Investor Presentation

Secretarial Department SEC/LODR/133/2026-27 July 17, 2026 The Manager The Manager The National Stock Exchange of India Limited Department of Corporate Services Exchange Plaza, Bandra-Kurla Complex, BSE Limited, Phiroze Jeejeebhoy Towers, Bandra (E), Mumbai – 400 051. Floor 25, Dalal Street, Mumbai – 400 001 Re: Scrip Symbol: FEDERALBNK/ Scrip Code: 500469 Dear Madam/ Sir, Sub: Investor Presentation Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Investor Presentation on the Unaudited Financial Results for the quarter ended June 30, 2026. The same is also being made available on the Bank’s website at https://www.federal.bank.in/financial- result Kindly take the same on record. Thanking you, Yours faithfully, For 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@federalbank.co.in | Website: www.federal.bank.in CIN: L65191KL1931PLC000368 Investor Information Q1 FY2027 Disclaimer 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. Table of contents Pages 01 Key highlights 4 - 11 02 Business parameters 12 - 21 03 Distribution strategy and digital journey 22 - 27 04 Appendix 28 - 40 Record core earnings* on a strengthening balance sheet Highest Ever* Decadal Best Net Interest Operating Profit Net profit Gross NPA Net NPA Income ₹ 1,897 crs ₹ 1,177 crs 1.52% 0.18% ₹ 2,946 crs ROA ROE EPS BVPS 1.22 % 12.01 % ₹ 19.15 ₹ 161.87 KEY 1.00 % (Q1 FY26) 10.30 % (Q1 FY26) ₹ 14.07 (Q1 FY26) ₹ 138.35(Q1 FY26) HIGHLIGHTS NIM Cost to Income Credit Cost Slippage Ratio FOR 3.33 % 52.50 % 41 bps 61 bps 2.94% (Q1 FY26) 54.89% (Q1 FY26) 65 bps (Q1 FY26) 111 bps (Q1 FY26) Q1FY27 Balance Sheet CRAR PCR Fee Income ₹ 3.93 Lakh Cr 16.97 % 87.37 % ₹ 957 Cr ₹ 3.53 Lakh Cr (Q1 FY26) 16.03 % (Q1 FY26) 74.41 % (Q1 FY26) ₹787 Cr (Q1 FY26) Sequential comparisons and growth metrics are presented on a BAU basis, excluding the one-off in Q4 FY26. Comparative figures have been adjusted to ensure like-for-like comparison of underlying business performance. 4 *Excluding one-off Steady Balance sheet Growth DEPOSITS ADVANCES PROFITABILITY CASA + Dep < 3 Cr: Net Advances: Profitability: (₹ in cr) (₹ in cr) RoE* (%) RoA* (%) 13.69 2,67,121 2,70,551 2,64,594 2,77,498 2,34,702 YoY growth: 15% 2,41,204 QoQ growth: 1% 12.01 11.68 12.47 YoY growth: 15% 11.01 (Excl one off) QoQ growth: 5% 10.30 1.36 1.22 1.15 1.09 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 1.00 1.24 (Excl one off) ✓ Avg CASA grew by 5.8% on a QoQ basis ✓ Gold loans up by 8.2% QoQ ✓ Resident SB grew by 3.5% on a QoQ basis ✓ CoB2 # grew by 5.2% QoQ Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 ✓ Total SB grew by 3.4% on a QoQ basis. ✓ CIB1 # grew by 4.3% QoQ ✓ NRE SB grew by 2.5% on a QoQ basis. ✓ Retail Book# up by 2.6% QoQ ✓ RoRWA at 2.21% ✓ Total Deposits grew by 2% on a QoQ basis. ✓ CV/CE3 # up by 1.6% QoQ ✓ Profit per employee at ₹ 26.02 lakh ✓ Business [Showing first 8,000 characters — download PDF for full document]