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Federal Bank Results: Latest Quarterly Results & Analysis

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Federal Bank Ltd. 20 Oct 2025 13:19 PM
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Q2FY26 Quarterly Result Announced for Federal Bank Ltd.

Federal Bank announced Q2FY26 results

Q2FY26 Financial Highlights:

  • Record NII at Rs 2,495 crore, reflecting stable margins.
  • Highest-ever fee income at Rs 886 crore, underscoring continued momentum in non-interest revenue streams.
  • CASA ratio improved to 31%, up 94 bps YoY; CASA deposits grew 10.7% YoY to Rs 89,591 crore.
  • Operating profit stood at Rs 1,644.2 crore, up 5.7% QoQ.
  • Net profit rose 10.9% QoQ to Rs 955.3 crore, driven by robust operating income and efficient cost management.
  • ROA at 1.1% and ROE at 11%, maintaining healthy profitability metrics.
  • Net Interest Margin improved 12 bps QoQ to 3.1%.
  • Total deposits increased 7.4% YoY, while net advances grew 6.2% YoY, reflecting balanced franchise growth.
  • Asset quality remained among the best in the decade with GNPA at 1.8% and NNPA at 0.5%.
  • CRAR stood strong at 15.7%, ensuring a comfortable capital position.
  • Provision Coverage Ratio remained robust at 73.5%.
  • Total Business of the Bank reached Rs 533,576.6 crore registering a growth of 6.8% YoY.
  • On the Asset side, Net advances increased from Rs 2,30,312 crore as on September 30, 2024 to Rs 2,44,657 on September 30, 2025, a growth of over 6.2% YoY.
  • The Bank registered Operating Profit of Rs 1,644.2 crore and Net Profit of Rs 955.3 crore for the quarter ended September 30, 2025.

KVS Manian, Managing Director & CEO said: “Having spent over a year in this role, I have a deep sense of conviction about where the Bank stands today and the direction we’re headed. Over the past few quarters, we’ve undertaken several strategic reorientations to strengthen our foundation and build for the future — and the results are beginning to show.

Our CASA franchise continues to demonstrate sustained and meaningful growth, reflecting the trust of our customers and the consistency of our team’s execution. We’re also broadening our asset mix thoughtfully, increasing the share of our mid-yield portfolio in a measured and disciplined way. At the same time, our fee income has seen strong, double-digit sequential growth, underscoring the breadth and resilience of our earnings.

Our asset quality remains solid, supported by prudent risk management and a balanced approach to growth. As we look ahead, we’re shaping an organisation that’s agile in its thinking, disciplined in its actions, and firmly anchored in the stability and values that define Federal Bank."

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Federal Bank announced Q1FY26 results

  • Total Business: Total Business of the Bank reached Rs 5,28,640.65 crore registering a growth of 8.58 % YoY and also boosting the Bank’s position to 6th largest private sector bank position.
  • croreedit Growth: On the Asset side, Net advances increased from Rs 2,20,806.64 crore as on 30th June 2024 to Rs 2,41,204.34 crore on 30th June 2025, a growth of over 9%. Retail Advances grew by 15.64% to reach Rs 81,046.54 crore. Business Banking advances grew by 6.29% to reach Rs 19,193.95 crore. Commercial Banking advances grew by 30.28 % to Rs 25,028 crore. Corporate Advances registered a growth of 4.47% to reach Rs 83,680.44 crore. The CV/ CE advances grew by 30.31% to reach Rs 4,858 crore.
  • Deposit Growth: Total Deposits increased from Rs 2,66,064.69 crore as on 30th June 2024 to Rs 2,87,436.31 crore as on 30th June 2025, registering a growth of 8.03%.
  • Operating Profit & Net Profit The Bank registered Operating Profit of Rs 1,556.29 crore and Net Profit of Rs 861.75 crore for the quarter ended 30th June 2025.
  • Income & Margins: Net Interest Income grew 1.96 % YoY from Rs 2,291.98 crore to Rs 2,336.83 crore for the quarter ended on 30th June 2025. Total income of the Bank for the quarter grew by 7.64% YoY to reach Rs 7,799.61 crore. Earnings per share (EPS) annualized is Rs 14.07 for the quarter. Net Interest Margin is at 2.94. Net Interest Income is at Rs 2,336.83.
  • Key Ratios: ROA & ROE of the Bank for the quarter stood at 1.00% and 10.30% respectively.
  • Resilient Asset Quality: Gross NPA of the Bank as at the end of Q1 FY26 stood at Rs 4669.66 crore, which as a percentage to Gross Advances stood at 1.91%. The Net NPA and Net NPA as a percentage to Net Advances, as on 30 th June 2025 stood at Rs 1157.64 crore and 0.48% respectively. Provision Coverage Ratio excluding Technical Write Off was 74.41%.
  • Net Worth & Capital Adequacy: Net worth of the Bank increased by 12.19% YoY, from Rs 30300.84 crore to Rs 33994.08 crore, as on 30th June 2025. Capital Adequacy Ratio (CRAR) of the Bank, computed as per Basel III guidelines stood at 16.03% as at the end of the quarter.

KVS Manian, Managing Director & CEO, said: "This quarter reaffirmed the strength of our diversified model. Even in a typically soft Q1, we saw momentum in key segments like commercial banking, credit cards, and gold loans. Our mid-yielding engines are firing well too. We delivered a strong operating performance, with improving productivity. Fee income hit a record high, and CASA ratios continued to improve steadily. On asset quality, while credit costs were elevated this quarter, they were largely driven by slippages in the Agri and MFI portfolios. Based on current trends, we expect these slippages to moderate and stabilise going forward, leading to a normalisation in credit costs. With macro tailwinds building and our strategic themes gaining traction, we’re confident of accelerating growth in the second half while staying disciplined on risk and profitability."

Result PDF

Federal Bank announced Q4FY25 & FY25 results

Financial Highlights:

  • Total Business of the Bank reached Rs. 5,18,483.86 crore.
  • Annual Net Profit at Rs 4051.89 crore and net profit for the quarter at Rs 1030.23 crore, increases by 13.67% YoY.
  • Highest Ever Other Income backed by strong Fee Income momentum, NII up by 14.16% to Rs.9467.99 crore.
  • Decadal Best Asset Quality with GNPA and NNPA at 1.84 % and 0.44 % respectively.
  • CRAR stood at 16.40%.
  • Provision Coverage Ratio stood at 75.37%.
  • ROA for Q4 stood at 1.24 % and ROE at 12.82 %.
  • Total Deposits increased by 12.32 %.
  • Total Net Advances increased by 12.15 %.

KVS Manian, Managing Director & CEO, Federal Bank, said: “As we have consistently articulated, our focus remains on profitable growth - driven by sustainable, high-quality earnings aligned with long term value creation. This quarter’s performance is a strong validation of that approach. It has also been a transformative year for the Bank, with several strategic initiatives beginning to deliver tangible outcomes. Notably, our focused efforts in mid-yield segments and current accounts have shown significant traction, with current account balances growing 35% YoY (27% QoQ) and a 19% growth in mid-yield segments.

Despite the prevailing rate cut environment, we have effectively navigated NIM pressures through strategic asset pricing, robust CASA growth, and the best asset quality seen in over a decade. At the same time, we have launched several high-impact initiatives within the franchise to further strengthen efficiency and future growth prospects.

Crossing the twin milestones of Rs 5 Lakh crore in total business and Rs 4000 crore in annual net profit marks a defining moment in our journey. With a clear strategy, disciplined execution, and a committed team, we remain confident in our ability to sustain momentum and continue delivering long term value to all stakeholders.”

Result PDF

Federal Bank announced Q3FY25 results

  • Operating Profit: Highest ever at Rs 1,569.46 crore.
  • Net Interest Income: At an all-time high of Rs 2,431.34 crore, reflecting a 14.50% YoY growth.
  • Fee Income: Witnessed a strong 21% YoY growth.
  • Gross Non-Performing Assets: Reduced to 1.95%.
  • Net Non-Performing Assets: Declined to 0.49%.
  • Provision Coverage Ratio: Strengthened to 74.21%.
  • Total Deposits: Increased by 11% YoY, reflecting strong customer trust and engagement.
  • Total Net Advances: Achieved a growth of 16% YoY, driven by focused lending strategies.
  • Average CASA: Grew by 11% YoY, underlining the strength of the Bank’s core business engine.
  • NRE Deposits: Registered a solid 10% YoY growth, showcasing the Bank’s popularity among non-resident customers.
  • Credit Cards: Expanded by 24% YoY, reflecting enhanced customer adoption.
  • Commercial Vehicle/Construction Equipment (CV/CE) and Micro Advances: Delivered robust growth of 39% and 50% YoY, respectively.

KVS Manian, MD & CEO, Fedderal bank, said: “This quarter has been pivotal for us as we strategically reoriented both the asset and liability sides of our balance sheet, addressing fundamental aspects to position the Bank strongly for the future. We have chosen to focus on granular retail deposit growth instead of high value, expensive deposits. We have also consciously avoided low yielding or high-risk assets for the sake of growth. Notwithstanding this disciplined approach, we have achieved a year-on-year growth of 15% in advances and 11% in deposits, positioning us competitively within the sector. We achieved this with minimal disruption. Our asset quality has reached its strongest levels in a decade. In alignment with our commitment to building a robust foundation, we have undertaken accelerated provisioning for certain riskier asset classes this quarter. We remain steadfast in our focus on building a high-quality franchise that delivers value to all stakeholders whether through superior customer service and relationships, an enhanced employee proposition, or consistent and sustainable earnings quality. As we look ahead, we are optimistic about future opportunities and confident in our ability to create enduring value for all our stakeholders.”

Result PDF

Federal Bank announced Q2FY25 results

  • Total Business of the Bank reached Rs 4,99,418.83 crore
  • Net Profit highest ever at Rs 1,056.69 crore, grew 10.79%
  • Operating Profit highest ever at Rs 1,565.36 crore
  • ROA for Q2 stood at 1.28 % and ROE stood at 13.65%
  • GNPA and NNPA brought down to 2.09% and 0.57% respectively
  • Total Deposits increased by 15.56%
  • Total Net Advances increased by 19.45%
  • Net Interest Income at Rs 2,367.23 crore, grew by 15.11%

KVS Manian, MD & CEO of Federal Bank, stated, "Q2 has been robust for the Bank, driven by strong momentum across diverse operational verticals. This is clearly reflected in our consecutive surpassing of the Rs 1,000 crore net profit milestone for two quarters in a row. Our deposits, now upgraded to AAA by CRISIL, signify a sturdy core of the franchise. Business momentum across verticals has been strong and inclusive, and asset quality improvements have been notable. We are committed to sustaining and building on this strong momentum to achieve continued success for the Bank.”

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Federal Bank announced Q1FY25 results:

  • Total Business of the Bank reached Rs 4,86,871.33 crore
  • Net Profit highest ever @ Rs1,009.53 crore, grew 18.25 %
  • Operating Profit highest ever @ Rs 1,500.91 crore
  • ROA for Q1 stood at 1.27 % and ROE stood at 13.64 %
  • GNPA and NNPA brought down to 2.11% and 0.60 % respectively.
  • Total Deposits increased by 19.58 %
  • Total Net Advances increased by 20.34 %
  • Net Interest Income at Rs 2,291.98 crore, grew by 19.46 %

Shyam Srinivasan, Managing Director and CEO of the Bank said, “I am encouraged that we have had a resoundingly strong start to FY 25 and delivered our highest ever quarterly profits. With an Industry leading growth in both deposits and assets we are gaining share consistently. Our overall focus of dialing up our physical and digital presence is helping us reach a larger footprint across India. It’s been a quarter where we recorded many firsts, however most noteworthy was the fact that our pioneering technology initiatives have been awarded by very reputed stakeholders. We believe the good start; stable credit quality and sustainable retail deposit traction should help us move further towards our aspiration of being the Most Admired Bank.”

Result PDF

Federal Bank announced Q4FY24 & FY24 results:

Financial Highlights:

  • Total Business of the bank reached Rs 4,61,937.36 crore.
  • Highest Ever NII, up by 14.97% to Rs 2,195.11 crore.
  • Net Profit at Rs 906.30 crore.
  • Operating Profit at Rs 1,110.35 crore
  • ROA for Q4 stood at 1.22% and ROE stood at 12.75%.
  • GNPA and NNPA at 2.13% and 0.60% respectively.
  • Total Deposits increased by 18.35 %.
  • Net advances increased from Rs 1,74,446.89 crore as on 31st March 2023 to Rs 2,09,403.34 crore on 31st March 2024.
  • Retail Advances grew by 20.07% to reach Rs 67,435.34 crore. Business Banking advances grew by 21.13 % to reach Rs 17,072.58 crore
  • Net worth of the Bank increased by 35.81%, from Rs 21,419.49 crore to Rs 29,089.41 crore, as on 31st March 2024.
  • Capital Adequacy Ratio (CRAR) of the Bank, computed as per Basel III guidelines stood at 16.13% as at the end of the quarter.
  • The Board of directors at its meeting held today has recommended a dividend of 60% per equity share having face value of Rs 2 for the year ended 31st March 2024.

Shyam Srinivasan, Managing Director & CEO of the Bank said, “FY24 was yet another strong year which saw us set new benchmarks in our journey towards building the Most Admired Bank. With a 10% increase in our footprint, our branches now dot the map, across the length and breadth of India. The physical distribution is buttressed with significant investments in Technology and Digital capabilities, helping us serve clients in over 15,000 pin codes. We look forward to the year ahead with confidence and are focused on delivering many bespoke customer propositions that establishes the presence of "Brand Federal” as the First Choice for our valued customers "

Result PDF

Federal Bank announced Q3FY24 results:

Financial Highlights

  • Total Business: Reached Rs 4,38,776.39 crore, representing an 18.72% growth.
  • Net Profit: Recorded its highest ever at Rs 1,006.74 crore, a 25.28% increase from the previous year.
  • Operating Profit: Stood at Rs 1,437.33 crore, a YoY increase of 12.80%.
  • Net Interest Income: Highest ever at Rs 2,123.36 crore, up by 8.53%. 

Deposits and Advances

  • Total Deposits: Grew by 18.96%, rising from Rs 2,01,408.12 crore to Rs 2,39,591.16 crore.
  • Net Advances: Increased by 18.44%, from Rs 1,68,173.13 crore to Rs 1,99,185.23 crore.

Segment Advances

  • Retail Advances: Up by 20.39%, totaling Rs 65,041.08 crore.
  • Business Banking Advances: Increased by 17.80%, reaching Rs 16,679.75 crore.
  • Commercial Banking: Grew by 25.99% to Rs 20,773.55 crore.
  • Corporate Advances: Saw a 14.38% increase, amounting to Rs 71,978.41 crore.
  • CV/CE Advances: Surged by 66.06%, reaching Rs 3,057.00 crore.

Asset Quality

  • Gross NPA: Stood at 2.29%, equating to Rs 4,628.79 crore.
  • Net NPA: Was at 0.64%, translating to Rs 1,284.37 crore.
  • Provision Coverage Ratio: Excluding technical write-offs, recorded at 71.08%.

Capital and Ratios

  • Net Worth: Increased to Rs 28,084.72 crore.
  • Capital Adequacy Ratio (CAR): Basel III compliant CAR at 15.02%.

Other Indicators:

  • Earnings Per Share (EPS): Annualized at Rs 16.54.
  • Return on Assets (ROA): For Q3 was at 1.39%.
  • Return on Equity (ROE): For Q3 stood at 14.80%.

Shyam Srinivasan, Managing Director & CEO of Federal Bank, expressed his views on this remarkable achievement, “I am pleased that our team's dedicated effort has helped us register an all-time high net profit of 1007 crore, a significant milestone in the journey of any organization which is dedicated to both growth and excellence.

With an increase of over 100 branches in the past calendar year and a similar number planned for this year, our growth trajectory is well poised to sustain this positive momentum.

As we grow and diversify across products, segments, and geography, we are further inspired to deliver on our purpose for existence, which is to be the Most Admired Bank in India.”

 

 

Result PDF

Federal Bank announced Q2FY24 results:

Financial Performance:
- The Federal Bank reported its highest-ever quarterly net profit of Rs 953.82 crore, showing a growth rate of 35.54% compared to the previous year.
- Net Interest Income (NII) reached a record high of Rs 2,056.42 crore, reflecting a growth of 16.72%.
- Operating Profit for the quarter stood at Rs 1,324.45 crore, the highest ever recorded by the bank.
- Return on Assets (ROA) for Q2FY24 was 1.36%, while Return on Equity (ROE) stood at 15.72%.
-The total Business of the bank reached Rs 4,25,685.12 crore, representing a growth of 21.49%.
- Provision Coverage Ratio, excluding Technical Write Off, was at 71.03%.

Asset Quality:
- Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA) reduced to 2.26% and 0.64%, respectively.
- Gross NPA of the bank stood at Rs 4,436.05 crore, accounting for 2.26% of the Gross Advances.
- Net NPA was Rs 1,229.81 crore, representing 0.64% of Net Advances.

Deposit and Advance Growth:
- Total Deposits increased by 23.12% from Rs 1,89,145.71 crore to Rs 2,32,868.43 crore.
- Net Advances grew by 19.58% from Rs 1,61,240.32 crore to Rs 1,92,816.69 crore.
- Retail Advances grew by 18.05% to reach Rs 62,009.00 crore.
- Business Banking Advances grew by 18.16% to reach Rs 15,997.14 crore.
- Commercial Banking grew by 23.82% to Rs 19,729.00 crore.
- Corporate Advances registered a growth of 14.91% to reach Rs 68,058.63 crore.
- CV/CE Advances grew by 66.50% to reach Rs 2,734.00 crore.

Commenting on the results, Shyam Srinivasan, MD & CEO of Federal Bank, said, "The Q2 results are a sigma of many of our initiatives coming together well and has helped us deliver our highest ever profits. Some of the marquee investments we raised in Q2 are a true testimony to our governance, social and environmental commitment standards. We are pleased to deliver on our commitments made to them and do stay determined to make continued progress on all our chosen areas in pursuit of our vision of being the Most Admired Bank."

 

 

Result PDF

Federal Bank announced Q1FY24 results:

  • Total Business of the Bank reached 4,05,982.91 crore
  • Net Profit grew by 42.13% YoY at 853.74 crore
  • Operating profit grew by 33.80% YoY at Rs 1,302.35 crore
  • ROA stood at 1.30 and ROE at 15.73
  • GNPA and NNPA brought down to 2.38% & 0.69% respectively
  • Total Deposits increased by 21.35%
  • Total Advances grew by 20.86%

Commenting on the results and financial performance, Shyam Srinivasan, Managing Director & CEO, Federal Bank said, “We have had a strong start to FY24, despite Q1 traditionally being a seasonally soft quarter, by having broad-based growth across all our businesses. I am pleased that our total business crossed the 4 L crore mark aided by 21% growth in both our deposits and advances. This has resulted in a net profit of Rs 854 crore which represents a 42% YoY growth. The continued improvements in our return ratios are encouraging and we are cautiously optimistic of continued traction as we set our sights on becoming the most admired bank.”

 

 

Result PDF

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