Federal Bank's Q2 FY 2025-26 Quarterly Results

Result Summary

• Federal Bank Ltd reported a 0.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 3.8%.
• Its expenses for the quarter were down by 0.9% QoQ and up 3.2% YoY.
• The net profit increased 7.6% QoQ and decreased 8.3% YoY.
• The earnings per share (EPS) of Federal Bank Ltd stood at 4 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Federal Bank Ltd is a prominent player in the Indian banking industry, primarily engaged in providing a wide range of banking and financial services to its customers. The bank offers services such as retail banking, corporate banking, and treasury operations. Federal Bank is known for its extensive network of branches and ATMs across India, catering to both individual and corporate clients. As of the latest available data, there are no specific major developments mentioned for the company. Any recent changes or strategic initiatives by the bank are not provided in the current dataset.

Revenue

In Q2FY26, Federal Bank Ltd reported a total income of ₹8321.46 crores, representing a slight quarter-over-quarter increase of 0.1% from ₹8315.33 crores in Q1FY26. Year-over-year, the total income grew by 3.8% from ₹8015.29 crores in Q2FY25. This growth in revenue highlights the bank's ability to maintain a steady income stream despite fluctuating economic conditions. The consistent year-over-year growth suggests that Federal Bank has been able to enhance its income over the past year.

Profitability

Federal Bank's Profit Before Tax (PBT) for Q2FY26 was ₹1372.55 crores, marking an 8.1% increase from ₹1269.83 crores in Q1FY26, yet a 6.8% decrease compared to ₹1473.05 crores in Q2FY25. The Profit After Tax (PAT) stood at ₹1022.64 crores for Q2FY26, which is 7.6% higher than the previous quarter's ₹950.59 crores but 8.3% less than the ₹1114.80 crores recorded in Q2FY25. Earnings Per Share (EPS) reflected these trends, recorded at ₹4.00 in Q2FY26, up 8.1% from ₹3.70 in Q1FY26, while down 9.7% from ₹4.43 in Q2FY25. The observed changes in profitability metrics are indicative of the bank's performance dynamics over the analyzed periods.

Operating Metrics

The total expenses for Federal Bank in Q2FY26 amounted to ₹6551.47 crores, showing a decrease of 0.9% from ₹6608.29 crores in Q1FY26, and an increase of 3.2% from ₹6346.10 crores in Q2FY25. Provisions and contingencies were reported at ₹397.44 crores in Q2FY26, reflecting a substantial decrease of 9.1% from ₹437.21 crores in Q1FY26, but a significant increase of 102.6% from ₹196.14 crores in Q2FY25. These figures indicate fluctuations in the bank's operating expenses and provisions, which are critical for maintaining financial stability and risk management. The tax expense for Q2FY26 was ₹353.12 crores, marking a 9.3% increase from the previous quarter and a 4.2% decrease from the same quarter last year.