Investor Presentation

Secretarial Department SEC/LODR/261/2026-27 October 16, 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 and half year ended September 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 Q2 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 02 Business parameters 03 Distribution strategy and digital journey 04 Appendix Record Core Earnings on a Strengthening Balance Sheet Highest Ever Decadal Best Net Profit Other Income Fee to Asset Gross NPA Net NPA 1,386 Cr 1,490 Cr 1.11% 1.32% 0.17% YoY comparison ROA ROE EPS BVPS 1.32 % 13.57 % ₹ 22.26 ₹ 166.32 KEY 1.09 % 11.01 % ₹ 15.42 ₹ 141.58 HIGHLIGHTS NIM Cost to Income Credit Cost Slippage Ratio FOR 3.32 % 52.08 % 31 bps 59 bps 3.06 % 54.04% 50 bps 94 bps Q2FY27 Balance Sheet CRAR PCR (excl TWO) Fee Income ₹ 4.27 Lakh Cr 16.84 % 86.78 % ₹ 1168 Cr ₹ 3.56 Lakh Cr 15.71% 73.45 % ₹886 Cr Business Franchise now stands over ₹6.4 Lakh Crore - a 20% YoY growth. Average CASA crosses ₹1 Lakh Crore - a 21% YoY growth. Customer Assets crosses ₹3 lakh crore – a 20% YoY growth Robust Balance Sheet Growth DEPOSITS ADVANCES RETURN METRICS Net Advances: Profitability: Retail Deposits1: (₹ in cr) (₹ in cr) RoE* (%) RoA* (%) 13.69 13.57 2,40,411 2,48,546 YoY growth: 16% 2,77,498 2,98,226 2,14,242 QoQ growth: 3% 2,44,657 YoY growth: 22% QoQ growth: 7% 12.01 11.68 12.47 11.01 (Excl one off) 1.36 1.32 1.22 1.15 1.09 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 1.24 (Excl one off) ✓ Retail Book# up by 10% QoQ ✓ CASA grew by 6% QoQ ✓ Gold loans up by 7% QoQ Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 ✓ Avg CASA grew by 4% QoQ ✓ CV/CE4 # up by 4% QoQ ✓ Resident SB book grew by 5% on a QoQ basis ✓ BuB grew by 7% QoQ ✓ RoRWA at 2.23% ✓ Total SB grew by 4% on a QoQ basis. ✓ CIB2 # grew by 5% QoQ ✓ Profit per employee at ₹ 28.82 lakh ✓ Total Deposits grew by 7% on a QoQ basis. ✓ CoB3 # grew by 7% QoQ ✓ Business per employee at ₹ 34 Cr. ✓ LAP grew by 11% QoQ Deposit mobilization continues Advances growth diversified Sustained Improvement in Profitability *Annualized 1As per LCR. Latest figures provisional. [Showing first 8,000 characters — download PDF for full document]