Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Dec'18
Interest Earned
19,716.89
16,209.91
12,082.89
10,177.52
10,391.57
9,813.91
8,386.71
Income On Investments
3,391.40
2,659.07
2,017.55
1,745.77
1,772.25
1,618.78
1,501.07
Interest On Balances With Rbi Other Inter Bank Funds
323.16
240.50
154.74
164.13
301.97
93.10
61.69
Interest / Discount On Advances / Bills
15,731.80
12,992.63
9,694.41
8,075.29
8,136.68
7,946.52
6,676.57
Others
270.53
317.71
216.19
192.33
180.67
155.51
147.38
Other Income
2,795.30
2,325.39
1,596.14
1,480.33
1,416.05
1,220.30
939.30
Total Income
22,512.19
18,535.30
13,679.03
11,657.85
11,807.62
11,034.21
9,326.01
Interest Expended
12,626.34
10,111.54
6,760.02
5,740.77
6,278.24
6,381.03
5,306.89
Net Interest Income
7,090.55
6,098.37
5,322.87
4,436.75
4,113.33
3,432.88
3,079.82
Total Expenditure (Excl Depreciation)
5,250.12
4,359.63
3,459.19
3,101.19
2,691.06
2,407.80
2,010.77
Employee Cost
2,298.85
1,936.20
1,575.78
1,683.30
1,508.95
1,253.30
1,007.61
Other Operating Expenses
2,951.27
2,423.43
1,883.41
1,417.89
1,182.11
1,154.50
1,003.16
Operating Profit Before Provisions and Contingencies
4,635.73
4,064.13
3,459.82
2,815.89
2,838.32
2,245.38
2,008.35
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
594.95
290.70
633.23
1,002.77
1,343.81
604.67
678.09
Profit Before Tax
4,040.78
3,773.43
2,826.59
1,813.12
1,494.51
1,640.71
1,330.26
Tax
1,019.12
959.13
718.61
463.84
382.02
399.16
467.88
Profit After Tax
3,021.66
2,814.30
2,107.98
1,349.28
1,112.49
1,241.55
862.38
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
3,021.66
2,814.30
2,107.98
1,349.28
1,112.49
1,241.55
862.38
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
Operating Profit Margin (Excl OI)
73.37%
73.11%
71.37%
69.53%
74.1%
75.47%
76.02%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
15.33%
17.36%
17.45%
13.26%
10.71%
12.65%
10.28%
Net Interest Margin
3.11%
3.19%
3.49%
3.27%
3.22%
3.0%
3.17%
Return on Assets
0.29%
0.35%
0.33%
0.26%
0.21%
0.26%
0.23%
CASA (%)
30.16%
30.63%
34.24%
36.68%
34.48%
31.46%
33.35%
CASA Amount
80,345.00
73,389.00
68,967.00
64,344.00
55,740.00
45,484.00
0.00
Capital Adequacy Ratio (Total)
15.16%
15.02%
13.35%
14.37%
14.31%
13.64%
12.97%
Capital Adequacy Ratio (Tier 1)
13.78%
13.48%
12.13%
13.52%
13.0%
12.62%
12.44%
Provision Coverage Ratio (%)
74.21%
71.08%
69.19%
65.8%
77.1%
66.38%
64.2%
Amount of Gross NPAs
4,553.31
4,628.79
4,147.85
4,401.26
3,470.18
3,618.69
3,361.23
Amount of Net NPAs
1,131.17
1,284.37
1,228.59
1,471.18
757.24
1,941.01
1,817.29
% of Net NPAs
0.49%
0.64%
0.73%
1.05%
0.6%
1.63%
1.72%
% of Gross NPAs
1.95%
2.29%
2.43%
3.06%
2.71%
2.99%
3.14%
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
2054.0
1962.0
1896.0
1882.0
1953.0
1965.0
1669.0
Number of Branches
1550.0
1418.0
1333.0
1274.0
1272.0
1255.0
1251.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 21.63% vs 34.16% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is 7.37% vs 33.51% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 14.06% vs 17.47% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is -0.15% vs -0.09% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is -0.34% vs -0.14% in Dec 2023
Compare Nine Monthly Results Of Federal Bank With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
19,716.89
23,278.78
-3,561.89
-15.3%
Income On Investments
3,391.40
4,354.90
-963.50
-22.12%
Interest On Balances With Rbi Other Inter Bank Funds
323.16
291.40
31.76
10.9%
Interest / Discount On Advances / Bills
15,731.80
17,464.10
-1,732.30
-9.92%
Others
270.53
1,168.38
-897.85
-76.85%
Other Income
2,795.30
4,117.60
-1,322.30
-32.11%
Total Income
22,512.19
27,396.38
-4,884.19
-17.83%
Interest Expended
12,626.34
16,610.78
-3,984.44
-23.99%
Net Interest Income
7,090.55
6,668.00
422.55
6.34%
Total Expenditure (Excl Depreciation)
5,250.12
7,846.02
-2,595.90
-33.09%
Employee Cost
2,298.85
2,991.59
-692.74
-23.16%
Other Operating Expenses
2,951.27
4,854.43
-1,903.16
-39.2%
Operating Profit Before Provisions and Contingencies
4,635.73
2,939.58
1,696.15
57.7%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
594.95
767.55
-172.60
-22.49%
Profit Before Tax
4,040.78
2,172.03
1,868.75
86.04%
Tax
1,019.12
504.29
514.83
102.09%
Profit After Tax
3,021.66
1,667.74
1,353.92
81.18%
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
3,021.66
1,667.74
1,353.92
81.18%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
15.33%
7.16%
0.00
8.17%
Net Interest Margin
3.11%
2.40%
0.71
0.71%
Return on Assets
0.29%
0.00%
0.29
0.29%
CASA (%)
30.16%
33.10%
-2.94
-2.94%
CASA Amount
80,345.00
91,650.00
-11,305.00
-12.33%
Capital Adequacy Ratio (Total)
15.16%
15.20%
-0.04
-0.04%
Capital Adequacy Ratio (Tier 1)
13.78%
12.59%
1.19
1.19%
Provision Coverage Ratio (%)
74.21%
71.20%
3.01
3.01%
Amount of Gross NPAs
4,553.31
3,963.47
589.84
14.88%
Amount of Net NPAs
1,131.17
1,142.62
-11.45
-1.0%
% of Net NPAs
0.49%
0.50%
-0.01
-0.01%
% of Gross NPAs
1.95%
1.60%
0.35
0.35%
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
2,054.00
1,326.00
728.00
54.9%
Number of Branches
1,550.00
1,247.00
303.00
24.3%
Nine Monthly - Interest Earned
Interest Earned 19716.89 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 21.63% vs 34.16% in Dec 2023
Nine Monthly - Net Profit
Net Profit 3,021.66 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 7.37% vs 33.51% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 4,635.73 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 14.06% vs 17.47% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.49%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.15% vs -0.09% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.95%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.34% vs -0.14% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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