Federal Bank reports mixed half-year results as net profit declines

Federal Bank reported a consolidated net profit of ₹1,91,026 Lakhs for the half year ended September 30, 2025, compared to ₹2,12,376 Lakhs in the previous year's half-year period. Standalone net profit for the same half-year period was ₹1,81,701 Lakhs, a decrease from ₹2,06,622 Lakhs year-on-year. Total consolidated income reached ₹16,63,679 Lakhs for the half year, up from ₹15,67,894 Lakhs, while standalone total income increased to ₹15,62,394 Lakhs from ₹14,78,729 Lakhs.

For the quarter ended September 30, 2025, consolidated net profit stood at ₹99,194 Lakhs, and standalone net profit was ₹95,526 Lakhs. Basic earnings per share (EPS) for the half-year (standalone) was ₹7.39, with a consolidated EPS of ₹7.77. The Capital Adequacy Ratio (Basel III) remained robust at 15.71% for the standalone entity and for the consolidated group as of September 30, 2025.

The bank's standalone gross NPA percentage for the half-year improved to 1.83% from 2.09%, and net NPA reduced to 0.48% from 0.57% year-on-year. Total consolidated assets as of September 30, 2025, were ₹3,67,56,580 Lakhs, with deposits growing to ₹2,88,86,166 Lakhs.