Investor Presentation

Secretarial Department July 15, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Bandra-Kurla Complex Phiroze Jeejeebhoy Towers Bandra (E), Mumbai – 400 051 Dalal Street, Mumbai – 400 001 SYMBOL - FEDFINA SCRIP CODE: 544027 Dear Sir/Madam, Sub.: Investor meet Presentation Ref.: Our letter dated July 10, 2026 intimating about Earnings call Further to our letter dated July 10, 2026 intimating about the schedule of Earnings call with Analysts/Investors, please find attached the Investor Presentation which is referred during the Earnings call with Analysts/Investors in connection with the Financial Results of the Company for the quarter ended June 30, 2026. In compliance with Regulation 46(2) of the SEBI Listing Regulations, the enclosed Investor Presentation is also being uploaded on the Company’s website: https://www.fedfina.com/. We request you to kindly take the same on record. Thanking you, Yours faithfully, For Fedbank Financial Services Limited Parthasarathy Iyengar Company Secretary & Compliance Officer Mem. No.: A21472 Encl.: a/a Registered & Corporate Office: Unit No. 1101, 11th Floor, Cignus, Plot No 71 A, Powai, Paspoli, Mumbai—400087, Maharashtra. Tel: 022 68520601 ● E-mail: customercare@fedfina.com ● web: www.fedfina.com ● CIN: L65910MH1995PLC364635 INTERNAL FEDBANK FINANCIAL SERVICES INVESTOR PRESENTATION Q1 FY27 EMPOWERING EMERGING INDIA WITH EASY ACCESS TO LOANS Safe Harbor This presentation and the accompanying slides (‘Presentation”), which have been prepared by Fedbank Financial Services Limited or Fedfina (the "Company"), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Forward looking statements concerning the Company's future business prospects and business profitability are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of the forward looking statements become materially incorrect in future or update any forward looking statements made from time to time by or on behalf of the Company. Maps used in the presentation are not to scale. All data, information and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness. Table Of Content Who we are Our Business Financial Performance Technology, Digital, ESG & CSR Executive Summary : Q1 FY27 Business ⮚ AUM grew 34.7% YoY to ₹21,136 Cr ⮚ Disbursals increased by 13.9% YoY to ₹6,760 Cr ⮚ Gold Loan AUM grew 76.7% YoY to ₹11,191 Cr ⮚ Net growth in Gold AUM of ₹838 Cr in this quarter ⮚ Mortgage AUM grew 14.5% YoY to ₹9,777 Cr Profitability ⮚ Net Interest Income for this quarter has grown by 38.7% YoY to ₹371.9 Cr ⮚ Operating Profit for this quarter has grown by 49.9% YoY to ₹187.5 Cr ⮚ PAT for this quarter has grown by 52.5% YoY to ₹114.4 Cr reflecting a RoA of 2.6% and RoE of 15.4% Asset Quality and Provisioning ⮚ Gross Stage III for this quarter is 1.6%, Net Stage III for this quarter is 1.0% ⮚ Credit Cost for this quarter is 0.8% Q1FY27 Result Summary YoY QoQ ₹21,136 Cr ₹6,760 Cr ₹114.4 Cr ₹3,003 Cr 80.1 AUM Disbursements Profit After Tax Shareholder’s Funds Book Value/Sh. 34.7% 4.9% 13.9% -42.1% 52.5% 13.8% 14.0% 2.6% 13.4% 2.4% 99.2% ₹14,696 Cr 20.7% 757 5,376 Secured AUM Borrowings1 CRAR Branches Employees3 315bps 29bps 43.6% 9.0% -169bps -169bps 89 - 12.1% 1.4% 1.6% 1.0% 0.8% 2.6% 15.4% GNPA NNPA Credit Cost2 RoA RoE -44bps -32bps -28bps -31bps 3bps 6bps 34bps 4bps 385bps 140bps 1. Borrowings represents the aggregate of debt securities, borrowings (other than debt securities) and subordinated liabilities outstanding 3. Additionally, there are 344 apprentices 5 2. Credit cost represents impairment on financial instruments divided by average total assets Who we are Our Business Financial Performance Technology, Digital, ESG & CSR About Fedfina Product Suite ➢ Parentage : Majority-owned by Federal Bank, with strong access to debt & equity. ➢ Vision : “Empowering Emerging India with Easy Access to Loans.” Gold Loan ➢ Target Segment: Catering to MSMEs with tailored loan solutions. ➢ Geographical Presence: Wider footprint across 17 states and union territories. ➢ Credit Rating: Strong AA+/Stable ratings by top four rating agencies (CARE, CRISIL ICRA and India Ratings). Small Ticket Medium LAP & HL Ticket LAP Mortgage MSME lender with focused loan against property and gold loans offering Our Board of Directors (as on June 30th 2026) Shyam Srinivasan K.V.S. Manian Harsh Dugar Sunil Gulati Non- Executive Chairman Nominee Director Nominee Director Independent Director Ramesh Sundararajan Mona Bhide Sonal Dave Muralidharan Rajamani Independent Director Independent Director Independent Director Independent Director Parvez Mulla MD & CEO Steered by a strong board Management Team Parvez Mulla MD & CEO Anila Rajneesh C.V. Ganesh Vikram Rathi Chief Human Chief Financial Officer Chief Risk Officer Resource Officer Jagadeesh Rao K Sureshkumar Shardul Kadam CBO - Gold Loan & Mortgage CBO – Mortgage Chief Transformation (Small Ticket) (Medium Ticket) Officer Chief Marketing Officer Deep domain experience Shareholding Pattern Shareholding : 30th June 2026 Top Institutional Shareholders : 30th June 2026 Investor Details % Holding Federal Bank Ltd 60.7% Others 19.1% Nomura India Investment* 6.9% Bandhan Mutual Fund 3.2% Unifi Capital (Blend II and BCAD) 2.1% FII 9.3% Federal Bank 60.7% SBI Life Insurance 1.9% MFs 4.2% HDFC Life Insurance 1.1% Mahindra Manulife fund 0.8% Insurance Cos 3.1% AIFs* 3.6% Nuvama Private Investment 0.7% Yasya Investment 0.6% BNP Paribas Financial Markets 0.6% PGIM India Equity Fund 0.4% Wide shareholders base * Nomura acquires stake from True North Our Growth Journey FY22 – FY26 • AUM: ₹202 bn (FY26) • Branches: 757 (FY26) • Employees: 5,303 (FY26) Q1 FY27 FY20 – FY22 • AUM: ₹ 211 bn Credit Rating • Branches: 757 • AUM: ₹62 bn (FY22) upgraded to Long-term • Employees: 5,376 • Branches: 516 (FY22) AA+/Stable by FY17 – FY19 credit rating • Employees: 2,855 (FY22) CARE and assigned as • AUM: ₹20 bn (FY19) India Ratings AA+/ Stable • Branches: 149 (FY19) by CRISIL • Employees: 964 (FY19) 211 Initial Public Offering of Credit Rating ₹10.9 Bn 158 upgraded to AA by CARE Ratings FY11 – FY17 True North joins in as a strategic Partner • AUM: ₹10 bn (FY17) Long-term credit rating • Branches: 107 (FY17) 62 assigned as • Employees: 579 (FY17) 38 AA/ Positive by CRISIL FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1 FY27 UB Strong growth trajectory over the ye [Showing first 8,000 characters — download PDF for full document]