Federal Bank Ltd. (india) · NSE:FEDERALBNK
Federal Bank Ltd. (india) — The Federal Bank — Q4 FY2026 Earnings Presentation
48 slides from Federal Bank Ltd. (india)'s earnings presentation, Apr 29, 2026
Slide 1: Exchange filing cover letter: Investor Presentation
Secretarial Department SEC/LODR/31/2026-27 April 29, 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 Q4 FY2026
Investor Information Q4 FY2026
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 - 13 02 Business parameters 14 - 23 03 Distribution strategy and digital journey 24 - 32 04 Appendix 33 - 46 3
Slide 5: Best Ever!
FY26 Q4 FY26 Best Ever! CASA Net Interest Net Interest ₹ 1,03,390 Cr Income Income Crosses 1 lakh Cr for the first time! ₹ 3,173 crs ₹ 10,657 crs GNPA | NNPA 1.62 | 0.20 Operating Profit Operating Profit Fee to Assets ₹ 2,276 crs ₹ 7,206 crs 1.07% NR Deposit Net Profit ₹ 1,02,620 Cr Net Profit ₹ 1,2
Slide 6: Operating fundamentals remain strong and steady
Operating fundamentals remain strong and steady xx | xx ( excl one off) ROA ROE EPS BVPS KEY 1.36 % | 1.24% 13.69 % | 12.47% ₹ 20.73 | ₹18.85 ₹ 157 HIGHLIGHTS NIM Cost to Income Credit Cost Net Profit FOR 3.74% | 3.20% 47.28% | 52.86% 118 bps | 47 bps ₹1259 Cr | ₹1145 Cr Q4 FY26 Balance Sheet Slippa
Slide 7: Operating performance excluding one offs
Operating performance excluding one offs Excluding one off NII (₹ in Cr) NIM (%) Net Profit (₹ in Cr) 3.74 1,259 3,173 1,145 2,717 3.18 1,041 2,653 3.06 3.20 2,495 2.94 955 2,337 862 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 RoE (%) Credit cost (
Slide 8: Federal 4.0 anchored in profitability and prudence
Federal 4.0 anchored in profitability and prudence DEPOSITS ADVANCES PROFITABILITY (₹ in cr) (₹ in cr) CASA + Dep < 3 Cr Customer Assets1 & Net Advances Profitability: RoE* (%) RoA* (%) 2,72,532 13.69 2,65,722 2,67,121 2,47,605 2,50,355 2,55,569 2,64,594 2,30,152 2,34,836 12.82 12.47 (Excl one off)
Slide 9: Key P&L parameters
Key P&L parameters (₹ in cr) Net interest income Fee Income & Other income 1,113 1,145 1,082 1,100 3,173 1,006 154 2,653 197 204 2,495 326 2,377 2,717 205 2,337 (Excl one off) 991 886 896 800 786 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Fee Income Non-Fee Other
Slide 10: Key ratios
Key ratios Improving Profitability and Efficiency Trends Cost of deposits, Cost of funds, Net interest margin (%)* Cost to income ratio (%) Yield on advances (%) 3.74 9.31 9.04 8.86 3.12 3.18 56.69 54.89 8.74 8.65 2.94 3.06 54.04 53.92 3.20 (Excl one off) 47.28 52.86 6.06 5.85 5.61 5.50 5.46 (Excl o
Slide 11: Improving Credit Metrics
Improving Credit Metrics GNPA (%) NNPA (%) PCR (%)1 0.48 0.48 87.07 1.84 1.91 1.83 0.44 1.72 0.42 1.62 75.37 74.41 75.14 0.20 73.45 76.55 (Excl one off) 0.37 (Excl one off) Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Slippag
Slide 12: Asset quality trends
Asset quality trends (₹ in cr) Std Restructured Ac Net NPA Broad resilience in asset quality continues 1,205 1,255 1,040 Provision Coverage Ratio at 87.07% 2,830 1,068 2,027 529 1,427 1,140 1,083 Q4 FY23 Q4 FY24 Q4 FY25 Q3 FY26 Q4 FY26 Recovery & Upgradation of ₹ 273 Cr in Q4 Movement of NPA (₹ in c
Slide 13: Comparison: Y-o-Y
CASA Strength, Fee Momentum, and Comparison: Y-o-Y Improving Asset Quality Drive Performance (₹ in cr) Retail* BuB* CVCE* COB* 1% 6% 25% Micro 26% Customer Gold* Agri & Allied*4,644 -> 5,797 Advances* CIB* 69,335 -> 70,118 18,963 -> 20,196 23,723 -> 29,846 Assets 26% 3% 6% 8% 30,505 -> 38,401 8,208
Slide 14: Comparison: Q-o-Q
Operational Strength Sustained; Higher Comparison: Q-o-Q CASA, NII and Fee Income Drive Performance (₹ in cr) Retail* BuB* CVCE* COB* -1% 1% 8% 6% Micro Customer Gold* Agri & Allied*5,343 -> 5,797 Advances* CIB* 69,129 -> 70,118 20,381 -> 20,196 28,177 -> 29,846 Assets -0.2 % 0.4 9% 7% % 35,221 -> 3
Slide 15: Liability trends
Sustained Deposit Momentum; Healthy CASA Growth Liability trends Strategies supported by able on-ground execution Deposits : Period End (₹ in cr) CA, SA & CASA End Period and CASA ratio (₹ in cr) CASA + Deposits < 3Cr Other CA SA XX CASA Ratio (%) 32.94 3,13,909 32.07 2,97,796 30.23 1,03,390 2,83,64
Slide 16: Credit portfolio distribution
Credit portfolio distribution Customer Assets (₹ in cr) Yield on advances (%) Retail Book* Commercial* Corporate* 2,65,722 2,72,532 2,54,208 9.31 2,47,605 2,49,139 YoY growth: 9% 1,42,602 1,47,319 1,35,768 1,36,578 1,38,212 8.74 8.65 26,747 28,177 29,846 YoY growth: 26% 23,723 25,028 88,115 87,534 8
Slide 17: Advances Portfolio
Stable and Diversified Loan Portfolio Advances Portfolio with Strong Retail–SME Contribution Loan book by interest rate type(%) (Retail, Gold & SME)* as % of loan book (₹ in cr) EBM 46% 3,00,000 62.0% 61.8% 61.8% Fixed 2,50,000 34% 61.5% 61.6% 2,00,000 61.4% Others 12% MCLR 1,50,000 61.2% 8% 61.1% 6
Slide 18: Retail Banking
Disciplined growth sustained despite Retail Banking intense rate competition in segment Retail book (₹ in cr) Retail book mix (Mar-26) 4,064 4,360 4,112 3,939 4,023 5,797 5,343 CV/CE* MFI* 4,644 4,858 5,048 8,464 8,448 8,208 8,240 8,349 Agri* 4% 3% 20,381 20,196 18,963 19,194 19,632 6% 31,262 32,323
Slide 19: Commercial/ Corporate Banking
Focused Expansion with Commercial/ Corporate Banking Improved Mix & Cross-selling Portfolio mix incl Cr Substitutes (Mar-26) Q4 FY26 Non-Retail Book (₹ in cr) 24% 23% Commercial* Corporate* 1,23,120 1,25,213 1,15,996 Q3 FY26 1,11,838 1,12,562 77% 76% 95,367 YoY growth: 8% 89,249 94,943 Commercial* 8
Slide 20: Asset Book – Trend Analysis
Asset Book Transformation – Asset Book – Trend Analysis Focused Rebalancing in Play 3.1% 1.6% 3.0% 1.7% Credit Cards* 4,368 Gross 23% Gross advances YoY growth 43.1% Mar-25 52.2% Advances Mar-26 49.8% (INRcr) Share 45.5% Personal Loans* 3,782 -0.2% Gross advances YoY growth (INRcr) MSME loans (BuB+C
Slide 21: Select high/medium yielding lending products
Select high/medium yielding lending products Disbursements: CV / CE 962 ₹cr Credit Cards (Q4 FY26) PSL: 4,368 Portfolio (₹ in cr) Portfolio (₹ in cr) 5,343 5,797 YoY 4,270 YoY 4,644 3,550 Cards Issued - Qtr: 25% 82% 23% QoQ QoQ 3.64 8% Avg. ticket size: 2% Lakhs Q4 FY25 Q3 FY26 Q4 FY26 ₹ 28L Q4 FY25
Slide 22: 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 14% 1% 19% 9% Q4 FY26 4% 8% 1% Q3 FY26 15% 4% 34% 15% 32% 72% 76% Q3 FY26 1
Slide 23: Broad-based fee momentum
Broad-based fee momentum Diversified and granular fee income ₹ in Cr Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 QoQ YoY Commissions & Exchanges 89 91 98 94 100 6% 12% Insurance distribution income 78 65 108 94 123 31% 58% Processing fees & Other charges from loans 177 155 190 212 226 7% 28% Other servi
Slide 24: Capital position
Strong Capital Position Supporting a Capital position Self-Funded Growth Strategy ₹ in Cr Dec-25 Mar-26 Risk weighted assets Credit risk 2,03,887 2,07,011 Market risk 3,346 3,496 Operational risk 20,619 20,619 Total RWA 2,27,852 2,31,126 Tier-I capital funds 31,642 36,814 Tier-II capital funds 3,002
Slide 25: Distribution: Deriving efficiency from footprint
Distribution: Deriving efficiency from footprint Continuous investment in expanding Pan India footprint 1 Mar-26 Mar-25 Mar-26 1 15% 17% 40 14% 18% 3 4 Banking 1,587 1,640 Outlets# 33 30 2 15 Dec-25 ATMs/ 36 17 20% 2,054 2,112 20% Recyclers* 11 3 4 49% 71 2 49% 18 10 37 2 Driven by alternate channel
Slide 26: 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 25
Slide 27: Growth through partnerships
Growth through partnerships Partners Business Share in FY’26 Key metrics1 Active Cards ENR: 1.90 1.21 1.19 1.21 1.62 Co-branded 1.08 1.28 credit cards 1.00 1.15 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 CASA Balance: Deposit 1.00 1.02 1.02 1.01 0.87 1.
Slide 28: Digitization as a Multiplier
Digitization as a Multiplier HUMAN AT THE CORE Feddy is Live on 740 Feddy handled Edu. Institutions 386 onboarded to Fee collection 93.73% RPA Processes approximately 11 lakh customer queries during Transactions running the quarter, marking a Solution Serviced 14% quarter-on-quarter “Careerbook” Dig
Slide 29: Digitization as a Multiplier: Major Initiatives
Digitization Major as a Multiplier Initiatives Current Account Opening Platform (Federal 24 7) Unified Credit Card Module Our DIY, fully paperless digital platform for We implemented a unified credit card management current account onboarding was launched platform covering the complete lifecycle of
Slide 30: Major Initiatives
Major Initiatives Features Launched on FedMobile: Driving Digital Adoption National Pension Fund NRO Account Opening across Wholesale Customers End-to-end NPS capabilities A fully digital NRO account opening SEBI registered UPI ASBA Sponsor Bank allowing customers to digitally journey was enabled on
Slide 31: Digital Migration
Digital Migration Branch vs. Digital Transactions (in Lakhs) 250 94.00% 93.81% 93.73% 208.74 202.48 189.90 93.50% 200 161.80 161.30 93.28% 93.00% 150 92.57% 92.50% 100 92.02% 92.00% 50 91.50% 14.26 12.90 13.68 13.36 13.96 - 91.00% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Transactions through Branch (Lakhs
Slide 32: Major Initiatives
Major Initiatives Major Initiatives We have developed a best-in-class UPI acquiring stack that enables us deliver cutting edge, customized solutions across UPI 2.0 capabilities Supports all major use cases, typically FedOne Payments FedOne Collection Hub required by industries such as NBFCs, Mutual
Slide 33: Digital lending and card spends
Digital lending and card spends Digital Personal Card spends (₹ in Cr)2 Loans (ETB)1 1,50,000 15 00 Credit Cards – Market share 1,41,788 1,41,605 3,30 0 1,36,204 4,40 0 1,40,000 1,34,051 Cards O/s: Spends: 1,30,664 13 00 1,171 1,182 3,10 0 1,129 1,106 1,084 2.64% 1.68% 1,30,000 4,20 0 11 00 2,90 0 2
Slide 34: Appendix
Federal Bank
Slide 35: Balance sheet & shareholding pattern
Balance sheet & shareholding pattern ₹ in Cr Dec-25 Mar-26 Share holding pattern (Mar-26) LIABILITIES Capital 492 493 Share warrants subscription money 1,549 22% Reserves & surplus 35,591 36,663 Deposits 2,97,796 3,13,909 38% Borrowings 16,331 21,159 Other liabilities & provisions 16,481 13,748 2% T
Slide 36: Financials
Financials ₹ in Cr Q4 FY25 Q3 FY26 Q4 FY26 Q-o-Q Y-o-Y Interest income 6,648 6,868 7,399 8% 11% Interest expenses 4,271 4,215 4,226 0.3% -1% Net interest income 2,377 2,653 3,173 20% 33% Other income 1,006 1,100 1,145 4% 14% Operating expense 1,918 2,024 2,041 1% 6% Total income 7,654 7,968 8,544 7%
Slide 37: Key Indicators
Key Indicators Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Book Value 134.87 138.35 141.58 145.76 157.00 (Per Share in ₹) Shareholder value EPS (annualized) 17.02 14.07 15.42 16.79 20.73 CASA + Deposits < ₹3Cr 81% 82% 83% 84% 85% Granularity (% of Total Deposits) ROA % 1.24 1.00 1.09 1.15 1.36 Profitabi
Slide 38: Fresh slippages break up
Fresh slippages break up Fresh slippages Retail Agri BuB CV/CE CoB CIB NPA Composition ₹ in cr 700 658 Q4 FY25 Q3 FY26 Q4 FY26 650 13 3 Business NPA NPA NPA 22 600 579 Gross NPA 77 23 Retail 1,796 1,534 1,503 550 48 Agri/MFI 1,100 1,406 1,414 500 483 23 474 0 BuB 741 741 708 26 450 18 60 435 35 5 12
Slide 39: Top Sectors in Advance Portfolio - Basel 3 Disclosure
Top Sectors in Advance Portfolio - Basel 3 Disclosure# Infrastructure (Pertaining to Industries 9.90% Sector Only) Industry 30.22% All Engineering 2.80% Textiles 2.57% Retail Loans 30.00% Chemicals and Chemical Products (Dyes, 2.54% Paints, etc.) Services 27.76% Food Processing 2.54% Basic Metal and
Slide 40: Top 20 concentration as a percentage of portfolio
Top 20 concentration as a percentage of portfolio Improving granularity across Borrower and Depositor base 10.32 10.03 10.11 8.43 7.93 7.88 7.51 7.43 7.38 7.03 7.09 6.83 5.92 5.47 5.4 4.81 4.85 4.82 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 % Top 20 Borrowers % Top 20 Depositors
Slide 41: 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 42: Fedbank Financial Services Subsidiaries – Q4FY26 update
Fedbank Financial Services Subsidiaries – Q4FY26 update NPAs Gross NPA and Net NPA stands at Disbursals 1.9% & 1.3%, respectively. ₹11,665 Cr disbursed in Q4 FY26, reflecting growth of 109.1% YoY. KEY HIGHLIGHTS ❑ 60.8% stake held by Federal Bank Limited ❑ ROA and ROE reported at 2.6% and 14.0%, res
Slide 43: Corporate Governance & ESG snapshot
Corporate Governance & ESG snapshot 10 70% Strong &&Diverse Board Strong Total Board Independent Diverse Board Members Directors 42% 9% Women Women Focus on Representation Representation Gender diversity in workforce in the Board Cybersecurity Awareness Social Responsibility Governance Structure ‘Tw
Slide 44: 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 45: Other initiatives / highlights
Other initiatives / highlights Federal Bank – Kochi Marathon Federal Bank – Hyderabad Soldierthon The 4th Federal Bank Kochi Marathon 2026 was The Federal Bank Hyderabad Soldierathon 2026, held delivered with strong participation, reinforcing Golconda, marked Hyderabad’s first Soldierathon our leade
Slide 46: Award-winning franchise
Award-winning franchise 15th Forbes India Leadership Awards 2026 FedWealth Product Launch The 15th Forbes India Leadership Awards 2026, presented Federal Bank officially launched FedWealth, the wealth by Federal Bank, was held on March 24, 2026, in Mumbai, management platform, a key milestone in our
Slide 47: External ratings
Fixed Deposits (short term) and Certificate of External ratings Deposits enjoy highest rating in that class 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+
Slide 48: Thank You
Thank You