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The Federal Bank (FEDERALBNK) investor relations material
The Federal Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary18 Oct, 2025
Executive summary
Structural improvements in income and balance sheet, with highest ever net interest and fee income in Q2 FY26 and strong operating fundamentals despite macro challenges.
CASA ratio improved by over 120 bps YoY and over 100 bps QoQ, reaching 31.01%, with strong current account and NRI franchise growth.
Remittance market share increased to 21%, and digital innovations such as FedOne and interoperable banking platforms are driving higher engagement.
Deliberate rationalization of wholesale and financial sector deposits to improve deposit quality, with CASA and retail term deposits growing over 11% YoY.
Board approved unaudited consolidated and standalone financial results for the quarter and half year ended September 30, 2025, with unmodified auditor reports.
Financial highlights
NIM improved to 3.06% from 2.94% QoQ, driven by a 19 bps reduction in deposit cost and CASA growth.
Net interest income grew 7% QoQ and 5% YoY to ₹2,495 Cr; fee income rose 13% QoQ and YoY to ₹886 Cr.
Standalone net profit for Q2 FY26: ₹95,526 lakhs, up from ₹86,175 lakhs in Q1 FY26; consolidated net profit: ₹99,194 lakhs.
Operating profit increased 6% QoQ and 5% YoY to ₹1,644 Cr; net profit up 11% QoQ to ₹955 Cr.
LCR for the quarter is 129%; CET1/CRAR at 15.71%.
Outlook and guidance
NIMs expected to improve further, supported by deposit repricing and CASA initiatives, barring significant rate cuts.
Focus remains on profitable growth, digital transformation, and maintaining asset quality.
Full-year credit cost guidance maintained at 55 bps, with efforts to come below that if MFI stress continues to ease.
Continued investment in digital channels and partnerships to drive efficiency and customer acquisition.
Impact of unreviewed Basel III Pillar 3 data?
COVID-19 resolution plan: What's the status?
Explain financing cash flow shift.
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Next The Federal Bank earnings date
Q3 25/2627 Jan, 2026
Next The Federal Bank earnings date
Q3 25/2627 Jan, 2026
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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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