The Federal Bank Ltd (NSE:FEDERALBNK)
₹ 162.05 1.75 (1.09%) Market Cap: 395.50 Bil Enterprise Value: 463.36 Bil PE Ratio: 9.79 PB Ratio: 1.31 GF Score: 86/100
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Q4 2022 Federal Bank Ltd Earnings Call Transcript

May 06, 2022 / 11:00AM GMT
Release Date Price: ₹91.1 (-3.24%)
Shyam Srinivasan
The Federal Bank Limited - MD, CEO & Director

The third message is that we enter FY '23 well provisioned on books that we feel any kind of stress. We have addressed it robustly and importantly, dealt with the -- having to take the sort of strain of having to provide for pension, we've provided that upfront. So we've up-fronted that as well.

The fourth, I think what is going to distinguish quite materially in FY '23 amongst banks and particularly banks like us is people who have a liability franchise that can withstand and deliver at times like this. All of us know interest rates are going up. There's going to be a war for deposits. There is going to be to support the nascent credit pickup, you need a high-quality liability franchise, and I for long maintained that our liability franchise is amongst the most granular, most retail in the market. And I believe we think we have a good story going and this year will probably show the fact that our liability franchise will hold better than anybody -- many other banks and help us grow mid-teens in credit funded by our own non-bulk

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