)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
The Federal Bank
The Federal Bank (FEDERALBNK) investor relations material
The Federal Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary16 Jan, 2026
Executive summary
Q3 delivered record net interest income of ₹2,653 crore, operating profit of ₹1,729 crore, and net profit of ₹1,041.21 crore, up 9% sequentially and year-over-year, reflecting strong growth across core banking and subsidiaries.
Return on assets (ROA) at 1.15% and return on equity (ROE) at 11.68%, with EPS at ₹16.79 annualized.
CASA ratio reached 32.07%, and balance sheet size grew to ₹3.67 lakh crore.
Brand refresh and new branch design launched, with strategic investment approval from Blackstone reinforcing long-term growth and stakeholder confidence.
The group includes two subsidiaries and one associate, with the associate's results included based on management-certified financials.
Financial highlights
Net profit for Q3 was ₹1,041.21 crore, up 9% sequentially; total business reached ₹5,53,364.49 crore, up 3.71% QoQ and 11.4% YoY; deposits at ₹2,97,795.82 crore, up 3.07% QoQ and 11.8% YoY.
Net interest income grew 9% year-over-year and 6% sequentially to ₹2,652.73 crore; fee income up 19% year-over-year to ₹896.47 crore.
Operating profit increased 10% year-over-year to ₹1,729 crore; cost-to-income ratio improved to 53.92%.
Gross advances rose 4.46% QoQ and 10.94% YoY; advances grew 9% YoY to ₹2,65,722 crore.
CASA balances grew 6.59% QoQ and 18.86% YoY, with CASA ratio at 32.07%.
Outlook and guidance
Margins expected to remain stable in the near term, with further improvement possible as liability and asset mix evolves.
Credit cost guidance for FY remains at 50-55 bps, with further improvement expected as MFI credit costs decline.
Loan growth targeted in high teens (~16%) for the next year, focusing on higher-yielding segments and digital transformation.
ROA guidance unchanged from previous strategic plan, with continued execution focus.
Strategic capital infusion from Blackstone to support future growth and financial flexibility.
Impact of unreviewed Pillar 3 disclosures?
Drivers of Q3'25 Net Profit Margin change?
Strategic rationale for Ageas stake increase?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next The Federal Bank earnings date
Q4 25/2629 Apr, 2026
The Federal Bank
Next The Federal Bank earnings date
Q4 25/2629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage