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

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rcumstances after the date thereof. 2 Table of contents 01 Key highlights 02 Business parameters 03 Distribution strategy and digital journey 04 Appendix 3 Pages 4 - 13 14 - 23 24 - 32 33 - 46

₹ 3,173

l journey 04 Appendix 3 Pages 4 - 13 14 - 23 24 - 32 33 - 46 Q4 FY26 Net Interest Income ₹ 3,173 crs Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA

₹ 2,276

ges 4 - 13 14 - 23 24 - 32 33 - 46 Q4 FY26 Net Interest Income ₹ 3,173 crs Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lak

₹ 1,259

- 32 33 - 46 Q4 FY26 Net Interest Income ₹ 3,173 crs Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time!

₹ 991

Net Interest Income ₹ 3,173 crs Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0

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terest Income ₹ 3,173 crs Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0.20 Fee

₹ 1,03,390

s Operating Profit ₹ 2,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0.20 Fee to Assets 1.07% NR Deposit

1 lakh

,276 crs Net Profit ₹ 1,259 crs Fee Income ₹ 991 crs 4 Best Ever! CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0.20 Fee to Assets 1.07% NR Deposit ₹ 1,02,620 Cr Cr

1.07%

CASA ₹ 1,03,390 Cr Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0.20 Fee to Assets 1.07% NR Deposit ₹ 1,02,620 Cr Crosses 1 lakh Cr for the first time! Major One- Off’s Rs.456 crore

₹ 1,02,620

r Crosses 1 lakh Cr for the first time! GNPA | NNPA 1.62 | 0.20 Fee to Assets 1.07% NR Deposit ₹ 1,02,620 Cr Crosses 1 lakh Cr for the first time! Major One- Off’s Rs.456 crore interest on IT refund. R

Rs.456 crore

Assets 1.07% NR Deposit ₹ 1,02,620 Cr Crosses 1 lakh Cr for the first time! Major One- Off’s Rs.456 crore interest on IT refund. Rs.456 crore floating NPA provision created. Rs.115 crore income tax provi

“RoE* (%) RoA* (%) (₹ in cr) (₹ in cr) 2,30,152 2,50,355 2,67,121 2,47,605 2,34,836 2,65,722 2,72,532 2,55,569 2,64,594 YoY growth: 16% QoQ growth: 7% Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY25 Q3 FY26 Q4 FY26 ✓ Avg CASA grew by 6% on a QoQ basis ✓ Resident SB book grew by 4% on a QoQ basis ✓ NRE SB grew by 10% on a QoQ basis.”

“✓ Customer Assets1 up by 3% QoQ ✓ Net Advances up by 4% QoQ ✓ Retail Book# up by 3% QoQ ✓ Gold loans up by 9% QoQ ✓ CoB3 # grew by 6% QoQ ✓ Micro Advances up by 7% QoQ 12.82 1.24 10.30 1.00 13.69 12.47 (Excl one off) 11.68 11.01 1.36 1.15 1.09 1.24 (Excl one off) Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 ✓ RoRWA at 2.44% ✓ Profit per employee at ₹ 29 lakh ✓ Business per employee at ₹ 33 Cr.”

“20% 78,053 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 14,289 15,239 20,562 21,268 25,337”

“Select high/medium yielding lending products CV / CE ) r c n i ₹ ( 4,644 5,343 5,797 o i l o f t r o P Q4 FY25 Q3 FY26 Q4 FY26 ✓ Tie-up with all major OEMs Tonnage 53.19 Yield YoY 25% QoQ 8%”

“₹ 28L Gold loans 10.27% 30,505 35,221 38,401 LTV 53.72% 59.73% Q4 FY25 Q3 FY26 Q4 FY26 YoY 26% QoQ 9% Credit Cards 3,550 4,270 4,368 ) r c n i ₹ ( o i l o f t r o P Q4 FY25 Q3 FY26 Q4 FY26 YoY 23% QoQ 2%”

“29 BC partners ~1000 BC outlets Q4 FY25 Q3 FY26 Q4 FY26 YoY 6% QoQ 7% P o r t f o l i o ( ₹ i n c r ) 20 *Credit segments are based on internal classifications and are realigned at the beginning of every FY.”

“Disbursals ₹11,665 Cr disbursed in Q4 FY26, reflecting growth of 109.1% YoY.”

YoY growth

2

Spends

2

Profitability

1

Disbursements

1

PSL

1

Avg. ticket size

1

Cards Issued - Qtr

1

No of customers

1

Reach

1

Network

1

Profitability

RoE* (%) RoA* (%) (₹ in cr) (₹ in cr) 2,30,152 2,50,355 2,67,121 2,47,605 2,34,836 2,65,722 2,72,532 2,55,569 2,64,594 YoY growth: 16% QoQ growth: 7% Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY25 Q3 FY26 Q4 FY26 ✓ Avg CASA grew by 6% on a QoQ basis ✓ Resident SB book grew by 4% on a QoQ basis ✓ NRE SB grew by 10% on a QoQ basis. ✓ Total SB grew by 5% on a QoQ basis. ✓ Total Deposits grew by 5% on a QoQ basis. ✓ Customer Assets1 up by 3% QoQ ✓ Net Advances up by 4% QoQ ✓ Retail Book# up by 3% QoQ ✓ Gold loans up by 9% QoQ ✓ CoB3 # grew by 6% QoQ ✓ Micro Advances up by 7% QoQ 12.82 1.24 10.30 1.00 13.69 12.47 (Excl one off) 11.68 11.01 1.36 1.15 1.09 1.24 (Excl one off) Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 ✓ RoRWA at 2.44% ✓ Profit per employee at ₹ 29 lakh ✓ Business per employee at ₹ 33 Cr. Deposit mobilization continues Advances growth diversified Sustained Improvement in Profitability *Annualized 1Customer Assets includes Credit Substitutes and excludes IBPC/ BRDS 2Corporate and Institutional B

YoY growth

20% 78,053 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 14,289 15,239 20,562 21,268 25,337

YoY growth

23% NRE & NR deposits (₹ in cr) Remittance Market share (%)1 76,394 70,571 76,029 82,648 83,297 90,631 95,872 87,402 1,02,620 93,660 YoY growth: 13% 19.30 19.72 18.67 18.42 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 FY23 FY24 FY25 9m FY26 14 1 Market share calculated based on (i) Federal Bank’s remittances data, and (ii) Preliminary data from RBI report on balance of payment (Statement II: Standard Presentation of India's Balance of Payments) NRE Deposits NR Deposits Credit portfolio distribution Customer Assets (₹ in cr) Retail Book* Commercial* Corporate* 2,47,605 2,49,139 2,54,208 Yield on advances (%) 2,65,722 2,72,532 9.31 1,35,768 1,36,578 1,38,212 1,42,602 1,47,319 YoY growth: 9% 23,723 25,028 26,747 28,177 29,846 YoY growth: 26% 88,115 87,534 89,249 94,943 95,367 YoY growth: 8% 8.74 8.65 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q3 FY26 Q4 FY26 Customer Assets mix (Mar-26) Retail Book* Commercial* Corporate* 3% 2% 2% 7% 11% 54% 11% 35% 14% 26% 35% 15 *Credit segments are bas

Avg. ticket size

₹ 28L Gold loans 10.27% 30,505 35,221 38,401 LTV 53.72% 59.73% Q4 FY25 Q3 FY26 Q4 FY26 YoY 26% QoQ 9% Credit Cards 3,550 4,270 4,368 ) r c n i ₹ ( o i l o f t r o P Q4 FY25 Q3 FY26 Q4 FY26 YoY 23% QoQ 2%

Network

29 BC partners ~1000 BC outlets Q4 FY25 Q3 FY26 Q4 FY26 YoY 6% QoQ 7% P o r t f o l i o ( ₹ i n c r ) 20 *Credit segments are based on internal classifications and are realigned at the beginning of every FY. Vertical wise advance figures includes Credit Substitutes and excludes IBPC/ BRDS.. P o r t f o l i o ( ₹ i n c r ) Rating distribution Strong rating mix underpins asset quality stability Rating distribution (CIB) Rating distribution (advances excluding CIB) External rating of CIB advances Internal rating of advances excluding CIB 14% 19% Q4 FY26 1% 9% 8% 1% Q3 FY26 72% 76% A & Above BBB <BBB OTHERS Internal Rating of ‘OTHERS’ (Externally unrated CIB from above table) Rating FBR1 FBR2/FBR3 FBR4 Below FBR4 & unrated1 Q3 FY26 Q4 FY26 6% 7% 10% 77% 5% 9% 10% 76% Does not account for sale via IBPC 1 Includes exempted category (Eg Loans against liquid security). 21 Q4 FY26 34% 32% 4% 4% 15% 15% Q3 FY26 18% 17% 31% 30% 1) FBR1 2) FBR2/FBR3 3) FBR4 4) FBR5/FBR6 5) OTHERS Broad-based fee m

ENR

1.90 1.62 1.21 1.19 1.21 1.15 1.28 1.00 1.08 1.00 68% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 TD Balance