BSE Bankex Banking Sector Regulatory Filings — October 16, 2026

16-10-2026

Punjab National Bank released its analyst presentation on the unaudited (reviewed) results for Q2 FY27 (quarter ended 30 September 2026). Net profit rose 12.8% YoY to ₹5,532 Cr and operating profit rose 16.7% YoY to ₹7,532 Cr, while ROA stood at 1.05%. Asset quality improved on a YoY basis (GNPA 2.55%, down 90 bps; NNPA 0.25%, down 11 bps), and global business grew 11.9% YoY to ₹31,18,434 Cr. However, the sequential quarter showed softer momentum in some areas: net profit was up only 4.2% from the prior quarter's ₹5,253 Cr level in the trend data, and the domestic CASA share slipped to 36.6% from 37.3% a year earlier, while the investment book and deposit mix shifted.

• · Domestic deposits grew 9.5% YoY and domestic advances grew 12.5% YoY as of 30 Sep 2026
• · Overseas advances surged 62.7% YoY to ₹84,110 Cr, while overseas deposits grew 23.2% YoY
• · Gross NPA amount declined to ₹3,313 Cr from ₹4,674 Cr a year earlier; PCR (excl. TWO) was 96.67%-equivalent range per trend data, with credit cost at 0.08% annualized
• · Quarterly slippages were ₹1,901 Cr in Q2 FY27 versus ₹3,001 Cr in Q2 FY26, with slippage ratio at 0.68% annualized
• · CET1 ratio was 12.52% and total CRAR was 17.74% as of Sept 2026, with total CRAR up YoY from 16.36%
• · Book value per share (tangible) rose to ₹111.94 and tangible ROE eased to 17.32% from 19.91% a year earlier
• · Vehicle loans grew 29.6% YoY while education loans grew only 6.9% YoY and home loans grew 14.3% YoY
• · Current account (current deposits) grew 11.9% YoY, but institutional savings deposits fell 3.8% YoY

16-10-2026

Punjab National Bank reported Q2 FY'27 (quarter ended 30 September 2026) net profit of ₹ 5,532 Crore, up 12.8% YoY from ₹4,904 Crore, with RoA flat at 1.05%. Global Business grew 11.9% YoY to ₹31,18,434 Crore, and asset quality improved sharply with GNPA down 90 bps to 2.55%. However, growth was uneven: Savings Deposits grew only 6.7% YoY, Global Net Interest Margin was 2.58% (up from 2.50% in Q1 FY'27 but still a modest level), total income for HY1 grew just 2.7%, and the Bank's slippage ratio worsened to 0.77% from 0.71%.

• · Net Interest Income for Q2 FY'27 grew 10.8% YoY, while HY1 NII grew a slower 6.4%.
• · Total Income for HY1 FY'27 grew only 2.7% YoY, markedly lagging the 12.8% Q2 net profit growth.
• · Operating Profit growth decelerated to 4.2% in Q2 FY'27 (HY1: 5.2%), lower than Net Profit and Advances growth.
• · Savings Deposits grew just 6.7% YoY versus 14.7% Global Advances growth, widening the funding-cost pressure implied by the CD Ratio rising to 75.5%.
• · Slippage ratio rose to 0.77% from 0.71%, the only asset-quality metric that deteriorated YoY.
• · Rural branches account for 38.0% of the branch network (3,979 branches), the largest share.
• · Digital transactions accounted for approximately 95.7% of total transactions in Q2 FY'27; digital lending sanctions crossed ₹ 22,000 Crore.

16-10-2026

The Federal Bank Limited filed a cover letter with the NSE and BSE stating that the transcript of its earnings call for the consolidated and standalone unaudited financial results for the quarter and half year ended September 30, 2026 has been posted on the Bank's website. The letter itself contains no financial figures or management commentary.

• · Filing reference SEC/LODR/268/2026-27 dated October 16, 2026
• · Transcript relates to unaudited results for quarter and half year ended September 30, 2026
• · Transcript location: www.federal.bank.in/financial-result

16-10-2026

The Federal Bank Limited's Board approved the appointment of Mr. Rajesh Varrier (DIN: 00105765) as an Additional Director (Non-Executive Independent Director) for three consecutive years effective October 16, 2026, on the recommendation of the Nomination, Remuneration, Ethics and Compensation Committee. Shareholder approval is required at the next general meeting or within three months of appointment, whichever is earlier. The filing contains no financial figures, so no performance metrics are reported.

• · Mr. Varrier is currently President, Global Operations and Chairman & Managing Director of Cognizant India, and previously held senior roles at Infosys and as CIO and Digital Officer at Aditya Birla Sun Life Insurance.
• · He is not related to any Director or Key Managerial Personnel of the Bank and is confirmed not debarred from holding directorship by any SEBI order or other authority.
• · As an independent director under Section 149(13) of the Companies Act, 2013, he is not liable to retire by rotation during his tenure.
• · The appointment was made under the Banking Regulation Act, 1949 and RBI (Commercial Banks - Governance) Directions, 2025.
• · The filing notes a name discrepancy: the resolution text spells the surname 'Varrier' while the shareholder-approval clause spells it 'Warrier'.

16-10-2026

The Hon'ble Supreme Court of India on October 15, 2026 upheld the Bombay High Court's January 20, 2023 judgment that set aside the March 2020 write-down of Yes Bank's AT1 Bonds aggregating ₹8,415 crore, and dismissed appeals by the Bank, RBI and Union of India. The Bank is reviewing the judgment and evaluating legal options, while disclosing a pro-forma CET1 ratio impact of approximately 250 bps (Tier 1 unchanged at 14.0%) if AT1 principal is reinstated.

• · Supreme Court ordered that payment of annual AT1 coupon remains unaffected by the outcome and must be made per the Information Memoranda
• · Interim orders, if any, stand vacated and pending proceedings may proceed to logical conclusion uninfluenced by the judgment
• · Parties are left to bear their own costs
• · Bank states it has access to capital-management levers and retains flexibility for additional capital actions

16-10-2026

The Federal Bank Limited reported unaudited standalone and consolidated results for the quarter and half year ended September 30, 2026. Standalone net profit rose to ₹1,38,609 Lakhs in Q2 FY27 from ₹95,526 Lakhs a year earlier (+45.1% YoY) and ₹1,17,693 Lakhs in the prior quarter (+17.8% QoQ), while consolidated net profit of the group increased to ₹1,49,865 Lakhs from ₹99,194 Lakhs (+51.1% YoY). However, gross NPA ratio improved to 1.32% from 1.83% a year ago, but the Capital Adequacy Ratio slipped to 16.84% from 16.97% in the prior quarter (and was 17.25% for FY26 year-end), and total debt to total assets rose to 5.77% from 4.62% QoQ.

• · Basic EPS (standalone) rose to ₹5.61 in Q2 FY27 from ₹3.89 a year earlier; diluted EPS was ₹5.38 versus ₹3.85
• · Consolidated basic EPS was ₹6.07 for Q2 FY27 versus ₹4.04 a year ago
• · Employee costs rose to ₹1,04,912 Lakhs (standalone) from ₹80,344 Lakhs YoY, a notable increase in operating expenses
• · Provisions and contingencies declined to ₹34,219 Lakhs from ₹36,309 Lakhs YoY
• · Net NPA amount fell to ₹49,220 Lakhs from ₹1,16,516 Lakhs a year earlier, while Gross NPA fell to ₹3,98,956 Lakhs from ₹4,53,201 Lakhs
• · Debt-equity ratio was 0.60 versus 0.45 in the prior quarter
• · Return on Assets (annualised) was 0.33% for Q2 FY27 versus 0.27% a year ago
• · Minority interest rose to ₹6,956 Lakhs from ₹3,070 Lakhs YoY

16-10-2026

The Federal Bank Limited reported unaudited standalone and consolidated results for the quarter and half year ended September 30, 2026, with Q2 FY27 standalone net profit of ₹1,34,609 lakh (up from ₹95,526 lakh a year earlier, roughly +41%) and half-year standalone PAT of ₹2,56,302 lakh (up from ₹1,81,707 lakh, roughly +41%), while Q2 standalone total income of ₹9,21,142 lakh and interest earned remained on a growing trajectory. However, gross NPA improved only modestly on a sequential basis and the bank's Net Profit Margin and CRAR (16.84%) declined versus the prior-year quarter, and the bank absorbed a higher employee cost from a change to fair-value accounting for ESOPs (₹3,272.74 lakh standalone, ₹3,956.74 lakh consolidated) which reduced profit after tax by ₹2,449.06 lakh standalone and ₹2,961.06 lakh consolidated.

• · Standalone Net Interest Margin-related interest expended fell sharply in the half year versus the prior period, and gross NPA stood at ₹3,98,956 lakh (1.32%) versus ₹4,53,201 lakh (1.83%) a year earlier, showing an improvement in asset quality.
• · Net NPA rose to ₹49,220 lakh from ₹49,220 in the immediately preceding quarter's comparable base with ratio at 0.11%, versus 0.48% a year earlier.
• · Shares allotted to employees under stock option exercises: 45,39,920 shares in the quarter and 83,96,575 shares in the half year, each of face value ₹2.
• · Consolidated employee cost and ESOP fair-value impact weighed on consolidated profit after tax for the period by ₹2,961.06 lakh.
• · Auditors issued unmodified review conclusions on both standalone and consolidated results, excluding Pillar 3 disclosures placed on the Bank's website.

16-10-2026

The Federal Bank Limited filed its Q2 FY2027 Investor Presentation, based on unaudited results for the quarter and half year ended September 30, 2026, reporting record net profit of ₹1,386 Cr (up 45% YoY from ₹955 Cr) and operating profit of ₹2,225 Cr (up 35% YoY). Business franchise reached over ₹6.4 Lakh Cr (20% YoY) with net customer assets crossing ₹3 lakh crore (20% YoY). However, growth was not uniform: Gold loans grew only 3% QoQ, CV/CE and Commercial segments showed modest sequential expansion, and the cost-to-income ratio, while improved YoY to 52.08% from 54.04%, remained elevated.

• · Average CASA crossed ₹1 Lakh Cr, up 21% YoY, but grew only 4% QoQ
• · Fee income rose 22% QoQ to ₹1,168 Cr
• · Gross NPA fell to ₹3,990 Cr at Sep-26 from ₹4,282 Cr at Jun-26 after ₹498 Cr write-offs
• · Credit cost at 31 bps in Q2 FY27 vs 50 bps YoY
• · Slippage ratio at 59 bps vs 94 bps YoY
• · Retail Book grew 10% QoQ while Gold loans grew only 3% QoQ on a quarterly basis
• · Market share in remittances at 21.67% in Q1 FY27, up from 18.42% in FY24
• · Profit per employee at ₹28.82 lakh; RoRWA at 2.23%
• · Net interest margin at 3.32% vs 3.06% YoY, but Net Advances YoY growth of 22% lagged deposit growth of 16%
• · Yield on net advances declined from 8.99% (Q2 FY26) to 8.70% (Q2 FY27) while cost of deposits fell from 5.61% to 5.21%

16-10-2026

Federal Bank reported a record quarterly net profit of ₹1,386.09 crore for Q2 FY27 (quarter ended 30 September 2026), up 45.10% YoY and 17.77% QoQ. Net interest income grew 26.38% to ₹3,153.40 crore and fee income rose 31.86% to ₹1,167.71 crore, while gross and net NPA reached decadal lows of 1.32% and 0.17%. Growth was not uniform: the restructured book and certain segments showed softer trends, and the Bank's rate-sensitive cost base and margin dynamics remain points to monitor.

• · Slippage ratio improved to 0.59% from 0.94% a year ago.
• · Restructured book reduced to ₹1,389.55 crore, or 0.46% of gross advances.
• · Average CASA crossed ₹1 lakh crore.
• · Cost-to-income ratio improved 196 bps YoY to 52.08%.
• · Business Banking returned to growth at 12.39% YoY, a softer segment relative to the other growth lines.
• · Credit cost declined 19 bps YoY to 0.31%, while the Bank cites 'the rate environment turning' as a factor for the second half.