Federal Bank Financial Statements

Federal Bank (FEDERALBNK) reported revenue of ₹320.30B in FY2025 with net income of ₹41.59B. Total assets stood at ₹3,601.52B and free cash flow was ₹80.46B.

Federal Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		143.14B	143.82B	178.12B	235.65B	281.06B
Other Income		19.58B	21.21B	24.36B	32.16B	39.24B
Total Income		162.72B	165.02B	202.48B	267.82B	320.30B
Interest Exp. Interest Expenditure		84.35B	79.59B	99.75B	144.95B	176.31B
Op. Expense Operating Expense		38.99B	45.92B	52.11B	67.67B	78.92B
Provisions Provisions & Contingencies		22.91B	19.86B	18.86B	15.93B	23.06B
Net Income		16.80B	19.65B	31.65B	38.80B	41.59B
Dil. Shares Diluted Shares		2.00B	2.09B	2.13B	2.34B	2.48B
Diluted EPS		8.39	9.44	14.85	16.55	16.80

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Federal Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Federal Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		76.55B	160.66B	126.04B	115.09B	203.61B
Loans & adv. Loans & advances		1,355.14B	1,499.51B	1,819.57B	2,181.10B	2,449.95B
Investments		367.32B	390.65B	487.02B	610.43B	660.58B
Total assets		2,049.67B	2,262.41B	2,680.04B	3,178.39B	3,601.52B
Borrowings		122.71B	195.87B	258.62B	251.60B	325.96B
Deposits		1,721.86B	1,816.78B	2,129.89B	2,524.55B	2,834.84B
Total liabilities		1,882.48B	2,066.80B	2,455.30B	2,869.13B	3,246.99B
Total equity		167.19B	195.61B	224.74B	309.26B	354.53B
Total liab. & eq. Total liabilities & equity		2,049.67B	2,262.41B	2,680.04B	3,178.39B	3,601.52B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Federal Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Federal Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		22.26B	26.51B	42.52B	52.14B	55.45B
Operating CF Cash flow Operating Activities		111.78B	-77.74B	4.89B	64.31B	88.01B
Capex Investments in PPE		-1.30B	-2.96B	-4.84B	-3.28B	-7.55B
Investing CF Cash flow Investing Activities		-39.14B	9.08B	-98.44B	-89.08B	-37.94B
Dividend Paid		0	-1.40B	-3.79B	-2.35B	-2.94B
Financing CF Cash flow Financing Activities		-2.08B	81.93B	60.38B	38.71B	74.01B
Cash (start) Cash at beginning of period		127.57B	198.16B	211.36B	178.04B	191.94B
Cash (end) Cash at end of period		198.16B	211.36B	178.04B	191.94B	315.97B
FCF Free Cash Flow		110.48B	-80.69B	52.76M	61.03B	80.46B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Federal Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025