Investor Presentation

October 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 October 10, 2026 intimating about Earnings call Further to our letter dated October 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 September 30, 2026. In compliance with Regulation 46(2) of the SEBI (LODR) Regulations, 2015, 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 PUBLIC FEDBANK FINANCIAL SERVICES INVESTOR PRESENTATION Q2 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 : Q2 FY27 Business ⮚ AUM grew 36.6% YoY to ₹22,035 Cr ⮚ Disbursals increased by 28.3% YoY to ₹6,676 Cr ⮚ Gold Loan AUM grew 77.0% YoY to ₹11,917 Cr ⮚ Net growth in Gold AUM of ₹726 Cr in this quarter ⮚ Mortgage AUM grew 13.5% YoY to ₹9,982 Cr Branches ⮚ Commissioned 74 new branches this quarter, bringing our total footprint to 831 branches (across 18 states & UTs) Profitability ⮚ Net Interest Income for this quarter has grown by 37.4% YoY to ₹403.7 Cr ⮚ Operating Profit for this quarter has grown by 47.5% YoY to ₹205.1 Cr ⮚ PAT for this quarter has grown by 63.1% YoY to ₹130.8 Cr reflecting a RoA of 2.8% and RoE of 17.0% Asset Quality and Provisioning ⮚ Gross Stage III stood at 1.8%, Net Stage III stood at 1.2% ⮚ Credit Cost for this quarter is 0.6% Q2 FY27 Result Summary YoY QoQ ₹22,035 Cr ₹6,676 Cr ₹130.8 Cr ₹3,165 Cr 84.4 AUM Disbursements Profit After Tax Shareholder’s Funds Book Value/Sh. 36.6% 4.2% 28.3% -1.2% 63.1% 14.3% 16.8% 5.4% 16.3% 5.3% 99.4% ₹14,602 Cr 21.0% 831 5,920 Secured AUM Borrowings1 CRAR Branches Employees3 171bps 18bps 42.7% -0.6% -68bps 25bps 132 74 21.0% 10.1% 1.8% 1.2% 0.6% 2.8% 17.0% GNPA NNPA Credit Cost2 RoA RoE -8bps 27bps -12bps 22bps -36bps -19bps 43bps 24bps 496bps 153bps 1. Borrowings represents the aggregate of debt securities, borrowings (other than debt securities) and subordinated liabilities outstanding 3. Employees excludes apprentices 5 2. Credit cost represents impairment on financial instruments divided by average total assets OFuinr aHnicstiaolrsical Performance ₹ Cr Particulars FY19 FY20 FY21 FY22 FY23 FY 24 FY 25 FY 26 H1 FY27 Branches (#) 149 303 359 516 575 621 694 757 831 Employees (#) 964 1,890 2,125 2,855 3,570 4,298 4,568 5,303 5,920 Disbursements 1,969 4,380 5,894 7,470 10,749 13,579 18,788 31,410 13,436 AUM 2,019 3,838 4,862 6,187 9,070 12,192 15,812 20,153 22,035 Net Total Income 141.6 264.9 384.4 536.0 742.5 943.4 1,226.0 1,347.3 829.0 Operating Profit 54.0 77.4 148.1 223.1 307.3 393.9 520.1 576.3 392.6 Profit after tax 36.1 39.1 61.7 103.5 180.1 244.7 225.2 343.6 245.1 Shareholder’s Fund 459 691 835 1,154 1,356 2,261 2,547 2,926 3,165 Book Value Per Share (₹) 19.9 25.3 28.8 35.9 42.1 61.2 68.3 78.2 84.4 Driving Sustainable Scale & Compounding Book-value RoA & RoE Trajectory ROA and ROE 17.0% 3.4% 16.5% 15.4% 15.5% 3.2% 14.0% 14.5% 3.0% 12.7% 2.8% 13.5% 2.8% 12.0% 12.5% 11.6% 11.4% 2.6% 2.6% 11.5% 2.6% 2.5% 2.4% 10.5% 2.4% 2.3% 9.5% 2.2% 2.2% 8.5% 2.0% 7.5% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1FY27 Q2FY27 ROA ROE Steady improvement quarter-on-quarter 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 18 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 September 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 C.V. Ganesh Vikram Rathi Anila Rajneesh Praful Rajpopat Chief Financial Officer Chief Risk Officer Chief Human Chief Credit 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 September 2026 Top Institutional Shareholders : 30th September 2026 Investor Details % Holding Federal Bank Ltd 60.6% Others 17.8% Nomura India Investment 6.9% Ba [Showing first 8,000 characters — download PDF for full document]