Financial Ratios The Federal Bank Limited

Equities

FEDERALBNK

INE171A01029

Banks

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7c442598a84329ed1b300dc176.WWo5FXti39fSMaEIdNfjQfLVGVtXISGRCg27wiKnI98.GFl7Xzlbpq2bRuNLPaKFErmUfQ1nQG3IQXrt73jRRIc4HV9yGDCrsutizg

Published financial data: THE FEDERAL BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	14TCr	14TCr	18TCr	24TCr	28TCr
Interest Income, Total	14TCr	14TCr	18TCr	24TCr	28TCr
Interest On Deposits	8.43TCr	7.96TCr	9.98TCr	14TCr	18TCr
Interest Expense, Total	8.43TCr	7.96TCr	9.98TCr	14TCr	18TCr
Net Interest Income	5.88TCr	6.42TCr	7.84TCr	9.07TCr	10TCr
Gain (Loss) on Sale of Assets	1.8Cr	5.33Cr	82.99L	8.43Cr	2.18Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	610.82Cr	307.34Cr	43Cr	294.87Cr	400.81Cr
Total Other Non Interest Income	1.35TCr	1.81TCr	2.39TCr	2.91TCr	3.52TCr
Non Interest Income, Total	1.96TCr	2.12TCr	2.44TCr	3.22TCr	3.92TCr
Revenues Before Provison For Loan Losses	7.84TCr	8.54TCr	10TCr	12TCr	14TCr
Provision For Loan Losses	1.73TCr	1.3TCr	798.63Cr	259.59Cr	919.21Cr
Total Revenues	6.11TCr	7.24TCr	9.47TCr	12TCr	13TCr
Salaries And Other Employee Benefits	2.17TCr	2.51TCr	2.44TCr	3.18TCr	3.54TCr
Stock-Based Compensation (IS)	-	56.9L	1.14Cr	-	8.49Cr
Occupancy Expense	504.02Cr	590.3Cr	727.68Cr	880.55Cr	893.1Cr
Selling General & Admin Expenses, Total	147.86Cr	175.53Cr	284.49Cr	324.79Cr	400.68Cr
(Income) Loss on Equity Invest.	-32Cr	-31Cr	-34Cr	-37Cr	-33Cr
Total Other Non Interest Expense	1.07TCr	1.31TCr	1.76TCr	2.38TCr	3.05TCr
Non Interest Expense, Total	3.87TCr	4.56TCr	5.18TCr	6.73TCr	7.86TCr
EBT, Excl. Unusual Items	2.24TCr	2.68TCr	4.3TCr	5.3TCr	5.62TCr
EBT, Incl. Unusual Items	2.24TCr	2.68TCr	4.3TCr	5.3TCr	5.62TCr
Income Tax Expense	561.35Cr	680.88Cr	1.09TCr	1.33TCr	1.39TCr
Earnings From Continuing Operations	1.68TCr	2TCr	3.21TCr	3.96TCr	4.23TCr
Net Income to Company	1.68TCr	2TCr	3.21TCr	3.96TCr	4.23TCr
Minority Interest	-15Cr	-27Cr	-45Cr	-84Cr	-75Cr
Net Income - (IS)	1.66TCr	1.97TCr	3.16TCr	3.88TCr	4.16TCr
Net Income to Common Incl Extra Items	1.66TCr	1.97TCr	3.16TCr	3.88TCr	4.16TCr
Net Income to Common Excl. Extra Items	1.66TCr	1.97TCr	3.16TCr	3.88TCr	4.16TCr
Per Share Items
Net EPS - Basic	8.34	9.52	15.01	16.76	16.98
Basic EPS - Continuing Operations	8.34	9.52	15.01	16.76	16.98
Basic Weighted Average Shares Outstanding	199.45Cr	206.92Cr	210.91Cr	231.58Cr	244.95Cr
Net EPS - Diluted	8.31	9.44	14.85	16.55	16.8
Diluted EPS - Continuing Operations	8.31	9.44	14.85	16.55	16.8
Diluted Weighted Average Shares Outstanding	200.17Cr	208.56Cr	213.13Cr	234.46Cr	247.57Cr
Normalized Basic EPS	6.95	7.96	12.52	13.94	14.03
Normalized Diluted EPS	6.92	7.9	12.39	13.76	13.89
Dividend Per Share	0.7	1.8	1	1.2	1.2
Payout Ratio	-	7.09	11.97	6.05	7.07
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	25.05	25.43	25.3	25.17	24.67
Current Domestic Taxes	583.31Cr	845.25Cr	1.09TCr	1.23TCr	1.39TCr
Total Current Taxes	583.31Cr	845.25Cr	1.09TCr	1.23TCr	1.39TCr
Deferred Domestic Taxes	-22Cr	-164.37Cr	1.25Cr	106.44Cr	-36L
Total Deferred Taxes	-22Cr	-164.37Cr	1.25Cr	106.44Cr	-36L
Normalized Net Income	1.39TCr	1.65TCr	2.64TCr	3.23TCr	3.44TCr
Non-Cash Pension Expense	392.46Cr	182.64Cr	-191.96Cr	32Cr	-56Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	1.58Cr	-
Stock-Based Comp., Other (Total)	-	56.9L	1.14Cr	-	8.49Cr
Total Stock-Based Compensation	-	56.9L	1.14Cr	1.58Cr	8.49Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	14TCr	13TCr	7.88TCr	8.65TCr	20TCr
Investment Securities, Total	36TCr	42TCr	52TCr	61TCr	65TCr
Total investments	36TCr	42TCr	52TCr	61TCr	65TCr
Gross Loans	1,35500Cr	1,50000Cr	1,82000Cr	2,18100Cr	2,45000Cr
Net Loans	1,35500Cr	1,50000Cr	1,82000Cr	2,18100Cr	2,45000Cr
Gross Property Plant And Equipment	1.59TCr	1.86TCr	2.29TCr	2.58TCr	3.3TCr
Accumulated Depreciation	-1.08TCr	-1.19TCr	-1.32TCr	-1.51TCr	-1.77TCr
Net Property Plant And Equipment	517.49Cr	672.1Cr	971.71Cr	1.06TCr	1.53TCr
Accrued Interest Receivable	1.28TCr	1.25TCr	1.68TCr	2.12TCr	2.41TCr
Restricted Cash	5.98TCr	8.29TCr	9.92TCr	11TCr	11TCr
Other Current Assets, Total	1.29TCr	1.42TCr	1.61TCr	1.75TCr	1.73TCr
Deferred Tax Assets Long-Term (Collected)	5.88Cr	161.51Cr	119.61Cr	17Cr	-
Other Real Estate Owned And Foreclosed	1.63Cr	39.36L	29.26L	29.26L	29.26L
Other Long-Term Assets, Total	10TCr	9.33TCr	12TCr	14TCr	13TCr
Total Assets	2,05000Cr	2,26200Cr	2,68000Cr	3,17800Cr	3,60200Cr
Liabilities
Interest Bearing Deposits	1,60400Cr	1,67300Cr	1,97600Cr	2,35700Cr	86TCr
Non-Interest Bearing Deposits	12TCr	14TCr	15TCr	17TCr	1,97300Cr
Total Deposits	1,72200Cr	1,81700Cr	2,13000Cr	2,52500Cr	2,83500Cr
Long-Term Debt	12TCr	20TCr	26TCr	25TCr	33TCr
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	247.23Cr	283.43Cr	631.43Cr	733.9Cr	899.1Cr
Other Current Liabilities - (Bank / Utility Template)	498.08Cr	617.55Cr	625.46Cr	653.58Cr	522.98Cr
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	3.05TCr	4.51TCr	5.42TCr	7.91TCr	7.2TCr
Total Liabilities	1,88200Cr	2,06700Cr	2,45500Cr	2,86900Cr	3,24700Cr
Common Stock, Total	399.23Cr	420.51Cr	423.24Cr	487.07Cr	491.17Cr
Additional Paid In Capital	5.33TCr	6.24TCr	6.34TCr	11TCr	11TCr
Retained Earnings	9.91TCr	12TCr	14TCr	18TCr	22TCr
Comprehensive Income and Other	861.03Cr	945.85Cr	943.3Cr	1.09TCr	1.64TCr
Total Common Equity	17TCr	19TCr	22TCr	30TCr	35TCr
Minority Interest	216.73Cr	305.33Cr	351.97Cr	820.48Cr	914.78Cr
Total Equity	17TCr	20TCr	22TCr	31TCr	35TCr
Total Liabilities And Equity	2,05000Cr	2,26200Cr	2,68000Cr	3,17800Cr	3,60200Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	199.63Cr	210.25Cr	211.82Cr	243.54Cr	245.58Cr
ECS Total Common Shares Outstanding	199.62Cr	210.25Cr	211.62Cr	243.54Cr	245.58Cr
Book Value / Share	82.67	91.58	104.54	123.62	140.64
Tangible Book Value	17TCr	19TCr	22TCr	30TCr	35TCr
Tangible Book Value Per Share	82.67	91.58	104.54	123.62	140.64
Average Loans	1,23300Cr	1,34500Cr	1,57600Cr	-	-
Total Debt	12TCr	20TCr	26TCr	25TCr	33TCr
Deposits at Interest - Cash	10TCr	9.8TCr	5.64TCr	6.23TCr	18TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-9.79Cr	-98Cr	-17Cr	239.82Cr	-19Cr
Net Debt	-11TCr	-4.79TCr	4.65TCr	4.88TCr	3.49TCr
Equity Method Investments, Total	299.05Cr	304.82Cr	330.93Cr	351.28Cr	309.3Cr
Full Time Employees	12.59T	12.64T	12.91T	14.6T	15.54T
Part Time Employees	-	-	543	608	566
Number Of Offices	1.27T	1.28T	1.36T	1.5T	1.59T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	1.66TCr	1.97TCr	3.16TCr	3.88TCr	4.16TCr
Depreciation, Depletion & Amortization	114.92Cr	138.9Cr	182.18Cr	233.95Cr	288.45Cr
Total Depreciation, Depletion & Amortization	114.92Cr	138.9Cr	182.18Cr	233.95Cr	288.45Cr
(Gain) Loss On Sale of Asset - (CF)	-1.8Cr	-5.33Cr	-82.99L	-107.55Cr	-2.18Cr
(Gain) Loss on Sale of Investments - (CF)	156.92Cr	249.85Cr	215.21Cr	145.55Cr	-275.74Cr
Restructuring Activities	-1.6Cr	-	-	-	-
Provision for Credit Losses	1.71TCr	1.31TCr	805.31Cr	258.32Cr	926.8Cr
(Income) Loss On Equity Investments - (CF)	-32Cr	-	-	-	-
Stock-Based Compensation (CF)	-	56.9L	1.14Cr	1.58Cr	8.49Cr
Change in Other Net Operating Assets (Collected)	-12TCr	-21TCr	-35TCr	-37TCr	-27TCr
Other Operating Activities	-58Cr	-212.4Cr	-124.87Cr	10Cr	45Cr
Cash from Operations	-8.76TCr	-17TCr	-31TCr	-33TCr	-22TCr
Capital Expenditure	-129.93Cr	-295.52Cr	-484.02Cr	-327.92Cr	-754.65Cr
Sale of Property, Plant, and Equipment	4.13Cr	7.34Cr	3.07Cr	11Cr	3.86Cr
Cash Acquisitions	59Cr	-	-	-	-
Divestitures	-	-	-	99Cr	-
Investment in Marketable and Equity Securities, Total	-3.85TCr	1.2TCr	-9.36TCr	-8.69TCr	-3.04TCr
Cash from Investing	-3.91TCr	907.73Cr	-9.84TCr	-8.91TCr	-3.79TCr
Long-Term Debt Issued, Total	-	7.32TCr	6.27TCr	200Cr	7.74TCr
Total Debt Issued	-	7.32TCr	6.27TCr	200Cr	7.74TCr
Long-Term Debt Repaid, Total	-257.12Cr	-	-	-902.36Cr	-300Cr
Total Debt Repaid	-257.12Cr	-	-	-902.36Cr	-300Cr
Issuance of Common Stock	14Cr	927.01Cr	96Cr	4.39TCr	168.4Cr
Common Dividends Paid	-	-139.74Cr	-378.66Cr	-234.91Cr	-294Cr
Common & Preferred Stock Dividends Paid	-	-139.74Cr	-378.66Cr	-234.91Cr	-294Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	20TCr	9.49TCr	31TCr	39TCr	31TCr
Other Financing Activities, Total	36Cr	89Cr	46Cr	414.27Cr	90Cr
Cash from Financing	20TCr	18TCr	37TCr	43TCr	38TCr
Foreign Exchange Rate Adjustments	1.91Cr	-6.35Cr	-16Cr	-3.79Cr	-4.28Cr
Net Change in Cash	7.06TCr	1.32TCr	-3.33TCr	1.39TCr	12TCr
Supplemental Items
Cash Interest Paid	1.4Cr	44L	77L	75L	75L
Cash Income Tax Paid (Refund)	628.71Cr	893.28Cr	1.21TCr	1.32TCr	1.34TCr
Net Debt Issued / Repaid	-257.12Cr	7.32TCr	6.27TCr	-702.36Cr	7.44TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.86	0.93	1.3	1.35	1.25
Return On Equity %	10.59	11	15.27	14.85	12.76
Return on Common Equity	10.63	11.02	15.3	14.86	12.87
Shareholders Value Added	-215.14Cr	-175.78Cr	682.04Cr	746.76Cr	280.23Cr
Margin Analysis
SG&A Margin	49.4	48.24	38.88	38.83	38.47
Net Interest Income / Total Revenues %	96.26	88.72	82.71	75.42	77.71
EBT Excl. Non-Recurring Items Margin %	36.69	36.99	45.36	44.04	41.69
Income From Continuing Operations Margin %	27.5	27.58	33.88	32.96	31.41
Net Income Margin %	27.25	27.21	33.4	32.26	30.85
Net Avail. For Common Margin %	27.25	27.21	33.4	32.26	30.85
Normalized Net Income Margin	22.68	22.75	27.87	26.83	25.5
Asset quality
Nonperforming Loans / Total Loans %	3.4	2.76	2.3	2.08	1.79
Nonperforming Loans / Total Assets %	2.25	1.83	1.56	1.42	1.21
Nonperforming Assets / Total Assets %	2.25	1.83	1.56	1.42	1.21
NPAs / Loans and OREO	3.4	2.76	2.3	2.08	1.79
NPAs / Equity	27.53	21.15	18.62	14.64	12.34
Net Charge-offs / Total Average Loans %	0.26	0.47	0.15	-	-
Provision for Loan Losses / Net Charge-offs %	546.53	206.25	340.86	-253.91	167.95
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.07	8.29	8.37	8.91	9.53
Total Average Equity / Total Average Assets %	8.17	8.41	8.5	9.12	9.79
Total Equity + Allowance for Loan Losses / Total Loans %	12.18	12.84	12.16	13.8	14.1
Gross Loans / Total Deposits %	78.7	82.54	85.43	86.4	86.42
Net Loans / Total Deposits %	78.7	82.54	85.43	86.4	86.42
Tier 1 Capital Ratio %	14.2	14.77	13.31	14.82	15.34
Total Capital Ratio %	15.19	16.33	15.24	16.45	16.84
Core Tier 1 Capital Ratio	14.2	14.77	13.31	14.82	15.34
Tier 2 Capital Ratio	0.99	1.56	1.94	1.63	1.5
Interbank Ratio	139.89	90.69	54.48	89.63	101.24
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.27	1.34	1.43	1.37	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	19.69	9.24	22.02	15.75	15.48
Non Interest Income, 1 Yr. Growth %	4.04	7.57	14.87	32.03	22
Provision For Loan Losses, 1 Yr. Growth %	45.7	-25.17	-38.79	-67.5	254.11
Total Revenues, 1 Yr. Growth %	8.93	18.52	30.89	26.95	12.07
Earnings From Cont. Operations, 1 Yr. Growth %	5.6	18.87	60.78	23.5	6.81
Net Income, 1 Yr. Growth %	5.32	18.35	60.66	22.62	7.17
Normalized Net Income, 1 Yr. Growth %	6.5	18.86	60.35	22.22	6.51
Diluted EPS Before Extra, 1 Yr. Growth %	5.46	13.6	57.31	11.45	1.51
Dividend Per Share, 1 Yr. Growth %	-	157.14	-44.44	20	0
Gross Loans, 1 Yr. Growth %	8.54	10.65	21.34	19.87	12.33
Net Loans, 1 Yr. Growth %	8.54	10.65	21.34	19.87	12.33
Non Performing Loans, 1 Yr. Growth %	30.35	-10.12	1.14	8.25	-3.39
Non Performing Assets, 1 Yr. Growth %	30.35	-10.12	1.14	8.25	-3.39
Total Assets, 1 Yr. Growth %	11.79	10.38	18.46	18.59	13.31
Total Deposits, 1 Yr Growth %	13.09	5.51	17.23	18.53	12.29
Tangible Book Value, 1 Yr. Growth %	11.33	16.67	14.89	36.09	14.72
Common Equity, 1 Yr. Growth %	11.33	16.67	14.89	36.09	14.72
Total Equity, 1 Yr. Growth %	11.44	16.98	14.89	37.6	14.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.67	14.34	15.45	18.85	15.61
Non Interest Income, 2 Yr. CAGR %	21.09	6.16	11.16	23.15	26.92
Provision For Loan Losses, 2 Yr. CAGR %	42.02	4.83	-32.32	-55.39	7.28
Total Revenues, 2 Yr. CAGR %	12.84	13.62	24.55	28.9	19.28
Earnings From Cont. Operations, 2 Yr. CAGR %	12.88	12.04	38.24	40.91	14.85
Net Income, 2 Yr. CAGR %	12.45	11.65	37.89	40.36	14.64
Normalized Net Income, 2 Yr. CAGR %	5.46	12.51	38.06	40	14.1
Diluted EPS Before Extra, 2 Yr. CAGR %	12.21	9.45	33.68	32.41	6.36
Dividend Per Share, 2 Yr. CAGR %	-29.29	-	19.52	-18.35	9.54
Gross Loans, 2 Yr. CAGR %	10.23	9.59	15.88	20.6	16.04
Net Loans, 2 Yr. CAGR %	10.23	9.59	15.88	20.6	16.04
Non Performing Loans, 2 Yr. CAGR %	18.81	8.24	-4.66	4.63	2.27
Non Performing Assets, 2 Yr. CAGR %	18.81	8.24	-4.66	4.63	2.27
Total Assets, 2 Yr. CAGR %	12.99	11.08	14.35	18.53	15.92
Total Deposits, 2 Yr CAGR %	12.99	9.24	11.22	17.88	15.37
Tangible Book Value, 2 Yr. CAGR %	10.57	13.98	15.78	25.04	24.95
Common Equity, 2 Yr. CAGR %	10.57	13.98	15.78	25.04	24.95
Total Equity, 2 Yr. CAGR %	10.96	14.18	15.93	25.74	25.6
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	16.81	14.14	16.85	15.55	17.71
Non Interest Income, 3 Yr. CAGR %	19.06	16.68	8.99	17.72	22.76
Provision For Loan Losses, 3 Yr. CAGR %	22.08	15.01	-12.38	-47	-11.02
Total Revenues, 3 Yr. CAGR %	16.15	14.7	19.11	25.35	23.03
Earnings From Cont. Operations, 3 Yr. CAGR %	21.54	14.84	26.37	33.14	28.48
Net Income, 3 Yr. CAGR %	21.17	14.38	26.05	32.6	28.29
Normalized Net Income, 3 Yr. CAGR %	16.03	9.75	26.62	32.57	27.8
Diluted EPS Before Extra, 3 Yr. CAGR %	19.58	12.67	23.52	25.82	21.18
Dividend Per Share, 3 Yr. CAGR %	-11.21	8.74	-	19.68	-12.64
Gross Loans, 3 Yr. CAGR %	13.37	10.37	13.38	17.19	17.78
Net Loans, 3 Yr. CAGR %	13.37	10.37	13.38	17.19	17.78
Non Performing Loans, 3 Yr. CAGR %	18.08	8.26	5.82	-0.54	1.89
Non Performing Assets, 3 Yr. CAGR %	18.08	8.26	5.82	-0.54	1.89
Total Assets, 3 Yr. CAGR %	13.76	12.11	13.49	15.75	16.76
Total Deposits, 3 Yr CAGR %	15.42	10.44	11.84	13.6	15.99
Tangible Book Value, 3 Yr. CAGR %	10.37	12.57	14.28	22.19	21.5
Common Equity, 3 Yr. CAGR %	10.37	12.57	14.28	22.19	21.5
Total Equity, 3 Yr. CAGR %	10.85	12.94	14.42	22.75	21.92
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	18.03	15.45	16.27	16	16.35
Non Interest Income, 5 Yr. CAGR %	19.35	14.37	15.99	19.22	15.83
Provision For Loan Losses, 5 Yr. CAGR %	19.66	16.04	-3.43	-21.26	-4.99
Total Revenues, 5 Yr. CAGR %	17.99	15.03	19.44	20.18	19.18
Earnings From Cont. Operations, 5 Yr. CAGR %	28.13	18.16	27.97	24.63	21.63
Net Income, 5 Yr. CAGR %	27.89	17.84	27.6	24.14	21.35
Normalized Net Income, 5 Yr. CAGR %	24.63	14.22	24.38	20.98	21.45
Diluted EPS Before Extra, 5 Yr. CAGR %	24.13	13.74	25.03	20.19	16.35
Dividend Per Share, 5 Yr. CAGR %	0	14.87	0	-3.04	-
Gross Loans, 5 Yr. CAGR %	18.33	15.14	14.36	14.35	14.43
Net Loans, 5 Yr. CAGR %	18.33	15.14	14.36	14.35	14.43
Non Performing Loans, 5 Yr. CAGR %	22.51	19.09	8.4	6.79	4.38
Non Performing Assets, 5 Yr. CAGR %	22.51	19.09	8.4	6.79	4.38
Total Assets, 5 Yr. CAGR %	16.7	14.4	14	14.64	14.46
Total Deposits, 5 Yr CAGR %	16.81	13.22	13.72	13.36	13.24
Tangible Book Value, 5 Yr. CAGR %	15.4	16.56	12.5	17.4	18.43
Common Equity, 5 Yr. CAGR %	15.4	16.56	12.5	17.4	18.43
Total Equity, 5 Yr. CAGR %	15.7	16.92	12.86	17.89	18.77