The Federal Bank Limited

rs,

bai - 400 051 The Manager Department of Corporate Services BSE Limited, Phiroze Jeejeebhoy Towers, Floor 25, Dalal Street, Mumbai- 400 001 Ref.: Scrip Symbol: FEDERALBNK/Scrip Code: 500469 Dear M

₹ 4051.89

tegic and seamless transition.. Major Landmarks Asset Quality at Decadal Best ANNUAL NET PROFIT ₹ 4051.89 cr TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 %

₹ 5.18 lakh

.. Major Landmarks Asset Quality at Decadal Best ANNUAL NET PROFIT ₹ 4051.89 cr TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03%

1.84%

Quality at Decadal Best ANNUAL NET PROFIT ₹ 4051.89 cr TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54

0.44%

adal Best ANNUAL NET PROFIT ₹ 4051.89 cr TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NI

1.24 %

051.89 cr TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 5

1.23%

TOTAL BUSINESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % |

12.82 %

INESS ₹ 5.18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % | 54.02% Cred

13.03%

18 lakh cr GROSS NPA 1.84% NET NPA 0.44% KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % | 54.02% Credit Cost 2

3.12 %

KEY HIGHLIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % | 54.02% Credit Cost 26 bps | 38 bps Slippage Ratio 0.82 % Q4FY2

3.13%

LIGHTS FOR ROA 1.24 % | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % | 54.02% Credit Cost 26 bps | 38 bps Slippage Ratio 0.82 % Q4FY25 | FY25

56.69 %

% | 1.23% ROE 12.82 % | 13.03% EPS 17.02 | 16.54 BVPS 134.87 NIM 3.12 % | 3.13% Cost to Income 56.69 % | 54.02% Credit Cost 26 bps | 38 bps Slippage Ratio 0.82 % Q4FY25 | FY25 Balance Sheet ₹3,49,00

“RoE* (%) RoA* (%) 2,07,522 2,17,214 2,30,152 YoY growth: 11% QoQ growth: 6% 2,14,576 2,38,199 2,42,773 12.75 12.00 12.82 YoY growth: 13% QoQ growth: 2% 1.22 1.14 1.24 Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 ✓ CASA grew by 6.7% on a QoQ basis ✓ Resident SB book grew by 2.9% on a QoQ basis ✓ NRE deposits grew by 4.5% on a QoQ basis.”

“792 ₹cr (Q4 FY25) 78% 15.39L 61.57% 23 states 2 UT 12L+”

“) r c n i ₹ ( o i l o f t r o P 18 Rating distribution Rating distribution (CIB) External rating of CIB advances Q4 FY25 17% 1% 16% 8% 8% 1% Q3 FY25 75% 74% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q3 FY25 4% 15% 12% 69% Q4 FY25 9% 17% 12% 62% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security).”

“❑ Capital Adequacy for FY25 stands at 21.9%.”

“Contained Credit Cost Credit Cost for Q4 FY25 stands at 1.0% Secured AUM 89.5% of the AUM continues to be secured.”

“39 Award-winning franchise & other initiatives / highlights Federal Bank – Brand Ambassador We are pleased to announce the onboarding of the acclaimed Bollywood actress Vidya Balan as our first-ever brand ambassador Federal Bank wins “Best CSR Project – Health (Large Enterprise Category)”.”

Spends

2

Profitability

1

No of customers

1

Tonnage

1

Network

1

Cards Issued

1

ENR

1

CASA Balance

1

PL Balance

1

POS Campaign Power-Up

1

Profitability

RoE* (%) RoA* (%) 2,07,522 2,17,214 2,30,152 YoY growth: 11% QoQ growth: 6% 2,14,576 2,38,199 2,42,773 12.75 12.00 12.82 YoY growth: 13% QoQ growth: 2% 1.22 1.14 1.24 Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 Q4 FY24 Q3 FY25 Q4 FY25 ✓ CASA grew by 6.7% on a QoQ basis ✓ Resident SB book grew by 2.9% on a QoQ basis ✓ NRE deposits grew by 4.5% on a QoQ basis. ✓ Total Deposits grew by 6.5% on a QoQ basis. ✓ Retail Book# up by 13.7% YoY ✓ Business Banking book# up by 11.4% YoY ✓ CIB2 # grew by 8.4% YoY ✓ CoB3 # grew by 26.8% YoY ✓ CV/CE4 # up by 34.9% YoY ✓ Gold loan up by 20.9% YoY % change Total Income NII QoQ (%) -1 -2 YoY (%) 14 8 ✓ RoRWA at 2.21% ✓ Profit per employee at ₹ 26.12 lakh ✓ Business per employee at ₹ 32.41 Cr. Deposit mobilization continues Well-diversified credit growth Delivering Sustained Profitability *Annualized 1Gross Advances without accounting for sale via IBPC 2Corporate and Institutional Banking 3Commercial Banking 4Commercial Vehicle/ Construction Equipment

Network

Women customers ₹ 27L ✓ Tie-up with all major OEMs 62.33 10.07% 3.2% YoY growth 26 BC partners ~1000 BC outlets 98%+ LTV resilience strengthened, improving by 9.57% YoY - enhancing risk buffers. ) r c n i ₹ ( o i l o f t r o P 18 Rating distribution Rating distribution (CIB) External rating of CIB advances Q4 FY25 17% 1% 16% 8% 8% 1% Q3 FY25 75% 74% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q3 FY25 4% 15% 12% 69% Q4 FY25 9% 17% 12% 62% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security). 19 Rating distribution (advances excluding CIB) Internal rating of advances excluding CIB Q4 FY25 31% 30% 5% 5% 16% 17% Q3 FY25 18% 17% 30% 31% 1) FBR1 2) FBR2/FBR3 3) FBR4 4) FBR5/FBR6 5) OTHERS Fee income / other income Diversified and granular fee income ₹ in Cr Loan processing fee Cards Para banking Banking commissions & exchanges General service char

ENR

1.00 1.10 1.07 1.08 1.05 1.05 Card programs under CUG3 67% 3% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 TD Balance

CASA Balance

1.18 1.00 1.04 1.04 1.05 1.00 1.05 1.13 1.15 1.24 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 #Accounts:

PL Balance

1.04 1.03 1.04 1.05 1.00 1.09 1.24 1.33 1.22 1.00 40% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Co-branded credit cards Savings franchise Personal loans 1 Indexed Number 3 Card programs under CUG: 24 Digitization as a Multiplier 593 Edu. Institutions onboarded to Fee collection Solution “Careerbook” 25K ₹ cr Retail Mobile Banking Volume/Month 50K ₹ cr Corporate Digital Channels Volume/Month 92% transactions Serviced Digitally (Retail + Corporate) 82% Of Corporate Txns serviced Digitally 59L unique QR Merchants 350 RPA Process running 790 APIs made available 15L Active FedMobile Users (Monthly) Note: Data as at Mar-25 unless specified otherwise 25 HUMAN AT THE CORE Feddy is Live on Approx 7 Lakh queries answered by Feddy in this quarter Digital Assistant - Feddy 15 G/H 13% 4% 5% KYC Upload Debit Card Application (Share of Service Requests received through Fed-e-Point for Mar -25) DIGITIZATION Digitization as a Multiplier Major Initiatives Consistently at the

POS Campaign Power-Up

Zero MDR, Zero Rental • Zero Merchant Discount Rate • Zero Monthly Rental 26 CBDT Tax Payments on FedOne Instant ICN-Integrated Payment Receipts • Efficient Bulk Upload for Tax Payments • • Flexible Tax Payment Scheduling • Dedicated Support Desk FedNet for Secondary Users and