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Digital at the Fore, Human at the core.

At Federal Bank, we have achieved consistent growth and recognition since our inception. With a legacy of over nine decades, we have evolved into an institution of national prominence, characterised by our strong values and principles. Our principal ambition is to become one of the most admired banking institutions in the country. We strive to achieve this by embracing a powerful proposition that places ‘Digital at the Fore, Human at the Core’.

Our constant pursuit of redefining human experience in the digital age has led to various digital innovations poised to transform the banking paradigm of tomorrow. We are committed to scaling up this mantra and serve an increasing number of customers in a meaningful and impactful manner. Our continuous focus on people, both within and outside the organisation, has earned us the recognition as a ‘Great Place to Work’. Our ultimate aspiration is to become the FIRST CHOICE for all Indians. With robust dedication, we are fully committed to driving this journey forward and achieving our goal.

With a forward-looking approach, we have evolved and founded our performance on a solid digital infrastructure established over the past decade. Commensurate with our expertise, we lead the digital-banking space owing to our cutting-edge digital & technological capabilities. Our strategic leap in launching digital products and marketing initiatives has enabled us to capitalise more effectively on new market realities, leading to 90% share of digital transactions. Furthermore, our strategy involves putting in place a robust risk architecture that will allow us to grow our high margin credit portfolio duly balancing risk & ensuring our liabilities remain organic and granular to conserve capital. Making tough decisions have been necessary to realise our ambition of becoming the Most Admired Bank. And we remain steadfast in our commitment to accelerating our progress towards achieving that goal.

At Federal Bank, we are committed to using digital innovation to transform the banking industry. In line with our people-first approach, we are also deeply committed to reaching India’s underbanked and underserved populations. Through strategic FinTech partnerships and our purpose of ‘inclusive finance’, we aim to extend our services to those who have limited access to traditional banking. Additionally, the Bank is co-creating digital enablers for small businesses to make them more sustainable and efficient. We remain committed to democratising financial services using hybrid digital instruments for small businesses to deliver tangible results. As a responsible corporate entity, Federal Bank places a strong emphasis on addressing pressing issues such as environmental sustainability and economic inequality.

Our
Vision

To be the ‘Most Admired Bank’ which is digitally enabled with a sharp focus on Micro, Medium and Middle market enterprises.

Our scrips are widely held and are listed on the BSE and National Stock Exchange of India. Our global depository receipts are listed on the London Stock Exchange. With panIndia branches and ATMs/cash recyclers and a committed, experienced & energetic workforce, we now have a presence across the nation. To service the NRIs, who have been our pillars of strength, we operate Representative Offices in Dubai and Abu Dhabi in the UAE. We handle 19.3% (as of March 31, 2023) of the total NR remittance to the country, which is testimony to our relationship with the NR diaspora. Our Bank also has an IFSC Banking Unit (IBU) in Gujarat International Finance Tec-City (GIFT City).

At Federal Bank, we have firmly established our empire on the foundation of ethics and excellence, which have been the guiding principles throughout our journey. In addition, we integrate a people-centric approach into everything we do. We believe in placing our customers, employees, and stakeholders at the forefront of our operations, ensuring that their needs and well-being are prioritised.

Our
Mission

Devote balanced attention to the interests and expectations of stakeholders, and in particular:

Customers

Meet and even exceed expectations of target customers by delivering appropriate products and services, employing as far as feasible, single window and 24-hourseven-day-week concepts, leveraging a strengthened branch infrastructure, ATMs, other alternative distribution channels, cross-selling a range of products and services to meet customer needs varying over time, and ensuring the highest standards of service at all time, guided by our principle of being ‘Digital at the fore, human at the core’.

Shareholders

To achieve consistent growth in shareholder value.

Employees

Develop in every employee a high degree of pride and loyalty in serving the Bank.

Core
Values

Commitment To Excellence

Agility

Relationship Orientation

Ethics

Sustainability

Our Credit Ratings

Crisil A1+

Fixed Deposit (Short-term)

Crisil A1+

Certificate of Deposit

IND AA CARE AA

Tier-2 (Capital) Bonds

Fixed Deposits and Certificates of Deposits enjoy highest rating in that class.