Federal Bank Limited has made available the audio recording of its earnings call with analysts and investors, conducted on January 16, 2026. The call focused on discussing the bank's unaudited financial results for the quarter ended December 31, 2025.

Regulatory Compliance and Disclosure

The bank has informed both the National Stock Exchange of India Limited and BSE Limited about the availability of the earnings call recording. This disclosure was made pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, ensuring compliance with mandatory disclosure requirements.

Access Information

The earnings call recording has been uploaded to Federal Bank's official website and is accessible through the investor relations section. Stakeholders, including analysts, investors, and other interested parties, can access the complete discussion regarding the bank's Q3FY26 performance.

Corporate Communication

The formal communication to stock exchanges was signed by Samir P Rajdev, Company Secretary of Federal Bank Limited, on January 16, 2026. The notification was issued under reference number SEC/LODR/381/2025-26, maintaining the bank's commitment to transparent corporate governance and timely disclosure practices.

This earnings call recording provides stakeholders with comprehensive insights into Federal Bank's financial performance and management commentary for the third quarter of fiscal year 2026.

Federal Bank delivered a robust third quarter performance, reporting a 9% increase in net profit to ₹1,041.00 crore compared to ₹955.00 crore in the corresponding period last year. The private sector lender's strong results were driven by rising business income and improved operational metrics across key parameters.

Financial Performance Highlights

The bank's financial metrics showed consistent improvement across multiple fronts during the quarter:

The Ernakulam-headquartered lender achieved significant operational improvements with its net interest margin expanding sequentially to 3.18% from 3.06% in the preceding quarter. The bank highlighted that both net interest income and operating profit for the quarter reached all-time highs, demonstrating the strength of its business model.

Asset Quality and Portfolio Growth

Federal Bank continued its trajectory of improving asset quality while maintaining steady business growth:

The bank's loan portfolio showed diversified growth with corporate and institutional banking advancing 9% to ₹94,866.00 crore, while the retail portfolio registered modest 1% growth to ₹69,186.00 crore. On the funding side, deposits grew robustly with the current and savings account deposits share improving by 191 basis points to 32.07%.

Management Outlook and Strategy

Managing Director KVS Manian emphasized the bank's strategic focus on sustainable performance over aggressive expansion. "Our emphasis will remain on consistency and quality of earnings rather than headline growth. We believe this approach positions the bank well to deliver sustainable performance across market cycles," he stated.

Market Response

The strong quarterly earnings announcement during market hours triggered positive investor sentiment, with Federal Bank's share price surging 9.5% to ₹270.35 on BSE. The market reaction reflected investor confidence in the bank's improved operational metrics and consistent performance trajectory.

The comprehensive improvement across profitability, asset quality, and business growth metrics positions Federal Bank favorably as it continues to focus on sustainable earnings quality while maintaining competitive growth rates in the evolving banking sector.