FEDERALBNK

What The Federal Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q4 FY26

what the last two calls moved 10 tracked 3 delivered 1 missed 6 open

Net Interest Margin (NIM) delivered said Q2 FY26 Promised: upward / continuously look at improving Q4 FY26: NIM expanded further to 3.20%. Management is confident to build on this expansion, achieving the directional goal for the period.
Credit Cost missed said Q2 FY26 Promised: around 55 bps for full year FY26 Q4 FY26: Full year FY26 credit cost was 56 bps, missing both the original (55 bps) and the improved (52-53 bps) guidance.
Loan Growth at risk said Q3 FY25 Promised: 1.5 times the system growth Q4 FY26: FY26 Gross Advances grew 13% YoY. Management acknowledged this was below system but was a conscious strategic choice for portfolio health.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 10 tracked commitments for The Federal Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens