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

1.09 %

er Net Interest Income Fee Income Para Banking Fee Income KEY HIGHLIGHTS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps S

3.06 %

rest Income Fee Income Para Banking Fee Income KEY HIGHLIGHTS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Rati

11.01 %

Fee Income Para Banking Fee Income KEY HIGHLIGHTS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Bala

₹ 15.42

Para Banking Fee Income KEY HIGHLIGHTS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,5

₹ 141.58

Fee Income KEY HIGHLIGHTS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR

54.04 %

TS FOR Q2FY26 4 ROA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % F

50 bps

OA 1.09 % NIM 3.06 % ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % Fee Income ₹ 886 Cr

0.94%

ROE 11.01 % EPS ₹ 15.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % Fee Income ₹ 886 Cr Weathering macro chall

₹ 3,56,080

.42 BVPS ₹ 141.58 Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % Fee Income ₹ 886 Cr Weathering macro challenges with steady execution

15.71%

Cost to Income 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % Fee Income ₹ 886 Cr Weathering macro challenges with steady execution Q2FY26 – Exec

73.45 %

me 54.04 % Credit Cost 50 bps Slippage Ratio 0.94% Balance Sheet ₹ 3,56,080 Cr CRAR 15.71% PCR 73.45 % Fee Income ₹ 886 Cr Weathering macro challenges with steady execution Q2FY26 – Executing with Fo

“RoE* (%) RoA* (%) 2,16,207 2,34,702 2,40,508 YoY growth: 11% QoQ growth: 2.5% 2,40,333 2,51,017 2,55,613 13.65 10.30 11.01 YoY growth: 6% QoQ growth: 2% 1.28 1.00 1.09 Q2 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q1 FY26 Q2 FY26 ✓ CASA grew by 2.7% on a QoQ basis ✓ Resident SB book grew by 2.7% on a QoQ basis ✓ NRE SB grew by 4.7% on a QoQ basis.”

“Net interest income Fee Income & Other income ₹ in cr 2,367 2,431 2,377 2,337 2,495 964 180 784 916 160 756 1,006 205 1,113 326 800 786 1,082 197 886 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Fee Income Non-Fee Other Income Operating Profit Net profit 1,565 1,569 1,465 1,556 1,644 1,057 955 1,030 862 955 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 10 Highest ever Highest ever NII and Fee Income achieved.”

“Select high/medium margin lending products CV / CE ✓ Tie-up with all major OEMs 4,858 5,048 3,932 Q2 FY25 Q1 FY26 Q2 FY26 YoY 28% QoQ 4%”

“55.64% 59.73% 32,323 31,262 29,722 Q2 FY25 Q1 FY26 Q2 FY26 YoY 9% QoQ 3% P o r t f o l i o ( ₹ i n c r ) Credit Cards ) r c n i ₹ ( o i l o f t r o P 3,850 4,025 3,396 YoY 19% QoQ 5% Q2 FY25 Q1 FY26 Q2 FY26 Average Ticket Size ₹11,355 Cards Issued: Qtr: 2.11 Lakhs”

“Micro Advances 4,095 4,023 3,939 YoY -2% QoQ 2% P o r t f o l i o ( ₹ i n c r ) 27 BC partners ~1000 BC outlets Q2 FY25 Q1 FY26 Q2 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 19 Rating distribution Rating distribution (CIB) External rating of CIB advances Q2 FY26 1% 9% 14% 14% 2% 10% Q1 FY26 74% 76% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q1 FY26 12% 3% 12% 73% Q2 FY26 12% 1% 16% 71% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security).”

“1.00 1.07 0.98 1.21 1.04 1.00 1.01 1.01 0.96 0.91 3 37% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 1 Indexed Number 2 Card programs under CUG: 3 New Partnership launched in Q2 FY26 25 Digitization as a Multiplier 680 Edu.”

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* (%) 2,16,207 2,34,702 2,40,508 YoY growth: 11% QoQ growth: 2.5% 2,40,333 2,51,017 2,55,613 13.65 10.30 11.01 YoY growth: 6% QoQ growth: 2% 1.28 1.00 1.09 Q2 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q1 FY26 Q2 FY26 ✓ CASA grew by 2.7% on a QoQ basis ✓ Resident SB book grew by 2.7% on a QoQ basis ✓ NRE SB grew by 4.7% on a QoQ basis. ✓ Total SB (Incl Bespoke) grew by 3.6% on a QoQ basis. ✓ NR Deposits grew by 2.17% on a QoQ basis. ✓ Retail Book# up by 1.3% QoQ ✓ Business Banking book# up by 2.3% QoQ ✓ CIB2 # grew by 1.4% QoQ ✓ CoB3 # grew by 6.9% QoQ ✓ CV/CE4 # up by 3.9% QoQ ✓ Micro Advances up by 2.1% QoQ % change Total Income NII QoQ (%) 0.3 7 YoY (%) 4 5 ✓ RoRWA at 1.92% ✓ Profit per employee at ₹ 23 lakh ✓ Business per employee at ₹ 32.06 Cr. Deposit mobilization continues *Annualized 1Customer Assets includes Credit Substitutes and without accounting for sale via IBPC 2Corporate and Institutional Banking 3Commercial Banking 4Commercial Vehicle/ Constructio

LTV

55.64% 59.73% 32,323 31,262 29,722 Q2 FY25 Q1 FY26 Q2 FY26 YoY 9% QoQ 3% P o r t f o l i o ( ₹ i n c r ) Credit Cards ) r c n i ₹ ( o i l o f t r o P 3,850 4,025 3,396 YoY 19% QoQ 5% Q2 FY25 Q1 FY26 Q2 FY26 Average Ticket Size ₹11,355 Cards Issued: Qtr: 2.11 Lakhs

Network

Micro Advances 4,095 4,023 3,939 YoY -2% QoQ 2% P o r t f o l i o ( ₹ i n c r ) 27 BC partners ~1000 BC outlets Q2 FY25 Q1 FY26 Q2 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 19 Rating distribution Rating distribution (CIB) External rating of CIB advances Q2 FY26 1% 9% 14% 14% 2% 10% Q1 FY26 74% 76% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q1 FY26 12% 3% 12% 73% Q2 FY26 12% 1% 16% 71% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security). 20 Strong Rating Distribution Highlights Ongoing Focus on Asset Quality Rating distribution (advances excluding CIB) Internal rating of advances excluding CIB Q2 FY26 32% 31% 4% 5% 15% 15% Q1 FY26 18%

ENR

1.41 1.27 1.00 1.00 1.10 1.00 0.97 0.97 1.17 1.05 Card programs under CUG2 68% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 TD Balance

CASA Balance

1.13 1.16 1.15 1.00 1.01 1.00 1.04 1.12 1.15 1.22 3% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 #Accounts:

PL Balance

1.00 1.07 0.98 1.21 1.04 1.00 1.01 1.01 0.96 0.91 3 37% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 1 Indexed Number 2 Card programs under CUG: 3 New Partnership launched in Q2 FY26 25 Digitization as a Multiplier 680 Edu. Institutions onboarded to Fee collection Solution “Careerbook” 25K(Cr) Retail Mobile Banking Volume/Month 51K(Cr) Corporate Digital Channels Volume/Month 92.57% Transactions Serviced Digitally (Retail + Corporate) 88.01% Of Corporate Txns serviced Digitally 61 L unique QR Merchants 356 RPA Processes running 790 Total APIs made available 15.5L Active FedMobile Users (monthly) 26 Note: Data as on Sept-25 unless specified otherwise HUMAN AT THE CORE Feddy is Live on Approx 10 Lakh Queries answered by Feddy in this QTR Digital Assistant - Feddy 15 G/H 7.08% 0.58% 3.33% KYC Upload Debit Card Application (Share of Service Requests received through Fed-e-Point for Sept-25) Major Initiatives Launched at Global FinTech Festival (GFF) Digitization as