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