Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
6,808.73
6,577.28
6,330.88
5,978.35
5,730.10
5,455.28
5,024.53
Income On Investments
1,147.42
1,135.73
1,108.25
1,032.55
950.24
893.97
814.86
Interest On Balances With Rbi Other Inter Bank Funds
112.55
107.92
102.69
98.37
79.29
90.28
70.93
Interest / Discount On Advances / Bills
5,463.70
5,241.96
5,026.14
4,741.89
4,597.57
4,355.48
4,039.58
Others
85.06
91.67
93.80
105.54
103.00
115.55
99.16
Other Income
916.17
963.95
915.18
753.88
862.56
730.42
732.41
Total Income
7,724.90
7,541.23
7,246.06
6,732.23
6,592.66
6,185.70
5,756.94
Interest Expended
4,377.39
4,210.05
4,038.90
3,783.24
3,606.74
3,398.86
3,105.94
Net Interest Income
2,431.34
2,367.23
2,291.98
2,195.11
2,123.36
2,056.42
1,918.59
Total Expenditure (Excl Depreciation)
1,778.05
1,765.82
1,706.25
1,838.64
1,548.59
1,462.39
1,348.65
Employee Cost
783.16
777.67
738.02
886.89
693.15
626.31
616.74
Other Operating Expenses
994.89
988.15
968.23
951.75
855.44
836.08
731.91
Operating Profit Before Provisions and Contingencies
1,569.46
1,565.36
1,500.91
1,110.35
1,437.33
1,324.45
1,302.35
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
292.33
158.35
144.27
-94.60
91.22
43.90
155.58
Profit Before Tax
1,277.13
1,407.01
1,356.64
1,204.95
1,346.11
1,280.55
1,146.77
Tax
321.69
350.32
347.11
298.65
339.37
326.73
293.03
Profit After Tax
955.44
1,056.69
1,009.53
906.30
1,006.74
953.82
853.74
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
955.44
1,056.69
1,009.53
906.30
1,006.74
953.82
853.74
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)
3.89
4.31
4.12
3.72
4.14
4.06
4.03
Diluted Earnings per share
3.85
4.27
4.09
3.68
4.11
4.12
3.98
Operating Profit Margin (Excl OI)
69.59%
70.75%
70.77%
70.83%
71.38%
72.39%
70.06%
Gross Profit Margin
18.76%
21.39%
21.43%
20.16%
23.49%
23.47%
22.82%
PAT Margin
14.03%
16.07%
15.95%
15.16%
17.57%
17.48%
16.99%
Net Interest Margin
3.11%
3.12%
3.16%
3.21%
3.19%
3.16%
3.15%
Return on Assets
0.29%
0.32%
0.32%
0.3%
0.35%
0.34%
0.32%
CASA (%)
30.16%
30.07%
29.27%
29.38%
30.63%
31.17%
31.85%
CASA Amount
80,345.00
80,926.00
77,884.00
74,200.00
73,389.00
72,589.00
70,854.00
Capital Adequacy Ratio (Total)
15.16%
15.2%
15.57%
16.13%
15.02%
15.5%
14.28%
Capital Adequacy Ratio (Tier 1)
13.78%
13.82%
14.17%
14.61%
13.48%
13.79%
12.54%
Provision Coverage Ratio (%)
74.21%
71.82%
70.79%
71.08%
71.08%
71.03%
70.02%
Amount of Gross NPAs
4,553.31
4,884.49
4,738.35
4,528.87
4,628.79
4,436.05
4,434.77
Amount of Net NPAs
1,131.17
1,322.29
1,330.44
1,255.33
1,284.37
1,229.81
1,274.59
% of Net NPAs
0.49%
0.57%
0.6%
0.6%
0.64%
0.64%
0.69%
% of Gross NPAs
1.95%
2.09%
2.11%
2.13%
2.29%
2.26%
2.38%
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
2052.0
2041.0
2015.0
1962.0
1937.0
1920.0
Number of Branches
1550.0
1533.0
1518.0
1504.0
1418.0
1408.0
1366.0
Quarterly Analysis Highlights - YoY
Interest Earned
YoY Growth in quarter ended Dec 2024 is 18.82% vs 29.25% in Dec 2023
Net Profit
YoY Growth in quarter ended Dec 2024 is -5.10% vs 25.28% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in quarter ended Dec 2024 is 9.19% vs 12.80% in Dec 2023
% of Net NPAs
YoY Growth in quarter ended Dec 2024 is -0.15% vs -0.09% in Dec 2023
% of Gross NPAs
YoY Growth in quarter ended Dec 2024 is -0.34% vs -0.14% in Dec 2023
Compare Quarterly Results Of Federal Bank With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
6,808.73
7,829.14
-1,020.41
-13.03%
Income On Investments
1,147.42
1,416.82
-269.40
-19.01%
Interest On Balances With Rbi Other Inter Bank Funds
112.55
120.48
-7.93
-6.58%
Interest / Discount On Advances / Bills
5,463.70
5,904.92
-441.22
-7.47%
Others
85.06
386.92
-301.86
-78.02%
Other Income
916.17
1,512.01
-595.84
-39.41%
Total Income
7,724.90
9,341.15
-1,616.25
-17.3%
Interest Expended
4,377.39
5,605.62
-1,228.23
-21.91%
Net Interest Income
2,431.34
2,223.52
207.82
9.35%
Total Expenditure (Excl Depreciation)
1,778.05
2,656.51
-878.46
-33.07%
Employee Cost
783.16
1,003.87
-220.71
-21.99%
Other Operating Expenses
994.89
1,652.64
-657.75
-39.8%
Operating Profit Before Provisions and Contingencies
1,569.46
1,079.02
490.44
45.45%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
292.33
258.68
33.65
13.01%
Profit Before Tax
1,277.13
820.34
456.79
55.68%
Tax
321.69
208.07
113.62
54.61%
Profit After Tax
955.44
612.27
343.17
56.05%
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
955.44
612.27
343.17
56.05%
Face Value
2.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
3.89
0.20
3.69
1845.0%
Diluted Earnings per share
3.85
0.19
3.66
1926.32%
Operating Profit Margin (Excl OI)
69.59%
62.76%
0.00
6.83%
Gross Profit Margin
18.76%
10.48%
0.00
8.28%
PAT Margin
14.03%
7.82%
0.00
6.21%
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%
Quarterly - Interest Earned
Interest Earned 6808.73 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 3.52% vs 3.89% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 18.82% vs 29.25% in Dec 2023
Quarterly - Net Profit
Net Profit 955.44 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -9.58% vs 4.67% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -5.10% vs 25.28% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,569.46 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 0.26% vs 4.29% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 9.19% vs 12.80% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 0.49%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.08% vs -0.03% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.15% vs -0.09% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 1.95%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.14% vs -0.02% in Sep 2024
YoY Growth in quarter 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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