Financial Services · NSE: FEDERALBNK
The Federal Bank
Q2 FY27 · From the investor presentation
- M.Cap
- ₹89,665Cr
- P/E
- 17.3×
- 1Y return
- +51.71%
- From 52W high
- −2.5%
Highlights are read by AI from the company's filing and can contain mistakes. Check the source page linked to each line.
Share price
Results Q2 FY27, as filed · consolidated · ₹ Cr
| Q2 FY27 | Q2 FY26 | YoY | Q1 FY27 | QoQ | |
|---|---|---|---|---|---|
| Interest earned | 8,383 | 7,216 | +16.2% | 7,862 | +6.6% |
| Net interest income | 3,599 | 2,787 | +29.2% | 3,324 | +8.3% |
| Operating profit | 2,475 | 1,770 | +39.8% | 2,094 | +18.2% |
| Net profit | 1,499 | 992 | +51.1% | 1,256 | +19.3% |
| EPS (₹) | 5.82 | 4.00 | +45.5% | 4.91 | +18.5% |
From the company's own results filing on NSE. Net profit is the owners' share. Growth and the dotted lines are worked out from the filed figures.
In short
- 01Net profit was Rs 1,386 crore in Q2 FY27, up 45% YoY and 18% QoQ.
- 02Net interest income was Rs 3,153 crore, up 26% YoY; fee income was Rs 1,168 crore, up 32% YoY.
- 03Gross NPA fell to 1.32% from 1.83% a year ago; net NPA was 0.17%.
- 04Credit cost was 31 bps in Q2 FY27.
- 05Total deposits grew 7% QoQ; business franchise stands over Rs 6.4 lakh crore, up 20% YoY.
- 06CRAR was 16.84% at September 2026, against 16.97% at June 2026.
- 07Treasury income was Rs 238 crore against Rs 22 crore in Q1 FY27.
Segments
Retail: Retail book up 10% QoQ
Slides · p. 6
Retail: Retail book up 10% QoQ
“✓ Retail Book up by 10% QoQ”
Gold loans: Gold loans up 7% QoQ
Slides · p. 6
Gold loans: Gold loans up 7% QoQ
“✓ Gold loans up by 7% QoQ”
LAP: LAP grew 11% QoQ
Slides · p. 6
LAP: LAP grew 11% QoQ
“✓ LAP grew by 11% QoQ”
Commercial Banking: CoB book grew 26% YoY
Slides · p. 17
Commercial Banking: CoB book grew 26% YoY
“● CoB book grew by 26% YoY”
Corporate and Institutional Banking: CIB book grew 17% YoY
Slides · p. 17
Corporate and Institutional Banking: CIB book grew 17% YoY
“● CIB book grew by 17% YoY”
Margins and costs
Operating expense Rs 2,418 crore, up 15% QoQ and 25% YoY
Slides · p. 32
Operating expense Rs 2,418 crore, up 15% QoQ and 25% YoY
“Operating expense 1,933 2,097 2,418 15% 25%”
Debt and working capital
CRAR 16.84% at September 2026 against 16.97% at June 2026
Slides · p. 22
CRAR 16.84% at September 2026 against 16.97% at June 2026
“CRAR 16.97% 16.84%”
Tier-I capital ratio 15.76% at September 2026 against 15.89% at June 2026
Slides · p. 22
Tier-I capital ratio 15.76% at September 2026 against 15.89% at June 2026
“Tier-I 15.89% 15.76%”
Deposits Rs 3,42,694 crore at September 2026 against Rs 3,20,118 crore at June
Slides · p. 31
Deposits Rs 3,42,694 crore at September 2026 against Rs 3,20,118 crore at June
“Deposits 3,20,118 3,42,694”
Borrowings Rs 24,632 crore at September 2026 against Rs 18,167 crore at June
Slides · p. 31
Borrowings Rs 24,632 crore at September 2026 against Rs 18,167 crore at June
“Borrowings 18,167 24,632”
S&P Global long-term rating BBB- with stable outlook
Slides · p. 42
S&P Global long-term rating BBB- with stable outlook
“‘BBB-’ - Long Term (Stable)”
Fund raising
Share warrants subscription of Rs 1,549 crore on the balance sheet
Slides · p. 31
Share warrants subscription of Rs 1,549 crore on the balance sheet
“Share warrants subscription 1,549 1,549”
Acquisitions and new business
Fedbank Financial Services: Fedbank Financial Services AUM up 36.6% YoY
Slides · p. 38
Fedbank Financial Services: Fedbank Financial Services AUM up 36.6% YoY
“AUM increased by 36.6% YoY”
Fedbank Financial Services: Fedbank Financial Services disbursed Rs 6,676 crore
Slides · p. 38
Fedbank Financial Services: Fedbank Financial Services disbursed Rs 6,676 crore
“₹6,676 Cr disbursed in”
Fedbank Financial Services: Federal Bank holds 60.6% stake in Fedbank Financial Services
Slides · p. 38
Fedbank Financial Services: Federal Bank holds 60.6% stake in Fedbank Financial Services
“❑ 60.6% stake held by Federal Bank Limited”
Fedbank Financial Services: Fedbank Financial Services gross and net NPA at 1.8% and 1.2%
Slides · p. 38
Fedbank Financial Services: Fedbank Financial Services gross and net NPA at 1.8% and 1.2%
“1.8% & 1.2%, respectively.”
Fedbank Financial Services: Fedbank Financial Services capital adequacy at 21.0%
Slides · p. 38
Fedbank Financial Services: Fedbank Financial Services capital adequacy at 21.0%
“Capital Adequacy stands at 21.0%.”
Risks
Bank describes asset quality as broadly resilient and portfolio as well-contained
Slides · p. 10
Bank describes asset quality as broadly resilient and portfolio as well-contained
“Broad resilience in asset quality; portfolio remains well-contained.”
Other
Net profit Rs 1,386 crore in Q2 FY27, up 18% QoQ and 45% YoY
Slides · p. 32
Net profit Rs 1,386 crore in Q2 FY27, up 18% QoQ and 45% YoY
“Net profit 955 1,177 1,386 18% 45%”
Net interest income Rs 3,153 crore, up 7% QoQ and 26% YoY
Slides · p. 32
Net interest income Rs 3,153 crore, up 7% QoQ and 26% YoY
“Net interest income 2,495 2,946 3,153 7% 26%”
Operating profit Rs 2,225 crore, up 17% QoQ and 35% YoY
Slides · p. 32
Operating profit Rs 2,225 crore, up 17% QoQ and 35% YoY
“Operating profit 1,644 1,897 2,225 17% 35%”
Fee income Rs 1,168 crore, up 22% QoQ and 32% YoY
Slides · p. 21
Fee income Rs 1,168 crore, up 22% QoQ and 32% YoY
“Fee income 886 896 991 957 1,168 22% 32%”
Treasury: Treasury income Rs 238 crore in Q2 FY27 against Rs 22 crore in Q1 FY27
Slides · p. 21
Treasury: Treasury income Rs 238 crore in Q2 FY27 against Rs 22 crore in Q1 FY27
“Treasury income 113 126 12 22 238 979% 110%”
Sources
- Investor presentation, Q2 FY27 Filed 16 Oct 2026 · 43 pages
- Earnings call transcript, not read The filing is a cover letter; the transcript is on the company's website
Management's own statements, quoted from its NSE filings. This page was read by AI and can contain mistakes: check the source pages before relying on any figure. No forecast or opinion of ours. Not investment advice.