Federal Bank announced Q1FY26 results Total Business: Total Business of the Bank reached Rs 5,28,640.65 crore registering a growth of 8.58 % YoY and also boosting the Bank’s position to 6th largest private sector bank position. croreedit Growth: On the Asset side, Net advances increased from Rs 2,20,806.64 crore as on 30th June 2024 to Rs 2,41,204.34 crore on 30th June 2025, a growth of over 9%. Retail Advances grew by 15.64% to reach Rs 81,046.54 crore. Business Banking advances grew by 6.29% to reach Rs 19,193.95 crore. Commercial Banking advances grew by 30.28 % to Rs 25,028 crore. Corporate Advances registered a growth of 4.47% to reach Rs 83,680.44 crore. The CV/ CE advances grew by 30.31% to reach Rs 4,858 crore. Deposit Growth: Total Deposits increased from Rs 2,66,064.69 crore as on 30th June 2024 to Rs 2,87,436.31 crore as on 30th June 2025, registering a growth of 8.03%. Operating Profit & Net Profit The Bank registered Operating Profit of Rs 1,556.29 crore and Net Profit of Rs 861.75 crore for the quarter ended 30th June 2025. Income & Margins: Net Interest Income grew 1.96 % YoY from Rs 2,291.98 crore to Rs 2,336.83 crore for the quarter ended on 30th June 2025. Total income of the Bank for the quarter grew by 7.64% YoY to reach Rs 7,799.61 crore. Earnings per share (EPS) annualized is Rs 14.07 for the quarter. Net Interest Margin is at 2.94. Net Interest Income is at Rs 2,336.83. Key Ratios: ROA & ROE of the Bank for the quarter stood at 1.00% and 10.30% respectively. Resilient Asset Quality: Gross NPA of the Bank as at the end of Q1 FY26 stood at Rs 4669.66 crore, which as a percentage to Gross Advances stood at 1.91%. The Net NPA and Net NPA as a percentage to Net Advances, as on 30 th June 2025 stood at Rs 1157.64 crore and 0.48% respectively. Provision Coverage Ratio excluding Technical Write Off was 74.41%. Net Worth & Capital Adequacy: Net worth of the Bank increased by 12.19% YoY, from Rs 30300.84 crore to Rs 33994.08 crore, as on 30th June 2025. Capital Adequacy Ratio (CRAR) of the Bank, computed as per Basel III guidelines stood at 16.03% as at the end of the quarter. KVS Manian, Managing Director & CEO, said: "This quarter reaffirmed the strength of our diversified model. Even in a typically soft Q1, we saw momentum in key segments like commercial banking, credit cards, and gold loans. Our mid-yielding engines are firing well too. We delivered a strong operating performance, with improving productivity. Fee income hit a record high, and CASA ratios continued to improve steadily. On asset quality, while credit costs were elevated this quarter, they were largely driven by slippages in the Agri and MFI portfolios. Based on current trends, we expect these slippages to moderate and stabilise going forward, leading to a normalisation in credit costs. With macro tailwinds building and our strategic themes gaining traction, we’re confident of accelerating growth in the second half while staying disciplined on risk and profitability." Result PDF