Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Q4 2025 Earnings Presentation
43 slides from Federal Bank Ltd. (india)'s earnings presentation, May 2, 2025
Slide 1: Stock exchange covering letter: Investor Presentation
Secretarial Department SEC/LODR/33/2025-26 30.04.2025 The Manager The Manager The National Stock Exchange of India Limited Department of Corporate Services Exchange Plaza, Bandra-Kurla Complex, BSE Limited, Bandra (E), Mumbai - 400 051 Phiroze Jeejeebhoy Towers, Floor 25, Dalal Street, Mumbai- 400 0
Slide 2: Investor Information Q4 FY 2025
Investor Information Q4 FY 2025
Slide 3: Disclaimer
Disclaimer IMPORTANT: This presentation has been prepared by The Federal Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by t
Slide 4: Table of Content
TABLE OF CONTENT Pages 01 Key highlights 4-11 02 Business parameters 12-21 03 Distribution strategy and digital migration 22-28 04 Appendix 29-41
Slide 5: Culminating a year of strategic and seamless transition: Major Landmarks
Culminating a year of strategic and seamless transition.. Major Landmarks Asset Quality at Decadal Best ANNUAL NET PROFIT TOTAL BUSINESS GROSS NPA NET NPA ₹ 4051.89 cr ₹ 5.18 lakh cr 1.84% 0.44% ROA ROE EPS BVPS KEY 1.24 % | 1.23% 12.82 % | 13.03% 17.02 | 16.54 134.87 HIGHLIGHTS NIM Cost to Income C
Slide 6: Driving targeted growth in strategic areas
Driving targeted growth in strategic areas… DEPOSITS ADVANCES PROFITABILITY CASA + Dep <3Cr: (₹ in cr) Customer Assets1: (₹ in cr) Profitability: RoE* (%) RoA* (%) 2,30,152 12.75 12.82 2,07,522 2,17,214 12.00 YoY growth: 11% 2,38,199 2,42,773 QoQ growth: 6% 2,14,576 YoY growth: 13% QoQ growth: 2% 1.
Slide 7: Asset quality trends
Asset quality trends Asset Quality at decadal best reflecting balance sheet resilience GNPA (%) NNPA (%) PCR (%)1 2.13 0.60 0.60 75.37 2.11 2.09 0.57 1.95 74.21 1.84 0.49 0.44 71.82 71.08 70.79 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3
Slide 8: Asset quality trends (contd)
Asset quality trends (contd) Std Restructured Ac Net NPA ₹ in cr Asset quality continues to remain robust across all segments 1,393 1,205 Provision Coverage Ratio 1,255 increased to 75.37% 1,131 1,040 3,536 2,830 2,027 1,560 1,427 Recovery & Upgradation Q4 FY22 Q4 FY23 Q4 FY24 Q3 FY25 Q4 FY25 of ₹42
Slide 9: Key ratios
Key ratios Operating performance remains robust, with key ratios consistently stable RoA (%)* RoE (%)* Net interest margin (%)* FY25 – 1.23 FY25 – 13.03 FY25 – 3.13 1.27 1.28 1.24 3.21 3.16 3.12 3.12 1.22 13.64 13.65 3.11 1.14 12.75 12.82 12.00 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25
Slide 10: Key P&L parameters
Key P&L parameters ₹ in cr Net interest income Fee Income & Other income 1,006 964 915 916 2,367 2,431 2,377 180 205 2,195 2,292 754 160 261 139 784 756 800 615 654 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Fee Income Non-Fee Other Income Operating Profit Net pr
Slide 11: Comparison: Y-o-Y
Comparison: Y-o-Y ₹ in cr Retail* BuB* CVCE* COB* 10% 11% 35% 27% Advances 62,784 -> 69,268 Gold*^ 17,108 -> 19,064 Agri & Allied*^ 3,442 -> 4,644 MFI* 21,457 -> 27,199 CIB* 21% 9% 19% 8% 25,226 -> 30,505 7,514 -> 8,209 3,449 -> 4,110 73,596 -> 79,774 CASA Average CASA CASA Ratio NRE Deposits Total
Slide 12: Comparison: Q-o-Q
Comparison: Q-o-Q ₹ in cr Retail* BuB* CVCE* COB* 2% 1% 10% 5% Advances 68,009 -> 69,268 Gold*^ 18,923 -> 19,064 Agri & Allied*^ 4,235 -> 4,644 MFI* 25,880 -> 27,199 CIB* -3% -0.3% 1% 3% 31,426 -> 30,505 8,138 -> 8,209 4,123 -> 4,110 77,465 -> 79,774 CASA Average CASA CASA Ratio NRE Deposits Total D
Slide 13: Liability trends
Liability trends CASA grows by 15.6% driven by 35% growth in CA on a YOY basis Deposits End Period (₹ in cr) CA, SA & CASA End Period (₹ in cr) and CASA ratio (%) CASA + Deposits < 3Cr Other CA SA (Incl Bespoke) XX CASA Ratio (%) 30.23 30.16 29.38 85,757 2,83,647 30.94 32.68 80,345 2,66,375 YoY grow
Slide 14: Credit portfolio distribution
Credit portfolio distribution Growth aligned with our focus on MSME segment Gross Advances (₹ in cr) Yield on advances (%) Corporate* Commercial* Retail Book* 2,33,749 2,38,134 9.48 2,12,623 9.39 1,77,377 77,465 79,774 YoY growth: 8% 73,596 9.31 1,47,639 65,731 25,880 27,199 21,457 YoY growth: 27% 5
Slide 15: Credit portfolio distribution: loan book by interest rate type
Credit portfolio distribution Loan book by interest rate type(%) (Retail, Gold & SME)* as % of loan book (₹ in cr) EBM Fixed MCLR Others 51% 300000 66.6% 67.0% 65.9% 250000 66.0% 200000 65.0% 30% 64.1% 150000 64.0% 63.4% 10% 9% 100000 63.0% 0.5% 50000 62.0% 0.8% 0 61.0% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY
Slide 16: Retail Banking
Retail Banking Focus on prudent growth, aligned with evolving macro conditions Retail book mix (Mar-25) Retail advances mix (Excl Gold, BuB, Agri, CV/CE & MFI) (₹ in cr) 9,402 9,306 3% 3% 8,921 3,550 3,444 3,774 3,789 6% 3,845 2,992 7,447 8,470 8,605 Retail* 1,486 2,393 7,302 14% Gold*^ 6,751 5,448
Slide 17: Commercial/ Corporate Banking
Commercial/ Corporate Banking Driving growth in targeted segments to optimize yield performance Portfolio Mix incl Cr Substitutes (Mar-25) Portfolio incl Cr Substitutes (₹ in cr) Q4 FY25, CoB*, 24% CoB* CIB* Q4 FY24, 1,08,703 1,13,111 CoB*, 21% 1,00,867 Q4 FY24, Q4 FY25, CIB*, 79% 86,723 CIB*, 76% 6
Slide 18: Asset Book – Trend Analysis
Asset Book – Trend Analysis 3% 3% 2% 2% Credit Cards 4 3,550 Gross 48% 19% Gross advances Mar-24 50% Advances Mar-25 YoY growth (INRcr) 45% Share 47% Personal Loans 4 3,789 -1% Gross advances YoY growth (INRcr) MSME/SME 46,263 Very High Yielding 20% Gross advances Medium Yielding YoY growth (INRcr)
Slide 19: Catalyzing growth through high growth asset products
Catalyzing growth through high growth asset products CV / CE Gold loans Micro Advances 4,644 31,426 4123 4110 30,505 Portfolio (₹ in cr) 4,235 YoY YoY YoY 3,442 25,226 35% 21% 19% 3449 QoQ QoQ QoQ 10% -3% -0.3% Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 Disbursements: PS
Slide 20: Rating distribution
Rating distribution Rating distribution (CIB) Rating distribution (advances excluding CIB) External rating of CIB advances Internal rating of advances excluding CIB Q4 FY25 17% 16% 1% 5% 8% 8% 1% Q4 FY25 5% 16% Q3 FY25 31% 17% 30% 75% 74% Q3 FY25 18% 17% A & Above BBB <BBB OTHERS 30% Internal Rating
Slide 21: Fee income / other income
Fee income / other income Diversified and granular fee income ₹ in Cr Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 QoQ YoY Loan processing fee 186 174 193 181 177 -2% -5% Cards 207 191 208 208 215 3% 4% Para banking 56 46 74 62 87 40% 55% Banking commissions & exchanges 70 72 75 77 81 5% 16% General serv
Slide 22: Capital position
Capital position Adequately capitalized with a self-sustaining capital structure ₹ in Cr Dec-24 Mar-25 Risk weighted assets Credit risk 1,82,520 1,89,923 Market risk 2,652 2,696 Operational risk 17,484 17,484 Total RWA 202,656 2,10,103 Tier-I capital funds 27,923 31,593 Tier-II capital funds 2,801 2
Slide 23: Distribution: Deriving efficiency from footprint
Distribution: Deriving efficiency from footprint Continuous investment in expanding Pan India footprint 40 1 1 85 new Outlets opened in FY25 14% 14% 17% 17% Mar-25 Banking Mar-24 1,504 Mar-25 1,589 3 4 Outlets# 33 27 2 ATMs/ 2,080 Dec-24 2,015 15 35 17 19% 20% Recyclers* 11 3 3 50% 67 2 49% 18 10 36
Slide 24: Innovation through partnerships
Innovation through partnerships Liability Instant Digital Partners Loans EMIs and Credit Merchant Cards Payments Gold Loan and Cross Border Priority remittance Lending partners Support Systems 23
Slide 25: Growth through partnerships
Growth through partnerships Partners Business Share in FY’25 Key metrics1 Cards Issued: ENR: 1.07 1.08 1.05 1.05 1.10 Co-branded 1.00 1.00 1.00 1.00 1.00 credit cards 67% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Card programs under CUG3 TD Balance CASA Balance: 3% 1.18 1
Slide 26: Digitization as a Multiplier
Digitization as a Multiplier 593 Edu. Institutions 350 HUMAN AT THE CORE Feddy is Live on onboarded to Fee RPA Process collection Solution “Careerbook” 92% running Approx 7 Lakh transactions queries answered Serviced by Feddy in this Digitally (Retail 25K ₹ cr + Corporate) 790 quarter Retail Mobile
Slide 27: Digitization as a Multiplier: Major Initiatives
Digitization as a Multiplier Major Initiatives Consistently at the forefront of tech innovation DM to Enhanced Benefits for Credit New Features Introduced in FedNet Card Upgrade and Limit Enhancement • Nomination Management During Deposit Opening • Closure Process Visibility for Online Deposits Seam
Slide 28: Digital migration
Digital migration Steadfast digital migration consistency maintained Branch vs. Digital Transactions (₹ in Lakh)* Corporate Digital Products - Active Users1 94.30% 94% 52,191 60 ,00 0 10 00 0 250 219 93.60% 46,013 90 00 50 ,00 0 42,060 44,658 92.04% 92.02% 92% 40,482 80 00 200 91.61% 171 162 6,593 6
Slide 29: Digital lending and card spends
Digital lending and card spends Digital Personal Card spends (₹ in Cr)1 Loans 1,50,000 16 00 1,95 0 Credit Cards – Market share 1,41,788 1,462 1,901 1,380 1,390 4,40 0 1,40,000 1,32,843 14 00 1,347 1,90 0 Cards O/s: Spends: 1,30,000 1,24,237 4,20 0 1,201 1,21,718 1.5% 1.2% 1,85 0 12 00 1,20,000 1,16
Slide 30: Appendix
Appendix FEDERAL BANK YOUR PERFECT BANKING PARTNER
Slide 31: Balance sheet & shareholding pattern
Balance sheet & shareholding pattern ₹ in Cr Dec-24 Mar-25 Share holding pattern (Mar-25) LIABILITIES Capital 491 491 Reserves & surplus 31,843 32,929 Deposits 2,66,375 2,83,647 25% Borrowings 28,690 23,726 36% Other liabilities & provisions 12,505 8,210 TOTAL 3,39,905 3,49,005 ASSETS 2% Cash & bala
Slide 32: Financials
Financials ₹ in Cr Q4 FY24 Q3 FY25 Q4 FY25 Q-o-Q Y-o-Y Interest income 5,978 6,809 6,648 -2% 11% Interest expenses 3,783 4,377 4,271 -2% 13% Net interest income 2,195 2,431 2,377 -2% 8% Other income 754 916 1,006 10% 33% Operating expense 1,839 1,778 1,918 8% 4% Total income 6,732 7,725 7,654 -1% 14
Slide 33: Key Indicators
Key Indicators Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Book Value 119.45 123.80 126.86 130.69 134.87 (Per Share in ₹) Shareholder value EPS 14.97 16.60 17.11 15.45 17.02 (annualized) CASA + Deposits < ₹3Cr Granularity (% of Total Deposits) 82% 80% 80% 82% 81% ROA % 1.22 1.27 1.28 1.14 1.24 Profitabi
Slide 34: Fresh slippages break up
Fresh slippages break up ₹ in cr Fresh slippages NPA Composition Retail Agri BuB CV/CE CoB CIB Q3 FY25 Q4 FY25 486 483 Business NPA NPA 41 26 Gross NPA 428 18 417 19 5 Retail 1,760 1,796 17 37 33 11 45 Agri 1,014 1,100 352 12 63 BuB 777 741 23 62 CV/CE 81 77 7 123 171 55 CoB 567 569 88 71 Corporate
Slide 35: Top Sectors in Advance Portfolio as per Basel 3 Disclosure
Top Sectors in Advance Portfolio as per Basel 3 Disclosure# Infrastructure (Pertaining to Industries 10.00% Sector Only) Chemicals and Chemical Products (Dyes, Industry 30.10% 2.93% Paints, etc.) Textiles 2.58% Services 29.40% All Engineering 2.56% Food Processing 2.52% Retail Loans 26.94% Basic Met
Slide 36: Top 20 concentration as a percentage of portfolio
Top 20 concentration as a percentage of portfolio Top 20 Borrowers & Depositors concentration as a % of total portfolio 10.71 10.77 10.89 10.65 10.32 10.03 10.11 8.43 7.93 7.51 7.43 6.87 7.03 6.66 5.83 5.19 4.81 4.85 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 % Top 20 Borrowers %
Slide 37: Group companies
Group companies Fedbank Financial Services Subsidiary Federal Operations & Services (FedServ) Subsidiary 61.03% 100% ▪ A wholly owned subsidiary company of Federal Bank ▪ Marketing Retail Asset Products of the Bank ▪ Provides operational & technology-oriented services to ▪ Retail Hubs established at
Slide 38: Fedbank Financial Services
Fedbank Financial Services Subsidiaries – Q4FY25 update NPAs Gross NPA and Net NPA stands Disbursals at 2.0% & 1.2%, respectively. ₹5,578 Cr disbursed in Q4FY25, reflecting growth of 28.6% YoY. KEY HIGHLIGHTS ❑ 61.03% stake held by Federal Bank Limited Contained ❑ For Q4FY25, ROA and ROE reported at
Slide 39: Corporate governance & ESG snapshot
Corporate governance & ESG snapshot Strong & Diverse 11 73% Total Board Independent Strong Board & Diverse Board Members Directors Women Women Focus on Gender 42% 18% Representation Representation diversity in workforce in the Board Diversity & Inclusion Social Responsibility Governance Structure ES
Slide 40: ESG performance snapshot
ESG performance snapshot Finance women Public Commitments Grow green portfolio In-house solar power Water conservation Bank Premises to be Gender diversity ratio entrepreneurs – size generation capacity capacity green certified (Women) BC Channel Greater than or Target metric ₹ 13,000 Cr 500KW 1 Lak
Slide 41: Award-winning franchise & other initiatives / highlights
Award-winning franchise & other initiatives / highlights Federal Bank – Brand Ambassador Federal Bank wins “Best CSR Project – Health (Large We are pleased to announce the onboarding of the Enterprise Category)”. acclaimed Bollywood actress Vidya Balan as our first-ever at KMA Green Palms Sustainabi
Slide 42: External ratings
External ratings Fixed Deposit A1+ (Short term) Fixed Deposit AAA Certificate of Deposit A1+ India Ratings Tier 2 (Capital) Bonds & Research Pvt Ltd, IND AA+ CARE AA+ CARE Infrastructure Bonds IND AA+ CARE AA+ Fixed Deposits (short term) and Certificate of Deposits enjoy highest rating in that class
Slide 43: Thank You
Thank You 42