Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Q1 2026 Earnings Presentation
43 slides from Federal Bank Ltd. (india)'s earnings presentation, Aug 2, 2025
Slide 1: Updated Investor Presentation Cover Letter to Stock Exchanges
Secretarial Department SEC/LODR/158/2025-26 August 02, 2025 The Manager The Manager The National Stock Exchange of India Limited Department of Corporate Services Exchange Plaza, Bandra-Kurla Complex, BSE Limited, Phiroze Jeejeebhoy Towers, Bandra (E), Mumbai – 400 051. Floor 25, Dalal Street, Mumbai
Slide 2: Investor Information Q1 FY 2026
Investor Information Q1 FY 2026
Slide 3: Disclaimer
Disclaimer IMPORTANT: This presentation has been prepared by The Federal Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by t
Slide 4: Table of Content
TABLE OF CONTENT Pages 01 Key highlights 4-11 02 Business parameters 12-21 03 Distribution strategy and digital migration 22-28 04 Appendix 29-41
Slide 5: Operating fundamentals remains strong and steady
Operating fundamentals remains strong and steady Major Landmarks Highest Ever * TOTAL BUSINESS 6th LARGEST OTHER INCOME ₹ 5.29 lakh Cr PRIVATE BANK ₹ 1,113 Cr ROA ROE EPS BVPS KEY 1.00 % 10.30 % 14.07 138.35 HIGHLIGHTS NIM Cost to Income Credit Cost Slippage Ratio FOR 2.94 % 54.89 % 65 bps 1.11 % Q1
Slide 6: Durable growth strategy anchored in profitability and prudence
Durable growth strategy anchored in profitability and prudence DEPOSITS ADVANCES PROFITABILITY CASA + Dep <3Cr: (₹ in cr) Customer Assets1: (₹ in cr) Profitability: RoE* (%) RoA* (%) 2,30,152 2,34,702 2,13,345 13.64 YoY growth: 10% 2,42,773 2,45,286 12.82 2,25,160 QoQ growth: 2% 10.30 YoY growth: 9%
Slide 7: Asset quality trends
Asset quality trends Asset quality continues to hold firm despite adverse macros. GNPA (%) NNPA (%) PCR (%)1 0.60 75.37 2.11 2.09 0.57 1.95 1.91 74.21 74.41 1.84 0.49 0.48 0.44 71.82 70.79 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25
Slide 8: Asset quality trends (contd)
Asset quality trends (contd) Std Restructured Ac Net NPA ₹ in cr Broad resilience in asset quality; portfolio remains well-contained. 1,205 1,255 Provision Coverage Ratio 1,040 1,330 at 74% 2,830 1,158 2,027 1,427 1,825 1,330 Recovery & Upgradation Q4 FY23 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 of ₹160 Cr
Slide 9: Key ratios
Key ratios Operating performance remains robust, with key ratios consistently stable RoA (%)* RoE (%)* Net interest margin (%)* 1.27 1.28 1.24 3.16 3.12 3.11 3.12 1.14 13.64 13.65 2.94 12.82 1.00 12.00 10.30 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 F
Slide 10: Key P&L parameters
Key P&L parameters Strongest quarter yet for fee and other income streams. ₹ in cr Net interest income Fee Income & Other income 1,113 964 1,006 2,367 2,431 2,377 2,337 915 916 2,292 326 180 205 160 261 784 756 800 786 654 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY
Slide 11: Comparison: Y-o-Y
Stable growth across the board with better CASA mix Comparison: Y-o-Y and rising fee income; all with improved buffers ₹ in cr Retail* BuB* CVCE* COB* 6% 6% 30% 27% Advances 65,467 -> 69,085 Gold* 18,124 -> 19,194 Agri & Allied* 3,728 -> 4,858 MFI* 19,729 -> 25,028 CIB* 14% 7% 4% 6% 27,431 -> 31,262
Slide 12: Comparison: Q-o-Q
Comparison: Q-o-Q Sequential CASA growth stands out driven by strong SB traction ₹ in cr Retail* BuB* CVCE* COB* -0.4% 1% 5% 6% Advances 69,335 -> 69,085 Gold* 18,963 -> 19,194 Agri & Allied* 4,644 -> 4,858 MFI* 23,723 -> 25,028 CIB* -4% 2% 0.4% 0.5% 30,505 -> 31,262 8,208 -> 8,240 4,112 -> 3,939 83
Slide 13: Liability trends
Liability trends CASA momentum continues, up 12% YoY on the back of robust CA growth (+17.4%). Deposits : Period End (₹ in cr) CA, SA & CASA End Period (₹ in cr) and CASA ratio (%) CASA + Deposits < 3Cr Other CA SA (Incl Bespoke) XX CASA Ratio (%) 30.23 30.35 2,83,647 2,87,436 29.38 29.27 87,236 2,6
Slide 14: Credit portfolio distribution
Growth Momentum aligns with our focus on Credit portfolio distribution MSME and mid-market expansion. Gross Advances (₹ in cr) Yield on advances (%) Corporate* Commercial* Retail Book* 9.43 2,33,820 2,33,749 2,38,134 2,44,679 9.31 2,24,161 9.04 80,263 83,283 83,680 YoY growth: 6% 79,208 80,575 21,36
Slide 15: Credit portfolio distribution
Credit portfolio distribution Loan book by interest rate type(%) (Retail, Gold & SME)* as % of loan book (₹ in cr) EBM Fixed MCLR Others 48% 300000 61.5% 61.2% 250000 60.9% 61.0% 60.6% 33% 200000 60.5% 60.5% 150000 10% 60.0% 100000 59.7% 9% 59.5% 0.1% 0.5% 50000 0.9% 0 59.0% Q1 FY25 Q2 FY25 Q3 FY25
Slide 16: Retail Banking
Retail Banking Maintaining disciplined growth in line with shifting macro trends. Retail book mix (Jun-25) Retail advances mix (Excl Gold, BuB, Agri, CV/CE & MFI) (₹ in cr) 4% 3% 9,982 9,810 9,453 9,173 9,509 6% 3,396 3,444 3,550 3,850 Retail* 3,240 3,925 3,774 3,789 3,737 3,928 8,256 8,470 8,605 8,
Slide 17: Commercial/ Corporate Banking
Commercial/ Corporate Banking Targeted segmental growth aimed at optimizing overall yield. Portfolio mix incl Cr Substitutes (Jun-25) Portfolio incl Cr Substitutes (₹ in cr) Q1 FY26, CoB*, 22% Q1 FY25, CoB* CIB* 1,14,440 CoB*, 19% 1,13,145 1,04,966 1,07,494 1,08,213 Q1 FY25, Q1 FY26, CIB*, 81% CIB*,
Slide 18: Asset Book – Trend Analysis
Asset Book – Trend Analysis Asset Book Transformation – Focused Rebalancing in Play 3.1% 1.6% 3.2% 1.7% Credit Cards* 3,850 Gross 19% Gross advances YoY growth (INRcr) 41.5% Jun-24 53.6% Advances 43.4% Jun-25 51.9% Share Personal Loans* 3,737 -5% Gross advances YoY growth (INRcr) Small Business loan
Slide 19: Select high/medium margin lending products
Select high/medium margin lending products Disbursements: CV / CE Credit Cards 613 ₹cr ✓ Tie-up with all major OEMs (Q1 FY26) 3,850 Avg. Spends per Card for quarter is Portfolio (₹ in cr) 4,644 4,858 PSL: 3,550 YoY Portfolio (₹ in cr) YoY 3,728 3,240 19% at par with 30% 80% industry: QoQ QoQ 8% Card
Slide 20: Rating distribution
Rating distribution Rating distribution (CIB) Rating distribution (advances excluding CIB) External rating of CIB advances Internal rating of advances excluding CIB 14% Q1 FY26 2% 17% 10% 8% 1% Q1 FY26 5% Q4 FY25 5% 15% 31% 16% 31% 74% 74% Q4 FY25 17% 18% A & Above BBB <BBB OTHERS 31% Internal Ratin
Slide 21: Fee income / other income
Fee income / other income Diversified and granular fee income ₹ in Cr Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 QoQ YoY Loan processing fee 174 193 181 177 155 -12% -11% Cards 191 208 208 215 208 -3% 9% Para banking 46 74 62 87 73 -16% 59% Banking commissions & exchanges 72 75 77 81 84 4% 17% General
Slide 22: Capital position
Capital position Comfortably capitalized with a self-funded growth model. ₹ in Cr Mar-25 Jun-25 Risk weighted assets Credit risk 1,89,923 1,92,594 Market risk 2,696 2,903 Operational risk 17,484 20,619 Total RWA 2,10,103 2,16,116 Tier-I capital funds 31,593 31,737 Tier-II capital funds 2,867 2,896 T
Slide 23: Distribution: Deriving efficiency from footprint
Distribution: Deriving efficiency from footprint Continuous investment in expanding Pan India footprint 1 Jun-25 Jun-24 Jun-25 1 14% 17% Banking 1,591 40 14% 17% 1,518 3 4 Outlets# 33 27 2 ATMs/ 2,094 Mar-25 2,041 15 36 17 20% 20% Recyclers* 11 3 3 49% LITE BRANCH 67 18 10 36 2 2 49% HEAVY DISTRIBUT
Slide 24: Innovation through partnerships
Innovation through partnerships Liability Instant Digital Partners Loans EMIs and Credit Merchant Cards Payments Gold Loan and Cross Border Priority remittance Lending partners Support Systems 23
Slide 25: Growth through partnerships
Growth through partnerships Partners Business Share in FY’26 Key metrics1 Cards Issued: ENR: 1.06 1.27 Co-branded 1.00 1.00 1.00 1.10 1.00 1.01 0.99 0.98 credit cards 67% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Card programs under CUG3 TD Balance CASA Balance: 3% 1.16 1
Slide 26: Digitization as a Multiplier
Digitization as a Multiplier 654 Edu. Institutions 352 HUMAN AT THE CORE Feddy is Live on onboarded to Fee RPA Process collection Solution “Careerbook” 93% running Approx 9 Lakh transactions queries answered Serviced by Feddy in this Digitally (Retail 22K ₹ cr + Corporate) 790 quarter Retail Mobile
Slide 27: Major Initiatives
Major Initiatives Digitization as a Multiplier Consistent first-mover in leveraging tech for customer impact. FedCorp v3.0 FedMobile v7.1 • Fresh and New User Interface • Enabled UPI Payments • Reset MPIN with Debit Card • Simplified app reactivation flow • Introduced Mobile number + Bank Name based
Slide 28: Digital migration
Digital migration Consistent progress on digital adoption across customer base. Branch vs. Digital Transactions (₹ in Lakh)* Corporate Digital Products - Active Users1 94% 52,191 53,203 60 ,00 0 10 00 0 250 93.60% 46,013 90 00 92.57% 50 ,00 0 42,060 44,658 92.04% 92.02% 92% 80 00 200 171 91.61% 162
Slide 29: Digital lending and card spends
Digital lending and card spends Digital Personal Card spends (₹ in Cr)1 Loans 1,50,000 1,6 00 1,95 0 Credit Cards – Market share 1,41,788 1,41,605 1,901 1,380 1,390 4,40 0 1,40,000 1,32,843 1,4 00 1,347 1,90 0 Cards O/s: Spends: 1,30,000 1,24,237 4,20 0 1,201 1.7% 1.3% 1,85 0 1,106 1,2 00 1,20,000 1
Slide 30: Appendix
Appendix FEDERAL BANK YOUR PERFECT BANKING PARTNER
Slide 31: Balance sheet & shareholding pattern
Balance sheet & shareholding pattern ₹ in Cr Mar-25 Jun-25 Share holding pattern (Jun-25) LIABILITIES Capital 491 491 Reserves & surplus 32,929 33,928 Deposits 2,83,647 2,87,436 23% Borrowings 23,726 19,776 35% Other liabilities & provisions 8,289 11,666 TOTAL 3,49,083 3,53,298 2% ASSETS Cash & bala
Slide 32: Financials
Financials ₹ in Cr Q1 FY25 Q4 FY25 Q1 FY26 Q-o-Q Y-o-Y Interest income 6,331 6,648 6,687 1% 6% Interest expenses 4,039 4,271 4,350 2% 8% Net interest income 2,292 2,377 2,337 -2% 2% Other income 915 1,006 1,113 11% 22% Operating expense 1,706 1,918 1,894 -1% 11% Total income 7,246 7,654 7,800 2% 8%
Slide 33: Key Indicators
Key Indicators Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Book Value 123.80 126.86 130.69 134.87 138.35 (Per Share in ₹) Shareholder value EPS 16.60 17.11 15.45 17.02 14.07 (annualized) CASA + Deposits < ₹3Cr Granularity (% of Total Deposits) 80% 80% 82% 81% 82% ROA % 1.27 1.28 1.14 1.24 1.00 Profitabi
Slide 34: Fresh slippages break up
Fresh slippages break up ₹ in cr Fresh slippages NPA Composition Retail Agri BuB CV/CE CoB CIB Q1 FY25 Q4 FY25 Q1 FY26 Business NPA NPA NPA 658 13 Gross NPA 22 Retail 1,723 1,796 1,868 77 Agri/MFI 930 1,100 1,288 486 483 BuB 954 741 768 41 26 CV/CE 59 77 96 417 428 18 19 5 17 37 CoB 620 569 559 33 1
Slide 35: Top Sectors in Advance Portfolio as per Basel 3 Disclosure
Top Sectors in Advance Portfolio as per Basel 3 Disclosure# Infrastructure (Pertaining to Industries 10.31% Sector Only) Industry 30.63% Chemicals and Chemical Products (Dyes, 2.95% Paints, etc.) All Engineering 2.66% Services 28.19% Textiles 2.55% Retail Loans 28.60% Food Processing 2.51% Agricultu
Slide 36: Top 20 concentration as a percentage of portfolio
Top 20 concentration as a percentage of portfolio Top 20 Borrowers & Depositors concentration as a % of total portfolio 10.77 10.89 10.65 10.32 10.11 10.03 8.43 7.93 7.88 7.51 7.43 6.87 7.03 6.66 5.83 5.92 4.81 4.85 ASBA deposits factored in at quarter end Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q
Slide 37: Group companies
Group companies Federal Operations & Services (FedServ) Subsidiary 100% ▪ A wholly owned subsidiary company of Federal Bank ▪ Provides operational & technology-oriented services to Federal Bank ▪ Located at Bangalore, Visakhapatnam, Indore & Kochi ▪ Designed to deliver excellence in service, mitigat
Slide 38: Fedbank Financial Services
Fedbank Financial Services Subsidiaries – Q1FY26 update NPAs Gross NPA and Net NPA stands Disbursals at 2.0% & 1.2%, respectively. ₹5933 Cr disbursed in Q1FY26, reflecting KEY HIGHLIGHTS growth of 18.6% YoY. ❑ 60.97% stake held by Federal Bank Limited ❑ ROA and ROE reported at 2.3% and Low Credit Co
Slide 39: Corporate governance & ESG snapshot
Corporate governance & ESG snapshot Strong & Diverse 10 80% Total Board Independent Strong Board & Diverse Board Members Directors Women Women Focus on Gender 43% 10% Representation Representation diversity in workforce in the Board Cybersecurity Awareness Social Responsibility Governance Structure
Slide 40: Public Commitments
ESG performance snapshot Finance women Public Commitments Grow green portfolio In-house solar power Water conservation Bank Premises to be Gender diversity ratio entrepreneurs – size generation capacity capacity green certified (Women) BC Channel Greater than or Target metric ₹ 13,000 Cr 750kWp 2 La
Slide 41: Award-winning franchise & other initiatives / highlights
Award-winning franchise & other initiatives / highlights Federal Bank has been recognized as the "ESG Champion of India 2025" by Dun & Bradstreet at Dun & Bradstreet ESG Leadership Summit 2025 Federal Bank receives the Infosys Finacle Innovation Awards 2025 for Channel Innovation & Product Innovatio
Slide 42: External ratings
External ratings Fixed Deposit A1+ (Short term) Fixed Deposit AAA Certificate of Deposit A1+ India Ratings Tier 2 (Capital) Bonds & Research Pvt Ltd, IND AA+ CARE AA+ CARE Infrastructure Bonds IND AA+ CARE AA+ Fixed Deposits (short term) and Certificate of Deposits enjoy highest rating in that class
Slide 43: Thank You
Thank You 42