Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Investor Presentation (September 2026)
42 slides from Federal Bank Ltd. (india)'s investor presentation, Sep 8, 2026
Slide 1: Stock exchange intimation letter
Secretarial Department SEC/LODR/209/2026-27 September 8, 2026 National Stock Exchange of India Limited BSE Limited Listing Department, Department of Corporate Services- Listing, Exchange Plaza, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai – 400 001. Mumbai
Slide 2: The Federal Bank Limited Investor Presentation
INVESTOR PRESENTATION The Federal Bank Limited A High-Quality Private Bank Defined by Consistent Execution, Strong Governance, and Predictable Performance September 2026 · Reflecting results for the quarter ended 30 June 2026 (Q1 FY27) This presentation has been prepared by The Federal Bank Limited
Slide 3: A supportive macro backdrop, and a franchise built for India's next phase of growth
A supportive macro backdrop, and a franchise built for India's next phase of growth GROWTH & CREDIT MACRO STABILITY Real GDP growth Inflation ~7% outlook; among the fastest-growing large economies globally, with a 3-year average of ~7.4% Within RBI's tolerance band of 4% ± 2%; FY27 expected inflatio
Slide 4: Federal Bank Overview
Federal Bank Overview A differentiated banking franchise underpinned by deposit strength, prudent underwriting, disciplined risk management and expanding fee-based capabilities, creating sustainable long-term value. 3
Slide 5: Decades of Discipline. A Legacy of Momentum.
Decades of Discipline. A Legacy of Momentum. 1931–1949 1970–1993 1994–2007 2011–2014 2015–2018 2019–2024 2025–Present Building the Expansion to Scale With Wider Banking From The Foundations New Digital Frontiers Familiar, Yet Fresh Institution Connected Banking Access Anywhere Total business of ₹5.7
Slide 6: A 95-year franchise, with diversified group businesses
A 95-year franchise, with diversified group businesses At a glance Group companies - diversifying the franchise Rank Fedbank Financial Services (Fedfina) 60.7% Subsidiary 6th largest private-sector bank in India by balance sheet Retail-asset NBFC (gold loans, mortgages). Q1FY27: AUM ₹21,136 Cr (+34.
Slide 7: A well governed Bank by Distinguished Professionals
A well governed Bank by Distinguished Professionals 70% 23 4 Independent Directors Specialised skill domains mapped across the Board Institutional pedigrees: IAS, RBI, SBI, IIM Bangalore Elias George KVS Manian Siddhartha Sengupta Sudarshan Sen Part-time Chairman & Independent Director Managing Dire
Slide 8: Risk considerations are integral to decision-making, from origination through execution
Risk considerations are integral to decision-making, from origination through execution. Federal Bank’s risk philosophy is embedded in business decisions, with decadal-best asset quality (GNPA 1.52%, NNPA 0.18%) demonstrating the consistent application of this discipline, rather than a one-off outco
Slide 9: Well capitalized, funded by one of the system's most granular deposit bases
Well capitalized, funded by one of the system's most granular deposit bases 16.97% 15.89% 115–120% 82.3% Capital Adequacy Ratio (CRAR), Q1FY27 Tier-1 Capital Ratio, Q1FY27 LCR operating range (100% minimum) Advance-to-Deposit Ratio, Q1FY27 FUNDING PROFILE Capital and funding are both being managed f
Slide 10: A cap table built on institutional and multilateral confidence
A cap table built on institutional and multilateral confidence Federal Bank has no promoter - it is fully publicly held and professionally governed, with a shareholder register dominated by sophisticated institutional capital rather than concentrated family or corporate control. This is itself a gov
Slide 11: Federal Bank: a consistent long-term wealth creator
SHAREHOLDER VALUE CREATION — FIVE-YEAR TOTAL RETURN Federal Bank: a consistent long-term wealth creator 360.6% total shareholder return over five years — 5.5× the Nifty Bank TRI and 6.7× the Nifty Private Bank TRI Five-year cumulative total return (%) · Aug-2021 to Aug-2026 GR O WT H O F ₹ 1 0 0 O V
Slide 12: Project Breakthrough 4.0: the philosophy, structure and evidence behind the programme
Project Breakthrough 4.0: the philosophy, structure and evidence behind the programme Project Breakthrough 4.0, launched in February 2025, is Federal Bank’s current multi-year transformation programme and the fourth chapter in its strategic evolution. It builds on the 31-year ‘Chequered Era’ (1979–2
Slide 13: Twelve engines powering diversified and sustainable growth
Twelve engines powering diversified and sustainable growth NRI / NR Franchise Mid-Market Banking GTS / Transaction Banking Credit Cards A decades-old competitive advantage, built on Becoming the operating bank of choice for Transforming Federal from a lender into a daily Emerging as a powerful monet
Slide 14: Structural strengths underpinning Federal Bank's next phase of value creation
Structural strengths underpinning Federal Bank’s next phase of value creation 01 Record profitability, accelerating into FY27 02 Decadal-best asset quality Q1FY27 net profit of ₹1,177 Cr, up 36.6% YoY - a record on an underlying basis - with NII up GNPA fell to 1.52% and NNPA to 0.18% - the lowest i
Slide 15: Business Overview
Business Overview Focused on profitable growth through deeper customer engagement, expanding fee businesses and disciplined risk management. 14
Slide 16: A comprehensive snapshot - scale, returns, asset quality and franchise reach
A comprehensive snapshot - scale, returns, asset quality and franchise reach ₹5.98 L Cr ₹3.93 L Cr ₹81,721 Cr 19.2 Mn ~18,100 1,650 Total Business Balance Sheet Market Cap Customers Employees Banking Outlets PROFITABILITY & RETURNS - Q1 FY27 ₹1,177 Cr 12.01% 1.22% 3.33% 52.50% ₹19.15 Net Profit, +36
Slide 17: From selling more products to building more valuable customer relationships
From selling more products to building more valuable customer relationships 1 PRIORITY CUSTOMER SEGMENTS Where we are concentrating relationship-led growth Mass Affluent NR Small Business Mid-sized Corporates Deepen savings, investment, cards and Build on a longstanding franchise, trust and Serve th
Slide 18: MSME: Federal Bank's largest opportunity for scalable growth
MSME: Federal Bank’s largest opportunity for scalable growth Why MSME relationships compound value Federal Bank is well positioned to expand participation within MSME ecosystems through its established commercial banking franchise, Credit / lending strong local-market relationships and growing trans
Slide 19: NR Banking: a structural competitive advantage
NR Banking: a structural competitive advantage 20.34% ₹1.05 L Cr MULTI-DECADE 2 Remittance market share FY26 NR deposits, +14% YoY - crossed ₹1 lakh Cr NRI franchise heritage International Rep. Offices (Dubai, Abu Dhabi) Federal Bank possesses one of India's strongest Non-Resident (NR) franchises, b
Slide 20: A large, digitally-enabled distribution footprint spanning India and the GCC
A large, digitally-enabled distribution footprint spanning India and the GCC 1,650 19.2 Mn 94.4% ₹2.08 Lakh Cr FedMobile transaction value crossed this level Banking outlets (Q1FY27) Total customer base (Q1FY27) Digital transaction penetration (Q1FY27) (FY26) Global connectivity supports deeper cust
Slide 21: Wealth & Mass Affluent: unlocking a large retail franchise
Wealth & Mass Affluent: unlocking a large retail franchise ₹7,887 Cr 58,000 ₹35 Cr FedWealth Wealth Management AUM (FY26), +16% New dedicated business vertical launched Active wealth-management customers Wealth fee income (FY26), +32% YoY YoY FY26 WEALTH MASS AFFLUENT Federal Bank possesses a custom
Slide 22: Transaction Banking: the operating-account opportunity
Transaction Banking: the operating-account opportunity +21.7% +23% 50%+ Fee income growth, Q1FY27 YoY Average CASA growth, YoY Digital adoption rate, Supply Chain Finance platform One of the most compelling long-term opportunities for Federal Bank lies in transaction banking and operating-account re
Slide 23: How Federal Bank is executing this strategy
How Federal Bank is executing this strategy 01 02 03 Organising Around Customer Franchises Building a CRM-Led Institution Driving Relationship Depth & Wallet Share Strategic focus centers on customer franchises rather than Executing a technology-led transformation through The liability franchise alr
Slide 24: Reimagining distribution: the Federal Bank way
Reimagining distribution: the Federal Bank way 01 02 03 Branches as Relationship Centres Digital as a Scalable Growth Engine Partnership-Led Distribution As routine transactions migrate to digital channels, branch Digital investment targets penetration and wallet share, not Fintech and ecosystem par
Slide 25: Key Credit Highlights
Key Credit Highlights Built on a foundation of disciplined underwriting and prudent risk management. Consistently strengthening asset quality while maintaining a balanced and diversified portfolio. 24
Slide 26: The Federal Bank credit story: differentiated by fundamentals
The Federal Bank credit story: differentiated by fundamentals A non-resident and remittance franchise no domestic 1 Market-leading asset quality 2 3 Scale and reach peer of comparable size replicates NR deposits US$11.1bn, +14.2%, 32.8% of deposits · 20.34% of India's GNPA 1.52% · NNPA 0.18% · PCR 8
Slide 27: Balance sheet scale is compounding, funded increasingly by granular deposits
Balance sheet scale is compounding, funded increasingly by granular deposits Total Business (₹ Lakh Cr) Total Deposits (₹ Lakh Cr) Net Advances (₹ Lakh Cr) 3.14 3.20 2.77 5.98 2.65 5.79 2.84 2.35 5.18 2.52 2.09 4.62 2.13 1.74 3.87 FY23 FY24 FY25 FY26 Q1FY27 FY23 FY24 FY25 FY26 Q1FY27 FY23 FY24 FY25
Slide 28: One of the best-managed deposit franchises in Indian private banking
One of the best-managed deposit franchises in Indian private banking ₹1,03,163 Cr 32.23% 85% ₹1,05,123 Cr CASA balances, +18% YoY - crossed ₹1 lakh Cr CASA ratio, up 188bps YoY - five consecutive Granular funding: CASA + deposits under ₹3 NR deposits, +14% YoY - also crossed ₹1 lakh for the first ti
Slide 29: A behaviourally sticky deposit base, run with deliberate liquidity discipline
A behaviourally sticky deposit base, run with deliberate liquidity discipline LIQUIDITY COVERAGE RATIO Cost of deposits is falling as the mix improves 5.78% Run lean by design, not by constraint 5.43% Management has deliberately brought the Bank’s LCR down to a 115–120% operating range 5.21% from 13
Slide 30: A deliberately diversified book: Retail at the core, Commercial the fastest-growing engine
A deliberately diversified book: Retail at the core, Commercial the fastest- growing engine 53% Retail Book ₹1,48,064 Cr 11% Commercial ₹30,638 Cr 36% Corporate ₹99,763 Cr ₹2,78,466 Cr +11% YoY +25% YoY +14% YoY Net Customer Assets (Jun-26), +13.4% YoY Net Customer Assets mix, Jun-26 - eight compone
Slide 31: Asset mix offers significant headroom for higher-yielding growth
Asset mix offers significant headroom for higher-yielding growth Portfolio mix: advances vs interest income What the mix is telling us NET ADVANCES SHARE INTEREST INCOME SHARE Medium-yielding franchise is already expanding 01 45.5% of advances and 47.7% of interest income; share increased 200 bps an
Slide 32: Fee income: a significant, relationship-driven growth opportunity
Fee income: a significant, relationship-driven growth opportunity +21.7% +32% Broad-based fee opportunity Increasing wallet share across transaction, wealth and payment Fee income growth, Q1FY27 YoY Wealth management fee income growth, FY26 YoY relationships As industry fee pools evolve and traditio
Slide 33: Record quarterly profitability, with margin and efficiency both improving
Record quarterly profitability, with margin and efficiency both improving Net Interest Income - recent quarterly trend (₹ Cr) Q1 FY27 (Quarter ended 30 June 2026) 3,173 Net Profit ₹1,177 Cr +36.6% YoY 2,946 2,367 2,400 2,337 Net Interest Income ₹2,946 Cr +26.1% YoY Operating Profit ₹1,897 Cr record
Slide 34: Decadal-best asset quality, improving every quarter for the past year
Decadal-best asset quality, improving every quarter for the past year 87.4% 0.18% 4 50–60bps Provision Coverage Ratio, Q1FY27 Net NPA - decadal low. Close to best in industry Consecutive quarters of improvement Through-the-cycle credit cost target GNPA (%) NNPA (%) Fresh Slippages (₹ Cr) Credit Cost
Slide 35: A credible, independently-rated ESG programme, embedded in core business
A credible, independently-rated ESG programme, embedded in core business 78 / Leader AA (Founding Member) ESG Champion 2025 NSE ESG Rating, FY2025 Indian Green Building Council Dun & Bradstreet ESG Leadership Summit ENVIRONMENT SOCIAL GOVERNANCE 21 LEED/IGBC-certified premises, housing 29% of the 14
Slide 36: Explicit ESG targets, tracked and disclosed against actual FY26 progress
Explicit ESG targets, tracked and disclosed against actual FY26 progress TARGET FY26 PROGRESS Grow Green Portfolio ₹10,489 Cr reached, across renewable energy, electric mobility, green ₹15,000 Cr by March 2030 buildings and resource-efficient sectors TARGET FY26 PROGRESS In-house Solar Generation 75
Slide 37: Digital, technology and people - independently validated leadership
Digital, technology and people - independently validated leadership DIGITAL BANKING, PAYMENTS & TECHNOLOGY PEOPLE, LEARNING & WORKPLACE Financial Express BrandWagon ACE Awards 2025 Infosys Finacle Innovation Awards 2025 Platinum: Channel Innovation (AI Virtual Assistant Feddy); Platinum: Product Exc
Slide 38: Risk, governance, sustainability and brand - recognised across the board
Risk, governance, sustainability and brand - recognised across the board RISK, GOVERNANCE & CONTROL ENVIRONMENT SUSTAINABILITY, BRAND & CORPORATE REPORTING Institute of Internal Auditors India Nat'l Conference 2026 Indian Green Building Council (IGBC) Founding Member; Platinum Certification, Federal
Slide 39: Financial Summary
Financial Summary Strengthening profitability through disciplined execution and balanced growth. Supported by a resilient balance sheet, diversified earnings streams and strong capital position. 38
Slide 40: Profit & Loss Statement
Profit & Loss Statement ₹ in Cr FY25 FY26 Q1 FY26 Q1 FY27 Interest income 26,365 27,696 6,687 7,238 Interest expenses 16,897 17,038 4,350 4,292 Net interest income 9,467 10,658 2,337 2,946 Other income 3,801 4,440 1,113 1,048 Operating expense 7,168 7,892 1,894 2,097 Total income 30,166 32,136 7,800
Slide 41: Balance Sheet
Balance Sheet ₹ in Cr FY25 FY26 Q1FY26 Q1FY27 LIABILITIES Capital 491 493 491 494 Share warrants subscription – 1,549 – 1,549 Reserves & surplus 32,929 36,663 33,928 38,023 Deposits 2,83,647 3,13,909 2,87,436 3,20,118 Borrowings 23,726 21,159 19,776 18,166 Other liabilities & provisions 8,289 13,748
Slide 42: Federal Bank - a franchise compounding with discipline
Federal Bank - a franchise compounding with discipline • Record profitability: Q1 FY27 net profit grew 36.6% YoY, with NIM expanding 39 bps and cost-to-income improving 239 bps YoY. • Strong risk discipline: Slippages remain well controlled, with no RBI disclosure-level divergence in asset classific
The Federal Bank — Investor Presentation (September 2026) on 6ix