Fedbank Financial Services Limited

rs,

ur letter dated April 20, 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 Anal

27.5%

l Performance Technology, Digital, ESG & CSR Executive Summary : Q4 FY26 Business ➢ AUM Growth: 27.5% YoY increase to ₹20,153 Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.

₹20,153

ogy, Digital, ESG & CSR Executive Summary : Q4 FY26 Business ➢ AUM Growth: 27.5% YoY increase to ₹20,153 Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM:

40.8%

, ESG & CSR Executive Summary : Q4 FY26 Business ➢ AUM Growth: 27.5% YoY increase to ₹20,153 Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY

₹11,665

iness ➢ AUM Growth: 27.5% YoY increase to ₹20,153 Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY growth to ₹10,352 Cr, contributing 51.4% to tot

109.1%

7.5% YoY increase to ₹20,153 Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY growth to ₹10,352 Cr, contributing 51.4% to total AUM ➢ Achieved

76.0%

Cr (40.8% YoY Ex. Business Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY growth to ₹10,352 Cr, contributing 51.4% to total AUM ➢ Achieved all time high net growth in

₹10,352

siness Loans) ➢ Disbursals: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY growth to ₹10,352 Cr, contributing 51.4% to total AUM ➢ Achieved all time high net growth in Gold AUM of ₹2,447 Cr i

51.4%

ls: ₹11,665 Cr, growth of 109.1% YoY ➢ Gold Loan AUM: 76.0% YoY growth to ₹10,352 Cr, contributing 51.4% to total AUM ➢ Achieved all time high net growth in Gold AUM of ₹2,447 Cr in the quarter ➢ Mortg

₹2,447

to ₹10,352 Cr, contributing 51.4% to total AUM ➢ Achieved all time high net growth in Gold AUM of ₹2,447 Cr in the quarter ➢ Mortgage AUM: 16.1% YoY growth to ₹9,362 Cr Branches ➢ Commissioned 34 new br

16.1%

AUM ➢ Achieved all time high net growth in Gold AUM of ₹2,447 Cr in the quarter ➢ Mortgage AUM: 16.1% YoY growth to ₹9,362 Cr Branches ➢ Commissioned 34 new branches this quarter, bringing our total

₹9,362

l time high net growth in Gold AUM of ₹2,447 Cr in the quarter ➢ Mortgage AUM: 16.1% YoY growth to ₹9,362 Cr Branches ➢ Commissioned 34 new branches this quarter, bringing our total to 148 new branches th

“10,000 Cr+ Credit Cost FY26 0.8% (% of ATA) Collections Team Strength: 1.8x 750+ Branches across Exit PAT : 100 Cr+ 17 States & UTs Exit RoE : 14.0% Exit RoA : 2.6% Progress against commitments… Strategy Parameters Capital Efficiency CRAR Tier II Fortification Fully Secured Portfolio Focused on secured lending (% on AUM) Core Income Focus Reduced DA Income (% of PBT) Operating Profit (Excl.”

“Assets - stable post expansion Branch co-location FY25 36.6% 83 830 1x 1x 2.0% 1.2% 1.7% 5.7% - FY26 40.8% 148 1,730 1.8x 0.4x 1.9% 1.3% 0.8% 5.5% 70 7 Q4FY26 Result Summary YoY QoQ ₹20,153 Cr AUM 27.5% 15.2% ₹11,665 Cr Disbursements ₹100.5 Cr Profit After Tax ₹2,926 Cr Shareholder’s Funds 78.2 Book Value/Sh.”

“Additionally, there are 417 apprentices FY26 Result Summary YoY ₹20,153 Cr AUM 27.5% ₹31,410 Cr Disbursements 67.2% ₹343.6 Cr Profit After Tax ₹2,926 Cr Shareholder’s Funds 78.2 Book Value/Sh.”

“➢ Vision : “Empowering Emerging India with Easy Access to Loans.” ➢ Target Segment: Catering to MSMEs with tailored loan solutions.”

“*Include New Gold Branches Strong Value Proposition Geographical AUM Mix Gold Loan Mortgage Loan 3% 20% 77% 9% 28% 13% 32% 63% 55% 17% 17% 19% 20% 38% 43% 44% 44% 45% 40% 37% 36% 5% 6% 28% 27% 9% 29% 14% 19% 24% 30% 29% 30% 25% 23% 67% 66% 62% 56% 52% 50% 47% FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY20 FY21 FY22 FY23 FY24 FY25 FY26 South West North 25 Percentages may not add up to exactly 100% due to rounding.”

“Reducing geographical risk Yields, CoB and Spreads Spreads Yields Cost of Borrowings Spreads Yields Cost of Borrowings 16.0% 16.1% 16.7% 17.1% 16.7% 16.8% 16.2% 17.0% 16.8% 16.8% 7.8% 7.8% 8.6% 9.0% 8.2% 8.3% 8.1% 8.2% 8.1% 8.6% 8.6% 8.5% 8.4% 7.8% 7.8% 8.2% 7.7% 8.7% 9.0% 9.0% FY 22 FY 23 FY 24 FY 25 FY 26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 26 "Yearly Yields, CoB, and Spreads restated from two-point average to quarterly average; quarterly metrics remain on two-point average.”

“Through structured learning modules, hands-on experience, and mentorship, we aim to foster a culture of continuous development and professional excellence.”

Entity AUM

1

Gold AUM

1

Gold AUM

10,000 Cr+ Credit Cost FY26 0.8% (% of ATA) Collections Team Strength: 1.8x 750+ Branches across Exit PAT : 100 Cr+ 17 States & UTs Exit RoE : 14.0% Exit RoA : 2.6% Progress against commitments… Strategy Parameters Capital Efficiency CRAR Tier II Fortification Fully Secured Portfolio Focused on secured lending (% on AUM) Core Income Focus Reduced DA Income (% of PBT) Operating Profit (Excl. DA Income) (₹ in Crs) ROA ROE PAT Profit growth YoY Profitability 6 FY25 21.9% 3.0% 89.5% 21.7% 454 1.8% 9.4% 225 - 8.0% FY26 22.4% 4.9% 98.9% 1.6% 569 2.4% 12.6% 344 52.6% Progress against commitments… Strategy Parameters AUM growth (Ex-BL) Business Expansion Incremental branch expansion Expand doorstep gold loan (AUM ₹ in Crs) Strengthened Collections Team (In-house) Reduced Agency Allocation Asset Quality GNPA NNPA Predictable Credit Cost Credit Cost on Total Assets Cost Efficiency Opex to Avg. Assets - stable post expansion Branch co-location FY25 36.6% 83 830 1x 1x 2.0% 1.2% 1.7% 5.7% - FY26 40