Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
12,908.16
10,479.81
7,649.64
6,734.96
6,932.05
6,483.55
5,986.73
Income On Investments
2,243.98
1,708.83
1,296.86
1,171.75
1,198.64
1,082.67
1,041.96
Interest On Balances With Rbi Other Inter Bank Funds
210.61
161.21
104.97
103.24
187.28
57.83
27.35
Interest / Discount On Advances / Bills
10,268.10
8,395.06
6,109.54
5,346.02
5,423.47
5,243.74
4,799.67
Others
185.47
214.71
138.27
113.95
122.66
99.31
117.75
Other Income
1,879.13
1,462.83
1,062.14
996.14
940.67
812.44
757.27
Total Income
14,787.29
11,942.64
8,711.78
7,731.10
7,872.72
7,295.99
6,744.00
Interest Expended
8,248.95
6,504.80
4,283.30
3,837.11
4,255.76
4,205.60
3,812.91
Net Interest Income
4,659.21
3,975.01
3,366.34
2,897.85
2,676.29
2,277.95
2,173.82
Total Expenditure (Excl Depreciation)
3,472.07
2,811.04
2,242.87
1,992.39
1,735.08
1,588.83
1,468.51
Employee Cost
1,515.69
1,243.05
1,014.95
1,100.23
983.31
838.54
723.81
Other Operating Expenses
1,956.38
1,567.99
1,227.92
892.16
751.77
750.29
744.70
Operating Profit Before Provisions and Contingencies
3,066.27
2,626.80
2,185.61
1,901.60
1,881.88
1,501.56
1,462.58
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
302.62
199.48
434.54
788.79
929.65
443.81
367.88
Profit Before Tax
2,763.65
2,427.32
1,751.07
1,112.81
952.23
1,057.75
1,094.70
Tax
697.43
619.76
446.70
285.26
243.84
256.84
379.56
Profit After Tax
2,066.22
1,807.56
1,304.37
827.55
708.39
800.91
715.14
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
2,066.22
1,807.56
1,304.37
827.55
708.39
800.91
715.14
Face Value
2.0
2.0
2.0
2.0
2.0
2.0
2.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
8.43
7.69
6.18
3.94
3.55
4.03
3.6
Diluted Earnings per share
8.36
8.2
6.14
4.04
3.55
4.0
0.0
Operating Profit Margin (Excl OI)
70.76%
71.27%
65.0%
58.71%
61.56%
68.65%
69.33%
Gross Profit Margin
21.41%
23.16%
22.89%
16.52%
13.74%
16.31%
81.97%
PAT Margin
16.01%
17.25%
17.05%
12.29%
10.22%
12.35%
11.95%
Net Interest Margin
0.0%
0.0%
0.0%
3.2%
3.13%
3.01%
0.0%
Return on Assets
0.64%
0.66%
0.58%
0.42%
0.38%
0.51%
0.0%
CASA (%)
30.07%
31.17%
34.61%
36.16%
33.68%
31.55%
0.0%
CASA Amount
80,926.00
72,589.00
68,873.00
62,191.00
52,785.00
44,023.00
0.00
Capital Adequacy Ratio (Total)
15.2%
15.5%
13.84%
14.97%
14.64%
13.98%
0.0%
Capital Adequacy Ratio (Tier 1)
13.82%
13.79%
12.62%
14.09%
13.33%
12.87%
0.0%
Provision Coverage Ratio (%)
71.62%
71.03%
67.41%
65.43%
64.65%
66.16%
0.0%
Amount of Gross NPAs
4,884.49
4,436.05
4,031.06
4,445.84
3,552.19
3,612.11
3,260.68
Amount of Net NPAs
1,322.29
1,229.81
1,262.35
1,502.44
1,218.14
1,843.64
1,626.20
% of Net NPAs
0.57%
0.64%
0.78%
1.12%
0.99%
1.59%
1.48%
% of Gross NPAs
2.09%
2.26%
2.46%
3.24%
2.84%
3.07%
2.92%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
2052.0
1937.0
1876.0
1874.0
1941.0
1942.0
0.0
Number of Branches
1533.0
1408.0
1305.0
1272.0
1271.0
1251.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 23.17% vs 37.0% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 14.31% vs 38.58% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 16.73% vs 20.19% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is -0.07% vs -0.14% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -0.17% vs -0.20% in Sep 2023
Compare Half Yearly Results Of Federal Bank With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
12,908.16
15,449.64
-2,541.48
-16.45%
Income On Investments
2,243.98
2,938.08
-694.10
-23.62%
Interest On Balances With Rbi Other Inter Bank Funds
210.61
170.92
39.69
23.22%
Interest / Discount On Advances / Bills
10,268.10
11,559.18
-1,291.08
-11.17%
Others
185.47
781.46
-595.99
-76.27%
Other Income
1,879.13
2,605.59
-726.46
-27.88%
Total Income
14,787.29
18,055.23
-3,267.94
-18.1%
Interest Expended
8,248.95
11,005.16
-2,756.21
-25.04%
Net Interest Income
4,659.21
4,444.48
214.73
4.83%
Total Expenditure (Excl Depreciation)
3,472.07
5,189.51
-1,717.44
-33.09%
Employee Cost
1,515.69
1,987.72
-472.03
-23.75%
Other Operating Expenses
1,956.38
3,201.79
-1,245.41
-38.9%
Operating Profit Before Provisions and Contingencies
3,066.27
1,860.56
1,205.71
64.8%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
302.62
508.87
-206.25
-40.53%
Profit Before Tax
2,763.65
1,351.69
1,411.96
104.46%
Tax
697.43
296.22
401.21
135.44%
Profit After Tax
2,066.22
1,055.47
1,010.75
95.76%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
2,066.22
1,055.47
1,010.75
95.76%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
8.43
0.34
8.09
2379.41%
Diluted Earnings per share
8.36
0.34
8.02
2358.82%
Operating Profit Margin (Excl OI)
70.76%
63.12%
0.00
7.64%
Gross Profit Margin
21.41%
8.75%
0.00
12.66%
PAT Margin
16.01%
6.83%
0.00
9.18%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.64%
0.00%
0.64
0.64%
CASA (%)
30.07%
32.00%
-1.93
-1.93%
CASA Amount
80,926.00
88,601.00
-7,675.00
-8.66%
Capital Adequacy Ratio (Total)
15.20%
15.60%
-0.40
-0.40%
Capital Adequacy Ratio (Tier 1)
13.82%
13.20%
0.62
0.62%
Provision Coverage Ratio (%)
71.62%
70.00%
1.62
1.62%
Amount of Gross NPAs
4,884.49
3,889.43
995.06
25.58%
Amount of Net NPAs
1,322.29
1,168.02
154.27
13.21%
% of Net NPAs
0.57%
1.60%
-1.03
-1.03%
% of Gross NPAs
2.09%
1.60%
0.49
0.49%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
2,052.00
1,325.00
727.00
54.87%
Number of Branches
1,533.00
1,237.00
296.00
23.93%
Half Yearly - Interest Earned
Interest Earned 12908.16 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 23.17% vs 37.0% in Sep 2023
Half Yearly - Net Profit
Net Profit 2,066.22 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 14.31% vs 38.58% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 3,066.27 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 16.73% vs 20.19% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.57%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.07% vs -0.14% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 2.09%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.17% vs -0.20% in Sep 2023