Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Q2 FY2027 Earnings Presentation
43 slides from Federal Bank Ltd. (india)'s earnings presentation, Oct 16, 2026
Slide 1: Exchange cover letter: Investor Presentation
Secretarial Department SEC/LODR/261/2026-27 October 16, 2026 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, Mumba
Slide 2: Investor Information Q2 FY2027
Investor Information Q2 FY2027
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 contents
Table of contents Pages 01 Key highlights 02 Business parameters 03 Distribution strategy and digital journey 04 Appendix 3
Slide 5: Record Core Earnings on a Strengthening Balance Sheet
Record Core Earnings on a Strengthening Balance Sheet Highest Ever Decadal Best Net Profit Other Income Fee to Asset Gross NPA Net NPA 1,386 Cr 1,490 Cr 1.11% 1.32% 0.17% YoY comparison ROA ROE EPS BVPS 1.32 % 13.57 % ₹ 22.26 ₹ 166.32 KEY 1.09 % 11.01 % ₹ 15.42 ₹ 141.58 HIGHLIGHTS NIM Cost to Income
Slide 6: Robust Balance Sheet Growth
Robust Balance Sheet Growth DEPOSITS ADVANCES RETURN METRICS Retail Deposits1: (₹ in cr) Net Advances: (₹ in cr) Profitability: RoE* (%) RoA* (%) 13.69 13.57 2,40,411 2,48,546 YoY growth: 16% 2,77,498 2,98,226 2,14,242 QoQ growth: 3% 2,44,657 YoY growth: 22% QoQ growth: 7% 12.01 11.68 12.47 11.01 (E
Slide 7: Key P&L Parameters
Key P&L Parameters (₹ in cr) Net Interest Income Fee Income & Non-Fee Income 1,490 3,173 3,153 2,946 323 2,653 1,100 1,145 2,495 1,082 1,048 2,717 154 197 204 91 (Excl one off) 1,168 886 896 991 957 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Fee Income Non-Fee In
Slide 8: Key Ratios
Key Ratios Cost of Deposits, Cost of Funds, Net Interest Margin (%)* Cost to Income Ratio (%) Yield on Net Advances (%) 3.74 3.33 3.32 54.04 53.92 52.50 52.08 8.99 3.06 3.18 8.85 8.77 8.73 8.70 47.28 3.20 (Excl one off) 5.61 5.50 5.46 5.25 5.21 5.57 5.48 5.43 5.21 5.18 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY2
Slide 9: Stable Credit Metrics
Stable Credit Metrics GNPA (%) NNPA (%) PCR (%)1 1.83 1.72 87.37 1.62 0.48 87.07 86.78 1.52 1.32 0.42 75.14 0.20 0.18 73.45 0.17 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Slippage Rate (%)* Credit Cost (%)* Risk Adjusted N
Slide 10: Asset Quality Trends
Asset Quality Trends (₹ in cr) Std Restructured Ac Net NPA Broad resilience in asset quality; portfolio remains well-contained. 1,255 1,040 Provision Coverage Ratio 529 at 86.78% 2,027 1,427 506 492 1,083 1,027 947 Q4 FY24 Q4 FY25 Q4 FY26 Q1 FY27 Q2 FY27 Recovery & Upgradation of ₹ 220 Cr in Q2 Move
Slide 11: Comparison: Y-o-Y
Comparison: Y-o-Y (₹ in cr) Retail* BuB* CVCE* COB* Customer 25 Assets 18% 12% 22% % Net Customer Gold* Agri & Allied* 4,995 -> 6,081 Micro Advances* 26,129 -> 32,780 67,600 -> 79,714 19,058 -> 21,419 Assets CIB* 20% 37% 3% 7% 17 250,857 -> 300,875 % 32,264 -> 44,242 7,840 -> 8,065 3,661 -> 3,908 89
Slide 12: Comparison: Q-o-Q
Comparison: Q-o-Q (₹ in cr) Retail* BuB* CVCE* COB* Customer Assets 15% 4% 7% 7% Micro Net Customer Gold* Agri & Allied* Advances* 30,638 -> 32,780 69,098 -> 79,714 19,929 -> 21,419 5,826 -> 6,081 Assets CIB* 8% 7% 1% 4% 5% 278,466 -> 300,875 41,476 -> 44,242 7,981 -> 8,065 3,756 -> 3,908 99,761 ->
Slide 13: Liability Trends
Liability Trends Deposits : Period End (₹ in cr) CA, SA & CASA End Period and CASA ratio (₹ in cr) CASA + Deposits < 3Cr Other CA SA XX CASA Ratio (%) 32.04 32.94 32.23 3,42,694 32.07 1,09,803 31.01 1,03,390 1,03,163 3,13,909 3,20,118 YoY growth: 19% 2,97,796 95,498 2,88,920 89,591 YoY growth: 84% 8
Slide 14: Credit Portfolio Distribution
Credit Portfolio Distribution Net Customer Assets (₹ in cr) Yield on Advances (%) Retail Book* Commercial* Corporate* 3,00,875 2,68,798 2,78,466 2,62,372 2,50,857 YoY growth: 21% 8.99 1,63,429 1,44,029 1,48,066 1,35,417 1,39,762 8.73 8.70 29,114 30,638 32,780 YoY growth: 25% 26,129 27,422 89,312 95,
Slide 15: Advances Portfolio
Advances Portfolio Loan Book by Interest Rate Type(%) (Retail, Gold & SME)* as % of Loan Book (₹ in cr) EBM 45% 3,50,000.00 65.0% 64.0% 3,00,000.00 Fixed 63.0% 33% 2,50,000.00 62.0% 61.2% 2,00,000.00 61.0% 60.1% 60.0% Others 59.8% 14% MCLR 1,50,000.00 60.0% 8% 59.3% 59.0% 1,00,000.00 58.0% MCLR Spli
Slide 16: Retail Banking
Retail Banking Retail Book (₹ in cr) Retail Book Mix (Sep-26) 3,908 3,813 3,756 6,081 CV/CE* Micro Adv* 3,702 5,826 8,065 3,661 Agri* 4% 2% 5,287 5,737 7,981 21,419 4,995 7,955 7,916 5% 7,840 19,929 19,743 19,636 19,058 44,242 38,347 41,476 BuB* 32,264 35,168 13% 69,098 79,714 Retail* 67,600 67,907
Slide 17: Commercial/ Corporate Banking
Commercial/ Corporate Banking Portfolio Mix incl Cr Substitutes (Sep-26) Q2 FY27 Non-Retail Book (₹ in cr) 24% Commercial* Corporate* 23% 1,37,446 Q1 FY26 1,30,399 77% 1,22,610 1,24,769 1,15,441 76% Commercial* 1,04,666 YoY growth: 17% Corporate* 95,655 99,761 89,312 95,188 32,780 Wholesale Banking
Slide 18: Asset Book – Trend Analysis
Asset Book – Trend Analysis 3.0% 1.3% 2.9% 1.5% Yield wise Net Advances Growth (YoY) 22% 23% Net Sep-25 51.7% Advances Sep-26 50.8% 43.8% 17% 44.9% Share 7% V High High Medium Low 4.3% 3.4% 4.6% 3.5% Very High Yielding Micro Advances Medium Yielding Low Yielding Int 44.6% Core Agri | CoB Housing 45.
Slide 19: Select High/Medium Yielding Lending Products
Select High/Medium Yielding Lending Products Disbursements: CV / CE 850 ₹cr Credit Cards (Q2 FY27) PSL: 4,801 Portfolio (₹ in cr) Portfolio (₹ in cr) 5,826 6,081 YoY 4,501 YoY 4,995 3,743 Cards Issued - Qtr: 22% 84% 28% QoQ QoQ 3.67 4% Avg. ticket size: 7% Lakhs Q2 FY26 Q1 FY27 Q2 FY27 ₹ 28L Q2 FY26
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% Q2 FY27 1% 21% 9% 1% Q2 FY27 4% 7% Q1 FY27 14% 4% 15% 71% 38%35% 76% Q1 FY27 17%16% A & Above BBB <BBB OTHERS 29% 28% Internal Rati
Slide 21: Broad-Based Fee Momentum
Broad-Based Fee Momentum Diversified and Granular Fee Income ₹ in Cr Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 QoQ YoY Commissions & Exchanges 98 94 100 103 104 1% 6% Insurance distribution income 108 94 123 100 146 46% 35% Processing fees & Other charges from loans 190 212 226 188 246 31% 29% Other s
Slide 22: Capital Position
Capital Position ₹ in Cr Jun-26 Sep-26 Risk weighted assets Credit risk 2,13,848 2,22,612 Market risk 3,478 3,802 Operational risk 24,308 24,308 Total RWA 2,41,635 2,50,722 Tier-I capital funds 38,402 39,503 Tier-II capital funds 2,612 2,713 Total capital funds 41,015 42,216 CRAR 16.97% 16.84% Tier-
Slide 23: Distribution: Deriving Efficiency from Footprint
Distribution: Deriving Efficiency from Footprint Continuous Investment in expanding Pan India Footprint 1 Sep - 25 Sep - 26 1 40 Banking Outlets# 1,595 1,662 3 4 33 30 2 16 ATMs/Recyclers* 2,082 2,145 37 17 11 3 4 74 2 *Including Cash Recyclers 18 10 40 #Including Extension counters 2 6 2 30 Sep-26
Slide 24: Innovation through Partnerships
Innovation through Partnerships Instant Deposit Digital Partners Loans EMIs and Credit Merchant Cards Payments Gold Loan Cross and Border Priority Remittance Lending Partners Support Support Systems Systems 23
Slide 25: Digital Adoption & Flagship Platforms
Digital Adoption & Flagship Platforms 95% 92% Federal Bank's AI-powered virtual assistant of retail and corporate of corporate transactions transactions serviced digitally serviced digitally FEDDY Re-KYC on WhatsApp FedMobile - Retail FedCorp - Business Periodic KYC via Aadhaar OTP or debit card for
Slide 26: Digitization as a Multiplier: Product Delivery
Digitization Product as a Multiplier Delivery – Q2 FY27 Digital Launches Expand Reach and Deepen Engagement ACQUISITION & ENGAGEMENT PAYMENTS, REMITTANCES & e ₹ Digital account opening at scale UPI Tap & Pay and UPI Help 2.0 Savings and current accounts opened fully digitally via Contactless UPI pay
Slide 27: Digitization as a Multiplier: UPI & Merchant Payments
Digitization Major UPI &Initiatives as a Multiplier Merchant Payments Connected Ecosystems, Stronger Deposits #1 Merchant Ecosystem UPI beneficiary success rate among peer banks* Soundbox YoY POS YoY CareerBook YoY +12% +5% +51% +22% +20% UPI value, YoY UPI volume, YoY devices devices institutions +
Slide 28: Fed DigiTrade – Trade Finance Solution
Fed DigiTrade– Trade Finance Solution Introduced Advance Digital Trade Finance Platform Fed DigiTrade is designed to digitize the end-to-end trade finance journey, enabling customers to seamlessly initiate, track, and manage their trade finance transactions through a secure self-service platform. Fe
Slide 29: Digital Lending and Card Spends
Digital Lending and Card Spends Digital Personal Card spends (₹ in Cr)2 Loans (ETB) 1,70,000 4,00 0 Credit Cards – Market share 4,80 0 14 00 1,341 1,51,736 1,263 Cards O/s: Spends: 4,60 0 1,171 1,182 1,41,764 1,50,000 4,410 12 00 1,106 3,50 0 3.13% 1.90% 1,34,051 1,36,204 1,084 1,30,664 4,40 0 Rank
Slide 30: Appendix
Federal Bank
Slide 31: Balance Sheet & Shareholding Pattern
Balance Sheet & Shareholding Pattern ₹ in Cr Jun-26 Sep-26 Share holding pattern (Sep-26)* LIABILITIES Capital 494 495 Share warrants subscription 1,549 1,549 Reserves & surplus 38,023 39,178 Deposits 3,20,118 3,42,694 33% 37% Borrowings 18,167 24,632 Other liabilities & provisions 15,027 18,379 TOT
Slide 32: Financials
Financials ₹ in Cr Q2 FY26 Q1 FY27 Q2 FY27 Q-o-Q Y-o-Y Interest income 6,742 7,238 7,721 7% 15% Interest expenses 4,247 4,292 4,568 6% 8% Net interest income 2,495 2,946 3,153 7% 26% Other income 1,082 1,048 1,490 42% 38% Operating expense 1,933 2,097 2,418 15% 25% Total income 7,824 8,287 9,211 11%
Slide 33: Key Indicators
Key Indicators Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Book Value 141.58 145.76 157.00 161.87 166.32 (Per Share in ₹) Shareholder value EPS (annualized) 15.42 16.79 20.73 19.15 22.26 CASA + Deposits < ₹3Cr 83% 84% 85% 85% 81% Granularity (% of Total Deposits) ROA % 1.09 1.15 1.36 1.22 1.32 Profitabi
Slide 34: Fresh Slippages Break-up
Fresh Slippages Break-up Fresh slippages Retail Agri/MFI BuB CV/CE CoB CIB 700 NPA Composition ₹ in cr 650 600 579 Q2 FY26 Q1 FY27 Q2 FY27 23 550 Business NPA NPA NPA 48 500 23 474 Gross NPA 450 60 435 35 12 420 10 409 Retail 1,583 1,513 1,401 13 11 400 16 24 51 68 4 22 53 Agri/MFI 1,378 1,349 1,271
Slide 35: Top Sectors in Advance Portfolio - Basel 3 Disclosure
Top Sectors in Advance Portfolio - Basel 3 Disclosure# Infrastructure (Pertaining to Industries 9.41% Sector Only) Industry 30.63% All Engineering 2.95% Chemicals and Chemical Products Retail Loans 29.59% 2.66% (Dyes, Paints, etc.) Basic Metal and Metal Products 2.54% Services 28.41% Food Processing
Slide 36: Top 20 Concentration as a Percentage of Portfolio
Top 20 Concentration as a Percentage of Portfolio Improving granularity across Borrower and Depositor base 10.11 8.43 7.93 7.88 7.43 7.38 7.09 7.09 6.83 6.83 5.92 5.47 5.4 4.81 4.85 4.82 4.55 4.45 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 % Top 20 Borrowers % Top 20 Depositors 3
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 Q2 FY27 - Subsidiaries Update NPAs Gross NPA and Net NPA stands at Disbursals 1.8% & 1.2%, respectively. ₹6,676 Cr disbursed in Q2 FY27, reflecting growth of 28% YoY. KEY HIGHLIGHTS ❑ 60.6% stake held by Federal Bank Limited ❑ ROA and ROE reported at 2.8% and 17.0%, respec
Slide 39: Corporate Governance & ESG snapshot
Corporate Governance & ESG snapshot 10 60% Strong &&Diverse Board Strong Total Board Independent Diverse Board Members Directors 40% 10% Women Women Focus on Representation Representation Gender diversity in workforce in the Board Cybersecurity Awareness Social Responsibility Governance Structure ‘T
Slide 40: ESG Performance Snapshot: Public Commitments
ESG Performance Snapshot In-house solar Water Finance women Public Commitments Grow green Bank Premises to Gender diversity power generation conservation entrepreneurs – portfolio size be green certified ratio (Women) capacity capacity BC Channel Target Greater than or ₹ 13,000 Cr 750kWp 2 Lakh Litr
Slide 41: Award-winning franchise & other initiatives / highlights
Award-winning franchise & other initiatives / highlights Launched Loan Expanded secured digital lending offerings Savings Account Against Mutual with the launch of Loan Against Mutual Banking Through WhatsApp Instant, paperless Opening via Feddy Funds (LAMF) Funds (LAMF). savings account opening on
Slide 42: External ratings
External ratings Fixed Deposit A1+ (Short term) Fixed Deposit AAA Certificate of Deposit A1+ Tier 2 (Capital) Bonds IND AA+ CARE AA+ India Ratings & Research Pvt Ltd, Infrastructure Bonds CARE and IND AA+ CARE AA+ S&P Global Ratings ‘BBB-’ - Long Term (Stable) Global Rating ‘A-3’ – Short Term 41
Slide 43: Thank You
Thank You