Quarterly Result16 Jan 2026, 12:51 pm
Federal Bank Reports Record Q3 with All-Time High NII, Operating Profit, and Fee Income; Margins Rise and Asset Quality Strengthens
AI Summary
Federal Bank delivered a robust performance for the quarter ended 31 December 2025 (Q3 FY26), marked by sustained margin expansion, improving profitability, disciplined cost management, and further strengthening of asset quality. The results reflect the Bank’s continued focus on building a stable, margin-led, and resilient franchise. Key highlights include a 9% QoQ increase in net profit, a 6.31% QoQ growth in Net Interest Income (NII), a 12 bps QoQ expansion in Net Interest Margin (NIM), and a decline in GNPA and NNPA to decadal lows.
Key Highlights
- Net profit stood at ¥1,041.21 crore, up 9% QoQ.
- Net Interest Income (NII) grew to $2,652.73 crore, up 6.31% QoQ and 9.11% Yoy.
- Net Interest Margin (NIM) expanded 12 bps QoQ to 3.18%.
- GNPA and NNPA declined to decadal lows, underscoring sustained improvement in asset quality and risk discipline.
- Fee income stood at $896.47 crore, growing 18.57% YoY, strengthening the quality of earnings.