The Federal Bank Limited — Q1FY27 earnings call summary

Filed 22 July 2026 · Official transcript

Q1 FY27 net profit INR1,176.93 Cr, +36.57% y-y; EPS INR19.15, +36.06%
Guidance: mid-teens plus loan growth with positive bias; NIM to improve 5-6 bps per quarter
ECL transition impact estimated 1.5-2% of net worth; no material P&L impact expected
NIM improved to 3.33%, +39 bps y-y; cost of funds down 21 bps to 5.25%
GNPA improved to 1.52%, NNPA 0.18%; credit cost down 24 bps y-y; slippages down 38% y-y
CASA ratio up 188 bps to 32.23%; CASA balances INR103,163 Cr, +18.26% y-y
Advances grew ~15% y-y; strong growth in commercial banking (+23%), CV/CE (+21%), retail (+11%)
New Chairman appointed; acquiring Standard Chartered India credit card portfolio