Q1-FY26 · Q4 FY25
Loan growth to improve from 12%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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FEDERALBNK / Q4-FY26 / promises
Measure what management said.
Federal Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY26 · Q4 FY25
Cost-to-income ratio around 53%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
Credit growth of 18%-20% for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
Full-year NIM around 3.30%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
Credit cost of ~40bps for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Credit cost guidance of 30-35 bps for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
NIM to sustain near Q1 levels
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
NIM to bottom out in Q2 with 5-10 bps further decline
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
Cost-to-income ratio to remain in mid-50% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
NIM to improve to 3.25% for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
Credit cost guidance of 25-30 bps for H2 FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
Cost-to-income ratio to improve to 50% by Q1 FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Loan growth guidance maintained at ~18%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Infrastructure bond issuance of INR 1,500 crore
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
Full-year credit cost guidance maintained at 55 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
NIM expected to improve further
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY24 · Q3 FY24
Loan growth guidance of 18% maintained
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
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Q4-FY25 · Q3 FY25
Full-year credit cost guidance maintained at 40-45 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
NIM to sustain around current levels in Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
Full-year credit cost guidance of 55-60 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
Blackstone fund infusion expected in Q4 FY26
The current-quarter record did not contain enough evidence of delivery; the item remains delayed for follow-up.
delayed
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