr	7.91TCr
Total Liabilities	1,68400Cr	1,88200Cr	2,06700Cr	2,45500Cr	2,86900Cr
Common Stock, Total	398.53Cr	399.23Cr	420.51Cr	423.24Cr	487.07Cr
Additional Paid In Capital	5.32TCr	5.33TCr	6.24TCr	6.34TCr	11TCr
Retained Earnings	8.4TCr	9.91TCr	12TCr	14TCr	18TCr
Comprehensive Income and Other	705.68Cr	861.03Cr	945.85Cr	943.3Cr	1.09TCr
Total Common Equity	15TCr	17TCr	19TCr	22TCr	30TCr
Minority Interest	180.96Cr	216.73Cr	305.33Cr	351.97Cr	820.48Cr
Total Equity	15TCr	17TCr	20TCr	22TCr	31TCr
Total Liabilities And Equity	1,83400Cr	2,05000Cr	2,26200Cr	2,68000Cr	3,17800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	199.27Cr	199.63Cr	210.25Cr	211.82Cr	243.54Cr
ECS Total Common Shares Outstanding	199.27Cr	199.62Cr	210.25Cr	211.62Cr	243.54Cr
Book Value / Share	74.38	82.67	91.58	104.54	123.62
Tangible Book Value	15TCr	17TCr	19TCr	22TCr	30TCr
Tangible Book Value Per Share	74.38	82.67	91.58	104.54	123.62
Average Loans	1,14100Cr	1,23300Cr	1,34500Cr	1,57600Cr	-
Total Debt	13TCr	12TCr	20TCr	26TCr	25TCr
Deposits at Interest - Cash	5.16TCr	10TCr	9.8TCr	5.64TCr	6.23TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	74Cr	-9.79Cr	-98Cr	-17Cr	239.82Cr
Net Debt	-2.29TCr	-11TCr	-4.79TCr	4.65TCr	4.88TCr
Equity Method Investments, Total	251.93Cr	299.05Cr	304.82Cr	330.93Cr	351.28Cr
Full Time Employees	12.5T	12.59T	12.64T	12.91T	14.6T
Part Time Employees	-	-	-	543	608
Number Of Offices	1.26T	1.27T	1.28T	1.36T	1.5T

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	1.58TCr	1.66TCr	1.97TCr	3.16TCr	3.88TCr
Depreciation, Depletion & Amortization	125.73Cr	114.92Cr	138.9Cr	182.18Cr	233.95Cr
Total Depreciation, Depletion & Amortization	125.73Cr	114.92Cr	138.9Cr	182.18Cr	233.95Cr
(Gain) Loss On Sale of Asset - (CF)	-5.17Cr	-1.8Cr	-5.33Cr	-82.99L	-107.55Cr
(Gain) Loss on Sale of Investments - (CF)	137.51Cr	156.92Cr	249.85Cr	215.21Cr	145.55Cr
Restructuring Activities	-10Cr	-1.6Cr	-	-	-
Provision for Credit Losses	1.13TCr	1.71TCr	1.31TCr	805.31Cr	258.32Cr
(Income) Loss On Equity Investments - (CF)	-38Cr	-32Cr	-	-	-
Stock-Based Compensation (CF)	-	-	56.9L	1.14Cr	1.58Cr
Change in Other Net Operating Assets (Collected)	-16TCr	-12TCr	-21TCr	-35TCr	-37TCr
Other Operating Activities	-189.51Cr	-58Cr	-212.4Cr	-124.87Cr	10Cr
Cash from Operations	-14TCr	-8.76TCr	-17TCr	-31TCr	-33TCr
Capital Expenditure	-154.46Cr	-129.93Cr	-295.52Cr	-484.02Cr	-327.92Cr
Sale of Property, Plant, and Equipment	9.03Cr	4.13Cr	7.34Cr	3.07Cr	11Cr
Cash Acquisitions	-64Cr	59Cr	-	-	-
Divestitures	-	-	-	-	99Cr
Investment in Marketable and Equity Securities, Total	-4.48TCr	-3.85TCr	1.2TCr	-9.36TCr	-8.69TCr
Cash from Investing	-4.69TCr	-3.91TCr	907.73Cr	-9.84TCr	-8.91TCr
Long-Term Debt Issued, Total	3.82TCr	-	7.32TCr	6.27TCr	200Cr
Total Debt Issued	3.82TCr	-	7.32TCr	6.27TCr	200Cr
Long-Term Debt Repaid, Total	-	-257.12Cr	-	-	-902.36Cr
Total Debt Repaid	-	-257.12Cr	-	-	-902.36Cr
Issuance of Common Stock	84Cr	14Cr	927.01Cr	96Cr	4.39TCr
Common Dividends Paid	-278.22Cr	-	-139.74Cr	-378.66Cr	-234.91Cr
Common & Preferred Stock Dividends Paid	-278.22Cr	-	-139.74Cr	-378.66Cr	-234.91Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	17TCr	20TCr	9.49TCr	31TCr	39TCr
Other Financing Activities, Total	34Cr	36Cr	89Cr	46Cr	414.27Cr
Cash from Financing	21TCr	20TCr	18TCr	37TCr	43TCr
Foreign Exchange Rate Adjustments	4.37Cr	1.91Cr	-6.35Cr	-16Cr	-3.79Cr
Net Change in Cash	2.7TCr	7.06TCr	1.32TCr	-3.33TCr	1.39TCr
Supplemental Items
Cash Interest Paid	54L	1.4Cr	44L	77L	75L
Cash Income Tax Paid (Refund)	758.26Cr	628.71Cr	893.28Cr	1.21TCr	1.32TCr
Net Debt Issued / Repaid	3.82TCr	-257.12Cr	7.32TCr	6.27TCr	-702.36Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.92	0.86	0.93	1.3	1.35
Return On Equity %	11.13	10.59	11	15.27	14.85
Return on Common Equity	11.16	10.63	11.02	15.3	14.86
Shareholders Value Added	-119.04Cr	-215.14Cr	-175.78Cr	682.04Cr	746.76Cr
Margin Analysis
SG&A Margin	48.01	49.4	48.24	38.88	38.83
Net Interest Income / Total Revenues %	87.61	96.26	88.72	82.71	75.42
EBT Excl. Non-Recurring Items Margin %	37.41	36.69	36.99	45.36	44.04
Income From Continuing Operations Margin %	28.37	27.5	27.58	33.88	32.96
Net Income Margin %	28.18	27.25	27.21	33.4	32.26
Net Avail. For Common Margin %	28.18	27.25	27.21	33.4	32.26
Normalized Net Income Margin	23.2	22.68	22.75	27.87	26.83
Asset quality
Nonperforming Loans / Total Loans %	2.83	3.4	2.76	2.3	2.08
Nonperforming Loans / Total Assets %	1.93	2.25	1.83	1.56	1.42
Nonperforming Assets / Total Assets %	1.93	2.25	1.83	1.56	1.42
NPAs / Loans and OREO	2.83	3.4	2.76	2.3	2.08
NPAs / Equity	23.53	27.53	21.15	18.62	14.64
Net Charge-offs / Total Average Loans %	0.6	0.26	0.47	0.15	-
Provision for Loan Losses / Net Charge-offs %	174.09	546.53	206.25	340.86	-253.91
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.23	8.07	8.29	8.37	8.91
Total Average Equity / Total Average Assets %	8.31	8.17	8.41	8.5	9.12
Total Equity + Allowance for Loan Losses / Total Loans %	11.87	12.18	12.84	12.16	13.8
Gross Loans / Total Deposits %	82	78.7	82.54	85.43	86.4
Net Loans / Total Deposits %	82	78.7	82.54	85.43	86.4
Tier 1 Capital Ratio %	13.58	14.2	14.77	13.31	14.82
Total Capital Ratio %	14.63	15.19	16.33	15.24	16.45
Core Tier 1 Capital Ratio	13.58	14.2	14.77	13.31	14.82
Tier 2 Capital Ratio	1.05	0.99	1.56	1.94	1.63
Interbank Ratio	58.87	139.89	90.69	54.48	89.63
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.24	1.27	1.34	1.43	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	13.73	19.69	9.24	22.02	15.75
Non Interest Income, 1 Yr. Growth %	40.94	4.04	7.57	14.87	32.03
Provision For Loan Losses, 1 Yr. Growth %	38.43	45.7	-25.17	-38.79	-67.5
Total Revenues, 1 Yr. Growth %	16.89	8.93	18.52	30.89	26.95
Earnings From Cont. Operations, 1 Yr. Growth %	20.67	5.6	18.87	60.78	23.5
Net Income, 1 Yr. Growth %	20.05	5.32	18.35	60.66	22.62
Normalized Net Income, 1 Yr. Growth %	4.44	6.5	18.86	60.35	22.22
Diluted EPS Before Extra, 1 Yr. Growth %	19.39	5.46	13.6	57.31	11.45
Dividend Per Share, 1 Yr. Growth %	-	-	157.14	-44.44	20
Gross Loans, 1 Yr. Growth %	11.94	8.54	10.65	21.34	19.87
Net Loans, 1 Yr. Growth %	11.94	8.54	10.65	21.34	19.87
Non Performing Loans, 1 Yr. Growth %	8.28	30.35	-10.12	1.14	8.25
Non Performing Assets, 1 Yr. Growth %	8.28	30.35	-10.12	1.14	8.25
Total Assets, 1 Yr. Growth %	14.2	11.79	10.38	18.46	18.59
Total Deposits, 1 Yr Growth %	12.88	13.09	5.51	17.23	18.53
Tangible Book Value, 1 Yr. Growth %	9.81	11.33	16.67	14.89	36.09
Common Equity, 1 Yr. Growth %	9.81	11.33	16.67	14.89	36.09
Total Equity, 1 Yr. Growth %	10.49	11.44	16.98	14.89	37.6
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	15.4	16.67	14.34	15.45	18.85
Non Interest Income, 2 Yr. CAGR %	27.36	21.09	6.16	11.16	23.15
Provision For Loan Losses, 2 Yr. CAGR %	11.75	42.02	4.83	-32.32	-55.39
Total Revenues, 2 Yr. CAGR %	19.93	12.84	13.62	24.55	28.9
Earnings From Cont. Operations, 2 Yr. CAGR %	30.39	12.88	12.04	38.24	40.91
Net Income, 2 Yr. CAGR %	29.97	12.45	11.65	37.89	40.36
Normalized Net Income, 2 Yr. CAGR %	21.11	5.46	12.51	38.06	40
Diluted EPS Before Extra, 2 Yr. CAGR %	27.33	12.21	9.45	33.68	32.41
Dividend Per Share, 2 Yr. CAGR %	-	-29.29	-	19.52	-18.35
Gross Loans, 2 Yr. CAGR %	15.86	10.23	9.59	15.88	20.6
Net Loans, 2 Yr. CAGR %	15.86	10.23	9.59	15.88	20.6
Non Performing Loans, 2 Yr. CAGR %	12.38	18.81	8.24	-4.66	4.63
Non Performing Assets, 2 Yr. CAGR %	12.38	18.81	8.24	-4.66	4.63
Total Assets, 2 Yr. CAGR %	14.76	12.99	11.08	14.35	18.53
Total Deposits, 2 Yr CAGR %	16.61	12.99	9.24	11.22	17.88
Tangible Book Value, 2 Yr. CAGR %	9.89	10.57	13.98	15.78	25.04
Common Equity, 2 Yr. CAGR %	9.89	10.57	13.98	15.78	25.04
Total Equity, 2 Yr. CAGR %	10.56	10.96	14.18	15.93	25.74
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	16.2	16.81	14.14	16.85	15.55
Non Interest Income, 3 Yr. CAGR %	20.19	19.06	16.68	8.99	17.72
Provision For Loan Losses, 3 Yr. CAGR %	24.18	22.08	15.01	-12.38	-47
Total Revenues, 3 Yr. CAGR %	15.97	16.15	14.7	19.11	25.35
Earnings From Cont. Operations, 3 Yr. CAGR %	22.42	21.54	14.84	26.37	33.14
Net Income, 3 Yr. CAGR %	22.16	21.17	14.38	26.05	32.6
Normalized Net Income, 3 Yr. CAGR %	15.36	16.03	9.75	26.62	32.57
Diluted EPS Before Extra, 3 Yr. CAGR %	16.68	19.58	12.67	23.52	25.82
Dividend Per Share, 3 Yr. CAGR %	-	-11.21	8.74	-	19.68
Gross Loans, 3 Yr. CAGR %	19	13.37	10.37	13.38	17.19
Net Loans, 3 Yr. CAGR %	19	13.37	10.37	13.38	17.19
Non Performing Loans, 3 Yr. CAGR %	26.92	18.08	8.26	5.82	-0.54
Non Performing Assets, 3 Yr. CAGR %	26.92	18.08	8.26	5.82	-0.54
Total Assets, 3 Yr. CAGR %	16.66	13.76	12.11	13.49	15.75
Total Deposits, 3 Yr CAGR %	15.95	15.42	10.44	11.84	13.6
Tangible Book Value, 3 Yr. CAGR %	18.31	10.37	12.57	14.28	22.19
Common Equity, 3 Yr. CAGR %	18.31	10.37	12.57	14.28	22.19
Total Equity, 3 Yr. CAGR %	18.79	10.85	12.94	14.42	22.75
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	15.1	18.03	15.45	16.27	16
Non Interest Income, 5 Yr. CAGR %	16.46	19.35	14.37	15.99	19.22
Provision For Loan Losses, 5 Yr. CAGR %	62.37	19.66	16.04	-3.43	-21.26
Total Revenues, 5 Yr. CAGR %	11.84	17.99	15.03	19.44	20.18
Earnings From Cont. Operations, 5 Yr. CAGR %	8.5	28.13	18.16	27.97	24.63
Net Income, 5 Yr. CAGR %	8.36	27.89	17.84	27.6	24.14
Normalized Net Income, 5 Yr. CAGR %	5.73	24.63	14.22	24.38	20.98
Diluted EPS Before Extra, 5 Yr. CAGR %	5.19	24.13	13.74	25.03	20.19
Dividend Per Share, 5 Yr. CAGR %	-	0	14.87	0	-3.04
Gross Loans, 5 Yr. CAGR %	19.36	18.33	15.14	14.36	14.35
Net Loans, 5 Yr. CAGR %	19.36	18.33	15.14	14.36	14.35
Non Performing Loans, 5 Yr. CAGR %	27.26	22.51	19.09	8.4	6.79
Non Performing Assets, 5 Yr. CAGR %	27.26	22.51	19.09	8.4	6.79
Total Assets, 5 Yr. CAGR %	17.2	16.7	14.4	14	14.64
Total Deposits, 5 Yr CAGR %	16.54	16.81	13.22	13.72	13.36
Tangible Book Value, 5 Yr. CAGR %	13.99	15.4	16.56	12.5	17.4
Common Equity, 5 Yr. CAGR %	13.99	15.4	16.56	12.5	17.4
Total Equity, 5 Yr. CAGR %	14.27	15.7	16.92	12.86	17.89