Key Financial Highlights – Q3 FY25 (Standalone)
| Metric | Q3 FY25 | Q3 FY24 | YoY Change |
|---|---|---|---|
| Total Income | ₹8,195.02 crore | ₹7,453.30 crore | +10.3% |
| Net Interest Income (NII) | ₹2,685.44 crore | ₹2,478.36 crore | +8.3% |
| Operating Profit | ₹1,654.21 crore | ₹1,533.55 crore | +7.9% |
| Net Profit (PAT) | ₹946.15 crore | ₹895.42 crore | +5.7% |
| Gross NPA Ratio | 2.09% | 1.95% | +14 bps |
| Net NPA Ratio | 0.57% | 0.49% | +8 bps |
| Capital Adequacy Ratio (CAR) | 15.16% | 16.13% | -97 bps |
| Earnings Per Share (EPS) | ₹3.89 | ₹4.16 | -6.5% |
- Total Income: ₹24,872.19 crore (+12.5% YoY).
- Net Profit: ₹3,067.91 crore (+8.7% YoY).
Segment Performance & Loan Book Growth
- Retail Banking: ₹3,885.34 crore revenue (+14.9% YoY).
- Corporate Banking: ₹2,159.49 crore revenue (+10.2% YoY).
- Treasury & Other Operations: ₹1,129.45 crore revenue (+5.8% YoY).
Key Corporate Developments
1. Sale of Stake in Equirus Capital
- Federal Bank sold 6,150,000 equity shares of Equirus Capital Private Limited, ceasing to be an associate entity effective November 15, 2024.
2. Strengthened Capital Reserves
- Implemented RBI's new investment classification rules, boosting reserves by ₹3,397.53 crore as of April 1, 2024.
3. Additional Provisions for NPA
- Made ₹291.62 crore in accelerated provisioning for certain loan accounts, above RBI’s minimum requirement.
Management Commentary
Krishnan Venkat Subramanian, Managing Director & CEO, Federal Bank, stated:"Our consistent financial growth reflects our disciplined approach to risk management and business expansion. We continue to focus on credit growth, digital banking, and asset quality management to deliver long-term value to shareholders."
Investor Outlook & Strategic Focus
With stable revenue growth, robust provisioning, and a well-diversified loan book, Federal Bank remains well-positioned for long-term expansion while maintaining prudent asset quality and capital adequacy levels.
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