Slides
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Investor Information Q2 FY2027
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2 IMPORTANT: This presentation has been prepared by The Federal Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. Except for the historical information contained herein, statements in this release which contain/may contain words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”, “future”, “objective”, “goal”, “strategy”, “philosophy”, “project”, “should”, “will pursue” and similar expressions or variations of such expressions may constitute "forward-looking statements". These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. The Federal Bank Limited undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Disclaimer
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Table of contents 3 Pages 01 Key highlights 02 Business parameters 03 Distribution strategy and digital journey 04 Appendix
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4 ROA 1.32 % 1.09 % ROE 13.57 % 11.01 % EPS ₹ 22.26 ₹ 15.42 BVPS ₹ 166.32 ₹ 141.58 NIM 3.32 % 3.06 % Cost to Income 52.08 % 54.04% Credit Cost 31 bps 50 bps Slippage Ratio 59 bps 94 bps Balance Sheet ₹ 4.27 Lakh Cr ₹ 3.56 Lakh Cr CRAR 16.84 % 15.71% PCR (excl TWO) 86.78 % 73.45 % Fee Income ₹ 1168 Cr ₹886 Cr KEY HIGHLIGHTS FOR Q2FY27 Business Franchise now stands over ₹6.4 Lakh Crore - a 20% YoY growth. Average CASA crosses ₹1 Lakh Crore - a 21% YoY growth. Customer Assets crosses ₹3 lakh crore – a 20% YoY growth Decadal Best Record Core Earnings on a Strengthening Balance Sheet YoY comparison Highest Ever Net Profit 1,386 Cr Other Income 1,490 Cr Gross NPA 1.32% Net NPA 0.17% Fee to Asset 1.11%
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2,14,242 2,40,411 2,48,546 Q2 FY26 Q1 FY27 Q2 FY27 5 Deposit mobilization continues Advances growth diversified ADVANCES Net Advances: DEPOSITS Retail Deposits1: (₹ in cr) ✓ CASA grew by 6% QoQ ✓ Avg CASA grew by 4% QoQ ✓ Resident SB book grew by 5% on a QoQ basis ✓ Total SB grew by 4% on a QoQ basis. ✓ Total Deposits grew by 7% on a QoQ basis. RETURN METRICS Profitability: Sustained Improvement in Profitability RoE* (%) RoA* (%)(₹ in cr) *Annualized 1As per LCR. Latest figures provisional. 2Corporate and Institutional Banking 3Commercial Banking 4Commercial Vehicle/ Construction Equipment finance #Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS. YoY growth: 16% QoQ growth: 3% ✓ Retail Book# up by 10% QoQ ✓ Gold loans up by 7% QoQ ✓ CV/CE4 # up by 4% QoQ ✓ BuB grew by 7% QoQ ✓ CIB2 # grew by 5% QoQ ✓ CoB3 # grew by 7% QoQ ✓ LAP grew by 11% QoQ ✓ RoRWA at 2.23% ✓ Profit per employee at ₹ 28.82 lakh ✓ Business per employee at ₹ 34 Cr. 2,44,657 2,77,498 2,98,226 Q2 FY26 Q1 FY27 Q2 FY27 (Excl one off) (Excl one off) YoY growth: 22% QoQ growth: 7% 1.09 1.15 1.36 1.22 1.32 1.24 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 11.01 11.68 13.69 12.01 13.57 12.47 Robust Balance Sheet Growth
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Net Interest Income Fee Income & Non-Fee Income Operating Profit Net Profit 6 2,717 2,495 2,653 3,173 2,946 3,153 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 886 896 991 957 1,168 197 204 154 91 323 1,082 1,100 1,145 1,048 1,490 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Fee Income Non-Fee Income 1,145 955 1,041 1,259 1,177 1,386 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 1,820 1,644 1,729 2,276 1,897 2,225 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Best Ever Key P&L Parameters (₹ in cr) (Excl one off) (Excl one off) (Excl one off)
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7 RoA (%)* 1.24 1.09 1.15 1.36 1.22 1.32 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 RoE (%)* 12.47 11.01 11.68 13.69 12.01 13.57 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Net Interest Margin (%)* 3.20 3.06 3.18 3.74 3.33 3.32 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cost to Income Ratio (%) 54.04 53.92 47.28 52.50 52.08 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 *Annualized Cost of Deposits, Cost of Funds, Yield on Net Advances (%) 5.57 5.48 5.43 5.21 5.18 5.61 5.50 5.46 5.25 5.21 8.99 8.85 8.77 8.73 8.70 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CoD* CoF* YoA* CRAR (%) Key Ratios (Excl one off) (Excl one off) (Excl one off) 15.71 15.2 17.25 16.97 16.84 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27
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8 NNPA (%)GNPA (%) PCR (%)1 Risk Adjusted NIM (%)* 1.83 1.72 1.62 1.52 1.32 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 0.48 0.42 0.20 0.18 0.17 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 73.45 75.14 87.07 87.37 86.78 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 2.69 2.83 2.85 3.02 3.09 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Credit Cost (%)* 0.50 0.47 1.18 0.41 0.31 0.47 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 *Annualised 1Excluding TWO #Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures includes Credit Substitutes and excludes IBPC/ BRDS. Slippage Rate (%)* 1.48 1.22 1.25 1.06 1.07 0.26 0.04 0.12 0.07 0.03 0.94 0.70 0.74 0.61 0.59 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail# Wholesale# Bank# Stable Credit Metrics (Excl one off)
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1,027 947 506 492 Q1 FY27 Q2 FY27 Gross NPA as on 30.06.2026 4,282 Add: Fresh Slippage 420 Add: Increase in Balances in Existing NPAs 6 Deduct: Recoveries/ Upgrades/ Reduction in existing NPA/ Sale to ARC 220 Deduct: Written Off 498 Gross NPA as on 30.09.2026 3,990 Provision Coverage Ratio at 86.78% Movement of NPA Broad resilience in asset quality; portfolio remains well-contained. Provisions in Q2 Credit Cost at 31 bps for Q2 FY27 Recovery & Upgradation of ₹ 220 Cr in Q2 Loan Loss 218 Investment Loss 13 Standard Accounts 107 Other Purposes 4 Total Provisions 342 9 2,027 1,427 1,083 1,255 1,040 529 Q4 FY24 Q4 FY25 Q4 FY26 (₹ in cr) Asset Quality Trends Std Restructured Ac Net NPA (₹ in cr)(₹ in cr)
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Operating Profit 1,644 -> 2,225 35% 10 Performance Net Interest Income 26% 2,495 -> 3,153 Fee Income 32% 886 -> 1,168 Net Profit 45% 955 -> 1,386 Deposits CASA 23% 89,591 -> 109,803 CASA Ratio 103 bps 31.01 -> 32.04 NRE Deposits 27% 86,055 -> 109,162 Ratios Gross NPA % 51 bps 1.83 -> 1.32 Net NPA % 31 bps 0.48 -> 0.17 PCR %# 1333 bps 73.45 -> 86.78 Cost Income Ratio 54.04 -> 52.08 196 bps #Excluding TWO *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS. Net Customer Assets Retail* 18% 67,600 -> 79,714 Gold* 37% 32,264 -> 44,242 BuB* 12% 19,058 -> 21,419 CVCE* 22% 4,995 -> 6,081 COB* 25 % 26,129 -> 32,780 CIB* 17 % 89,312 -> 104,666 7% Micro Advances* 3,661 -> 3,908 3% Agri & Allied* 7,840 -> 8,065 21% Average CASA 84,063 -> 1,01,791 Total Deposits 19% 288,920 -> 342,694 Comparison: Y-o-Y (₹ in cr) 20% Customer Assets 250,857 -> 300,875
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6% Operating Profit 1,897 -> 2,225 17% 11 Performance Net Interest Income 7% 2,946 -> 3,153 Fee Income 22% 957 -> 1,168 Net Profit 18% 1,177 -> 1,386 Deposits CASA 103,163 -> 109,803 CASA Ratio 19 bps 32.23 -> 32.04 NRE Deposits 14% 95,710 -> 109,162 Ratios Gross NPA % 20 bps 1.52 -> 1.32 Net NPA % 1 bps 0.18 -> 0.17 PCR %# 59 bps 87.37 -> 86.78 Cost Income Ratio 52.50 -> 52.08 42 bps #Excluding TWO *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS. Net Customer Assets Retail* 15% 69,098 -> 79,714 Gold* 7% 41,476 -> 44,242 BuB* 7% 19,929 -> 21,419 CVCE* 4% 5,826 -> 6,081 4% Micro Advances* 3,756 -> 3,908 1% Agri & Allied* 7,981 -> 8,065 4% Average CASA 98,249 -> 1,01,791 Total Deposits 7% 320,118 -> 342,694 Comparison: Q-o-Q (₹ in cr) COB* 7% 30,638 -> 32,780 CIB* 5% 99,761 -> 104,666 8% Customer Assets 278,466 -> 300,875
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2,88,920 2,97,796 3,13,909 3,20,118 3,42,694 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CASA + Deposits < 3Cr Other 86% 82% 81% 84% 81% 18.67 18.42 20.34 21.67 FY24 FY25 FY26 Q1 FY27 19,233 21,268 25,337 22,309 25,703 70,358 74,230 78,053 80,854 84,100 89,591 95,498 1,03,390 1,03,163 1,09,803 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CA SA 31.01 32.07 32.94 32.23 32.04 CA, SA & CASA End Period and CASA ratio (₹ in cr) 12 Deposits : Period End (₹ in cr) NR Deposits (₹ in cr)* YoY growth: 20% YoY growth: 34% 86,055 87,402 93,660 95,710 1,09,162 94,021 95,872 1,02,620 1,05,123 1,19,056 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 NRE Deposits NR Deposits 1 Market share calculated based on (i) Federal Bank’s remittances data, and (ii) Preliminary data from RBI report on balance of payment (Statement II: Standard Presentation of India's Balance of Payments) *NRE deposits includes NRE depoits and FCNR. NRE deposits is a subset of NR deposits. YoY growth: 19% Remittance Market share (%)1 YoY growth: 27% CASA Ratio (%)XX Liability Trends Includes FCNR deposit of ₹14,922 crs mobilized during special window.
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89,312 95,188 95,655 99,761 1,04,666 26,129 27,422 29,114 30,638 32,780 1,35,417 1,39,762 1,44,029 1,48,066 1,63,429 2,50,857 2,62,372 2,68,798 2,78,466 3,00,875 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail Book* Commercial* Corporate* 8.99 8.73 8.70 Q2 FY26 Q1 FY27 Q2 FY27 26% 15% 7% 3% 2% 1% 11% 35% Retail* Gold* BuB* Agri* CV/CE* Micro Adv* Commercial* Corporate* 13 Net Customer Assets mix (Sep-26) Net Customer Assets (₹ in cr) YoY growth: 17% YoY growth: 25% 54% 11% 35% Retail Book* Commercial* Corporate* *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures includes Credit Substitutes and excludes IBPC/ BRDS. Yield on Advances (%) YoY growth: 21% Credit Portfolio Distribution
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MCLR - Overnight 0% MCLR - 1M 5% MCLR - 3M 11% MCLR - 6M 24%MCLR - 1Y 60% 14 (Retail, Gold & SME)* as % of Loan Book (₹ in cr) *Retail includes Housing, LAP, Auto, PL, CC & Other Retail. SME includes BuB & CoB #Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS. MCLR Split Loan Book by Interest Rate Type(%) EBM 45% Fixed 33% MCLR 8% Others 14% Advances Portfolio 59.8% 59.3% 60.1% 60.0% 61.2% 56.0% 57.0% 58.0% 59.0% 60.0% 61.0% 62.0% 63.0% 64.0% 65.0% 0.00 50,000.00 1,00,000.00 1,50,000.00 2,00,000.00 2,50,000.00 3,00,000.00 3,50,000.00 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail Gold CV/CE BuB CoB Customer Assets (Retail + SME)/Customer Assets
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35,693 35,564 35,694 35,292 35,233 7,110 7,430 8,021 8,462 9,400 8,497 8,539 8,696 8,759 8,777 3,453 3,467 3,591 3,745 3,962 3,743 4,005 4,098 4,501 4,801 9,104 8,901 8,481 8,339 17,541 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Housing LAP Auto Personal Credit Card Other# 67,600 67,907 68,581 69,098 79,714 32,264 35,168 38,347 41,476 44,242 19,058 19,743 19,636 19,929 21,419 7,840 7,955 7,916 7,981 8,065 4,995 5,287 5,737 5,826 6,081 3,661 3,702 3,813 3,756 3,908 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail* Gold* BuB* Agri* CV/CE* Micro Adv* ● LAP grew at 11% QoQ ● CV/CE grew at 4% QoQ ● Micro advances grew by 4% QoQ ● BuB grew by 7% QoQ ● Gold loans grew at 7% QoQ ● Credit Cards grew at 7% QoQ 15 Retail Book (₹ in cr) #Other includes Staff loans, Retail Assignments, Education loans, AAD/AAS etc *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS. Retail Book Mix (Sep-26) Retail* 49% Gold* 27% BuB* 13% Agri* 5% CV/CE* 4% Micro Adv* 2% Retail Advances Mix (₹ in cr) Retail Banking Includes loans of ₹9,438 crs against FCNR deposits
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26,129 27,422 29,114 30,638 32,780 89,312 95,188 95,655 99,761 1,04,666 1,15,441 1,22,610 1,24,769 1,30,399 1,37,446 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Commercial* Corporate* 16 Portfolio Mix incl Cr Substitutes (Sep-26) Non-Retail Book (₹ in cr) *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS.. Wholesale Banking Self-Funding level 23% 77% 24% 76% Commercial* Corporate* YoY growth: 25% YoY growth: 17% ● CIB book grew by 17% YoY ● CoB book grew by 26% YoY Commercial/ Corporate Banking Q1 FY26 Q2 FY27 35% 34% 38% 36% 37% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27
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17 High Yielding CC | PL Medium Yielding Core Agri | CoB Auto | Gold | LAP | BuB | CV/CE Low Yielding Housing CIB IBU Very High Yielding Micro Advances *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures includes Credit Substitutes and excludes IBPC/ BRDS. . Asset Book – Trend Analysis 7% 22% 23% 17% V High High Medium Low 50.8%44.9% 3.0% 1.3% 51.7%43.8% 2.9% 1.5% Net Advances Share 44.6% 47.6% 4.3% 3.4% 45.5% 46.4% 4.6% 3.5% Sep-25 Sep-26 Int Income Share Sep-25 Sep-26 Yield wise Net Advances Growth (YoY)
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Yield 10.4% 32,264 41,476 44,242 Q2 FY26 Q1 FY27 Q2 FY27 3,661 3,756 3,908 Q2 FY26 Q1 FY27 Q2 FY27 18 CV / CE 22% 4% YoY QoQ ✓ Tie-up with all major OEMs Portfolio (₹ in cr) Disbursements: 850 ₹cr (Q2 FY27) Avg. ticket size: ₹ 28L PSL: 84% 4,995 5,826 6,081 Q2 FY26 Q1 FY27 Q2 FY27 Micro Advances 7% 4% YoY QoQ *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise net advance figures includes Credit Substitutes and excludes IBPC/ BRDS.. No of customers: Network: 27 BC partners 1073 BC outlets Reach: 23 states 2 UT 10.73L+ 99%+ women Cards Issued - Qtr: 3.67 Lakhs Credit Cards Tonnage 53.59 37% 7% YoY QoQ Gold Loans Portfolio (₹ in cr) Portfolio (₹ in cr) Portfolio (₹ in cr) 28% 7% YoY QoQ 3,743 4,501 4,801 Q2 FY26 Q1 FY27 Q2 FY27 Select High/Medium Yielding Lending Products LTV 61%
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4% 15% 17% 29% 35% 4% 14% 16% 28% 38% 1) FBR1 2) FBR2/FBR3 3) FBR4 4) FBR5/FBR6 5) OTHERS 71% 7% 1% 21% 76% 9% 1% 14% A & Above BBB <BBB OTHERS External rating of CIB advances Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security). Rating Q1 FY27 Q2 FY27 FBR1 6% 3% FBR2/FBR3 24% 16% FBR4 8% 7% Below FBR4 & unrated1 62% 74% 19 Q1 FY27 Q2 FY27 Rating Distribution (Advances excluding CIB)Rating Distribution (CIB) Q1 FY27 Q2 FY27 Internal rating of advances excluding CIB Rating Distribution
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20 Diversified and Granular Fee Income ₹ in Cr Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 QoQ YoY Commissions & Exchanges 98 94 100 103 104 1% 6% Insurance distribution income 108 94 123 100 146 46% 35% Processing fees & Other charges from loans 190 212 226 188 246 31% 29% Other service charges 408 460 475 494 568 15% 39% Forex and Derivatives (Client) 82 36 67 72 104 45% 26% Fee income 886 896 991 957 1,168 22% 32% Treasury income 113 126 12 22 238 979% 110% Other non fee income 83 78 142 69 84 23% 1% Total other income 1,082 1,100 1,145 1,048 1,490 42% 38% Broad-Based Fee Momentum
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21 ₹ in Cr Jun-26 Sep-26 Risk weighted assets Credit risk 2,13,848 2,22,612 Market risk 3,478 3,802 Operational risk 24,308 24,308 Total RWA 2,41,635 2,50,722 Tier-I capital funds 38,402 39,503 Tier-II capital funds 2,612 2,713 Total capital funds 41,015 42,216 CRAR 16.97% 16.84% Tier-I 15.89% 15.76% Tier-II 1.08% 1.08% Capital Position
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19% 19% 48% 14% 20% 19% 47% 14% Metro Urban Semi-urban Rural 74 625 279 137 43 6 18 30 11 40 37 40 16 30 4 17 10 3 6 2 3 4 2 33 5 40 2 141 1 1 Jun-26 Sep-26 22 2 *Including Cash Recyclers #Including Extension counters Continuous Investment in expanding Pan India Footprint Sep - 26Sep - 25 Banking Outlets# ATMs/Recyclers* 1,595 2,082 2,145 1,662 1.92 1.92 1.87 Q2 FY26 Q1 FY27 Q2 FY27 Customers (No in Cr): Distribution: Deriving Efficiency from Footprint
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Deposit Partners Instant Digital Loans Credit Cards EMIs and Merchant Payments Support Systems Support Systems Gold Loan and Priority Lending Cross Border Remittance Partners 23 Innovation through Partnerships
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Live on 5 channels 30+ services 24 95% of retail and corporate transactions serviced digitally 92% of corporate transactions serviced digitally FedMobile - Retail +9% Active users +19% Transactions +23% Transaction value FedCorp - Business +79% Active users 2.2× Transactions +89% Transaction value 97%+ of personal loans disbursed end-to-end digitally 100% of credit cards issued through digital journeys1 +22% QoQ growth in queries resolved 92% Of eligible queries handled by Feddy. 1100% credit cards issued through digital journeys. 2Notional cost of the contact centre would have incurred for these queries Digital Adoption & Flagship Platforms Card servicing on WhatsApp End-to-end statements, bill pay, upgrades, limits and rewards. Re-KYC on WhatsApp Periodic KYC via Aadhaar OTP or debit card for eligible customers. Feddy inside FedMobile In-app answers with live-agent. Federal Bank's AI-powered virtual assistant FEDDY +22.5% QoQ growth in contact- centre cost avoided2
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25 Digitization as a MultiplierProduct Delivery – Q2 FY27 Digital Launches Expand Reach and Deepen Engagement ACQUISITION & ENGAGEMENT Digital account opening at scale Savings and current accounts opened fully digitally via Novus with eKYC and eSign. One Journey, More Banking Deposits, credit cards, QR/Soundbox and bill-pay mandates offered inside the account-opening journey. WhatsApp banking extended Feddy now handles credit-card servicing and Re- KYC/profile updates remotely for eligible customers. Broader self-service Certificate downloads, Smart Deposit closure, locker and special-deposit views, and a simpler mutual- fund journey via FedMobile PAYMENTS, REMITTANCES & e₹ UPI Tap & Pay and UPI Help 2.0 Contactless UPI payments, plus self-service complaint handling, transaction re-initiation and payment controls. FASTag portability Customers can move their FASTag to Federal Bank without replacing the tag, with Autopay set up at issuance. Multicurrency outward remittances Via FX Retail on BBPS, launched at GFF 2026: EUR, GBP, CHF, AED and CAD on FedMobile and FedNet, alongside USD. Expanding Digital Rupee access Aadhaar-based wallet onboarding for non-customers and programmable e₹ payments across participating banks.
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26 Digitization as a MultiplierMajor Initiatives UPI & Merchant Payments Connected Ecosystems, Stronger Deposits #1 UPI beneficiary success rate among peer banks* +12% UPI value, YoY +5% UPI volume, YoY Merchant Ecosystem Soundbox YoY +51% devices +51% linked-account balances POS YoY +22% devices +43% CareerBook YoY +20% institutions +90% linked-account balances Balances growing up to 2× faster than the merchant base. linked-account balances *As per NPCI Monthly Performance Report, August 2026 All growth YoY. Merchant: Sep-26 vs Sep-25. UPI: Q2 FY27 vs Q2 FY26. AMB: average monthly balance.
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27 Introduced Advance Digital Trade Finance Platform Fed DigiTrade is designed to digitize the end-to-end trade finance journey, enabling customers to seamlessly initiate, track, and manage their trade finance transactions through a secure self-service platform. Complex Authorization Matrix Supports complex authorization work-flow as per Company BR Reports & MIS Download transaction reports in PDF, Excel or CSV formats. Bulk Upload Facility For shipping bills & remittances SWIFT & Advice Access Download SWIFT copy and Debit Advices from portal Import/Export Digital facility Completely digital process for regularization of outstanding Bills Trade Calendar Allows customers to track currency holidays & plan transactions accordingly Form A2 & FEMA declarations Declarations are generated automatically Fed DigiTrade– Trade Finance Solution Fed DigiTrade
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Rank 5 in debit card spends 28 Digital Personal Loans (ETB) Card spends (₹ in Cr)2 2Monthly cards spends including Fintech partnerships *Card O/S and Spend data among Pvt Sec Banks. Rank calculated on Spends of Pvt Sec Banks. 1,30,664 1,34,051 1,36,204 1,41,764 1,51,736 3,614 3,739 3,814 4,009 4,410 3,000 3,200 3,400 3,600 3,800 4,000 4,200 4,400 4,600 4,800 50,000 70,000 90,000 1,10,000 1,30,000 1,50,000 1,70,000 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 No. of Loans Balance (₹ in Cr) 6.62% Debit Cards – Market share Cards O/s: Spends: 5.07% Credit Cards – Market share Cards O/s: Spends: 3.13% 1.90% Rank 9 in credit card spends 1,106 1,171 1,182 1,084 1,263 1,341 1,708 1,968 2,404 2,676 2,619 2,872 1,500 2,000 2,500 3,000 3,500 4,000 0 200 400 600 800 1000 1200 1400 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Aug-26 Debit card spends Credit card spends Digital Lending and Card Spends
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Appendix
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₹ in Cr Jun-26 Sep-26 LIABILITIES Capital 494 495 Share warrants subscription 1,549 1,549 Reserves & surplus 38,023 39,178 Deposits 3,20,118 3,42,694 Borrowings 18,167 24,632 Other liabilities & provisions 15,027 18,379 TOTAL 3,93,376 4,26,927 ASSETS Cash & balance with RBI 12,575 16,801 Balances with banks, money at call 5,459 8,881 Investments 80,103 84,045 Advances 2,77,498 2,98,226 Fixed assets 1,465 1,470 Other assets 16,276 17,504 TOTAL 3,93,376 4,26,927 30 37% 0% 29% 1% 33% Share holding pattern (Sep-26)* Mutual Funds FIs/Banks FIIs Corporates Others Balance Sheet & Shareholding Pattern *Provisional figures
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₹ in Cr Q2 FY26 Q1 FY27 Q2 FY27 Q-o-Q Y-o-Y Interest income 6,742 7,238 7,721 7% 15% Interest expenses 4,247 4,292 4,568 6% 8% Net interest income 2,495 2,946 3,153 7% 26% Other income 1,082 1,048 1,490 42% 38% Operating expense 1,933 2,097 2,418 15% 25% Total income 7,824 8,287 9,211 11% 18% Total expense 6,180 6,389 6,986 9% 13% Operating profit 1,644 1,897 2,225 17% 35% Total provisions (inc. tax) 689 720 839 17% 22% Net profit 955 1,177 1,386 18% 45% 31 Financials
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Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Book Value (Per Share in ₹) 141.58 145.76 157.00 161.87 166.32 EPS (annualized) 15.42 16.79 20.73 19.15 22.26 CASA + Deposits < ₹3Cr (% of Total Deposits) 83% 84% 85% 85% 81% ROA % 1.09 1.15 1.36 1.22 1.32 RoRWA % 1.92 2.03 2.44 2.21 2.48 ROE % 11.01 11.68 13.69 12.01 13.57 Cost / Income % 54.04 53.92 47.28 52.50 52.08 Net NPA % 0.48 0.42 0.20 0.18 0.17 Profitability (Annualized) Shareholder value Efficiency Granularity 32 Key Indicators
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230 208 221 196 183 195 153 138 122 149 60 51 68 49 53 23 13 12 22 24 48 10 35 4 11 23 16 579 435 474 409 420 0 50 100 150 200 250 300 350 400 450 500 550 600 650 700 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail Agri/MFI BuB CV/CE CoB CIB 33 Fresh slippages ₹ in cr Q2 FY26 Q1 FY27 Q2 FY27 Business NPA NPA NPA Gross NPA Retail 1,583 1,513 1,401 Agri/MFI 1,378 1,349 1,271 BuB 765 714 642 CV/CE 113 139 155 CoB 581 485 440 Corporate 112 82 81 Total 4,532 4,282 3,990 Net NPA 1,165 506 492 NPA Composition Fresh Slippages Break-up
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34 *Excluding Assignments, IBPC and IBU Advances #As on 30-09-2026 Top Sectors in Advance Portfolio - Basel 3 Disclosure# 3.08% 8.28% 28.41% 29.59% 30.63% Others Agriculture and Allied Activities Services Retail Loans Industry 4.97% 1.29% 1.99% 2.38% 2.45% 2.54% 2.66% 2.95% 9.41% Other Industries Construction Vehicles, Vehicle Parts and Transport Equipments Textiles Food Processing Basic Metal and Metal Products Chemicals and Chemical Products (Dyes, Paints, etc.) All Engineering Infrastructure (Pertaining to Industries Sector Only)
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35 Top 20 Concentration as a Percentage of Portfolio Improving granularity across Borrower and Depositor base 10.11 8.43 7.93 7.88 7.09 7.38 6.83 7.09 6.83 7.43 4.81 4.85 5.92 5.47 5.4 4.82 4.55 4.45 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 % Top 20 Borrowers % Top 20 Depositors
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36 Fedbank Financial Services 60.64%Subsidiary ▪ Marketing Retail Asset Products of the Bank ▪ Retail Hubs established at major centres all over India ▪ Separate mechanism established for speedy and dedicated processing of retail loans sourced through this channel Federal Operations & Services (FedServ) 100%Subsidiary ▪ A wholly owned subsidiary company of Federal Bank ▪ Provides operational & technology-oriented services to Federal Bank ▪ Located at Bangalore, Visakhapatnam, Indore & Kochi ▪ Designed to deliver excellence in service, mitigation of risk and cost efficiencies Ageas Federal Life Insurance Company 30%Associate ▪ Bank’s Joint Venture Life Insurance Company, in association with Ageas ▪ Federal Bank holds 30% equity in the J.V. ▪ Started selling life insurance products from March 2008 Subsidiaries & Associates xx% Stake owned by Federal Bank as of Sep 2026 Group Companies
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37 Q2 FY27 - Subsidiaries UpdateFedbank Financial Services ❑ 60.6% stake held by Federal Bank Limited ❑ ROA and ROE reported at 2.8% and 17.0%, respectively. ❑ Distribution of 831 branches across 18 states and UTs. ❑ Capital Adequacy stands at 21.0%. KEY HIGHLIGHTS Disbursals ₹6,676 Cr disbursed in Q2 FY27, reflecting growth of 28% YoY. Low Credit Cost Credit Cost stands at 0.6% for Q2FY27 Secured AUM 99.4% of the AUM continues to be secured. AUM AUM increased by 36.6% YoY to ₹22,035 Cr. NPAs Gross NPA and Net NPA stands at 1.8% & 1.2%, respectively.
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38 Strong & Diverse Board ESG Women Representation in workforce Women Representation in the Board40% 10% Cybersecurity Awareness ‘Twice is Wise’ – a Cybersecurity Awareness Campaign conducted Social Responsibility Speak for India, debate competition conducted providing a transformative platform for student expression. Governance Structure Dedicated E&S committee chaired by MD & CEO to track the ESG strategies & actions Total Board Members Independent Directors10 60% Certifications ✓ Information Security Management System ✓ Business Continuity Management System ✓ Payments Card Industry Data Security Standard Strong & Diverse Board Focus on Gender diversity ESG Certifications Corporate Governance & ESG snapshot
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39 Grow green portfolio size In-house solar power generation capacity Water conservation capacity Finance women entrepreneurs – BC Channel Bank Premises to be green certified Gender diversity ratio (Women) Target metric ₹ 13,000 Cr 750kWp 2 Lakh Litre 20.00 Lakh At least 10% Greater than or equal to 37% Target date December 2025 March 2028 March 2028 March 2030 March 2028 Continuing target Mar-26 ₹ 10,489 Cr 570 KWp 1,38,500 Litre 14.30 Lakh 5.5% of total occupied area 42% Sep-26 ₹ 11,131 Cr 570 KWp 1.38,500 Litre 15.83 Lakh 5.5% of total occupied area 40% Focused efforts to build green portfolio Committed to sourcing sustainable energy Environmentally responsible and sustainable practices Committed & focused on an ongoing basis IGBC certification obtained for 3 premises Maintained on an ongoing basis Public CommitmentsCurrent position Commitments revised as targets were achieved well in advance of the deadlines. ESG Performance Snapshot
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40 Federal Bank recognized with Skoch Awards for KYC connect and Skoch Order-of- Merit for DOMS At the 110th SKOCH Summit Expanded secured digital lending offerings with the launch of Loan Against Mutual Funds (LAMF). Award-winning franchise & other initiatives / highlights Federal Bank adjudged Runner-up in the “Best Bank in AI/ML Implementation” category At the 4th Emerging Asia Banking conclave & Awards 2026, organized by the Indian Chamber of Commerce Launched Loan Against Mutual Funds (LAMF) Banking for the Emerging Affluent Premium banking with curated lifestyle, rewards, and protection benefits. Verto Personalized Banking Beyond Branches Proactive relationship management through dedicated virtual bankers. Virtual Relationship Manager (VRM) Banking Through WhatsApp Instant, paperless savings account opening on WhatsApp. Savings Account Opening via Feddy (WhatsApp) Current account onboarding while incorporating a companyMCA Integration Digital Trade Finance Enablement Simplifying trade finance through a fully digital platform. BLUNO Partnership One-Click Account Funding Instantly add funds from accounts held with other banks via UPI. Add Money on FedMobile Award-winning franchise
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41 Fixed Deposit (Short term) Certificate of Deposit Tier 2 (Capital) Bonds Fixed Deposit A1+ A1+ IND AA+ CARE AA+ AAA India Ratings & Research Pvt Ltd, CARE and S&P Global Ratings Infrastructure Bonds IND AA+ CARE AA+ External ratings Global Rating ‘BBB-’ - Long Term (Stable) ‘A-3’ – Short Term
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Thank You