Federal
Bank FY25 Results:
₹5.18 Lakh Crore Total Business | Annual
Net Profit Rises to ₹4,052 Crore |Decadal Best Asset Quality
Federal Bank announced the Financial Results for the quarter and year ended
31st March 2025. The key highlights of the results on a Y-o-Y basis
are as follows:
Ø Total Business of the Bank
reached Rs.
5,18,483.86
Cr.
Ø Annual Net Profit at Rs 4051.89
Cr and net profit for the quarter at Rs 1030.23 Cr, increases by 13.67% YoY.
Ø Highest Ever Other Income
backed by strong Fee Income momentum, NII up by 14.16% to Rs.9467.99 Cr.
Ø Decadal Best Asset Quality with
GNPA
and NNPA at 1.84 % and 0.44 % respectively.
Ø CRAR stood at 16.40%.
Ø Provision Coverage Ratio stood at 75.37%.
Ø ROA for Q4
stood at 1.24 % and ROE at 12.82 %.
Ø Total Deposits increased by 12.32 %.
Ø Total Net Advances increased by 12.15 %.
Mr. KVS Manian, Managing Director
& CEO of
the Bank said, “As we have
consistently articulated, our focus remains on profitable growth - driven by
sustainable, high-quality earnings aligned with long term value creation. This
quarter’s performance is a strong validation of that approach. It has also been
a transformative year for the Bank, with several strategic initiatives
beginning to deliver tangible outcomes. Notably, our focused efforts in
mid-yield segments and current accounts have shown significant traction, with
current account balances growing 35% YoY (27% QoQ) and a 19% growth in
mid-yield segments.
Despite the prevailing rate cut environment, we have
effectively navigated NIM pressures through strategic asset pricing, robust
CASA growth, and the best asset quality seen in over a decade. At the same
time, we have launched several high-impact initiatives within the franchise to
further strengthen efficiency and future growth prospects.
Crossing the twin milestones of ₹5 Lakh Crore in total
business and ₹4000 Crore in annual net profit marks a defining moment in our
journey. With a clear strategy, disciplined execution, and a committed team, we
remain confident in our ability to sustain momentum and continue delivering
long term value to all stakeholders.”
WORKING RESULTS AT A GLANCE (Rs.in Cr)
|
Particulars |
Results |
||
|
|
31-03-2025 |
31-03-2024 |
Growth % |
|
Annual Net Profit |
4051.89 |
3720.60 |
é8.90% |
|
Total Business |
518483.86 |
461937.36 |
é12.24% |
|
Total
Income |
30166.50 |
25267.53 |
é19.39% |
|
Parameters |
Q4
FY24 |
Q4
FY25 |
YoY
Change in % |
Change
in bps |
Q3
FY25 |
Q4
FY25 |
QoQ
Change in % |
Change
in bps |
|
Fee
Income |
615.22 |
800.47 |
é30.11% |
|
756.07 |
800.47 |
é5.87% |
|
|
Other
Income |
753.88 |
1005.95 |
é33.44% |
|
916.17 |
1005.95 |
é9.80% |
|
|
Net
profit |
906.30 |
1030.23 |
é13.67% |
|
955.44 |
1030.23 |
é7.83% |
|
|
PCR |
71.08 |
75.37 |
|
429 |
74.21 |
75.37 |
|
116 |
|
Gross
NPA |
2.13 |
1.84 |
|
-29 |
1.95 |
1.84 |
|
-11 |
|
Net
NPA |
0.60 |
0.44 |
|
-16 |
0.49 |
0.44 |
|
-5 |
Operating
Review
Total
Business
Total Business of the Bank reached Rs. 518483.86 Cr
registering a growth of 12.24 % as on 31st March 2025.
Credit
Growth
On the Asset side, Net advances increased
from Rs.209403.34 Cr as on 31st March 2024 to Rs. 234836.39 Cr on 31st
March 2025. Retail Advances grew by 14.50% to reach Rs. 77212.16 Cr. Business
Banking advances grew by 11.44% to reach Rs. 19064.36 Cr. Commercial Banking
grew by 26.76 % to Rs. 27199 Cr. Corporate Advances registered a growth of 8.39%
to reach Rs. 79773.79 Cr. The CV/ CE advances grew by 34.93% to reach Rs. 4644 Cr.
Gold loans including ADLG registered a growth of 20.93% to reach Rs.30505 Cr.
Deposit
Growth
Total Deposits increased from Rs. 252534.02 Cr as on 31st March 2024 to Rs. 283647.47 Cr as on 31st
March 2025, registering a growth of 12.32%.
Operating
Profit & Net Profit
The Bank registered Operating Profit of Rs. 1465.40 Cr and Net Profit of Rs. 1030.23 Cr for the quarter ended 31st March
2025.
Income
& Margins
Net Interest Income grew 8.31 % YoY from Rs.2195.11
Cr to Rs. 2377.44 Cr for the quarter ended on 31st March 2025. Total
income of the Bank for the quarter grew by 13.70% YoY to reach Rs. 7654.31Cr. Earnings
per share (EPS) annualized is Rs 17.02 for the quarter. Net Interest Margin improved
to 3.12% in Q4 FY25, supported by strategic initiatives.
Key
Ratios
ROA & ROE of the Bank for the quarter
stood at 1.24% and 12.82% respectively.
Robust
Asset Quality
Gross NPA of the Bank as at the end of Q4 FY25
stood at Rs. 4375.54 Cr, which as a percentage to Gross Advances stood at 1.84 %. The Net NPA and Net NPA as a percentage to
Net Advances as on 31st March 2025 stood at Rs. 1040.38 Cr and 0.44% respectively. Provision Coverage
Ratio excluding Technical Write Off was 75.37%.
Net Worth & Capital
Adequacy
Net worth of the Bank increased by 13.86% YoY,
from Rs. 29089.41 Cr to Rs. 33121.64 Cr, as on 31st March 2025.
Capital Adequacy Ratio (CRAR) of the Bank, computed as per Basel III guidelines
stood at 16.40% as at the end of the quarter.
Dividend
The Board of directors at its meeting held
today has recommended a dividend of 60% per equity share having face value of Rs.2
for the year ended 31st March 2025. The dividend will be paid after
the approval of shareholders at the Annual General Meeting.
Initiatives
Ø Branch
Transformation through ‘Free the Branch’ initiative-Project Udaan
Ø Launch of
Corporate Internet Banking Portal – FedOne
Ø Overhaul
of the branch performance metrics
Ø Adoption
of more data-driven & scientific pricing strategies.
Ø 150
Projects identified for implementation and includes 50 key projects with high
impact initiatives that align with strategic priorities.
Ø Acclaimed
Bollywood actor Vidya Balan onboarded as the first ever Brand Ambassador of the
Bank.
Footprint
85 new outlets opened across the country during FY25
taking the total number of banking outlets to 1589. The number of ATMs/
Recyclers as on 31st March 2025 is 2080 (incl mobile ATMs).
MAJOR FINANCIAL INDICATORS (Standalone
Nos) (Rs. in Cr)
|
Business
Figures |
As
on 31.03.2025 |
As
on 31.03.2024 |
Growth
(%) |
|
Total Deposits |
283647.47 |
252534.02 |
é12.32% |
|
Net Advances |
234836.39 |
209403.34 |
é12.15% |
|
Commercial Banking Advances |
27199.00 |
21456.66 |
é26.76% |
|
Retail Advances |
77212.16 |
67435.34 |
é14.50% |
|
Corporate Advances |
79773.79 |
73596.09 |
é8.39% |
|
Business Banking Advances |
19064.36 |
17107.99 |
é11.44% |
|
Gold Loan including ADLG |
30505.00 |
25226.00 |
é20.93% |
|
Capital |
|
|
|
|
Equity Capital |
491.17 |
487.07 |
é0.84% |
|
Net Worth |
33121.64 |
29089.41 |
é13.86% |
|
Capital Adequacy (%) |
16.40 |
16.13 |
|
|
Tier I (%) |
15.04 |
14.61 |
|
|
Tier II (%) |
1.36 |
1.52 |
|
