FEDERAL BANK Quarterly Results Analysis Q2FY2027

Interest Earned for Q2FY27 is Rs. 7,721 Crs., 14.52% growth YoY, Net Interest Income is Rs. 3,153 Crs., 26.38% growth YoY, Total Income is Rs. 9,211 Crs., 17.73% growth YoY, Pre-Provisioning Operating Profit is Rs. 2,225 Crs., 35.35% growth YoY, PBT is Rs. 1,883 Crs., 47% growth YoY, Net profit is Rs. 1,386 Crs., 45.1% growth YoY. On QoQ basis Interest Earned has achieved 6.67% growth, Net Interest Income has grown by 7.04%, Total Income has grown by 11.16%, Pre-Provisioning Operating Profit has grown by 17.29%, PBT grown by 19.22%, PAT is grown by 17.77%. For Q2FY27 Gross NPA 1.32% vs 1.83% in Q2FY26, Net NPA 0.17% vs 0.48% in Q2FY26. Return on Assets is 1.32% improved by 23 BPS YoY, Return on Equity is 13.57% also improved by 256 BPS YoY, Net Interest Margin is 3.32% also improved by 26 BPS YoY. Net Advances as on 30th Sep, 2026 is Rs. 2,98,226 Cr., grown by 21.9% YoY. Earnings delivered record highs, supported by liability traction (CASA milestone), calibrated asset growth, strong fee momentum, and cost discipline. Key headwinds/uncertainties acknowledged: • Inflation / rate volatility; management is watchful but sees no portfolio impact yet. • Treasury income volatility (good quarter, but not guaranteed to repeat). • Potential bank assurance rule changes (draft stage).