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The Federal Bank (FEDERALBNK) investor relations material
The Federal Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary2 Aug, 2025
Executive summary
Transformation strategy 'Federal 4.0' advanced CASA, asset mix, and fee income, with robust execution despite macroeconomic headwinds.
Achieved highest ever total business at ₹5.29 lakh Cr, maintaining 6th largest private bank position by business size as of Q1FY26.
Technology upgrades, digital platforms, and AI initiatives enhanced customer and employee experience.
Fee and other income streams reached record highs, with core fee income up 20.21% YoY.
Standalone and consolidated net profit declined year-over-year, impacted by higher provisions, mainly from the MFI segment.
Financial highlights
Net interest income for Q1FY26 was ₹2,337 Cr, up 2% YoY; NIM at 2.94% for the quarter.
Non-interest income reached a record ₹1,113 Cr, up 22% YoY; core fee income grew 20% YoY.
Gross advances grew 9.15% YoY; deposits up 8.03% YoY to ₹2,87,436 Cr; CASA ratio improved to 30.35%.
Net profit for Q1FY26 was ₹862 Cr, down 15% YoY, impacted by higher provisions.
Gross NPA at 1.91%, net NPA at 0.48%; credit cost at 65 bps; capital adequacy at 16.03%.
Outlook and guidance
NIMs expected to bottom out in Q2 and improve in H2, assuming no further rate cuts.
Full-year credit cost guidance maintained at 55 bps; slippages expected to moderate as MFI/Agri stress subsides.
Growth targeted at 1.2x nominal GDP for FY26, with optimism for retail and gold loan segments.
Focus remains on sustainable growth, risk discipline, and digital adoption.
Internal transfer pricing methodology improved for better segment presentation from April 1, 2025.
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Next The Federal Bank earnings date
Q2 202618 Oct, 2025
Next The Federal Bank earnings date
Q2 202618 Oct, 2025
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Frequently asked questions
The Federal Bank Limited is a private-sector commercial bank in India offering banking and financial services to retail, corporate, and institutional clients. The bank’s services include savings accounts, loans, wealth management, and digital banking. It is headquartered in Aluva, Kerala, India, and its shares are listed on the NSE.
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