Federal Bank Ltd's Q4FY25 Quarter Results
- 01 May 2025
Result Summary
- Federal Bank Ltd reported a 12.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 23.7%.
- Its expenses for the quarter were down by 9.2% QoQ and up 35.2% YoY.
- The net profit increased 4.7% QoQ and increased 3.4% YoY.
- The earnings per share (EPS) of Federal Bank Ltd stood at 3.9 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 7149.12 | 8196.02 | 5780.68 | -12.8% | 23.7% |
Total Expenses | 5929.61 | 6531.81 | 4386.69 | -9.2% | 35.2% |
Provisions & contingencies | -76.53 | 387.36 | 125.26 | -119.8% | -161.1% |
Profit Before Tax | 1296.04 | 1276.85 | 1268.73 | 1.5% | 2.2% |
Tax | 323.65 | 328.15 | 329.16 | -1.4% | -1.7% |
Profit After Tax | 996.17 | 951.31 | 963.55 | 4.7% | 3.4% |
Earnings Per Share | 3.90 | 3.80 | 4.50 | 2.6% | -13.3% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Federal Bank Ltd is a prominent banking institution in India, primarily offering a range of financial services including retail banking, corporate banking, and treasury operations. The bank is known for its extensive network of branches across the country and its focus on digital banking solutions. As a key player in the Indian financial sector, Federal Bank has been actively involved in expanding its product offerings and enhancing customer experience. The bank's operations are primarily concentrated in India, and it serves both individual clients and large corporate entities. While specific recent developments are not detailed in this data set, the bank's focus on digital transformation and customer-centric services is well-documented in the industry.
Revenue
In the fourth quarter of fiscal year 2025 (Q4FY25), Federal Bank Ltd reported a total income of ₹7149.12 crores. This figure represents a quarter-over-quarter decline of 12.8% from ₹8196.02 crores in Q3FY25. However, on a year-over-year basis, there was a significant increase of 23.7% from ₹5780.68 crores in Q4FY24. The revenue performance showcases a robust annual growth despite a decrease compared to the previous quarter. This trend reflects variations in the bank's income streams over different periods, potentially due to changes in interest income, fee-based income, or other financial services offered by the bank.
Profitability
The profit before tax for Q4FY25 stood at ₹1296.04 crores, showing a modest quarter-over-quarter increase of 1.5% from ₹1276.85 crores in Q3FY25 and a year-over-year increase of 2.2% from ₹1268.73 crores in Q4FY24. The tax expense for the quarter was ₹323.65 crores, slightly lower than the previous quarters. Consequently, the profit after tax for Q4FY25 amounted to ₹996.17 crores, rising by 4.7% from ₹951.31 crores in Q3FY25 and showing a 3.4% increase compared to ₹963.55 crores in Q4FY24. This indicates consistent profitability performance with marginal improvements over both periods. The earnings per share (EPS) for Q4FY25 was ₹3.90, reflecting a 2.6% increase from Q3FY25 but a 13.3% decline from the previous year's corresponding quarter.
Operating Metrics
Total expenses for Q4FY25 were ₹5929.61 crores, marking a 9.2% decrease from Q3FY25’s expenses of ₹6531.81 crores. Year-over-year, the expenses rose by 35.2% from ₹4386.69 crores in Q4FY24. The provisions and contingencies reported a negative figure of ₹-76.53 crores in Q4FY25, contrasting with ₹387.36 crores in Q3FY25 and ₹125.26 crores in Q4FY24, indicating a reversal or reduction in provisioning requirements for the quarter. This reversal is a notable operational change from both the prior quarter and the same quarter in the previous year. Overall, the bank's operating expenses and provisioning have fluctuated significantly over the periods, which is critical for understanding operational efficiency and risk management practices.
