The Federal Bank Limited — PPTs, 29-04-2026: Investor Presentation

**Business Performance:** Federal Bank delivered a strong Q4 FY26 with Net Interest Income at ₹3,173 Cr and Net Profit at ₹1,259 Cr (up 21% QoQ). Full-year Net Profit reached ₹4,117 Cr. Deposits grew robustly, with CASA crossing ₹100,000 Cr for the first time to ₹103,390 Cr, and total deposits at ₹313,909 Cr. Loan diversification saw Gold loans (+9% QoQ) and Micro Advances (+7% QoQ) contributing well. Asset quality improved significantly, with Net NPAs at 0.20% and an 87.07% Provision Coverage Ratio. RoA stood at 1.36%.

**Growth Drivers/Strategy:** Growth is fueled by strong deposit momentum and strategic diversification of the loan portfolio towards retail and SME. Digitalization via new platforms and partnerships is a key multiplier for customer experience and efficiency.

**Recent Developments:** Key launches include 'Federal 24/7' for paperless current account opening, a unified credit card platform, and 'FedWealth' (digital investment platform). The bank also became a SEBI-registered UPI ASBA Sponsor Bank.

**Management Outlook:** Management noted strong operating fundamentals, expecting continued NII growth exceeding balance sheet expansion. The focus remains on asset book transformation and leveraging digital channels for profitable expansion.