The Federal Bank Limited
FBL is a mid-sized old private sector bank headquartered in Kerala. As on June 30, 2024, the bank had a network of 1,518 banking outlets and 2,041 ATMs. The bank’s share holding pattern is well diversified with shares held by mutual funds (35%), fina...
Key Metrics
EPS
15.93
Current ratio
0.08
Debt/Equity
8.98
Debt/EBITDA
50.52
Interest coverage ratio
-
Operating Cashflow to total debt
0.02
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Long track record of operations with an established franchise
Comfortable capitalisation levels
Stable profitability parameters
Stable asset quality
Liquidity – Adequate
Cons
Geographic concentration in advance and deposits portfolio
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About The Federal Bank Limited bond.
This comprehensive profile covers key factual information about The Federal Bank Limited. FBL is a mid-sized old private sector bank headquartered in Kerala. As on June 30, 2024, the bank had a network of 1,518 banking outlets and 2,041 ATMs. The bank’s share holding pattern is well diversified with shares held by mutual funds (35%), financial institutions, and banks (11%), foreign institutional investors (28%), corporate (2%), and others (25%) as on June 30, 2024. Federal Bank’s total business stood at ₹4.86 lakh crore with advances of ₹2.20 lakh crore and deposits of ₹2.66 lakh crore as on June 30, 2024. EPS in Mar-2024 was 15.93. Current ratio in Mar-2024 was 0.08. Debt/Equity in Mar-2024 was 8.98. Debt/EBITDA in Mar-2024 was 50.52. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.02. Total revenue for Mar-2025(E) was ₹28,765.21. Net income for Mar-2025(E) stood at ₹4,630.69. Total assets as of Mar-2024 were ₹318,376.08. Operating cash flow for Mar-2024 was ₹6,431.17. The company’s borrowing relationships include Central Bank of India (₹N/A Cr), HDFC Bank limited (₹N/A Cr), ICICI Bank limited (₹N/A Cr), ICICI Bank limited (₹N/A Cr), Proposed (₹N/A Cr), Union Bank of India (₹N/A Cr), ICICI Bank limited (₹N/A Cr). Peers and comparison entities consist of The Federal Bank Limited, HDFC Bank Limited, ICICI Bank Limited, Kotak Mahindra Bank Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Long track record of operations with an established franchise; Comfortable capitalisation levels; Stable profitability parameters; Stable asset quality; Liquidity – Adequate. Key risks include: Geographic concentration in advance and deposits portfolio. Leadership team details include SHYAM SRINIVASAN (Managing Director & Chief Executive Officer), SHALINI WARRIER (Executive Director ), Harsh Dugar (Executive Director ), VENKATRAMAN VENKATESWARAN (Group President & CFO), ASHUTOSH KHAJURIA (Chief Mentor & off.on spl. duty), AJITH KUMAR K K (Chief Human Resources Officer), NANDAKUMAR V (Executive Vice Precedent & Head - Branch Banking), JOHNSON K JOSE (Executive Vice Precedent), DIVAKAR DIXIT (Head-Credit (CB, BUB, RTL & Agri)), KAPIL BHATIA (Executive Vice Precedent & Country Head - CIB), PITCHAI MAHALINGAM (Executive Vice Precedent & Chief Internal Auditor), SANJESH KUMAR (Head - Credit (CIB)), LAKSHMANAN V (Executive Vice Precedent & Head-Treasury (Treasurer)), SUNIL KUMAR K N (Executive Vice Precedent - Chief Legal & Compliance Officer), BIJU K (Senior Vice Precedent & Chief Vigilance Officer), DAMODARAN C (Senior Vice Precedent & Chief Risk Officer), SAMIR PRAVINBHAI RAJDEV (Senior Vice Precedent & Company Secretary), M V S MURTHY (Chief Marketing Officer), SOUVIK ROY (AExecutive Vice Precedent & Head-Investor Relations). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.