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Federal Bank

Federal Bank's net profit rose 40.7% to INR 13.2 bil in 2018

By Helgi Library - November 3, 2019

Federal Bank made a net profit of INR 13.2 bil under revenues of INR 56.4 bil in 2018, up 40.7% and 16.2% respectively compared to th...

Federal Bank's net profit rose 40.7% to INR 13.2 bil in 2018

By Helgi Library - November 3, 2019

Federal Bank made a net profit of INR 13.2 bil under revenues of INR 56.4 bil in 2018, up 40.7% and 16.2% respectively compared to th...

Federal Bank's price/earnings (P/E) fell 22.7% to 14.6 in 2018

By Helgi Library - November 3, 2019

Federal Bank stock traded at INR 96.1 per share at the end 2018 implying a market capitalization of USD 2,745 mil. Since the end of 201...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	31.3	36.9	43.2
Net Fee Income	INR bil	5.76	6.37	7.81
Other Income	INR bil	5.08	5.24	5.36
Total Revenues	INR bil	42.1	48.5	56.4
Operating Profit	INR bil	19.6	23.4	28.0
Provisions	INR bil	11.1	14.3	15.4
Net Profit	INR bil	8.67	9.35	13.2

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	28.8	40.6	36.3
Customer Loans	INR bil	741	930	1,115
Total Assets	INR bil	1,155	1,392	1,606
Shareholders' Equity	INR bil	89.5	123	136
Interbank Borrowing	INR bil	0	0	0
Customer Deposits	INR bil	977	1,120	1,349
Issued Debt Securities	INR bil	63.5	127	91.1

Ratios		2016	2017	2018
ROE	%	10.2	8.81	10.2
ROA	%	0.825	0.735	0.878
Costs (As % Of Assets)	%	2.14	1.97	1.89
Costs (As % Of Income)	%	53.4	51.7	50.3
Capital Adequacy Ratio	%	12.6	14.9	14.4
Net Interest Margin	%	2.98	2.90	2.88
Loans (As % Of Deposits)	%	75.9	83.1	82.7
NPLs (As % Of Loans)	%	2.31	2.97	2.88

Valuation		2016	2017	2018
Price/Earnings (P/E)		18.2	18.8	14.6
Price/Book Value (P/BV)		1.76	1.43	1.41
Dividend Yield	%	0.984	1.12	1.45
Earnings Per Share (EPS)	INR	4.96	4.86	6.61
Book Value Per Share	INR	51.3	63.7	68.1
Dividend Per Share	INR	0.889	1.02	1.40

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil												20.4	40.5	24.3	25.7	31.3
Total Revenues	INR bil												27.0	43.9	33.0	33.8	42.1
Operating Profit	INR bil												14.8	14.7	16.4	14.4	19.6
Net Profit	INR bil												8.53	8.50	10.6	4.86	8.67
balance sheet
Interbank Loans	INR bil												9.78	14.3	14.0	16.5	28.8
Customer Loans	INR bil												443	437	515	584	741
Debt Securities	INR bil												208	237	240	248	277
Total Assets	INR bil												710	746	829	947	1,155
Shareholders' Equity	INR bil												62.7	69.2	52.1	80.6	89.5
Interbank Borrowing	INR bil												0	0	0	0	0
Customer Deposits	INR bil												576	597	708	792	977
Issued Debt Securities	INR bil												52.7	57.9	24.1	52.5	63.5
ratios
ROE	%												14.4	12.9	17.4	7.33	10.2
ROA	%												1.30	1.17	1.34	0.548	0.825
Costs (As % Of Assets)	%												1.86	4.01	2.12	2.18	2.14
Costs (As % Of Income)	%												45.3	66.5	50.5	57.2	53.4
Capital Adequacy Ratio	%												14.9	15.3	15.8	14.3	12.6
Net Interest Margin	%												3.11	5.57	3.09	2.89	2.98
Interest Income (As % Of Revenues)	%												75.6	92.4	73.6	76.0	74.3
Fee Income (As % Of Revenues)	%												11.3	7.61	11.5	13.1	13.7
Equity (As % Of Assets)	%												8.82	9.28	6.29	8.51	7.75
Loans (As % Of Deposits)	%												76.9	73.2	72.8	73.8	75.9
Loans (As % Assets)	%												62.4	58.5	62.2	61.7	64.2
NPLs (As % Of Loans)	%												3.51	2.49	2.05	2.82	2.31
valuation
Market Capitalisation (End Of Period)	USD mil												1,501	265	1,797	1,205	2,322
Number Of Shares (Average)	mil												1,711	1,711	1,712	1,726	1,747
Share Price (End Of Period)	INR												48.1	9.58	66.2	46.3	90.3
Earnings Per Share (EPS)	INR												4.98	4.97	6.18	2.82	4.96
Book Value Per Share	INR												36.6	40.5	30.5	46.7	51.3
Dividend Per Share	INR												0.900	0.200	1.10	0.698	0.889
Price/Earnings (P/E)													9.64	1.93	10.7	16.4	18.2
Price/Book Value (P/BV)													1.31	0.237	2.17	0.991	1.76
Dividend Yield	%												1.87	2.09	1.67	1.51	0.984
Earnings Per Share Growth	%	...											13.1	-0.342	24.4	-54.4	76.1
Book Value Per Share Growth	%	...											12.0	10.5	-24.8	53.4	9.67

income statement	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil												62.5	87.8	74.9	78.3	87.8
Interest Cost	INR bil												42.1	47.3	50.6	52.6	56.5
Net Interest Income	INR bil												20.4	40.5	24.3	25.7	31.3
Net Fee Income	INR bil												3.05	3.34	3.81	4.41	5.76
Other Income	INR bil												3.53	0.012	4.91	3.68	5.08
Total Revenues	INR bil												27.0	43.9	33.0	33.8	42.1
Operating Cost	INR bil												12.2	29.2	16.7	19.3	22.5
Operating Profit	INR bil												14.8	14.7	16.4	14.4	19.6
Provisions	INR bil												6.28	6.41	6.23	9.56	11.1
Extra and Other Cost	INR bil												-0.026	-0.208	-0.454	0.004	< -0.001
Pre-Tax Profit	INR bil												8.53	8.50	10.6	4.88	8.53
Tax	INR bil												0	0	0	0	0
Minorities	INR bil												0	0	0	0	0
Net Profit	INR bil												8.53	8.50	10.6	4.86	8.67
Dividends	INR bil												1.54	0.342	1.89	1.20	1.55
growth rates
Net Interest Income Growth	%	...											3.19	98.4	-40.0	5.57	22.0
Net Fee Income Growth	%	...											21.2	9.47	14.1	15.6	30.7
Total Revenue Growth	%	...											7.77	62.5	-24.8	2.20	24.8
Operating Cost Growth	%	...											21.4	139	-42.9	15.8	16.6
Operating Profit Growth	%	...											-1.38	-0.583	11.3	-11.7	35.9
Pre-Tax Profit Growth	%	...											-25.6	-0.341	24.5	-53.9	74.9
Net Profit Growth	%	...											13.1	-0.341	24.5	-54.0	78.2
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...		1.14	1.63	1.09	1.00	1.05		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...		1.44	1.58	1.94	1.18	...	...	...

balance sheet	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil												27.5	31.1	33.8	37.8	45.8
Interbank Loans	INR bil												9.78	14.3	14.0	16.5	28.8
Customer Loans	INR bil												443	437	515	584	741
Debt Securities	INR bil												208	237	240	248	277
Fixed Assets	INR bil												4.12	4.36	4.73	5.24	4.92
Total Assets	INR bil												710	746	829	947	1,155
Shareholders' Equity	INR bil												62.7	69.2	52.1	80.6	89.5
Of Which Minority Interest	INR bil												0	0	0	0	0
Liabilities	INR bil												647	677	777	866	1,065
Interbank Borrowing	INR bil												0	0	0	0	0
Customer Deposits	INR bil												576	597	708	792	977
Sight Deposits	INR bil												420	411	40.6	46.3	56.5
Term Deposits	INR bil												157	187	668	745	920
Issued Debt Securities	INR bil												52.7	57.9	24.1	52.5	63.5
Other Liabilities	INR bil												18.5	22.0	44.6	22.3	25.2
asset quality
Non-Performing Loans	INR bil												15.5	10.9	10.6	16.7	17.3
Gross Loans	INR bil												443	437	515	591	749
growth rates
Customer Loan Growth	%	...											16.8	-1.41	17.9	13.4	26.8
Total Asset Growth	%	...											17.3	5.14	11.1	14.2	21.9
Shareholders' Equity Growth	%	...											12.0	10.5	-24.7	54.7	11.0
Customer Deposit Growth	%	...											17.7	3.68	18.6	11.8	23.4
market share
Market Share in Customer Loans	%	...	...	...									0.803	0.680	0.726	0.733	0.897		...
Market Share in Total Assets	%												0.818	0.738	0.744	0.751	0.813		...
Market Share in Customer Deposits	%												0.915	0.830	0.868	0.866	0.917		...

ratios	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%												14.4	12.9	17.4	7.33	10.2
ROA	%												1.30	1.17	1.34	0.548	0.825
Costs (As % Of Assets)	%												1.86	4.01	2.12	2.18	2.14
Costs (As % Of Income)	%												45.3	66.5	50.5	57.2	53.4
Capital Adequacy Ratio	%												14.9	15.3	15.8	14.3	12.6
Tier 1 Ratio	%												14.1	14.6	15.0	13.7	12.1
Net Interest Margin	%												3.11	5.57	3.09	2.89	2.98
Interest Spread	%	...											2.47	4.92	2.55	2.41	2.51
Asset Yield	%												9.51	12.1	9.51	8.81	8.36
Cost Of Liabilities	%	...											7.03	7.14	6.95	6.40	5.85
Payout Ratio	%												18.1	4.03	17.8	24.8	17.9
Interest Income (As % Of Revenues)	%												75.6	92.4	73.6	76.0	74.3
Fee Income (As % Of Revenues)	%												11.3	7.61	11.5	13.1	13.7
Other Income (As % Of Revenues)	%												13.1	0.027	14.9	10.9	12.0
Equity (As % Of Assets)	%												8.82	9.28	6.29	8.51	7.75
Loans (As % Of Deposits)	%												76.9	73.2	72.8	73.8	75.9
Loans (As % Assets)	%												62.4	58.5	62.2	61.7	64.2
NPLs (As % Of Loans)	%												3.51	2.49	2.05	2.82	2.31
Cost of Provisions (As % Of Loans)	%												1.53	1.46	1.31	1.74	1.67

other data	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees													10,059	10,467	10,981	11,287	11,593
Sight (As % Of Customer Deposits)	%												72.8	68.8	5.73	5.85	5.79

Get all company financials in excel:

Download Sample $19.99

Federal Bank in Numbers
Annual (2001 - 2018)

Nov 2019

Statistical Dossier

$19.99

Federal Bank's price/earnings (P/E) fell 22.7% to 14.6 in 2018

By Helgi Library - November 3, 2019

Federal Bank stock traded at INR 96.1 per share at the end 2018 implying a market capitalization of USD 2,745 mil. Since the end of 2013, the stock has appreciated by 904 % implying an annual average growth of 58.6 %. In absolute terms, the value of the company r...

Federal Bank's share price (end of period) rose 5.21% to INR 96.1 in 2018

By Helgi Library - November 3, 2019

Federal Bank stock traded at INR 96.1 per share at the end of 2018 implying a market capitalization of USD 2,745 mil. Since the end of 2013, the stock has appreciated by 904 % implying an annual average growth of 58.6 %. In absolute terms, the value of the company ...

Federal Bank's share price (end of period) rose 5.21% to INR 96.1 in 2018

By Helgi Library - November 3, 2019

Federal Bank's net interest income rose 17.1% to INR 43.2 bil in 2018

By Helgi Library - November 3, 2019

Federal Bank generated total banking revenues of INR 56.4 bil in 2018, up 16.2% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 56.4 bil in 2018 and an al...

Federal Bank's net interest income rose 17.1% to INR 43.2 bil in 2018

By Helgi Library - November 3, 2019

Federal Bank's net interest margin fell 0.507% to 2.88% in 2018

By Helgi Library - November 3, 2019

Federal Bank's net interest margin amounted to 2.88% in 2018, down from 2.90% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 5.57% in 2013 and an all time low of 2.88% in 2018. The average margin ...

Federal Bank's net interest margin fell 0.507% to 2.88% in 2018

By Helgi Library - November 3, 2019

Federal Bank's capital adequacy ratio fell 3.02% to 14.4% in 2018

By Helgi Library - November 3, 2019

Federal Bank's capital adequacy ratio reached 14.4% at the end of 2018, down from 14.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.5% in 2007 and an all time low of 10.6% in 2001. The Tier 1 ratio amounted...

Federal Bank's capital adequacy ratio fell 3.02% to 14.4% in 2018

By Helgi Library - November 3, 2019

Federal Bank's customer loan growth fell 22.0% to 19.9% in 2018

By Helgi Library - November 3, 2019

Federal Bank's customer loan growth reached 19.9% in 2018, down from 25.5% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 34.1% in 2005 and an all time low of -1.41% in 2013. In the last decade, the averag...

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Finance

Federal Bank has been growing its revenues and asset by 18.6% and 19.2% a year on average in the last 3 years. Its loans and deposits have grown by 24.1% and 19.4% a year during that time and loans to deposits ratio reached 82.7% at the end of 2018. The company achieved an average return on equity of 9.73% in the last three years with net profit growing 39.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 50.3% in 2018, compared to 51.8% average in the last three years.

Equity represented 8.46% of total assets or 12.2% of loans at the end of 2018. Federal Bank's non-performing loans were 2.88% of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

Federal Bank stock traded at INR 96.1 per share at the end of 2018 resulting in a market capitalization of USD 2,745 mil. Over the previous five years, stock price rose by 904% or 58.6% a year on average. That’s compared to an average ROE of 10.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 14.6x and price to book value (PBV) of 1.41x in 2018.

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Federal Bank

Federal Bank's net profit rose 40.7% to INR 13.2 bil in 2018

Federal Bank's net profit rose 40.7% to INR 13.2 bil in 2018

Federal Bank's price/earnings (P/E) fell 22.7% to 14.6 in 2018

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Federal Bank's price/earnings (P/E) fell 22.7% to 14.6 in 2018

Federal Bank's share price (end of period) rose 5.21% to INR 96.1 in 2018

Federal Bank's share price (end of period) rose 5.21% to INR 96.1 in 2018

Federal Bank's net interest income rose 17.1% to INR 43.2 bil in 2018

Federal Bank's net interest income rose 17.1% to INR 43.2 bil in 2018

Federal Bank's net interest margin fell 0.507% to 2.88% in 2018

Federal Bank's net interest margin fell 0.507% to 2.88% in 2018

Federal Bank's capital adequacy ratio fell 3.02% to 14.4% in 2018

Federal Bank's capital adequacy ratio fell 3.02% to 14.4% in 2018

Federal Bank's customer loan growth fell 22.0% to 19.9% in 2018

Finance

Valuation

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