The Federal Bank, 500469, FEDERALBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

42,845.96
11.04
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

56,103.70
0.69%
1.42

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

13.46
23.93
50.46

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.21
19.80
24.25

PAT CAGR (%)

10 Years
5 Years
3 Years

1.11
1.21

P:E (Median)

8 Years
5 Years
3 Years

11.25
10.21
10.21

P:BV (Average)

8 Years
5 Years
3 Years

1.33
1.11
1.21

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.01
6.89
7.73

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Interest Earned 5,978.35 4,720.74 26.64% 5,730.10 4,433.25 29.25% 5,455.28 4,020.78 35.68% 5,024.53 3,628.86 38.46%
Interest Exp. 3,783.24 2,811.45 34.57% 3,606.74 2,476.72 45.63% 3,398.86 2,258.95 50.46% 3,105.94 2,024.35 53.43%
Net Interest Income 2,195.11 1,909.29 14.97% 2,123.36 1,956.53 8.53% 2,056.42 1,761.83 16.72% 1,918.59 1,604.51 19.57%
NIM 3.21 3.31 -3.02% 3.19 3.49 -8.60% 3.16 3.30 -4.24% 3.15 3.22 -2.17%
Other Income 753.88 733.86 2.73% 862.56 534.00 61.53% 730.42 609.52 19.84% 732.41 452.62 61.82%
Total Income 6,732.23 5,454.60 23.42% 6,592.66 4,967.25 32.72% 6,185.70 4,630.30 33.59% 5,756.94 4,081.48 41.05%
Operating Exp. 1,838.64 1,308.58 40.51% 1,548.59 1,216.32 27.32% 1,462.39 1,159.11 26.16% 1,348.65 1,083.76 24.44%
Operating Profit 1,110.35 1,334.57 -16.80% 1,437.33 1,274.21 12.80% 1,324.45 1,212.24 9.26% 1,302.35 973.37 33.80%
Provision -94.60 116.66 - 91.22 198.69 -54.09% 43.90 267.86 -83.61% 155.58 166.68 -6.66%
PBT 1,204.95 1,217.91 -1.06% 1,346.11 1,075.52 25.16% 1,280.55 944.38 35.60% 1,146.77 806.69 42.16%
PBTM 20.16 25.80 -21.86% 23.49 24.26 -3.17% 23.47 23.49 -0.09% 22.82 22.23 2.65%
TAX 298.65 315.30 -5.28% 339.37 271.91 24.81% 326.73 240.67 35.76% 293.03 206.03 42.23%
PAT 906.30 902.61 0.41% 1,006.74 803.61 25.28% 953.82 703.71 35.54% 853.74 600.66 42.13%
PATM 15.16% 19.12% 17.57% 18.13% 17.48% 17.50% 16.99% 16.55%
EPS 3.72 4.27 -12.88% 4.14 3.80 8.95% 4.06 3.34 21.56% 4.03 2.86 40.91%
Gross NPA 4,528.87 4,183.77 8.25% 4,628.79 4,147.85 11.59% 4,436.05 4,031.06 10.05% 4,434.77 4,155.33 6.72%
Gross NPA% 2.13 2.36 -9.75% 2.29 2.43 -5.76% 2.26 2.46 -8.13% 2.38 2.69 -11.52%
Net NPA 1,255.33 1,205.01 4.18% 1,284.37 1,228.59 4.54% 1,229.81 1,262.35 -2.58% 1,274.59 1,420.25 -10.26%
Net NPA% 0.60 0.69 -13.04% 0.64 0.73 -12.33% 0.64 0.78 -17.95% 0.69 0.94 -26.60%
CASA 29.38 32.68 -10.10% 30.63 34.24 -10.54% 31.17 36.41 -14.39% 31.85 36.84 -13.55%

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Interest Earned 6,339.22 5,012.26 26.47% 6,085.20 4,697.50 29.54% 5,791.28 4,258.93 35.98% 5,349.77 3,843.09 39.20%
Interest Exp. 3,936.34 2,937.54 34.00% 3,759.68 2,584.90 45.45% 3,544.14 2,349.04 50.88% 3,254.51 2,103.76 54.70%
Net Interest Income 2,402.88 2,074.72 15.82% 2,325.52 2,112.60 10.08% 2,247.14 1,909.89 17.66% 2,095.26 1,739.33 20.46%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 809.90 768.42 5.40% 908.35 565.08 60.75% 756.92 627.65 20.60% 741.31 475.08 56.04%
Total Income 7,149.12 5,780.68 23.67% 6,993.55 5,262.58 32.89% 6,548.20 4,886.58 34.00% 6,091.08 4,318.17 41.06%
Operating Exp. 1,993.27 1,449.15 37.55% 1,700.21 1,329.86 27.85% 1,603.78 1,256.39 27.65% 1,469.44 1,175.80 24.97%
Operating Profit 1,219.51 1,393.99 -12.52% 1,533.66 1,347.82 13.79% 1,400.28 1,281.15 9.30% 1,367.13 1,038.61 31.63%
Provision -76.53 125.26 - 113.85 213.64 -46.71% 57.57 284.52 -79.77% 164.69 175.21 -6.00%
PBT 1,296.04 1,268.73 2.15% 1,419.81 1,134.18 25.18% 1,342.71 996.63 34.73% 1,202.44 863.40 39.27%
PBTM 20.44 25.31 -19.24% 23.33 24.14 -3.36% 23.18 23.40 -0.94% 22.48 22.47 0.04%
TAX 323.65 329.16 -1.67% 356.57 281.90 26.49% 342.55 255.72 33.96% 310.70 220.40 40.97%
PAT 972.39 939.57 3.49% 1,063.24 852.28 24.75% 1,000.16 740.91 34.99% 891.74 643.00 38.68%
PATM 15.34% 18.75% 17.47% 18.14% 17.27% 17.40% 16.67% 16.73%
EPS 4.03 3.90 3.33% 4.41 3.54 24.58% 4.15 3.07 35.18% 3.70 2.67 38.58%
Gross NPA 4,677.29 4,343.52 7.68% 4,796.64 4,308.99 11.32% 4,617.12 4,173.10 10.64% 4,610.79 4,273.04 7.90%
Gross NPA% 2.11 2.35 -10.21% 2.28 2.42 -5.79% 2.27 2.45 -7.35% 2.37 2.67 -11.24%
Net NPA 1,365.55 1,323.44 3.18% 1,401.80 1,348.55 3.95% 1,362.78 1,363.96 -0.09% 1,404.34 1,505.82 -6.74%
Net NPA% 0.63 0.73 -13.70% 0.68 0.77 -11.69% 0.68 0.82 -17.07% 0.74 0.96 -22.92%
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 8,293.48 7,232.16 5,961.95 5,533.70 4,648.90 4,176.34 3,582.81 3,052.64 2,504.24 2,380.41 2,228.61 Interest Earned 22,188.26 16,803.63 13,660.75 13,757.90 13,210.75 11,419.02 9,752.86 8,677.38 7,744.69 7,419.47 6,946.08 Interest Expended 13,894.78 9,571.47 7,698.80 8,224.20 8,561.85 7,242.68 6,170.05 5,624.74 5,240.45 5,039.06 4,717.47 Int. income Growth 14.68% 21.31% 7.74% 19.03% 11.32% 16.57% 17.37% 21.90% 5.20% 6.81% Other Income 3,079.27 2,330.00 2,089.09 1,958.71 1,931.41 1,351.02 1,159.12 1,081.81 786.38 878.31 693.85 Total Income 25,267.53 9,562.16 8,051.04 7,492.41 6,580.31 5,527.36 4,741.93 4,134.45 3,290.62 3,258.72 2,922.46 Total Expenditure 6,198.27 5,353.05 5,392.00 5,250.64 4,428.32 3,499.74 3,256.37 2,705.78 2,465.52 1,663.08 1,616.73 Employee Cost - 2,173.00 2,320.55 2,034.18 1,772.36 1,377.76 1,242.47 1,163.75 1,052.85 891.96 771.54 % Of Sales - 12.93% 16.99% 14.79% 13.42% 12.07% 12.74% 13.41% 13.59% 12.02% 11.11% Opt. & Establishment Exp. - 2,759.38 2,095.60 1,762.04 1,722.71 1,506.89 1,331.61 1,167.96 919.44 813.56 764.26 % Of Sales - 16.42% 15.34% 12.81% 13.04% 13.20% 13.65% 13.46% 11.87% 10.97% 11.00% Provisions - 749.89 1,221.77 1,663.42 1,172.17 855.85 928.63 618.41 704.13 106.74 268.41 % Of Sales - 4.46% 8.94% 12.09% 8.87% 7.49% 9.52% 7.13% 9.09% 1.44% 3.86% EBITDA 5,174.48 4,209.11 2,659.04 2,241.77 2,151.99 2,027.62 1,485.56 1,428.67 825.10 1,595.64 1,305.73 EBITDA Margin 72.07% 58.20% 44.60% 40.51% 46.29% 48.55% 41.46% 46.80% 32.95% 67.03% 58.59% Depreciation 0.00 164.61 122.96 104.50 119.46 120.38 123.17 122.17 105.45 74.59 93.74 PBT 4,978.38 4,044.50 2,536.08 2,137.27 2,032.53 1,907.25 1,362.40 1,306.50 719.65 1,521.04 1,211.99 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 1,257.78 1,033.91 646.26 546.97 489.75 663.36 483.55 475.71 244.00 515.29 373.10 Tax Rate 25.26% 25.56% 25.48% 25.59% 24.10% 34.78% 35.49% 36.41% 33.91% 33.88% 30.78% PAT 3,720.60 3,010.59 1,889.82 1,590.30 1,542.78 1,243.89 878.85 830.79 475.65 1,005.75 838.89 PAT before Minority Interest 3,720.60 3,010.59 1,889.82 1,590.30 1,542.78 1,243.89 878.85 830.79 475.65 1,005.75 838.89 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 32.72% 31.48% 23.47% 21.23% 23.45% 22.50% 18.53% 20.09% 14.45% 30.86% 28.70% PAT Growth 23.58% 59.31% 18.83% 3.08% 24.03% 41.54% 5.78% 74.66% -52.71% 19.89% EPS 15.43 12.49 7.84 6.60 6.40 5.16 3.65 3.45 1.97 4.17 3.48

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 9,070.80 7,836.54 6,422.15 5,879.12 4,912.08 4,319.11 3,688.48 3,130.69 2,566.93 2,431.44 2,277.94 Interest Earned 23,565.47 17,811.78 14,381.53 14,314.08 13,590.39 11,635.44 9,914.90 8,783.27 7,826.28 7,487.77 7,005.70 Interest Expended 14,494.67 9,975.24 7,959.38 8,434.96 8,678.31 7,316.33 6,226.42 5,652.58 5,259.35 5,056.33 4,727.76 Int. income Growth 15.75% 22.02% 9.24% 19.69% 13.73% 17.10% 17.82% 21.96% 5.57% 6.74% Other Income 3,216.48 2,436.24 2,120.93 1,971.65 1,881.81 1,335.22 1,160.21 1,083.77 808.36 878.54 685.18 Total Income 26,781.95 10,272.78 8,543.08 7,850.77 6,793.89 5,654.33 4,848.69 4,214.46 3,375.29 3,309.98 2,963.12 Total Expenditure 6,766.70 5,827.65 5,757.91 5,527.28 4,608.19 3,571.92 3,330.77 2,748.58 2,528.60 1,700.92 1,663.51 Employee Cost - 2,440.24 2,511.66 2,172.02 1,875.98 1,425.66 1,276.82 1,189.34 1,074.21 913.05 795.43 % Of Sales - 13.70% 17.46% 15.17% 13.80% 12.25% 12.88% 13.54% 13.73% 12.19% 11.35% Opt. & Establishment Exp. - 2,953.14 2,219.39 1,841.56 1,796.45 1,533.17 1,352.65 1,187.07 965.56 841.65 795.93 % Of Sales - 16.58% 15.43% 12.87% 13.22% 13.18% 13.64% 13.52% 12.34% 11.24% 11.36% Provisions - 798.63 1,304.66 1,743.54 1,187.22 857.61 950.76 619.99 705.17 105.20 267.87 % Of Sales - 4.48% 9.07% 12.18% 8.74% 7.37% 9.59% 7.06% 9.01% 1.40% 3.82% EBITDA 5,520.58 4,445.13 2,785.17 2,323.49 2,185.70 2,082.41 1,517.92 1,465.88 846.69 1,609.06 1,299.61 EBITDA Margin 71.29% 56.72% 43.37% 39.52% 44.50% 48.21% 41.15% 46.82% 32.98% 66.18% 57.05% Depreciation 0.00 182.18 138.90 114.92 125.73 122.26 124.73 123.91 108.17 79.49 97.86 PBT 5,261.00 4,262.94 2,646.28 2,208.57 2,059.97 1,960.14 1,393.19 1,341.98 738.51 1,529.57 1,201.75 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 1,333.47 1,087.18 680.88 561.36 507.20 677.62 483.55 488.66 250.61 517.48 372.83 Tax Rate 25.35% 25.50% 25.73% 25.42% 24.62% 34.57% 34.71% 36.41% 33.93% 33.83% 31.02% PAT 3,843.92 3,130.45 1,937.65 1,631.97 1,535.51 1,268.39 909.64 853.32 487.90 1,012.09 828.92 PAT before Minority Interest 3,927.53 3,175.76 1,965.40 1,647.21 1,552.77 1,282.52 909.64 853.32 487.90 1,012.09 828.92 Minority Interest -83.61 -45.31 -27.75 -15.24 -17.26 -14.13 0.00 0.00 0.00 0.00 0.00 PAT Margin 31.28% 30.47% 22.68% 20.79% 22.60% 22.43% 18.76% 20.25% 14.46% 30.58% 27.97% PAT Growth 23.67% 61.56% 18.73% 6.28% 21.06% 39.44% 6.60% 74.90% -51.79% 22.10% EPS 16.29 12.99 8.04 6.77 6.37 5.26 3.77 3.54 2.02 4.20 3.44

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 21,506.24 18,793.84 16,124.47 14,517.61 13,273.04 12,210.24 8,942.38 8,091.22 7,738.14 6,950.59 Share Capital 423.24 420.51 399.23 398.53 397.01 394.43 344.81 343.79 171.33 171.06 Total Reserves 21,080.52 18,371.96 15,724.38 14,119.08 12,876.03 11,815.81 8,597.57 7,747.43 7,566.80 6,779.53 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 213,386.04 181,700.59 172,644.48 152,290.08 134,954.34 111,992.49 97,664.56 79,171.71 70,824.99 59,731.28 Borrowings 19,319.29 15,393.12 9,068.50 10,372.43 7,781.32 11,533.50 5,897.32 5,114.57 2,308.24 5,687.96 Other Liabilities & Provisions 6,130.27 5,058.77 3,529.94 3,457.93 3,331.28 2,577.73 2,472.66 2,203.88 1,979.11 2,224.32 Total Liabilities 260,341.84 220,946.32 201,367.39 180,638.05 159,339.98 138,313.96 114,976.92 94,581.38 82,850.48 74,594.15 Net Block 853.11 605.76 479.01 455.40 454.95 448.08 474.54 504.22 440.05 402.33 Gross Block 2,109.94 1,748.88 1,522.60 1,416.44 1,398.07 1,317.15 1,265.99 1,188.96 1,027.08 917.38 Accumulated Depreciation 1,256.83 1,143.12 1,043.58 961.04 943.12 869.07 791.45 684.74 587.03 515.04 Total Non-Current Assets 242,052.89 205,752.06 189,147.33 171,215.15 152,586.26 132,399.32 109,474.00 89,185.42 77,100.43 72,508.28 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 80.87 28.18 12.12 24.58 17.09 9.29 14.92 15.76 26.58 22.62 Cash and balance with RBI 12,590.85 16,049.27 7,647.04 6,174.91 6,419.17 5,132.76 4,576.57 3,774.54 3,379.54 3,104.29 Balance with banks and money at call 5,097.83 4,961.07 11,944.35 6,399.67 3,647.63 4,070.65 2,875.61 1,645.27 1,400.45 1,425.09 Investments 48,983.35 39,179.46 37,186.21 35,892.68 31,824.47 30,781.07 28,196.09 25,155.49 20,568.82 24,117.85 Advances 174,446.88 144,928.32 131,878.60 122,267.91 110,222.95 91,957.47 73,336.27 58,090.14 51,284.99 43,436.10 Other Assets 18,288.94 15,194.23 12,220.06 9,422.89 6,753.73 5,914.63 5,502.93 5,395.95 5,750.04 2,085.86 Total Assets 260,341.83 220,946.29 201,367.39 180,638.04 159,339.99 138,313.95 114,976.93 94,581.37 82,850.47 74,594.14 Contingent Liabilities 76,601.84 38,914.77 36,417.34 34,460.07 29,344.68 26,815.17 23,235.14 20,253.57 17,214.82 23,481.99 Bills for collection 5,669.45 5,013.28 3,977.22 3,767.65 3,542.81 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 Adjusted Book Value 101.59 89.36 80.75 72.83 66.84 61.89 51.84 47.04 45.14 40.08

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 22,122.41 19,255.52 16,503.95 14,822.36 13,498.25 12,274.23 8,951.37 8,064.13 7,700.27 6,860.71 Share Capital 423.24 420.51 399.23 398.53 397.01 394.43 344.81 343.79 171.33 171.06 Total Reserves 21,695.85 18,832.72 16,103.00 14,423.83 13,101.24 11,879.81 8,606.56 7,720.34 7,528.94 6,689.65 Minority Interest 351.97 305.33 217.04 180.96 80.46 0.00 0.00 0.00 0.00 0.00 Deposits 212,988.50 181,677.52 172,186.10 152,251.91 134,878.93 111,970.10 97,662.08 79,170.90 70,822.69 59,729.04 Borrowings 25,861.98 19,587.39 12,270.60 12,527.72 8,706.29 12,328.84 6,345.49 5,236.32 2,392.98 5,767.54 Other Liabilities & Provisions 6,679.20 5,415.29 3,788.83 3,570.38 3,388.53 2,640.50 2,526.80 2,234.39 1,992.35 2,287.55 Total Liabilities 268,004.06 226,241.05 204,966.52 183,353.33 160,552.46 139,213.67 115,485.74 94,705.74 82,908.29 74,644.84 Net Block 890.32 643.26 504.41 477.20 461.58 451.73 477.40 507.88 446.10 413.84 Gross Block 2,212.44 1,834.69 1,580.82 1,463.43 1,424.16 1,338.55 1,285.37 1,207.78 1,046.03 939.42 Accumulated Depreciation 1,322.12 1,191.44 1,076.42 986.23 962.58 886.82 807.97 699.90 599.93 525.58 Total Non-Current Assets 249,434.63 210,824.86 192,579.30 173,827.01 153,745.02 133,262.14 109,945.47 89,287.02 77,135.75 72,513.04 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 81.39 28.85 13.08 27.61 18.35 9.62 14.94 15.76 26.58 22.62 Cash and balance with RBI 12,604.24 16,066.11 7,654.51 6,182.54 6,422.67 5,136.79 4,578.27 3,776.96 3,381.98 3,108.37 Balance with banks and money at call 5,199.69 5,069.99 12,161.22 6,574.77 3,630.80 4,058.43 2,876.37 1,646.18 1,402.46 1,425.81 Investments 48,702.24 39,065.19 36,731.67 35,715.39 31,675.70 30,594.68 27,912.26 24,920.47 20,349.44 23,838.59 Advances 181,956.75 149,951.46 135,514.41 124,849.50 111,535.92 93,010.89 74,086.23 58,419.77 51,529.19 43,703.81 Other Assets 18,569.43 15,416.18 12,387.22 9,526.31 6,807.45 5,951.55 5,540.26 5,418.71 5,772.54 2,131.80 Total Assets 268,004.06 226,241.04 204,966.52 183,353.32 160,552.47 139,213.69 115,485.73 94,705.73 82,908.29 74,644.84 Contingent Liabilities 76,605.97 38,931.50 36,427.01 34,463.82 29,348.07 26,815.71 23,235.69 20,254.12 17,215.15 23,481.99 Bills for collection 5,669.45 5,013.28 3,977.22 3,767.65 3,542.81 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 Adjusted Book Value 104.50 91.55 82.65 74.36 67.97 62.21 51.89 46.88 44.91 40.08

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 2,869.69 -6,497.41 12,207.21 4,884.08 8,170.89 -4,697.34 3,756.99 -1,519.26 5,163.68 1,224.76 PBT 4,044.50 2,536.08 2,137.27 2,032.53 1,907.25 1,343.86 1,306.50 719.65 1,521.04 1,211.99 Adjustment 1,128.68 1,562.84 1,894.55 1,360.28 1,010.93 1,128.97 788.14 845.26 213.20 390.55 Adjustments for Liabilities & Assets -1,149.79 -9,753.46 8,773.37 2,167.61 5,952.15 -6,487.14 2,063.86 -3,046.46 4,033.30 263.11 Refund/(Payment) of direct taxes -1,153.70 -842.86 -597.99 -676.35 -699.44 -683.03 -401.51 -37.70 -603.87 -640.89 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -9,818.23 812.71 -3,902.18 -4,669.18 -3,374.24 -1,576.61 -2,382.90 1,990.89 -1,364.17 -736.36 Net Fixed Assets -413.75 -242.34 -93.70 -25.86 -88.72 -45.53 -76.19 -151.06 -113.66 -105.67 Other Investment Activity -1378.10 -5679.24 -6203.90 -4815.26 -2991.77 -3709.34 709.98 -2568.89 -1790.02 -4419.27 Cash from Financing Activity 3,642.73 7,110.00 -1,290.13 2,288.52 -3,935.51 8,025.03 658.71 168.17 -3,548.89 320.99 Closing Cash & Equivalent 17,688.68 21,010.35 19,591.39 12,574.58 10,066.80 9,203.41 7,452.17 5,419.81 4,780.00 4,529.38 Net Cash Inflow / Outflow -3,305.80 1,425.30 7,014.90 2,503.41 861.14 1,751.08 2,032.80 639.80 250.62 809.39 Opening Cash & Equivalents 21,010.35 19,591.39 12,574.58 10,066.80 9,203.41 7,452.17 5,419.81 4,780.00 4,529.38 3,719.99

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 489.30 -7,773.65 11,179.03 3,730.57 7,872.64 -5,050.93 3,430.66 -1,556.94 5,158.27 1,196.61 PBT 4,251.90 2,650.67 2,225.69 2,087.39 1,993.87 1,418.99 1,355.53 737.03 1,575.29 1,222.58 Adjustment 1,203.01 1,689.37 1,985.41 1,344.08 979.04 1,108.33 777.92 850.62 171.43 373.41 Adjustments for Liabilities & Assets -3,753.56 -11,220.41 7,596.65 1,000.16 5,616.81 -6,875.86 1,711.01 -3,101.38 4,017.86 242.29 Refund/(Payment) of direct taxes -1,212.04 -893.28 -628.71 -701.07 -717.08 -702.40 -413.79 -43.21 -606.32 -641.66 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -9,843.74 907.73 -3,914.91 -4,692.57 -3,380.02 -1,579.27 -2,383.86 1,990.44 -1,364.28 -737.47 Net Fixed Assets -413.75 -242.34 -93.70 -25.86 -88.72 -45.53 -76.19 -151.06 -113.66 -105.67 Other Investment Activity -1283.08 -5691.97 -6227.29 -4821.04 -2994.43 -3710.30 709.53 -2569.00 -1791.13 -4426.73 Cash from Financing Activity 6,038.13 8,192.64 -207.61 3,661.47 -3,636.61 8,370.62 985.13 205.18 -3,543.73 348.51 Closing Cash & Equivalent 17,803.93 21,136.11 19,815.73 12,757.31 10,053.47 9,195.21 7,454.64 5,423.14 4,784.44 4,534.18 Net Cash Inflow / Outflow -3,316.32 1,326.72 7,056.52 2,699.47 856.00 1,740.42 2,031.93 638.69 250.27 807.64 Opening Cash & Equivalents 21,136.11 19,815.73 12,757.31 10,053.47 9,195.21 7,454.64 5,423.14 4,784.44 4,534.18 3,726.53

Financial Ratios

Consolidated /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 101.59 89.36 80.75 72.83 66.84 61.89 51.84 47.04 45.14 40.60 NIM 3.00 2.91 2.93 2.72 2.75 2.72 2.80 2.82 3.11 3.09 Yield on Advances 9.63 9.43 10.43 10.80 10.36 10.61 11.83 13.33 14.47 15.99 Yield on Investments 5.87 6.95 7.95 7.78 7.12 7.01 7.48 7.50 9.26 8.02 Cost of Liabilities 4.11 3.91 4.53 5.26 5.07 4.99 5.43 6.22 6.89 7.21 Interest Spread 5.52 5.52 5.91 5.54 5.29 5.61 6.40 7.11 7.58 8.78 ROCE 13.34% 9.77% 10.21% 10.86% 10.75% 9.39% 10.89% 7.73% 17.04% 14.22% Cost Income Ratio 49.86 53.32 49.27 51.30 50.01 51.69 53.44 56.73 50.05 49.34 Core Cost Income Ratio 50.02 55.41 53.74 56.52 52.17 54.43 57.75 59.02 54.31 52.13 Operating Costs to Assets 1.83 1.94 1.83 1.87 1.73 1.77 1.92 1.97 1.97 1.93 Loans/Deposits 0.09 0.08 0.05 0.07 0.06 0.10 0.06 0.06 0.03 0.10 Cash/Deposits 0.06 0.09 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.23 0.22 0.22 0.24 0.24 0.27 0.29 0.32 0.29 0.40 Inc Loan/Deposits 9.05% 8.47% 5.25% 6.81% 5.77% 10.30% 6.04% 6.46% 3.26% 9.52% Credit Deposits 81.75% 79.76% 76.39% 80.29% 81.67% 82.11% 75.09% 73.37% 72.41% 72.72% Interest Expended / Interest earned 56.96% 56.36% 59.78% 64.81% 63.43% 63.26% 64.82% 67.67% 67.92% 67.92% Interest income / Total funds 6.45% 6.18% 6.83% 7.31% 7.17% 7.05% 7.55% 8.19% 8.96% 9.31% Interest Expended / Total funds 3.68% 3.48% 4.08% 4.74% 4.55% 4.46% 4.89% 5.54% 6.08% 6.32% CASA 32.86% 37.13% 34.01% 30.71% 32.40% 33.65% 32.82% 32.91% 30.76% 31.25%

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 104.50 91.55 82.65 74.36 67.97 62.21 51.89 46.88 44.91 40.08 NIM 3.15 3.06 3.06 2.83 2.82 2.78 2.86 2.89 3.17 3.16 Yield on Advances 9.79 9.59 10.56 10.89 10.43 10.66 11.86 13.40 14.53 16.03 Yield on Investments 5.90 6.92 8.03 7.82 7.16 7.05 7.54 7.58 10.30 8.11 Cost of Liabilities 4.18 3.95 4.57 5.27 5.10 5.01 5.43 6.23 6.91 7.22 Interest Spread 5.61 5.64 5.99 5.62 5.34 5.65 6.42 7.17 7.63 8.81 ROCE 12.96% 9.68% 10.12% 10.65% 10.83% 9.51% 11.13% 8.01% 17.24% 14.26% Cost Income Ratio 50.73 53.75 49.66 52.20 50.17 51.66 53.45 57.23 50.61 50.40 Core Cost Income Ratio 50.94 55.76 53.95 57.33 52.28 54.34 57.67 59.47 54.85 53.21 Operating Costs to Assets 1.94 2.03 1.90 1.93 1.77 1.80 1.95 2.04 2.02 2.00 Loans/Deposits 0.12 0.11 0.07 0.08 0.06 0.11 0.06 0.07 0.03 0.10 Cash/Deposits 0.06 0.09 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.23 0.22 0.21 0.23 0.23 0.27 0.29 0.31 0.29 0.40 Inc Loan/Deposits 12.14% 10.78% 7.13% 8.23% 6.45% 11.01% 6.50% 6.61% 3.38% 9.66% Credit Deposits 85.43% 82.54% 78.70% 82.00% 82.69% 83.07% 75.86% 73.79% 72.76% 73.17% Interest Expended / Interest earned 56.00% 55.34% 58.93% 63.86% 62.88% 62.80% 64.36% 67.20% 67.53% 67.48% Interest income / Total funds 6.65% 6.36% 6.98% 7.41% 7.25% 7.12% 7.61% 8.26% 9.03% 9.39% Interest Expended / Total funds 3.72% 3.52% 4.12% 4.73% 4.56% 4.47% 4.89% 5.55% 6.10% 6.33% CASA 32.74% 37.13% 34.06% 30.70% 32.37% 33.64% 32.82% 32.91% 30.76% 31.25%

Top Investors:

hdfc mututal fund

international finance corporation

mirae asset mutual fund

life insurance corporation of india

yusuffali musaliam veettil abdul kader

nippon life india trustee

kotak mutual fund

icici prudential mutual fund

hdfc life insurance company ltd

sbi mutual fund

Annual Reports:

News Update:

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20th Jun 2024, 11:52 AM

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Federal Bank enters into strategic bancassurance partnership with Tata AIA Life Insurance
31st May 2024, 16:41 PM

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2nd May 2024, 14:30 PM

Total consolidated income of the bank increased by 23.67% at Rs 7149.12 crore for Q4FY24
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Federal Bank - Quarterly Results
2nd May 2024, 12:45 PM

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Federal Bank gets RBI’s nod to establish representative office in Saudi Arabia
19th Apr 2024, 14:45 PM

This approval is subject to further regulatory approvals from the relevant authorities in Saudi Arabia
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Federal Bank registers 20% rise in gross advances in fourth quarter of FY24
4th Apr 2024, 15:14 PM

CASA Ratio stood at 29.40% as of March 31, 2024 versus 32.68% as of March 31, 2023
Read More
Federal Bank opens 600th branch in Tanur
26th Mar 2024, 14:25 PM

The branch in Tanur comes with its marquee digital capabilities delivered through Fed-e-Studio
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The Federal Bank Ltd.

Bank - Private

BSE: 500469 | NSE: FEDERALBNK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update:

The Federal Bank Ltd.

Bank - Private

BSE: 500469 | NSE: FEDERALBNK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: