The Federal Bank Ltd — Q4 FY26
Federal Bank delivered a record Q4 FY26 with net profit of ₹1,145 crore (up ~10% QoQ), driven by strong NII growth of 14.2% YoY and record fee income of ₹991 crore (+24% YoY).
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
NIM to sustain around current levels in Q4
Management expects NIM to remain near 3.18% in Q4 FY26, as the full impact of the December rate cut will be offset by liability mix and asset repricing actions.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Full-year credit cost guidance of 55-60 bps
Credit cost for FY26 is expected to be in the range of 55-60 bps, with Q4 likely lower than Q3's 47 bps.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Blackstone fund infusion expected in Q4 FY26
The first tranche of strategic investment from Blackstone is expected to close in Q4 FY26, pending final regulatory approvals.
Delayed
The current-quarter record did not contain enough evidence of delivery; the item remains delayed for follow-up.
heuristic_v1