Federal Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

7,238.31

7,399.09

6,867.50

6,742.16

6,686.63

6,648.36

6,808.73

Income On Investments

1,339.17

1,254.31

1,212.83

1,168.41

1,134.62

1,150.42

1,147.42

Interest On Balances With Rbi Other Inter Bank Funds

88.37

103.08

93.72

110.90

150.63

119.84

112.55

Interest / Discount On Advances / Bills

5,756.41

5,529.59

5,474.07

5,383.40

5,322.89

5,284.82

5,463.70

Others

54.36

512.11

86.88

79.45

78.49

93.28

85.06

Other Income

1,048.38

1,144.95

1,100.29

1,082.17

1,112.98

1,005.95

916.17

Total Income

8,286.69

8,544.04

7,967.79

7,824.33

7,799.61

7,654.31

7,724.90

Interest Expended

4,292.42

4,226.48

4,214.77

4,246.92

4,349.80

4,270.92

4,377.39

Net Interest Income

2,945.89

3,172.61

2,652.73

2,495.24

2,336.83

2,377.44

2,431.34

Total Expenditure (Excl Depreciation)

2,096.94

2,041.15

2,023.69

1,933.24

1,893.52

1,917.99

1,778.05

Employee Cost

921.69

775.70

848.65

803.44

797.61

783.84

785.15

Other Operating Expenses

1,175.25

1,265.45

1,175.04

1,129.80

1,095.91

1,134.15

992.90

Operating Profit Before Provisions and Contingencies

1,897.33

2,276.41

1,729.33

1,644.17

1,556.29

1,465.40

1,569.46

Exceptional Items

0.00

Provisions and contingencies

317.71

741.04

332.38

363.09

400.16

138.11

292.33

Profit Before Tax

1,579.62

1,535.37

1,396.95

1,281.08

1,156.13

1,327.29

1,277.13

Tax

402.69

276.27

355.74

325.82

294.38

297.06

321.69

Profit After Tax

1,176.93

1,259.10

1,041.21

955.26

861.75

1,030.23

955.44

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,176.93

1,259.10

1,041.21

955.26

861.75

1,030.23

955.44

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

4.77

5.11

4.23

3.88

3.51

4.2

3.89

Diluted Earnings per share

4.6

5.05

4.19

3.85

3.47

4.16

3.85

Operating Profit Margin (Excl OI)

66.64%

62.4%

65.69%

65.94%

65.7%

69.07%

69.59%

Gross Profit Margin

21.82%

20.75%

20.34%

19.0%

17.29%

19.96%

18.76%

PAT Margin

16.26%

17.02%

15.16%

14.17%

12.89%

15.5%

14.03%

Net Interest Margin

3.33%

3.74%

3.18%

3.06%

2.94%

3.12%

3.11%

Return on Assets

0.3%

0.34%

0.29%

0.27%

0.25%

0.31%

0.29%

CASA (%)

32.23%

32.94%

32.07%

31.01%

30.35%

30.23%

30.16%

CASA Amount

1,03,163.00

1,03,390.00

95,498.00

89,591.00

87,236.00

85,757.00

80,345.00

Capital Adequacy Ratio (Total)

16.97%

17.25%

15.2%

15.71%

16.03%

16.4%

15.16%

Capital Adequacy Ratio (Tier 1)

15.89%

15.93%

13.88%

14.37%

14.69%

15.04%

13.78%

Provision Coverage Ratio (%)

87.37%

87.07%

75.14%

73.45%

74.41%

75.37%

74.21%

Amount of Gross NPAs

4,282.34

4,335.29

4,446.86

4,532.01

4,669.66

4,375.54

4,553.31

Amount of Net NPAs

506.05

529.25

1,068.04

1,165.16

1,157.64

1,040.38

1,131.17

% of Net NPAs

0.18%

0.2%

0.42%

0.48%

0.44%

0.49%

% of Gross NPAs

1.52%

1.62%

1.72%

1.83%

1.91%

1.84%

1.95%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2135.0

2112.0

2094.0

2082.0

2094.0

2080.0

2054.0

Number of Branches

1650.0

1640.0

1601.0

1595.0

1591.0

1589.0

1550.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Jun 2026 is 8.25% vs 5.62% in Jun 2025

Net Profit

YoY Growth in quarter ended Jun 2026 is 36.57% vs -14.64% in Jun 2025

Operating Profit (PBDIT)

YoY Growth in quarter ended Jun 2026 is 21.91% vs 3.69% in Jun 2025

% of Net NPAs

YoY Growth in quarter ended Jun 2026 is -0.30% vs -0.12% in Jun 2025

% of Gross NPAs

YoY Growth in quarter ended Jun 2026 is -0.39% vs -0.20% in Jun 2025

Compare Quarterly Results Of Federal Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

7,238.31

7,541.44

-303.13

-4.02%

Income On Investments

1,339.17

2,022.77

-683.60

-33.8%

Interest On Balances With Rbi Other Inter Bank Funds

88.37

256.82

-168.45

-65.59%

Interest / Discount On Advances / Bills

5,756.41

5,231.35

525.06

10.04%

Others

54.36

30.50

23.86

78.23%

Other Income

1,048.38

1,031.58

16.80

1.63%

Total Income

8,286.69

8,573.02

-286.33

-3.34%

Interest Expended

4,292.42

4,055.28

237.14

5.85%

Net Interest Income

2,945.89

3,486.16

-540.27

-15.5%

Total Expenditure (Excl Depreciation)

2,096.94

2,349.93

-252.99

-10.77%

Employee Cost

921.69

1,118.95

-197.26

-17.63%

Other Operating Expenses

1,175.25

1,230.98

-55.73

-4.53%

Operating Profit Before Provisions and Contingencies

1,897.33

2,167.81

-270.48

-12.48%

Exceptional Items

0.00

Provisions and contingencies

317.71

-636.87

954.58

149.89%

Profit Before Tax

1,579.62

2,804.68

-1,225.06

-43.68%

Tax

402.69

689.50

-286.81

-41.6%

Profit After Tax

1,176.93

2,115.18

-938.25

-44.36%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,176.93

2,115.18

-938.25

-44.36%

Face Value

2.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.77

1.97

2.80

142.13%

Diluted Earnings per share

4.60

1.97

2.63

133.5%

Operating Profit Margin (Excl OI)

66.64%

77.28%

0.00

-10.64%

Gross Profit Margin

21.82%

37.19%

0.00

-15.37%

PAT Margin

16.26%

28.05%

0.00

-11.79%

Net Interest Margin

3.33%

3.61%

-0.28

-0.28%

Return on Assets

0.30%

0.00%

0.30

0.30%

CASA (%)

32.23%

43.64%

-11.41

-11.41%

CASA Amount

1,03,163.00

0.00

1,03,163.00

Capital Adequacy Ratio (Total)

16.97%

26.92%

-9.95

-9.95%

Capital Adequacy Ratio (Tier 1)

15.89%

26.38%

-10.49

-10.49%

Provision Coverage Ratio (%)

87.37%

99.31%

-11.94

-11.94%

Amount of Gross NPAs

4,282.34

6,089.65

-1,807.31

-29.68%

Amount of Net NPAs

506.05

425.50

80.55

18.93%

% of Net NPAs

0.18%

0.16%

0.02

0.02%

% of Gross NPAs

1.52%

2.30%

-0.78

-0.78%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,135.00

0.00

2,135.00

Number of Branches

1,650.00

0.00

1,650.00

Quarterly - Interest Earned

Interest Earned 7238.31 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -2.17% vs 7.74% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 8.25% vs 5.62% in Jun 2025

Quarterly - Net Profit

Net Profit 1,176.93 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -6.53% vs 20.93% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 36.57% vs -14.64% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,897.33 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -16.65% vs 31.64% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 21.91% vs 3.69% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.18%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.02% vs -0.22% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.30% vs -0.12% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.52%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.10% vs -0.10% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.39% vs -0.20% in Jun 2025