Achieving New Heights with Robust Aspiration
At Federal Bank, we have achieved strong operating performance across all fronts, notwithstanding the challenging business environment. Our relentless commitment to diversifying across customer segments and delivering unmatched customer experiences has led to sustained and robust growth. We prioritise maintaining a human touch in everything we do, ensuring that personal connections and meaningful interactions remain at the core of our approach.
Delivering Solid Performance
17%
₹ 213,386 Crore
Total Deposits
18%
₹ 95,791 Crore
Retail Credit Book
22%
₹ 81,585 Crore
Wholesale Credit Book
20%
₹ 174,447 Crore
Net Advances
19%
₹ 387,833 Crore
Total Business
38%
₹ 2,066 Crore
Total Fee Income
21%
₹ 7,232 Crore
Net Interest Income
28%
₹ 4,794 Crore
Operating Profit
59%
₹ 3,011 Crore
Net Profit
15%
₹ 21,419 Crore
Net Worth
: Y-o-Y Growth/Degrowth
Growing Market Share
1.29% 1
Advance Market Share
1.12% 2
Deposit Market Share
19.30% 3
Individual Inward Remittance
1Disclaimer: Market share calculated based on March 31, 2023 data of (i) Federal Bank’s gross advances, and (ii) RBI Quarterly Statistics on Deposit and Credit of Scheduled Commercial Banks
2Disclaimer: Market share calculated based on March 31, 2023 data of (i) Federal Bank’s Deposits (excluding interbank deposits), and (ii) RBI Quarterly Statistics on Deposit and Credit of Scheduled Commercial Banks
3Data derived from RBI Statement II: Standard Presentation of India’s Balance of Payments - Private Transfer in INR
Fortifying Business Granularity
99%
Core Deposit Ratio
85%
CASA + Deposits <= 2 Crore (% of Total Deposits)
54:46
Retail Credit Book: Wholesale Credit Book
Strengthening Key Ratios
34 bps
1.28%
Return on Assets
415 bps
15.02%
Return on Equity
11 bps
3.31%
Net Interest Margin
346 bps
49.86%
Cost to Income
54%
₹ 22.94 Lakh
Profit Per Employee
Enhancing Asset Quality and Stability
44 bps
2.36%
GNPA
27 bps
0.69%
NNPA
448 bps
70.02%
PCR (Excl Tech W/O)
5 bps
0.40%
Credit Cost
289 bps
83.49%
PCR (Including Tech W/O)
: Y-o-Y Growth/Degrowth
Expanding Digital Prominence
78.77%
of New Accounts Booked From FinTech Partnerships
₹ 18,018 Crore
Mobile Banking Volume for the Month of March 2023
139%
Y-o-Y Growth in UPI Transactions
90%
of Transactions Executed Digitally
₹ 37,322 Crore
of Monthly Corporate Digital Products Volume
80%
Accounts Opened Digitally
Strengthening Our ESG Commitments
0.76%
Coal Related Sub-Project Exposure
₹ 32.22 Billion
Green Loans Outstanding
41%
of the Workforce is Women
84,000 Litres
Rainwater Harvesting Capacity
107.81 Lakh
Sheets of Paper Saved
3.90 Lakh
Total Person-hours of Training
29 hours
Average training hours per employee
₹ 43.88 Crore
CSR Allocation
98%
Committee Meeting Attendance
31,50,156+
Lives Impacted through CSR Initiatives
95%
Board Meeting Attendance