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I N V E S T O R P R E S E N T A T I O N 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 for institutional investors and analysts and contains forward-looking statements and stated management targets that are subject to risks and uncertainties and are not guarantees of future performance. Figures are drawn from the Bank's public disclosures as cited throughout.

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A supportive macro backdrop, and a franchise built for India's next phase of growth GROWTH & CREDIT Real GDP growth ~7% outlook; among the fastest-growing large economies globally, with a 3-year average of ~7.4% System credit growth Running at approximately 19% YoY across the Indian banking system, well ahead of nominal GDP growth System private-bank asset quality System-wide NPAs at multi-year lows (~1.8%), a favourable backdrop for continued private- bank de-risking Domestic consumption Firm and broad-based, supported by government focus on infrastructure investment and corporate balance-sheet strength MACRO STABILITY Inflation Within RBI's tolerance band of 4% ± 2%; FY27 expected inflation ~5% Fiscal position Government on a path of fiscal consolidation; FY27 fiscal deficit targeted at 4.3% of GDP External position Comfortable current account deficit (~1.5% of GDP for FY27), supported by GCC remittance corridors - directly relevant to Federal Bank's NR franchise FX reserves Healthy reserves of approximately US$707 bn, providing roughly 9 months of import cover; INR may still face headwinds from global events Federal Bank operates within this constructive macro environment as a scaled, well-capitalised private-sector bank, with a franchise oriented toward granular retail, NRI and SME banking rather than concentrated wholesale exposure. Source: General India macroeconomic data as compiled from MOSPI, RBI, Union Budget and CEIC in market/peer investor materials, 2026. 2

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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

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Decades of Discipline. A Legacy of Momentum. 1931–1949 The Foundations Incorporated as Travancore Federal Bank Limited at Nedumpuram near Tiruvalla. Shri K. P. Hormis acquired control in 1945, and the Bank was renamed The Federal Bank Limited in 1949, converting to a full- fledged commercial bank. 1970–1993 Building the Institution Became a Scheduled Commercial Bank in 1970. Established its International Banking Division and became an Authorised Dealer in Foreign Exchange. Computer Department established in 1985 - an early move to technology- led banking. 1994–2007 Expansion to Connected Banking A 1994 public issue opened access to capital markets, followed by the Bank’s first ATM in 1997. First overseas Representative Office opened in Abu Dhabi (2008). A 2:1 bonus share issue was declared in 2004. 2011–2014 Scale With Wider Access In 2013, a 5-for-1 stock split reduced face value from ₹10 to ₹2. The Bank crossed 1,000 branches and ₹1 lakh crore in business - a landmark scale threshold. 2015–2018 New Digital Frontiers 1:1 bonus share issue. Participated in India’s first focused FinTech Accelerator Programme. Established an IFSC Banking Unit at GIFT City. Launched Lotza, marking the Bank’s entry into UPI. 2019–2024 Banking From Anywhere Video-KYC, FedSwagat and Fed e-Remit widened remote and self-service digital capabilities. International-mobile- number UPI for NRE/NRO accounts introduced. QIP and preferential allotment (2023) of ₹958 Cr; total business crossed ₹2.5 lakh crore. 2025–Present Familiar, Yet Fresh Total business of ₹5.79 lakh crore and balance sheet of ₹3.88 lakh crore, with CASA and NRI deposits each surpassing ₹1 lakh crore. Record profit reached ₹4,117 crore, while market capitalization crossed ₹85,000 crore. The Bank completed its brand refresh under the ‘Familiar, Yet Fresh ’ identity, entered the MSCI Index, and secured a commitment from a Blackstone affiliate to invest up to 9.99% through warrants. Source: Federal Bank Integrated Annual Report FY 2025-26 (‘Decades of Discipline. A Legacy of Momentum.’ milestones); company disclosures. 4

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A well governed Bank by Distinguished Professionals 70% Independent Directors 23 Specialised skill domains mapped across the Board 4 Institutional pedigrees: IAS, RBI, SBI, IIM Bangalore Elias George Part-time Chairman & Independent Director Former IAS officer; Additional Chief Secretary, Govt. of Kerala; CEO, Kochi Metro Rail; Senior Partner, KPMG, Harvard Kennedy School. KVS Manian Managing Director & CEO Career banker leading the Bank's strategic transformation, growth and overall franchise development. Siddhartha Sengupta Independent Director Former Deputy Managing Director, State Bank of India; deep expertise in international banking, trade finance and large-bank operations. Sudarshan Sen Independent Director Former Executive Director, Reserve Bank of India (Banking Regulation, Co-op & NBFC Regulation); Chairman, Board Risk Management Committee. Manoj Fadnis Independent Director Chartered Accountant; Past President, ICAI; Chairman, Board Audit Committee; extensive listed- company audit and risk-reporting experience. Sankarshan Basu Independent Director Professor of Quantitative Finance & Risk Management, IIM Bangalore, 19+ years; former board member, Clearing Corporation of India. Varsha Purandare Independent Director Senior banking leadership background; Chairperson, Customer Service, Marketing Strategy & Digital Banking Committee. Ramanand Mundkur Independent Director National Law School of India graduate; 20+ years international legal/consulting Chairman, Stakeholders Relationship Committee. Harsh Dugar Executive Director Overseeing Wholesale Banking and Treasury Venkatraman Venkateswaran Executive Director Overseeing Finance, operations, Technology. Former CFO of the Bank. Governance highlights: Independent Directors constitute 70% of the Board. The Board's composition brings together central bank regulatory experience (RBI), large public-sector bank operating experience (SBI), senior civil-service and infrastructure leadership (IAS), professional audit leadership (ICAI) and academic risk expertise (IIM Bangalore) - a genuinely diversified, high-calibre oversight body spanning 23 mapped specialisations from credit and treasury to law, IT and human resources. Mr. A P Hota retired as Chairman in January 2026 after an eight-year tenure; Mr. Elias George succeeded him in May 2026. Source: Federal Bank Integrated Annual Report FY 2025-26 (Corporate Governance Report); federal.bank.in key-personnel disclosures; public regulatory filings on director appointments. 6

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S H A R E H O L D E R V A L U E C R E A T I O N — F I V E- Y E A R T O T A L R E T U R N 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 360.6% 65.7% 53.7% 37.1% Federal Bank Nifty Bank TRI Nifty Private Bank TRI S&P BSE Sensex† Consistency check — one-year total return (%) 79.8% 8.9% 8.1% 4.8% Federal Bank Nifty Bank TRI Nifty Private Bank TRI S&P BSE Sensex† GROWTH OF ₹100 OVER FIVE YEARS Federal Bank ₹461 Nifty Bank TRI ₹166 Nifty Private Bank TRI ₹154 S&P BSE Sensex† ₹137 Five-year CAGR: Federal Bank 35.7% vs Nifty Bank TRI 10.6% and Nifty Private Bank TRI 9.0% RETURNS ARE EARNINGS -BACKED, NOT RE -RATING ALONE FY26 net profit ₹4,117 Cr best-ever annual result Q1 FY27 net profit ₹1,177 Cr +36.6% YoY Return on equity 12.01% from 10.30% a year earlier EPS (trailing 12m) ₹18.68 P/E 18.5× Strong returns. Consistent execution. Compounding shareholder value. Legend: Federal Bank = total shareholder return (dividend-inclusive) | Nifty Bank TRI, Nifty Private Bank TRI = Total Return Ind ex | †S&P BSE Sensex = price return. Source: NSE Indices Limited factsheets, Nifty Bank and Nifty Private Bank, Total Return Index variant, dated 31 August 2026 ( 1-Year absolute; 5-Year published as CAGR). Federal Bank total shareholder return and S&P BSE Sensex return from Yahoo Finance (dat a provided by Refinitiv), trailing returns as at 27 August 2026. Derived figures: five -year cumulative returns for both Nifty indices are compounded from the published CAGRs (Nifty Bank 10.64%, Nifty Private Bank 8.98%); Federal Bank's 35.7 % CAGR and all ₹100 growth values are calculated from the returns shown. †Sensex is shown on a price -return basis as S&P BSE Sensex TRI is not publicly disclosed, and therefore understates that index by approximately its dividend yield. Federal Bank and Sensex are struck at 27 August 2026, the Nifty indices at 31 August 2026; the four -day difference is not adjusted. Past performance is not indicative of future returns. 10

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Twelve engines powering diversified and sustainable growth NRI / NR Franchise A decades-old competitive advantage, built on enduring customer trust, deep diaspora relationships and a stable deposit base. NR deposits crossed ₹1 lakh Cr; 20.34% of India's personal inward remittances Mid-Market Banking Becoming the operating bank of choice for India's mid-market segment, creating deeper relationships and growing transaction intensity. LAP | Expanding secured lending capabilities across the mid-market segment GTS / Transaction Banking Transforming Federal from a lender into a daily operating partner, strengthening client stickiness while expanding fee income. Supply Chain Finance platform at 50%+ digital adoption. Credit Cards Emerging as a powerful monetisation engine, leveraging a large existing customer base to drive higher yields, fees and engagement. Net advances ₹4,501 Cr, +36% YoY — the fastest-growing product Gold Loans Combining the trust of a longstanding franchise with scalable growth — a secured, granular and increasingly differentiated lending engine. Gold loan book grew 26% in FY26; 15% of net customer assets Liability Franchise The foundation of the model: granular, low-cost and relationship-led rather than rate-led. CASA crossed ₹1 lakh Cr for the first time; granular funding at 85% Wealth Management Converting a large deposit franchise into broader, longer-duration financial relationships. FedWealth launched as a dedicated business vertical in FY26 Commercial Banking Relationship-led lending to enterprises, anchored in operating-account and transaction flows. Commercial Banking advances +25% YoY, the fastest-growing vertical CV / CE Financing A secured, cash-flow-linked engine tied to infrastructure and freight cycles. Scaled to ₹5,826 Cr net advances, +21% YoY Digital Distribution Scaling acquisition and engagement without a proportionate increase in physical cost. Digitally acquired resident savings accounts up over 50% YoY Distribution Expansion Targeted physical expansion into identified growth markets, complementing digital reach. 51 banking outlets added; 1,650 outlets across 26 states and UTs Operating Productivity Redesigning how work is done so branch capacity shifts from processing to relationships. Operation Udaan centralised processing- intensive activities Each engine earns its place either by deepening the customer relationship, improving the funding mix, or converting an existing relationship into fee income — rather than by adding scale for its own sake. Source: Federal Bank relationship-led growth strategy framework (positioning statements, in italics, as articulated by management); Federal Bank Integrated Annual Report FY 2025-26 'Strategy in Action' scorecard and Investor Presentation Q1 FY27 (17 Jul 2026) for the supporting evidence in each card, as reported. 12

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From selling more products to building more valuable customer relationships 1 PRIORITY CUSTOMER SEGMENTS Where we are concentrating relationship-led growth Mass Affluent Deepen savings, investment, cards and protection relationships Higher products per customer NR Build on a longstanding franchise, trust and diaspora connectivity Enduring, difficult-to-replicate franchise Small Business Serve the complete needs of entrepreneurs, beyond lending Granular, relationship-led growth Mid-sized Corporates Become the primary operating bank for India's emerging corporates Higher transaction intensity and wallet share 2 SCALING PRODUCTS AND SERVICES How we are increasing relevance and monetising relationships Transaction Banking Embed Federal Bank into customers' daily operating flows Stickier operating relationships Trade & Forex Capture trade-linked flows, forex income and deeper corporate engagement Flow-led fee income Wealth Convert the deposit franchise into broader financial relationships Greater share of financial wallet Cards Scale a high-yield, fee-rich engagement engine across the existing base Higher engagement, yield and fees 3 CUSTOMER PROFITABILITY ENGINE What connects the segments and the products CRM A unified view of customer relationships, interactions, opportunities and service needs Analytics Data-led identification of next-best products, attrition risk, customer potential and wallet- share opportunities Relationship Management Customer-level ownership and engagement, rather than product-level selling Customer Profitability Success measured through total relationship value, product penetration, fee contribution and longevity “Our focus is moving from selling more products to building more valuable customer relationships — by concentrating on attractive segments, scaling relevant capabilities, and using CRM and analytics to deepen wallet share.” Source: Federal Bank relationship-led growth strategy framework; management strategic priorities. Segment and product priorities as articulated by management; outcomes represent intended strategic results rather than reported figures. 16

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The Federal Bank credit story: differentiated by fundamentals 1 Market-leading asset quality GNPA 1.52% · NNPA 0.18% · PCR 87.37% (ex. technical write-offs) Slippage ratio 0.61% in Q1 FY2027 against 1.11% a year earlier; credit cost 41bps against 65bps, annualised. On net NPA, Federal Bank is the best-positioned across the broader banking landscape; on provision coverage it is ahead of all private-sector banks. 2 A non-resident and remittance franchise no domestic peer of comparable size replicates NR deposits US$11.1bn, +14.2%, 32.8% of deposits · 20.34% of India's personal inward remittances NRE deposits US$10.1bn, up 13%. One in every five rupees of personal remittance entering India passes through Federal Bank — a sticky, rate- insensitive, fee-generating foreign-currency deposit pool, and a natural hedge to a dollar liability. 3 Scale and reach Total assets US$41.4bn · Total business US$63.3bn One of the largest medium-sized private-sector banks scaling in India, comprising US$29.2bn of gross advances and US$33.7bn of deposits, served through 1,650 banking outlets across 26 states and union territories. 4 Earnings inflection that is entirely core, delivered against a treasury headwind Net profit US$124m, +36.6% · Operating profit US$200m, +22% · NII US$310m, +26.1% RoA improved to 1.22% from 1.00% and RoE to 12.01% from 10.30%, with cost-to-income down 239bps to 52.50%. The inflection is driven by core banking income rather than treasury or one-off gains. 5 Granular, low-cost and self-funded CASA +18.3% to US$10.9bn · Average CASA +23% · Ratio +188bps to 32.23% CASA plus retail deposits below ₹3 crore are 85% of total deposits, up from 82%. LDR 86.7%, borrowings 4.62% of total assets and debt-to- equity 0.45x — among the lowest wholesale-funding dependence of any Indian private-sector bank. 6 Secured, granular growth with minimal unsecured exposure Net advances US$29.2bn, +15% · Commercial banking +25% · CV/CE +21% · Corporate +14% Microfinance is ~1% of net customer assets; the retail unsecured book remains <5%. Personal loans grew 6% versus 33% for gold, while housing was held flat, reflecting a calibrated approach to unsecured growth. 7 Well capitalized and marquee investors present CRAR 16.97% · Tier-I 15.89% · Tier-II 1.08% Capital funds of US$4.3bn against RWAs of US$25.4bn, with Tier-I capital rising US$167m through internal accruals while RWAs grew 4.5%. A Blackstone affiliate has committed to acquire up to 9.99% through warrants, with 25% of the consideration already received. 8 ECL transition partially funded ahead of the change Floating NPA provision US$48m · Standard-asset provisions US$136m The floating NPA provision created in Q4 FY2026 as an ECL transition buffer, over and above standard asset provisions, with provisioning built ahead of the regime change to partly mitigate the expected ECL impact. 9 A Differentiated Liability Franchise Avg CASA 23% up YoY · Retail deposits 11% up YoY · NRI deposits ~14% up YoY One of the few banks in India delivering resilience in both CASA and NIMs amid industry-wide compression, demonstrating the effectiveness of our customer franchise and execution strategy. Source: Federal Bank Q1 FY2027 results and investor presentation (quarter ended 30 June 2026); Federal Bank Q4 FY2026 results (floating NPA provision); Fedbank Financial Services Q1 FY2027 disclosures. All figures as reported unless stated. USD amounts are converted from reported INR figures at the prevailing rate and are indicative. Peer comparisons on net NPA, provision coverage and relative credit cost reflect management's assessment against Indian private -sector banks. 25

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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 classification or provisioning, demonstrating consistency in underwriting and risk management. • Best-in-class asset quality: NNPA at just 0.18%, placing Federal Bank among the strongest asset-quality franchises in Indian banking; GNPA at 1.52% has improved consistently for four consecutive quarters. • Sustained asset-quality improvement: Asset quality has continued to strengthen quarter after quarter, with the improvement reflecting a sustained trend rather than a one-off outcome. • Highly granular deposit franchise: 85% of funding is granular, with CASA deposits growing 18% YoY . • Scale with quality: Total business is approaching ₹6 lakh crore, with both CASA and NRI deposits crossing ₹1 lakh crore in FY26.Leading NRI franchise: 20.34% remittance market share, up from 18.42%. • Marquee global capital validation: Blackstone’s ₹6,197 crore investment was approved by shareholders with 99.95% support, reinforcing confidence in the Bank’s franchise and strategy. • Project Breakthrough 4.0 in execution: The multi-year strategic programme is well into execution, with early outcomes increasingly visible in operating performance and progress tracked against defined milestones. This presentation has been prepared by The Federal Bank Limited for institutional investors and credit analysts as part of its ongoing investor engagement programme. It does not constitute an offer or solicitation of any securities. This presentation contains forward-looking statements and stated management targets (including under Project Breakthrough 4.0) that are not guarantees of future performance. Figures are drawn from Federal Bank's Q1 FY27 results and investor presentation, FY26 audited results, the Integrated Annual Report FY 2025-26, S&P Global Ratings' July 2026 release, and other company disclosures a s cited throughout this presentation. The Federal Bank Limited - Investor Presentation - September 2026 41

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