Federal Bank is one of the leading and preferred Personal, NRI and Business Banking partner for customers across India.
COMMITMENT TO EXCELLENCE
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FY22 has been an exceptional year as we delivered all-round performance and progressed towards making our Bank more stable and sustainable in the long run.
Total Deposits (↑5%)
Net Advances (↑10%)
Total Business (↑7%)
Retail Deposits (↑10%)
Net Interest Income (↑8%)
Net Worth (↑16%)
Net Profit (↑19%)
Capital Adequacy (↑ 115 bps)
Return on Assets (↑ 9 bps)
Return on Equity (↑ 49 bps)
Net Interest Margin (↑ 4 bps)
GNPA (↓ 61 bps)
NNPA (↓ 23 bps)
PCR Ratio (↑ 40 bps)
(PCR Including Tech W/O 80.60%)
Collection Efficiency Ratio (↑ 100 bps)
CASA Ratio (↑ 313 bps)
Retail Deposit Ratio (↑ 407 bps)
Core Deposit Ratio (↑ 96 bps)
Retail Credit Book Share (↑ 55 bps)
API is integrated
RPA processes running
Towards a Better Tomorrow with
Towards a Better Tomorrow by
Energy is our primary source of carbon footprint. We are reducing it through renewable energy and undertaking energy efficiency measures.
We have an installed Rainwater Harvesting capacity of 75,000 litres as of March 2022 which helped us to save 2 Lakh litres of water. We intend to instal rainwater harvesting units in more premises.
We are a diverse and equal opportunity employer. We ensure that individuals of all age, religion, race, region, ethnicity, gender, ability and sexual orientation work collectively in an environment that flourishes on originality.
Our Board is highly structured to ensure a high degree of diversity by age, education/qualifications, professional background, sector expertise and special skills. The Directors are persons of eminence, and bring with them experience and skills that add value to the performance of the Board.
Our Board also has significant women representation. Until November 21, 2021, we had three-women directors on the Board, before Ms. Grace Elizabeth Koshie, who was the Chairperson and Non-Executive Director of the Bank retired. As on March 31, 2022, our Board comprised 11 Directors out of which two are women. Apart from MD & CEO and two Executive Directors, all other members of the Board are Independent Directors including one woman Independent Director.
At Federal Bank, addressing social and environmental imbalances has always been an extension of our commitment to go beyond business.
In a world where such concerns are accelerating, we recognise that responsible and sustainable growth is the only acceptable model forward. While many governments and corporates have set ambitious targets to tackle these pressing issues, there is still a long way to go.
As one of the leading digitally-led purpose-driven banks in India, we believe it is our responsibility more than ever to back our customers, stakeholders and the community at large. We have this unique opportunity to scale up our social and environmental efforts to make a pronounced impact as well as become a positive influencer.
We have mapped an ambitious long-term charter to embed environmental, social and governance (ESG) Standards into our core business operations. Capital infusion by International Finance Corporation (IFC) as an equity investor provided us with necessary expertise towards making meaningful impact in right areas. We have crafted an
environmental and social management system (ESMS) policy to guide our actions towards mitigating the negative social and environmental impact arising from our lending activities.
At Federal Bank, we are working to become more