Investor Presentation

Secretarial Department SEC/LODR/209/2026-27 September 8, 2026 National Stock Exchange of India Limited BSE Limited Listing Department, Department of Corporate Services- Listing, Exchange Plaza, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai – 400 001. Mumbai – 400 051 Sub: Disclosure under Regulation 30 and other applicable provisions of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time (“LODR Regulations”) Re: Scrip Symbol: FEDERALBNK/ Scrip Code: 500469 Dear Madam/Sir, Pursuant to Regulation 30 of the LODR Regulations, and with reference to our intimation dated 5 September 2026 regarding the Schedule of Institutional Investors / Analyst Meetings, we enclose herewith the Investor Presentation for the said meetings. No unpublished price sensitive information is contained in the attached Investor Presentation. This intimation, along with the Investor Presentation, is also being made available on the Bank’s website https://www.federal.bank.in/disclosures-to-shareholders in terms of the LODR Regulations. You are requested to take this intimation on record. Thank you. Yours faithfully, For and on behalf of The Federal Bank Limited Samir P Rajdev Company Secretary Federal Bank | 6th Floor, Federal Towers, Bank Junction, Aluva | Kerala | 683101 Phone: 0484- 2622263| E-mail: secretarial@federal.bank.in | Website: www.federal.bank.in CIN: L65191KL1931PLC000368 INVESTOR PRESENTATION The Federal Bank Limited A High-Quality Private Bank Defined by Consistent Execution, Strong Governance, and Predictable Performance September 2026 · Reflecting results for the quarter ended 30 June 2026 (Q1 FY27) This presentation has been prepared by The Federal Bank Limited for institutional investors and analysts and contains forward-looking statements and stated management targets that are subject to risks and uncertainties and are not guarantees of future performance. Figures are drawn from the Bank's public disclosures as cited throughout. A supportive macro backdrop, and a franchise built for India's next phase of growth GROWTH & CREDIT MACRO STABILITY Real GDP growth Inflation ~7% outlook; among the fastest-growing large economies globally, with a 3-year average of ~7.4% Within RBI's tolerance band of 4% ±2%; FY27 expected inflation ~5% System credit growth Fiscal position Running at approximately 19% YoY across the Indian banking system, well ahead of nominal GDP growth Government on a path of fiscal consolidation; FY27 fiscal deficit targeted at 4.3% of GDP System private-bank asset quality External position System-wide NPAs at multi-year lows (~1.8%), a favourable backdrop for continued private- Comfortable current account deficit (~1.5% of GDP for FY27), supported by GCC remittance bank de-risking corridors -directly relevant to Federal Bank's NR franchise Domestic consumption FX reserves Firm and broad-based, supported by government focus on infrastructure investment and Healthy reserves of approximately US$707 bn, providing roughly 9 months of import cover; INR corporate balance-sheet strength may still face headwinds from global events Federal Bank operates within this constructive macro environment as a scaled, well-capitalised private-sector bank, with a franchise oriented toward granular retail, NRI and SME banking rather than concentrated wholesale exposure. Source: General India macroeconomic data as compiled from MOSPI, RBI, Union Budget and CEIC in market/peer investor materials, 2026. 2 Federal Bank Overview A differentiated banking franchise underpinned by deposit strength, prudent underwriting, disciplined risk management and expanding fee-based capabilities, creating sustainable long-term value. Decades of Discipline. A Legacy of Momentum. 1931–1949 1970–1993 1994–2007 2011–2014 2015–2018 2019–2024 2025–Present Building the Expansion to Scale With Wider Banking From The Foundations New Digital Frontiers Familiar, Yet Fresh Institution Connected Banking Access Anywhere Total business of ₹5.79 lakh crore and balance sheet of ₹3.88 lakh crore, with CASA and NRI Became a Scheduled Video-KYC, FedSwagat and deposits each surpassing Incorporated as A 1994 public issue Commercial Bank in 1970. Fed e-Remit widened ₹1 lakh crore. Record Travancore Federal Bank opened access to capital 1:1 bonus share issue. Established its In 2013, a 5-for-1 stock remote and self-service profit reached ₹4,117 Limited at Nedumpuram markets, followed by the Participated in India’s first International Banking split reduced face value digital capabilities. crore, while market near Tiruvalla. Shri K. P. Bank’s first ATM in 1997. focused FinTech Division and became an from ₹10 to ₹2. The Bank International-mobile- capitalizationcrossed Hormis acquired control in First overseas Accelerator Programme. Authorised Dealer in crossed 1,000 branches number UPI for NRE/NRO ₹85,000 crore. The Bank 1945, and the Bank was Representative Office Established an IFSC Foreign Exchange. and ₹1 lakh crore in accounts introduced. QIP completed its brand renamed The Federal Bank opened in Abu Dhabi Banking Unit at GIFT City. Computer Department business -a landmark and preferential allotment refresh under the Limited in 1949, (2008). A 2:1 bonus share Launched Lotza, marking established in 1985 -an scale threshold. (2023) of ₹958 Cr; total ‘Familiar, Yet Fresh ’ converting to a full- issue was declared in the Bank’s entry into UPI. early move to technology- business crossed ₹2.5 lakh identity, entered the MSCI fledged commercial bank. 2004. led banking. crore. Index, and secured a commitment from a Blackstone affiliate to invest up to 9.99% through warrants. Source: Federal Bank Integrated Annual Report FY 2025-26 (‘Decades of Discipline. A Legacy of Momentum.’ milestones); company disclosures. A 95-year franchise, with diversified group businesses Group companies - diversifying the franchise At a glance Rank Fedbank Financial Services (Fedfina) 60.7% Subsidiary 6th largest private-sector bank in India by balance sheet Retail-asset NBFC (gold loans, mortgages). Q1FY27: AUM ₹21,136 Cr (+34.7% YoY), ROE 15.4%, ROA 2.6%, GNPA 1.6%, CAR 20.7%. Listing NSE and BSE; no promoter -fully publicly held. Market cap of c. ₹ 850bn as on 4Sep26 Ageas Federal Life Insurance 30% Associate Network 1,650 banking outlets and 2,112 ATMs/recyclers (Q1FY27); 19.2 million customers; Representative Offices in Dubai and Abu Dhabi; IFSC Banking Unit at GIFT City (since Bancassurance life insurer. 14th consecutive year of profit; FY26 premium collection ₹3,664 Cr; 2015) AA+/Stable domestic ratings (CARE, CRISIL, ICRA, India Ratings). Leadership Elias George appointed Part-time Chairman (RBI-approved, 3-year term) effective 23 May 2026; KVS Manian, MD & CEO Federal Operations & Services (FedServ) 100% Subsidiary Ratings Operations and technology backbone, driving standardisation and cost efficiency across the Bank’s S&P BBB-/ A-3 and CRISIL AAA/ A1+ shared services. Source: Federal Bank Q1 FY27 investor presentation and results; S&P Global Ratings release (July 2026); company disclosures. 5 A well governed Bank by Distinguished Professionals 70% 23 4 Independent Directors Specialised skill domains mapped across the Board Institutional pedigrees: IAS, RBI, SBI, IIM Bangalore Elias George KVS Manian Siddhartha Sengupta Sudarshan Sen Part-time Chairman & Independent Director Managing Director & CEO Independent Director Independent Director Former IAS officer; Additional Chief Secretary, Govt. Career banker leading the Bank's strategic Former Deputy Managing Director, State Bank of Former Executive Director, Reserve Bank of India of Kerala; CEO, Kochi Metro Rail; Senior Partner, transformation, growth and overall franchise India; deep expertise in international banking, trade (Banking Regulation, Co-op & NBFC Regulation); KPMG, Harvard Kennedy School. development. finance and large-bank operations. 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