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Federal Bank Q4 FY26: Net profit ₹1.26L crore

April 29, 2026 3 mins read Firehose Gupta

The Federal Bank Limited — Quarter and year ended March 31, 2026 (Standalone and Consolidated)

National Stock Exchange of India Limited BSE Limited
Listing Department, Department of Corporate Services – Listing,
Exchange Plaza, Phiroze Jeejeebhoy Towers,
Bandra-Kurla Complex, Dalal Street, Fort,
Bandra (E), Mumbai – 400 001.
Mumbai – 400 051
Particulars 31.03.2026 Audited (Refer Note 18 below) 31.12.2025 Unaudited 31.03.2025 Audited (Refer Note 18 below) 31.03.2026 Audited 31.03.2025 Audited
1. Interest earned (a)+(b)+(c)+(d) 7,39,909 6,86,750 6,64,836 27,69,538 26,36,525
(a) Interest/discount on advances/bills 5,52,959 5,47,407 5,28,482 21,70,995 21,01,662
(b) Income on investments 1,25,431 1,21,283 1,15,042 4,77,017 4,54,182
(c) Interest on balances with Reserve Bank of India and other inter bank funds 10,308 9,372 11,984 45,833 44,300
(d) Others 51,211 8,688 9,328 75,693 36,381
2. Other income (Refer note 5) 1,14,495 1,10,029 1,00,595 4,44,039 3,80,125
3. TOTAL INCOME (1+2) 8,54,404 7,96,779 7,65,431 32,13,577 30,16,650
4. Interest expended 4,22,648 4,21,477 4,27,092 17,03,797 16,89,726
5. Operating expenses (i)+(ii) 2,04,115 2,02,369 1,91,799 7,89,160 7,16,811
(i) Employees cost 77,570 84,865 78,384 3,22,540 3,08,828
(ii) Other operating expenses 1,26,545 1,17,504 1,13,415 4,66,620 4,07,983
6. TOTAL EXPENDITURE (4+5)
(excluding provisions and contingencies)		 6,26,763 6,23,846 6,18,891 24,92,957 24,06,537
7. OPERATING PROFIT (3-6)
(Profit before provisions and contingencies)		 2,27,641 1,72,933 1,46,540 7,20,620 6,10,113
8. Provisions (other than tax) and contingencies 74,104 33,238 13,811 1,83,667 73,306
9. Exceptional items – – – – –
10. Profit from Ordinary Activities before tax (7-8-9) 1,53,537 1,39,695 1,32,729 5,36,953 5,36,807
11. Tax expense 27,627 35,574 29,706 1,25,221 1,31,618
12. Net Profit from Ordinary Activities after tax (10-11) 1,25,910 1,04,121 1,03,023 4,11,732 4,05,189
13. Extraordinary items (net of tax expense) – – – – –
14. Net Profit for the period (12-13) 1,25,910 1,04,121 1,03,023 4,11,732 4,05,189
15. Paid-up Equity Share Capital
(Face value ₹ 2/- per Equity Share)		 49,286 49,242 49,117 49,286 49,117
16. Reserves excluding Revaluation Reserve – – – 36,65,807 32,92,444
17. Analytical Ratios and Other Disclosures:
(i) Percentage of shares held by Government of India NIL NIL NIL NIL NIL
(ii) Capital Adequacy ratio (%) (Refer note 6)
Under Basel III 17.25 15.20 16.40 17.25 16.40
(iii) Earnings per Share (EPS) (in ₹)
(a) Basic EPS (before and after extraordinary items) 5.11* 4.23* 4.20* 16.74 16.54
(b) Diluted EPS (before and after extraordinary items) 5.05* 4.19* 4.16* 16.56 16.37
(iv) NPA Ratios
a) Gross NPA 4,33,529 4,44,686 4,37,554 4,33,529 4,37,554
b) Net NPA 52,925 1,06,804 1,04,038 52,925 1,04,038
c) % of Gross NPA 1.62 1.72 1.84 1.62 1.84
d) % of Net NPA 0.20 0.42 0.44 0.20 0.44
(v) Return on Assets (%) 0.34* 0.29* 0.31* – –
(vi) Net Worth 38,69,054 35,88,860 33,12,164 38,69,054 33,12,164
(vii) Outstanding Redeemable Preference Shares NIL NIL NIL NIL NIL
(viii) Capital Redemption Reserve NIL NIL NIL NIL NIL
(ix) Debenture Redemption Reserve NIL NIL NIL NIL NIL
(x) Debt – Equity Ratio * 0.55 0.45 0.71 0.55 0.71
(xi) Total Debts to Total Assets # 5.46% 4.45% 6.80% 5.46% 6.80%
(xii) Operating Margin 26.64% 21.70% 19.14% 22.42% 20
Particulars Quarter ended 31.03.2026 Audited (Refer Note 18 below) Quarter ended 31.12.2025 Unaudited Quarter ended 31.03.2025 Audited (Refer Note 18 below) Year ended 31.03.2026 Audited Year ended 31.03.2025 Audited
1) Segment Revenue:
Treasury 1,48,203 1,64,385 1,68,255 6,68,863 6,70,972
Corporate/Wholesale Banking 3,08,281 3,07,410 2,81,804 12,29,992 11,72,425
Retail Banking 8,21,441 8,01,999 7,85,296 31,74,287 30,49,898
– a) Digital Banking 84,865 83,139 82,321 3,36,174 2,92,497
– b) Other Retail Banking 7,36,576 7,18,860 7,02,975 28,38,113 27,57,401
Other Banking operations 13,318 10,649 8,665 43,250 26,854
Unallocated 46,712 3,303 1,866 50,868 2,630
Total Revenue 13,37,955 12,87,746 12,45,886 51,67,260 49,22,779
Less: Inter Segment Revenue 4,83,551 4,90,967 4,80,455 19,53,683 19,06,129
Income from Operations 8,54,404 7,96,779 7,65,431 32,13,577 30,16,650
2) Segment Results (net of provisions):
Treasury 14,231 34,065 24,626 1,15,557 95,246
Corporate/Wholesale Banking 66,092 59,545 68,792 2,38,421 2,29,747
Retail Banking 60,778 33,731 30,080 1,40,941 1,86,358
– a) Digital Banking 2,592 2,243 (1,237) 10,096 (466)
– b) Other Retail Banking 58,186 31,488 31,317 1,30,845 1,86,824
Other Banking operations 11,320 9,051 7,365 36,762 22,826
Unallocated 1,116 3,303 1,866 5,272 2,630
Profit before tax 1,53,537 1,39,695 1,32,729 5,36,953 5,36,807
3) Segment Assets:
Treasury 1,09,60,306 97,88,739 1,01,36,265 1,09,60,306 1,01,36,265
Corporate/Wholesale Banking 1,30,15,453 1,28,05,731 1,16,85,188 1,30,15,453 1,16,85,188
Retail Banking 1,45,29,464 1,37,30,052 1,27,92,131 1,45,29,464 1,27,92,131
– a) Digital Banking 8,22,508 7,88,136 7,45,633 8,22,508 7,45,633
– b) Other Retail Banking 1,37,06,956 1,29,41,916 1,20,46,498 1,37,06,956 1,20,46,498
Other Banking operations 4,984 7,262 3,167 4,984 3,167
Unallocated 2,41,942 3,37,293 2,83,729 2,41,942 2,83,729
Total 3,87,52,149 3,66,69,077 3,49,00,480 3,87,52,149 3,49,00,480
4) Segment Liabilities:
Treasury 36,77,394 30,16,042 37,98,141 36,77,394 37,98,141
Corporate/Wholesale Banking 43,99,349 40,03,435 36,98,393 43,99,349 36,98,393
Retail Banking 2,66,63,793 2,58,56,712 2,39,35,364 2,66,63,793 2,39,35,364
– a) Digital Banking 23,49,518 21,83,288 19,13,636 23,49,518 19,13,636
– b) Other Retail Banking 2,43,14,275 2,36,73,424 2,20,21,728 2,43,14,275 2,20,21,728
Other Banking operations 92 72 25 92 25
Unallocated 1,41,014 1,84,500 1,26,495 1,41,014 1,26,495
Total 3,48,81,642 3,30,60,761 3,15,58,418 3,48,81,642 3,15,58,418
5) Capital Employed 3,87,52,149 3,66,69,077 3,49,00,480 3,87,52,149 3,49,00,480
6) Total (4 + 5)
Sl No Item Description Number of accounts Total outstanding (₹ in lakhs)*
1 Projects under implementation accounts at the beginning of the quarter.* 118 2,68,171.68
2 Projects under implementation accounts sanctioned during the quarter. 13 41,226.34
3 Projects under implementation accounts where DCCO has been achieved during the quarter.@ 27 42

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