)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
The Federal Bank
The Federal Bank (FEDERALBNK) investor relations material
The Federal Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary16 Oct, 2026
Executive summary
Standalone net profit reached a record ₹1,386 crore, up 45.1% YoY; total business exceeded ₹6 lakh crore and gross advances crossed ₹3 lakh crore.
Consolidated Q2 net profit was ₹149,865 lakh versus ₹99,194 lakh a year earlier; consolidated operating profit rose to ₹247,500 lakh from ₹176,999 lakh.
Average CASA exceeded ₹1 lakh crore, while management reiterated mid-teens loan growth and focus on risk-adjusted returns.
Joint statutory auditors issued unmodified limited-review conclusions on standalone and consolidated results.
Financial highlights
Standalone operating profit was ₹2,225.37 crore, up 35.35% YoY; NII was ₹3,153.4 crore, up 26.38% YoY, and NIM was 3.32%.
Other income reached ₹1,490 crore; fee income was ₹1,167 crore, up 31.86% YoY, with fee income to average assets at an all-time high of 1.11%.
Standalone cost-to-income improved to 52%; consolidated total income was ₹990,341 lakh and PBT was ₹212,200 lakh.
Consolidated Q2 interest earned was ₹838,284 lakh and interest expended was ₹478,339 lakh; total provisions including tax were ₹839 crore.
Outlook and guidance
Loan-growth guidance remains mid-teens, focused on selected segments and risk-adjusted returns.
NIM improvement guidance remains 5–6 bps per quarter on average, not linearly; ROA improvement guidance is 3–4 bps per quarter on average.
CASA guidance is unchanged; priorities include deepening deposits, disciplined growth, and maintaining cost and credit policies.
Management expects deposit competition to intensify as liquidity normalizes; externally benchmarked loans should reprice ahead of maturing deposits after the October rate increase.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from The Federal Bank
- Profit fell sharply as NPAs and spread pressure offset growth; recovery hinged on cheaper deposits and retail lending.FEDERALBNK
Q4 98/99 - Fast balance-sheet growth lifted profit modestly as spreads tightened and NPAs rose.FEDERALBNKQ4 96/97
- Working funds topped Rs. 10,000 crore as profit growth faced spread and provisioning pressure.FEDERALBNKQ4 97/98
- Record FY02 operating profit and lower NPAs, with treasury gains offsetting spread pressure.FEDERALBNKQ4 01/02
- Higher core operating profit and NIM could not offset treasury losses and provisions.FEDERALBNKQ4 04/05
- Profit rebounded to Rs.46.39 crore, but net NPA ratio rose to 8.56%.FEDERALBNKQ4 99/00
- Record profits and balance-sheet growth, tempered by rising NPAs and margin pressure.FEDERALBNKQ4 00/01
- Record profit and deposit growth, alongside a sharp decline in net NPAs.FEDERALBNKQ4 02/03
- Record operating profit and lower NPAs amid rising rate and funding risks.FEDERALBNKQ4 03/04
- Profit surged amid recession, with stronger margins, ample capital and rising NPAs.FEDERALBNKQ4 08/09
Next The Federal Bank earnings date
Q3 26/2715 Jan, 2027
The Federal Bank
Next The Federal Bank earnings date
Q3 26/2715 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.