Federal Bank announced Q4FY25 & FY25 results Financial Highlights: Total Business of the Bank reached Rs. 5,18,483.86 crore. Annual Net Profit at Rs 4051.89 crore and net profit for the quarter at Rs 1030.23 crore, increases by 13.67% YoY. Highest Ever Other Income backed by strong Fee Income momentum, NII up by 14.16% to Rs.9467.99 crore. Decadal Best Asset Quality with GNPA and NNPA at 1.84 % and 0.44 % respectively. CRAR stood at 16.40%. Provision Coverage Ratio stood at 75.37%. ROA for Q4 stood at 1.24 % and ROE at 12.82 %. Total Deposits increased by 12.32 %. Total Net Advances increased by 12.15 %. KVS Manian, Managing Director & CEO, Federal Bank, said: “As we have consistently articulated, our focus remains on profitable growth - driven by sustainable, high-quality earnings aligned with long term value creation. This quarter’s performance is a strong validation of that approach. It has also been a transformative year for the Bank, with several strategic initiatives beginning to deliver tangible outcomes. Notably, our focused efforts in mid-yield segments and current accounts have shown significant traction, with current account balances growing 35% YoY (27% QoQ) and a 19% growth in mid-yield segments. Despite the prevailing rate cut environment, we have effectively navigated NIM pressures through strategic asset pricing, robust CASA growth, and the best asset quality seen in over a decade. At the same time, we have launched several high-impact initiatives within the franchise to further strengthen efficiency and future growth prospects. Crossing the twin milestones of Rs 5 Lakh crore in total business and Rs 4000 crore in annual net profit marks a defining moment in our journey. With a clear strategy, disciplined execution, and a committed team, we remain confident in our ability to sustain momentum and continue delivering long term value to all stakeholders.” Result PDF
Conference Call with Federal Bank Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.