Federal Bank ke Q2 results aaye hain aur bhai, numbers ekdum solid hain! Bank ne record-breaking **₹1,386 Crore** ka profit book kiya hai, aur bad loans saalon ke lowest level par aa gaye hain.
Q2 mein dhamaka performance
Is baar Federal Bank ne sabko surprise kar diya hai. Bank ka Net Profit 45% jump hokar ₹1,386 Crore tak pahunch gaya hai. Asli khel Net Interest Income (NII) mein hua hai, jo 26% badhkar ₹3,153 Crore rahi.
Bank ne apni net interest margin (NIM) ko 3.32% par expand kiya hai. Sabse bada plus point? Deposit cost 39 basis points tak kam ho gayi hai, matlab bank ab deposit par kam kharch kar raha hai aur loan se kamai jyada kar raha hai.
Asset Quality ka jalwa
Bank ki asset quality pichle 10 saal mein sabse best dikh rahi hai. Gross NPA gir kar 1.32% par aa gaya hai, aur Net NPA toh record low 0.17% hai! Iska matlab hai ki bank ka loan book ab pehle se bahut zyada safe hai.
Operational efficiency mein bhi sudhaar dikha hai, cost-to-income ratio ab 52.08% hai, jo dikhata hai ki management kharche control mein rakhe hue hai.
Future Outlook aur Risk
MD aur CEO KVS Manian ke leadership mein fee income mein 32% ka solid jump aaya hai. Bank ne 12 naye branches bhi add kiye hain.
Lekin, dhyan rakhna—market mein retail deposits ke liye kafi competition chal raha hai. Bank ka deposit base 18.61% bada hai, par aage ka growth isi baat par depend karega ki kya wo is momentum ko maintain kar paate hain.