| Margins | NIM improved to 3.33% from 2.94% YoY. |
|---|---|
| Demand visibility | Strong credit demand across Retail and Commercial segments. |
Growth
Net Interest Income grew 26% YoY to ₹2,946 Cr. Net Advances and Deposits both increased 15% YoY.
Outlook
Strong capital position with CRAR at 16.97% supporting growth without near-term capital requirements.
Risks
Sequential decline in CASA ratio by 71 bps and 3% QoQ dip in fee income.
Last quarter's promises, checked
Delivered
- Guided NIM expansion levers → delivered NIM 3.33% vs 3.20% (= BEAT)
- Guided 100 branch expansion → delivered 39 in Q4 (on track) (= BEAT)
- Guided 50-60 bps credit cost → delivered 56 bps (= BEAT)
Partly delivered
- Guided 18-20% Corporate growth → delivered 15% overall advances (= PARTIAL)
Missed
- Target 36% CASA ratio → delivered 32.23% (seq. decline) (= MISS)
Earnings Call filed with NSE, NSE: FEDERALBNK. Summary written with AI assistance from the document.
Federal Bank Ltd: key numbers
- Share price
- ₹322.00
- Market cap
- ₹79,618 Cr
- Revenue (annual)
- ₹29,674 Cr
- Net profit (annual)
- ₹4,345 Cr
- P/E (TTM)
- 17.0×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 27.71%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Federal Bank Ltd
All →Federal Bank Price Movement Clarification
Federal Bank clarified that no material event or undisclosed information exists regarding a news report about a potential deal with Jana SFB.
Federal Bank Credit Rating
India Ratings affirmed Federal Bank's debt instruments at IND AA+/Stable. The rating reflects franchise strengthening, portfolio diversification, and improving asset quality.
Federal Bank Employee Stock Options
Federal Bank allotted 63,253 equity shares following the exercise of employee stock options. This issuance is pursuant to the bank's various employee stock option schemes.
Federal Bank Debt & Borrowing
Federal Bank has established a US$ 500 million Medium Term Note (MTN) programme. The offering circular is available on the NSE IFSC website for investor reference.
Federal Bank Debt & Borrowing: ₹4,800 Cr
Federal Bank's Board approved a USD 500 million (~₹4,800 Cr) MTN Programme. Bonds may be issued in tranches to eligible investors on international exchanges.
- Value
- ₹4,800 Cr
Federal Bank Board Meeting Date
Federal Bank has scheduled a Board Meeting on September 17, 2026, to consider establishing a medium-term note programme for raising funds of USD 500 million.