Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Q1 FY2027 Earnings Presentation
42 slides from Federal Bank Ltd. (india)'s earnings presentation, Jul 17, 2026
Slide 1: Investor Presentation
Secretarial Department SEC/LODR/133/2026-27 July 17, 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, Mumbai –
Slide 2: Investor Information Q1 FY2027
Investor Information Q1 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 4 - 11 02 Business parameters 12 - 21 03 Distribution strategy and digital journey 22 - 27 04 Appendix 28 - 40 3
Slide 5: Record core earnings on a strengthening balance sheet
Record core earnings* on a strengthening balance sheet Highest Ever* Decadal Best Net Interest Operating Profit Net profit Gross NPA Net NPA Income ₹ 1,897 crs ₹ 1,177 crs 1.52% 0.18% ₹ 2,946 crs ROA ROE EPS BVPS 1.22 % 12.01 % ₹ 19.15 ₹ 161.87 KEY 1.00 % (Q1 FY26) 10.30 % (Q1 FY26) ₹ 14.07 (Q1 FY26
Slide 6: Steady Balance sheet Growth
Steady Balance sheet Growth DEPOSITS ADVANCES PROFITABILITY CASA + Dep < 3 Cr: (₹ in cr) Net Advances: (₹ in cr) Profitability: RoE* (%) RoA* (%) 13.69 2,67,121 2,70,551 2,64,594 2,77,498 2,34,702 YoY growth: 15% 2,41,204 QoQ growth: 1% 12.01 11.68 12.47 YoY growth: 15% 11.01 (Excl one off) QoQ grow
Slide 7: Key P&L Parameters
Key P&L Parameters (₹ in cr) Net Interest Income Fee Income & Other Income 1,113 1,145 3,173 1,082 1,100 2,946 1,048 154 2,653 197 204 91 2,495 326 2,337 2,717 (Excl one off) 991 957 886 896 786 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Fee Income Non-Fee Other
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 54.89 54.04 53.92 3.18 3.33 52.50 9.17 8.99 3.06 8.85 8.77 8.73 2.94 47.28 3.20 (Excl one off) 5.85 5.61 5.50 5.46 5.25 5.78 5.57 5.48 5.43 5.21 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY
Slide 9: Stable Credit Metrics
Stable Credit Metrics GNPA (%) NNPA (%)^ PCR (%)1^ 0.48 0.48 87.07 87.37 1.91 1.83 0.42 1.72 1.62 0.37 1.52 75.14 74.41 73.45 0.18 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Slippage rate (%)* Credit cost (%)* Risk adjusted
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 1,158 Provision Coverage Ratio 529 529 506 at 87.37% 2,027 1,427 1,330 1,083 1,083 1,027 Q4 FY24 Q4 FY25 Q4 FY26 Q1 FY26 Q4 FY26 Q1 FY27 Recovery & Upgradation
Slide 11: Comparison: Y-o-Y
Comparison: Y-o-Y Net profit up 37% on core income growth (₹ in cr) Retail* BuB* CVCE* COB* 2% 7% 21% Micro 25% Net Customer Gold* Agri & Allied*4,813 -> 5,826 Advances* CIB* 67,819 -> 69,084 18,664 -> 19,937 24,471 -> 30,638 Assets 33% 3% 5% 14% 31,203 -> 41,476 7,731 -> 7,981 3,596 -> 3,761 87,337
Slide 12: Comparison: Q-o-Q
Comparison: Q-o-Q NII up 8% sequentially (₹ in cr) Retail* BuB* CVCE* COB* 1% 2% 5% 2% Micro Net Customer Gold* Agri & Allied*5,738 -> 5,826 Advances* CIB* 68,548 -> 69,084 19,642 -> 19,937 29,114 -> 30,638 Assets -2% 8% 1% 4% 38,347 -> 41,476 7,916 -> 7,981 3,835 -> 3,761 95,658 -> 99,763 CASA Aver
Slide 13: Liability trends
Deposits up 11% YoY with granular Liability trends funding at 85% of the book Deposits : Period End (₹ in cr) CA, SA & CASA End Period (₹ in cr) and CASA ratio CASA + Deposits < 3Cr Other CA SA XX CASA Ratio (%) 32.94 32.23 3,13,909 3,20,118 32.07 2,87,436 2,88,920 2,97,796 YoY growth: 11% 30.35 31.
Slide 14: Credit portfolio distribution
Credit portfolio distribution Net Customer Assets (₹ in cr) Yield on advances (%) Retail Book* Commercial* Corporate* 2,68,798 2,78,466 2,62,372 2,45,674 2,50,857 9.17 YoY growth: 11% 1,44,026 1,48,064 1,35,410 1,39,779 1,33,826 8.77 8.73 27,598 29,114 30,638 24,471 26,135 YoY growth: 25% 87,377 89,
Slide 15: Advances Portfolio
Advances Portfolio Loan book by interest rate type(%) (Retail, Gold & SME)* as % of loan book (₹ in cr) EBM 46% 3,00,000 65.0% 64.0% 2,50,000 Fixed 63.0% 34% 2,00,000 61.4% 62.0% 60.9% 61.0% 61.0% Others 1,50,000 61.0% 60.2% 12% MCLR 8% 60.0% 1,00,000 59.0% 50,000 MCLR - MCLR Split 58.0% Overnight M
Slide 16: Retail Banking
Gold and LAP drive retail growth as the mix Retail Banking shifts toward secured, higher-yielding assets Retail book (₹ in cr) Retail book mix (Jun-26) 3,835 3,761 3,565 3,550 3,596 5,738 5,826 CV/CE* Micro Adv* 4,996 5,286 7,916 7,981 4,813 7,946 4% 3% 7,731 7,838 19,937 Agri* 19,820 19,642 18,664
Slide 17: Commercial/ Corporate Banking
Commercial/ Corporate Banking Portfolio mix incl Cr Substitutes (Jun-26) Q1 FY27 Wholesale Book* (₹ in cr) 23% Commercial* Corporate* 23% Q4 FY26 1,24,772 1,30,401 1,22,593 77% 1,11,848 1,15,448 77% YoY growth: 14% 95,658 99,763 Commercial* 89,312 94,994 87,377 Corporate* 24,471 26,135 27,598 29,114
Slide 18: Asset Book – Trend Analysis
Asset Book – Trend Analysis 3.0% 1.4% 2.8% 1.5% Credit Cards* 4,501 36% Net advances Net Advances YoY growth 43.5% Jun-25 52.2% Jun-26 50.1% (INRcr) Share 45.5% Personal Loans* 3,745 6% Net advances YoY growth (INRcr) Small Business loans (BuB+CB) * 50,575 17% Net advances Very High Yielding YoY gro
Slide 19: Select high/medium yielding lending products
Select high/medium yielding lending products Disbursements: CV / CE 643 ₹cr Credit Cards (Q1 FY27) PSL: Portfolio (₹ in cr) Portfolio (₹ in cr) 5,738 5,826 YoY 4,501 YoY 4,098 4,813 Cards Issued - Qtr: 21% 83% 3,313 36% QoQ QoQ 3.97 2% Avg. ticket size: 10% Lakhs Q1 FY26 Q4 FY26 Q1 FY27 ₹ 28L Q1 FY2
Slide 20: Rating distribution
Strong rating mix underpins Rating distribution asset quality stability Rating distribution (CIB) Rating distribution (advances excluding CIB) External rating of CIB advances Internal rating of advances excluding CIB Q4 FY26 21% 14% 1% 1% 9% Q4 FY26 4% 7% Q3 FY26 15% 4% 15% 35% 34% 76% 71% Q3 FY26 1
Slide 21: Broad-based Fee Momentum
Broad-based Fee Momentum Diversified and granular fee income ₹ in Cr Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 QoQ YoY Commissions & Exchanges 91 98 94 100 103 3% 14% Insurance distribution income 65 108 94 123 100 -18% 54% Processing fees & Other charges from loans 155 190 212 226 188 -17% 21% Other
Slide 22: Capital position
CRAR at 16.97% and Tier-I at 15.89%, supporting Capital position growth with no near-term capital requirement ₹ in Cr Mar-26 Jun-26 Risk weighted assets Credit risk 2,07,011 2,13,848 Market risk 3,496 3,478 Operational risk 20,619 24,308 Total RWA 2,31,126 2,41,635 Tier-I capital funds 36,814 38,402
Slide 23: Distribution: Deriving efficiency from footprint
Distribution: Deriving efficiency from footprint Continuous investment in expanding Pan India footprint 1 Jun-25 Jun-26 1 40 4 Banking 3 1,591 1,650 Outlets# 33 30 2 ATMs/ 15 37 17 2,094 2,135 Recyclers* 11 3 4 73 2 18 10 38 *Including Cash Recyclers 2 #Including Extension counters 6 2 30 Jun-26 14%
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: Digitization as a Multiplier
Digitization as a Multiplier Driving Digital Adoption across Wholesale Customers with Collection Hub 94.46% HUMAN AT THE CORE Designed for B2C Businesses to ensure Digital effortless reconciliation and faster Transactions settlements over collections. (Retail + Corporate) 72K(Cr) Corporate Digital W
Slide 26: Major Initiatives
Major Initiatives Government payments EPFO integration in FedNet FASTag ecosystem strengthened capability expansion EPFO payments enabled on FedNet, ➢ Enhanced FASTag capabilities through MLFF pilot Integrated with Bharatkosh, enabling strengthening digital payments rollout, VAHAN-based vehicle data
Slide 27: Digital migration
Digital migration Branch vs. Digital Transactions (in Lakhs) 250 95.00% 202.48 208.74 211.58 189.90 94.46% 94.50% 200 161.30 94.00% 93.81% 93.73% 150 93.50% 93.28% 100 93.00% 92.57% 92.50% 50 12.90 13.68 13.36 13.96 12.30 92.00% - 91.50% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Transactions through Branch
Slide 28: Digital lending and card spends
Digital lending and card spends Digital Personal Card spends (₹ in Cr)2 Loans (ETB)1 1,50,000 4,00 0 Credit Cards – Market share 1,41,605 1,41,764 1,36,204 4,40 0 14 00 1,40,000 1,34,051 Cards O/s: Spends: 1,30,664 1,182 1,171 1,127 1,106 2.85% 2.09% 1,30,000 4,20 0 12 00 3,50 0 1,084 4,009 3,077 1,
Slide 29: Appendix
Federal Bank
Slide 30: Balance sheet & shareholding pattern
Balance sheet & shareholding pattern ₹ in Cr Mar-26 Jun-26 Share holding pattern (Jun-26) LIABILITIES Capital 493 494 Share warrants subscription 1,549 1,549 Reserves & surplus 36,663 38,023 Deposits 3,13,909 3,20,118 33% 37% Borrowings 21,159 18,166 Other liabilities & provisions 13,748 15,026 TOTA
Slide 31: Financials
Financials ₹ in Cr Q1 FY26 Q4 FY26 Q1 FY27 Q-o-Q Y-o-Y Interest income 6,687 7,399 7,238 -2% 8% Interest expenses 4,350 4,226 4,292 2% -1% Net interest income 2,337 3,173 2,946 -7% 26% Other income 1,113 1,145 1,048 -8% -6% Operating expense 1,894 2,041 2,097 3% 11% Total income 7,800 8,544 8,287 -3
Slide 32: Key Indicators
Key Indicators Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Book Value 138.35 141.58 145.76 157.00 161.87 (Per Share in ₹) Shareholder value EPS (annualized) 14.07 15.42 16.79 20.73 19.15 CASA + Deposits < ₹3Cr 82% 83% 84% 85% 85% Granularity (% of Total Deposits) ROA % 1.00 1.09 1.15 1.36 1.22 Profitabi
Slide 33: Fresh slippages break up
Fresh slippages break up Fresh slippages Retail Agri BuB CV/CE CoB CIB 700 658 NPA Composition ₹ in cr 650 3 13 22 600 579 Q1 FY26 Q4 FY26 Q1 FY27 77 23 550 Business NPA NPA NPA 48 500 23 474 Gross NPA 450 60 435 35 10 12 409 Retail 1,868 1,503 1,513 13 400 270 16 51 68 4 22 Agri/MFI 1,288 1,414 1,3
Slide 34: Top Sectors in Advance Portfolio - Basel 3 Disclosure
Top Sectors in Advance Portfolio - Basel 3 Disclosure# Infrastructure (Pertaining to Industries 10.26% Sector Only) Industry 30.99% All Engineering 2.78% Textiles 2.65% Retail Loans 30.62% Food Processing 2.54% Services 27.66% Basic Metal and Metal Products 2.49% Chemicals and Chemical Products Agri
Slide 35: Top 20 concentration as a percentage of portfolio
Top 20 concentration as a percentage of portfolio Improving granularity across Borrower and Depositor base 10.03 10.11 8.43 7.93 7.88 7.51 7.43 7.38 7.09 7.09 6.83 5.92 5.47 5.4 4.81 4.85 4.82 4.55 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 % Top 20 Borrowers % Top 20 Depositors
Slide 36: 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 37: Fedbank Financial Services Subsidiaries – Q1FY27 update
Fedbank Financial Services Subsidiaries – Q1FY27 update NPAs Gross NPA and Net NPA stands at Disbursals 1.6% & 1.0%, respectively. ₹6,760 Cr disbursed in Q1 FY27, reflecting growth of 13.9% YoY. KEY HIGHLIGHTS ❑ 60.7% stake held by Federal Bank Limited ❑ ROA and ROE reported at 2.6% and 15.4%, respe
Slide 38: Corporate Governance & ESG snapshot
Corporate Governance & ESG snapshot 10 70% Strong &&Diverse Board Strong Total Board Independent Diverse Board Members Directors 41% 10% Women Women Focus on Representation Representation Gender diversity in workforce in the Board Cybersecurity Awareness Social Responsibility Governance Structure ‘T
Slide 39: 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 ₹ 15,000 Cr 750kWp 2 Lakh Litr
Slide 40: Award-winning franchise & other initiatives / highlights
Award-winning franchise & other initiatives / highlights Federal Bank wins Sustainability Enterprise Award (Large Category) at KMA Green Palms Sustainability Summit’26 Federal Bank receives Best Software Federal Bank – International Rating Testing Team of the Year (Banking) S&P Global Ratings has as
Slide 41: External ratings
Highest domestic rating, now External ratings benchmarked on the global scale 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-’
Slide 42: Thank You
Thank You