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 Re: Scrip Symbol: FEDERALBNK/ Scrip Code: 500469 Dear M

₹ 5.29 lakh

21 22-28 29-41 Operating fundamentals remains strong and steady Major Landmarks TOTAL BUSINESS ₹ 5.29 lakh Cr 6th LARGEST PRIVATE BANK * Highest Ever OTHER INCOME ₹ 1,113 Cr KEY HIGHLIGHTS FOR Q1FY

₹ 1,113

Landmarks TOTAL BUSINESS ₹ 5.29 lakh Cr 6th LARGEST PRIVATE BANK * Highest Ever OTHER INCOME ₹ 1,113 Cr KEY HIGHLIGHTS FOR Q1FY26 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost

1.00 %

LARGEST PRIVATE BANK * Highest Ever OTHER INCOME ₹ 1,113 Cr KEY HIGHLIGHTS FOR Q1FY26 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slipp

2.94 %

IVATE BANK * Highest Ever OTHER INCOME ₹ 1,113 Cr KEY HIGHLIGHTS FOR Q1FY26 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.

10.30 %

* Highest Ever OTHER INCOME ₹ 1,113 Cr KEY HIGHLIGHTS FOR Q1FY26 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance

54.89 %

IGHLIGHTS FOR Q1FY26 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 %

65 bps

6 ROA 1.00 % NIM 2.94 % ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 % Fee Income ₹786.49 C

1.11 %

% ROE 10.30 % EPS 14.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 % Fee Income ₹786.49 Cr 4 * in terms of tot

₹3,53,298

4.07 BVPS 138.35 Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 % Fee Income ₹786.49 Cr 4 * in terms of total business size as of Q1F

16.03 %

Cost to Income 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 % Fee Income ₹786.49 Cr 4 * in terms of total business size as of Q1FY26 Weathering

74.41 %

e 54.89 % Credit Cost 65 bps Slippage Ratio 1.11 % Balance Sheet ₹3,53,298 Cr CRAR 16.03 % PCR 74.41 % Fee Income ₹786.49 Cr 4 * in terms of total business size as of Q1FY26 Weathering macro challen

“RoE* (%) RoA* (%) 2,13,345 2,30,152 2,34,702 YoY growth: 10% QoQ growth: 2% 2,25,160 2,42,773 2,45,286 13.64 12.82 10.30 YoY growth: 9% QoQ growth: 1% 1.27 1.24 1.00 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 ✓ CASA grew by 12% on a YoY basis ✓ Resident SB book grew by 3.5% on a QoQ basis ✓ NRE SB grew by 4.9% on a QoQ basis.”

“Select high/medium margin lending products CV / CE ✓ Tie-up with all major OEMs 4,644 4,858 3,728 Q1 FY25 Q4 FY25 Q1 FY26 YoY 30% QoQ 5%”

“59.73% 59.73% 30,505 31,262 27,431 Q1 FY25 Q4 FY25 Q1 FY26 YoY 14% QoQ 2% P o r t f o l i o ( ₹ i n c r ) Credit Cards 3,850 3,550 3,240 Q1 FY25 Q4 FY25 Q1 FY26 4th largest issuer in Q1FY25 ) r c n i ₹ ( o i l o f t r o P YoY 19% QoQ 8% Avg.”

“4,112 3,939 3,790 YoY 4% QoQ -4% P o r t f o l i o ( ₹ i n c r ) 27 BC partners ~1000 BC outlets Q1 FY25 Q4 FY25 Q1 FY26 Gold Loan Book Sees Dual Gains in LTV and Yield *Credit segments are based on internal classifications and are realigned at the beginning of every FY.”

“) r c n i ₹ ( o i l o f t r o P 18 Rating distribution Rating distribution (CIB) External rating of CIB advances Q1 FY26 2% 14% 17% 10% 8% 1% Q4 FY25 74% 74% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q4 FY25 9% 17% 12% 62% Q1 FY26 12% 3% 12% 73% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security).”

Spends

2

Profitability

1

Disbursements

1

PSL

1

Avg. ticket size

1

Tonnage

1

LTV

1

No of customers

1

Reach

1

Network

1

Profitability

RoE* (%) RoA* (%) 2,13,345 2,30,152 2,34,702 YoY growth: 10% QoQ growth: 2% 2,25,160 2,42,773 2,45,286 13.64 12.82 10.30 YoY growth: 9% QoQ growth: 1% 1.27 1.24 1.00 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 ✓ CASA grew by 12% on a YoY basis ✓ Resident SB book grew by 3.5% on a QoQ basis ✓ NRE SB grew by 4.9% on a QoQ basis. ✓ Total SB (Incl Bespoke) grew by 4.2% on a QoQ basis. ✓ Total Deposits grew by 1.3% on a QoQ basis. Deposit mobilization continues *Annualized 1Gross Advances without accounting for sale via IBPC 2Corporate and Institutional Banking 3Commercial Banking 4Commercial Vehicle/ Construction Equipment finance #Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures do not account for sale via IBPC. 5 ✓ Retail Book# up by 8.2% YoY ✓ Business Banking book# up by 5.9% YoY ✓ CIB2 # grew by 5.6% YoY ✓ CoB3 # grew by 26.9% YoY ✓ CV/CE4 # up by 30.3% YoY ✓ Gold loan up by

LTV

59.73% 59.73% 30,505 31,262 27,431 Q1 FY25 Q4 FY25 Q1 FY26 YoY 14% QoQ 2% P o r t f o l i o ( ₹ i n c r ) Credit Cards 3,850 3,550 3,240 Q1 FY25 Q4 FY25 Q1 FY26 4th largest issuer in Q1FY25 ) r c n i ₹ ( o i l o f t r o P YoY 19% QoQ 8% Avg. Spends per Card for quarter is at par with industry: Cards Issued: Qtr: 1.7 Lakhs Micro Advances

Network

4,112 3,939 3,790 YoY 4% QoQ -4% P o r t f o l i o ( ₹ i n c r ) 27 BC partners ~1000 BC outlets Q1 FY25 Q4 FY25 Q1 FY26 Gold Loan Book Sees Dual Gains in LTV and Yield *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures do not account for sale via IBPC. ) r c n i ₹ ( o i l o f t r o P 18 Rating distribution Rating distribution (CIB) External rating of CIB advances Q1 FY26 2% 14% 17% 10% 8% 1% Q4 FY25 74% 74% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q4 FY25 9% 17% 12% 62% Q1 FY26 12% 3% 12% 73% 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 Q1 FY26 31% 31% 5% 5% 15% 16% Q4 FY25 17% 18% 31% 31% 1) FBR1 2) FBR2/FBR3 3) FBR4 4) FBR5/FBR6 5) OTHERS Fee income / other

ENR

1.00 1.00 1.00 1.10 1.27 1.00 1.01 1.06 0.99 0.98 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 TD Balance

CASA Balance

1.00 1.00 1.00 1.13 1.16 1.07 1.10 1.00 1.18 1.21 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 #Accounts:

PL Balance

1.00 1.14 1.22 1.12 1.38 1.00 0.99 1.00 1.00 0.95 38% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Co-branded credit cards Savings franchise Personal loans 1 Indexed Number 3 Card programs under CUG: 24 Digitization as a Multiplier 654 Edu. Institutions onboarded to Fee collection Solution “Careerbook” 22K ₹ cr Retail Mobile Banking Volume/Month 44K ₹ cr Corporate Digital Channels Volume/Month 93% transactions Serviced Digitally (Retail + Corporate) 84% Of Corporate Txns serviced Digitally 60L unique QR Merchants 352 RPA Process running 790 APIs made available 15L Active FedMobile Users (Monthly) Note: Data as of June’25 unless specified otherwise 25 HUMAN AT THE CORE Feddy is Live on Approx 9 Lakh queries answered by Feddy in this quarter Digital Assistant - Feddy 15 G/H 11% 1% 4% KYC Upload Debit Card Application (Share of Service Requests received through Fed-e-Point for Jun -25) DIGITIZATION Major Initiatives Digitization as a Multiplier Consistent first-mo