Press Release

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.: Press Release - Financial and Operational Performance of the Company for the quarter ended June 30, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Press Release on the Financial and Operational Performance of the Company for the quarter ended June 30, 2026. This intimation along with the Press Release is also being uploaded on the Company’s website: https://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 FEDBANK Q1 FY27 Press Release FINANCIAL SERVICES LIMITED Empowering Emerging India with Easy Access to Loans Fedbank Financial Services Limited delivers 13.8% PAT growth in Q1 FY27 to ₹114.4 Cr Mumbai, 15th July, 2026: Fedbank Financial Services Limited, a leading retail focused NBFC specializing in Loan Against Property and Gold Loans, announces its financial results for the First Quarter (Q1 FY27) Financial Highlights (₹ Cr) Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY 25 FY 26 YoY Interest Income 491.6 582.1 657.4 12.9% 33.7% 1858.6 2101.6 13.1% Interest Expenses 218.0 239.4 272.7 13.9% 25.1% 853.8 879.3 3.0% Net Interest Income (Core) 273.6 342.7 384.8 12.3% 40.6% 1004.9 1222.3 21.6% Net Gain on Direct Assignment -5.5 6.1 -12.9 -310.7% 135.8% 65.9 7.4 -88.8% Net Interest Income 268.2 348.8 371.9 6.6% 38.7% 1070.8 1229.7 14.8% Other Income 31.1 29.2 25.7 -12.1% -17.5% 155.2 117.5 -24.3% Net Total Income 299.3 378.0 397.6 5.2% 32.8% 1226.0 1347.3 9.9% Operating Expenses 174.2 215.2 210.0 -2.4% 20.5% 705.9 771.0 9.2% Operating Profit 125.1 162.8 187.5 15.2% 49.9% 520.1 576.3 10.8% Credit Cost 24.7 27.9 34.1 22.1% 37.8% 216.4 115.3 -46.7% Profit Before tax 100.3 134.9 153.5 13.8% 52.9% 303.8 461.0 51.8% Tax Expenses 25.3 34.4 39.1 13.8% 54.3% 78.6 117.4 49.4% Profit After Tax 75.0 100.5 114.4 13.8% 52.5% 225.2 343.6 52.6% Shareholder’s Fund 2634.4 2926.1 3002.8 2.6% 14.0% 2547.4 2926.1 14.9% Book Value Per Share (₹) 70.6 78.2 80.1 2.4% 13.4% 68.3 78.2 14.4% • Net Interest income is up 38.7% YoY to ₹371.9 Cr in Q1 FY27. • Operating Profit is up 49.9% YoY to ₹187.5 Cr in Q1 FY27. • Profit After Tax is up 52.5% YoY to ₹114.4 Cr in Q1 FY27. (₹ Cr) Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY 25 FY 26 YoY Asset Under Management 15,697 20,153 21,136 4.9% 34.7% 15,812 20,153 27.5% Disbursements 5,933 11,665 6,760 -42.1% 13.9% 18,788 31,410 67.2% Numbers/Percentages have been rounded-off  AUM increased by 34.7% YoY to 21,136 Cr in Q1 FY27.  Disbursements for Q1 FY27 came in at ₹ 6,760 Cr, growth of 13.9 % YoY. Press Release 1 FEDBANK Q1 FY27 Press Release FINANCIAL SERVICES LIMITED Empowering Emerging India with Easy Access to Loans Key Financial Ratios Ratios Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY 25 FY 26 YoY Cost to Income 58.2% 56.9% 52.8% -411 bps -538 bps 57.6% 57.2% -35 bps Return on Average Assets 2.3% 2.6% 2.6% 4 bps 34 bps 1.8% 2.4% 63 bps Return on Average Equity 11.6% 14.0% 15.4% 140 bps 385 bps 9.4% 12.6% 323 bps Gross NPA 2.0% 1.9% 1.6% -32 bps -44 bps 2.0% 1.9% -14 bps Net NPA 1.2% 1.3% 1.0% -31 bps -28 bps 1.2% 1.3% 5 bps CRAR 22.4% 22.4% 20.7% -169 bps -169 bps 21.9% 22.4% 48 bps  QoQ Gross Stage III and Net Stage III is down by 32bps and 31 bps to 1.6% and 1.0% respectively.  Our credit cost for Q1 stands at 0.8%. Key Operational Information Operational Information Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY 25 FY 26 YoY Branches 668 757 757 0.0% 13.3% 694 757 9.1% Employees* 4,797 5,303 5,376 1.4% 12.1% 4,568 5,303 16.1% *Excludes apprentices employed under NAPS scheme • Branch count stood at 757, spread across 17 states and union territories. About Fedbank Financial Services Limited: Fedbank Financial Services Limited, also known as Fedfina, is a Mumbai-based, retail-focused non-banking finance company (NBFC). Fedfina, promoted by Federal Bank Limited, was established in 1995 and received its NBFC license in 2010. Fedfina is a leading retail focused NBFC specializing in Loan Against Property and Gold Loans. The company's operations are built on a collateralized lending model targeting the emerging self-employed customer segment. Fedfina maintains a significant presence across India, extending to 17 states and union territories. As of June 2026, it operates 757 branches. For further details and product portfolio, please visit www.fedfina.com For details please contact: investor@fedfina.com Disclaimer: Certain statements in this document that are not historical facts are forward looking statements. Such forward-looking statements are subject to certain risks and uncertainties like government actions, local, political, or economic developments, technological risks, and many other factors that could cause actual results to differ materially from those contemplated by the relevant forward-looking statements. Fedbank Financial Services Ltd. will not be in any way responsible for any action taken based on such statements and undertakes no obligation to publicly update these forward-looking statements to reflect subsequent events or circumstances Press Release 2