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1st Quarter Results

23rd Jul 2026 07:49

RNS Number : 5629N

Federal Bank Ltd (The)

23 July 2026

Secretarial Department

SD/LSE/145/2026-27 23.07.2026

The London Stock Exchange

10 Paternoster Square

London

Dear Sir,

We enclose herewith the Un-Audited Standalone and Consolidated Financial Results of the Bank for the quarter ended June 30, 2026, which was approved at the Bank's Board of Directors meeting held July 17, 2026.

Kindly take the same on your record.

For The Federal Bank Limited

Samir P Rajdev

Company Secretary

M S K A & Associates	Suri & Co
602, Floor 6, Raheja Titanium	Guna Complex, No.443 & 445,
Western Express Highway, Geetanjali,	4th Floor Main Building,
Railway Colony, Ram Nagar, Goregaon (E),	Anna Salai, Teynampet,
Mumbai 400 063.	Chennai 600 018.

Independent Auditor's Review Report on unaudited standalone financial results for the quarter ended June 30, 2026 of The Federal Bank Limited pursuant to the Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended.

The Board of Directors of

The Federal Bank Limited

1. We have reviewed the accompanying statement of unaudited standalone financial results of The Federal Bank Limited ('the Bank') for the quarter ended June 30, 2026 ('the Statement') attached herewith, being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended ('the Listing Regulations') except for the disclosures relating to Pillar 3 as at June 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in the Note 7 to the Statement and have not been reviewed by us.

2. This Statement, which is the responsibility of the Bank's Management and approved by the Bank's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 'Interim Financial Reporting' ('AS 25') prescribed under section 133 of the Companies Act, 2013 ('the Act') read with relevant rules issued thereunder, in so far as they apply to the Banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines, directions issued by the Reserve Bank of India ('the RBI') from time to time ('the RBI Guidelines') and other recognized accounting principles generally accepted in India and in compliance with the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review.

3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review consists of making inquiries primarily of persons responsible for financial and accounting matters and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing under section 143(10) of the Act and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion.

4. Based on our review, conducted and procedures performed, as stated in paragraph 3 above, nothing has come to our attention that causes us to believe that the accompanying Statement prepared in accordance with the recognition and measurement principles laid down in AS 25, prescribed under Section 133 of the Act read with relevant rules issued thereunder, the RBI Guidelines and other accounting principles generally accepted in India has not disclosed the information required to be disclosed in terms of the Listing Regulations, including the manner in which it is to be disclosed or that it contains material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters, except for the disclosures relating to Pillar 3 disclosures as at June 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in the Note 7 to the Statement and have not been reviewed by us.

For M S K A & Associates LLP (Formerly Known as M S K A & Associates)	For Suri & Co Chartered Accountants
Chartered Accountants	ICAI Firm Registration Number: 004283S
ICAI Firm Registration Number: 105047W/W101187




Prateek Khandelwal	Sanjeev Aditya M
Partner	Partner
Membership Number: 139144	Membership Number: 229694
UDIN: 26139144YWXNBD5289	UDIN: 26229694VNXKMW1827
July 17, 2026 Mumbai	July 17, 2026 Mumbai

M S K A & Associates	Suri & Co
602, Floor 6, Raheja Titanium	Guna Complex, No.443 & 445,
Western Express Highway, Geetanjali,	4th Floor Main Building,
Railway Colony, Ram Nagar, Goregaon (E),	Anna Salai, Teynampet,
Mumbai 400 063.	Chennai 600 018.

Independent Auditor's Review Report on unaudited consolidated financial results for the quarter ended June 30, 2026 of The Federal Bank Limited pursuant to the Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended.

The Board of Directors of

The Federal Bank Limited

1. We have reviewed the accompanying statement of unaudited consolidated financial results of The Federal Bank Limited ('the Bank') and its subsidiaries (the Bank and its subsidiaries together referred to as 'the Group'), its share of the net profit after tax of its associate for the quarter ended June 30, 2026 ('the Statement'), being submitted by the Bank pursuant to the requirement of Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ('the Listing Regulations') except for the disclosures relating to Pillar 3 as at June 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 6 of the Statement and have not been reviewed by us.

2. This Statement, which is the responsibility of the Bank's Management and approved by the Bank's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 'Interim Financial Reporting'('AS 25'), prescribed under Section 133 of the Companies Act, 2013 ('the Act') read with relevant rules thereunder, in so far as they apply to the Bank, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India ('the RBI') from time to time ('the RBI Guidelines') and other recognized accounting principles generally accepted in India and in compliance with the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review.

3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 'Review of Interim Financial Information Performed by the Independent Auditor of the Entity', issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under section 143(10) of the Act, and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion.

We also performed procedures in accordance with the circular issued by the Securities and Exchange Board of India under Regulation 33(8) of the Listing Regulations, as amended, to the extent applicable.

4. The Statement includes the financial results of the Bank and the following entities:

Sr. No	Name of the Entity	Relationship with the Bank
a	Fedbank Financial Services Limited	Subsidiary
b	Federal Operations and Services Limited	Subsidiary
c	Ageas Federal Life Insurance Company Limited	Associate

5. Based on our review conducted and procedures performed as stated in paragraph 3 above and based on the consideration of the review reports of other auditors referred to in paragraph 6 below and based on the financial result certified by the Management as state in paragraph 7 below, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in AS 25 prescribed under Section 133 of the Act read with relevant rules issued thereunder, the RBI Guidelines and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Listing Regulations, including the manner in which it is to be disclosed or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters except for the disclosures relating to Pillar 3 as at June 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 6 of the Statement and have not been reviewed by us.

6. We did not review the interim financial results of two subsidiaries included in the statement, whose interim financial results reflect total revenues of Rs. 72,047 lakhs and total net profit after tax of Rs. 12,070 lakhs for the quarter ended June 30, 2026, as considered in the Statement. These interim financial results have been reviewed by other auditors whose reports have been furnished to us by the Bank's Management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries, is based solely on the reports of the other auditors and the procedures performed by us as stated in paragraph 3 above.

7. The Statement also includes the Group's share of net profit after tax of Rs. 488 lakhs for the quarter ended June 30, 2026, as considered in the Statement, in respect of its associate, based on its interim financial result which have not been reviewed by its auditor. This interim financial result has been furnished to us by the Bank's Management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of its associate, is based solely on such Management prepared unaudited interim financial results. According to the information and explanations given to us by the Bank's Management, this interim financial results is not material to the Group.

Our conclusion on the Statement is not modified in respect of the matters mentioned in paragraphs 6 and 7 above.

For M S K A & Associates LLP (Formerly known as M S K A & Associates)	For Suri & Co Chartered Accountants
Chartered Accountants	ICAI Firm Registration Number: 004283S
ICAI Firm Registration Number: 105047W/W101187

Prateek Khandelwal	Sanjeev Aditya M
Partner	Partner
Membership Number: 139144	Membership Number: 229694
UDIN: 26139144MNFOXS4754	UDIN: 26229694RGMXNP4831
July 17, 2026 Mumbai	July 17, 2026 Mumbai

THE FEDERAL BANK LIMITED

REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101

(CIN: L65191KL1931PLC000368)

STANDALONE UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2026

(₹ in Lakhs)

Particulars

Quarter ended

Year ended

30.06.2026

31.03.2026

30.06.2025

31.03.2026

Unaudited

Audited(Refer Note13 below)

Unaudited

Audited

1. Interest earned (a)+(b)+(c)+(d)

7,23,831

7,39,909

6,68,663

27,69,538

(a)

Interest/discount on advances/bills

5,75,641

5,52,959

5,32,289

21,70,995

(b)

Income on investments

1,33,917

1,25,431

1,13,462

4,77,017

(c)

Interest on balances with Reserve Bank of India and other inter bank funds

8,837

10,308

15,063

45,833

(d)

Others

5,436

51,211

7,849

75,693

2. Other income (Refer note 4)

1,04,838

1,14,495

1,11,298

4,44,039

3. TOTAL INCOME (1+2)

8,28,669

8,54,404

7,79,961

32,13,577

4. Interest expended

4,29,242

4,22,648

4,34,980

17,03,797

5. Operating expenses (i)+(ii)

2,09,694

2,04,115

1,89,352

7,89,160

(i)

Employees cost

92,169

77,570

79,761

3,22,540

(ii)

Other operating expenses

1,17,525

1,26,545

1,09,591

4,66,620

6. TOTAL EXPENDITURE (4+5) (excluding provisions and contingencies)

6,38,936

6,26,763

6,24,332

24,92,957

7. OPERATING PROFIT (3-6) (Profit before provisions and contingencies)

1,89,733

2,27,641

1,55,629

7,20,620

8. Provisions (other than tax) and contingencies

31,771

74,104

40,016

1,83,667

9. Exceptional items

10. Profit from Ordinary Activities before tax (7-8-9)

1,57,962

1,53,537

1,15,613

5,36,953

11. Tax expense

40,269

27,627

29,438

1,25,221

12. Net Profit from Ordinary Activities after tax (10-11)

1,17,693

1,25,910

86,175

4,11,732

13. Extraordinary items (net of tax expense)

14. Net Profit for the period (12-13)

1,17,693

1,25,910

86,175

4,11,732

15. Paid-up Equity Share Capital(Face value ₹ 2/- per Equity Share)

49,361

49,286

49,142

49,286

16. Reserves excluding Revaluation Reserve

36,65,807

17. Analytical Ratios and Other Disclosures:

(i)

Percentage of shares held by Government of India

NIL

(ii)

Capital Adequacy ratio (%) (Refer note 5)

Under Basel III

16.97

17.25

16.03

17.25

(iii)

Earnings per Share (EPS) (in ₹)

(a) Basic EPS (before and after extraordinary items)

4.77*

5.11*

3.51*

16.74

(b) Diluted EPS (before and after extraordinary items)

4.60*

5.05*

3.47*

16.56

(iv)

NPA Ratios

a) Gross NPA

4,28,234

4,33,529

4,66,966

4,33,529

b) Net NPA

50,605

52,925

1,15,764

52,925

c) % of Gross NPA

1.52

1.62

1.91

1.62

d) % of Net NPA

0.18

0.20

0.48

0.20

(v)

Return on Assets (%)

0.30*

0.34*

0.25*

1.15

(vi)

Net Worth

39,95,117

38,69,054

33,99,408

38,69,054

(vii)

Outstanding Redeemable Preference Shares

NIL

(viii)

Capital Redemption Reserve

NIL

(ix)

Debenture Redemption Reserve

NIL

(x)

Debt - Equity Ratio #

0.45

0.55

0.57

0.55

(xi)

Total Debts to Total Assets #

4.62%

5.46%

5.60%

5.46%

(xii)

Operating Margin

22.90%

26.64%

19.95%

22.42%

(xiii)

Net Profit Margin

14.20%

14.74%

11.05%

12.81%

* Not Annualised

# Debt and Total Debts represents Total Borrowings of the Bank

Segment Information@
						(₹ in Lakhs)
Particulars			Quarter ended			Year ended
			30.06.2026	31.03.2026	30.06.2025	31.03.2026
			Unaudited	Audited(Refer Note13 below)	Unaudited	Audited
1) Segment Revenue:
	Treasury		1,49,481	1,48,203	1,93,854	6,68,863
	Corporate/Wholesale Banking		3,32,908	3,08,281	3,10,607	12,29,992
	Retail Banking		8,22,894	8,21,441	7,66,770	31,74,287
	a) Digital Banking		95,075	84,865	83,616	3,36,174
	b) Other Retail Banking		7,27,819	7,36,576	6,83,154	28,38,113
	Other Banking operations		10,779	13,318	7,294	43,250
	Unallocated		576	46,712	278	50,868
	Total Revenue		13,16,638	13,37,955	12,78,803	51,67,260
	Less: Inter Segment Revenue		4,87,969	4,83,551	4,98,842	19,53,683
	Income from Operations		8,28,669	8,54,404	7,79,961	32,13,577
2) Segment Results (net of provisions):
	Treasury		26,109	14,231	38,277	1,15,557
	Corporate/Wholesale Banking		60,870	66,092	48,597	2,38,421
	Retail Banking		61,245	60,778	22,263	1,40,941
	a) Digital Banking		5,404	2,592	2,721	10,096
	b) Other Retail Banking		55,841	58,186	19,542	1,30,845
	Other Banking operations		9,162	11,320	6,198	36,762
	Unallocated		576	1,116	278	5,272
	Profit before tax		1,57,962	1,53,537	1,15,613	5,36,953
3) Segment Assets:
	Treasury		1,02,98,345	1,09,60,306	99,03,289	1,09,60,306
	Corporate/Wholesale Banking		1,34,45,791	1,30,15,453	1,20,50,649	1,30,15,453
	Retail Banking		1,54,24,801	1,45,29,464	1,30,33,422	1,45,29,464
	a) Digital Banking		8,35,158	8,22,508	7,79,886	8,22,508
	b) Other Retail Banking		1,45,89,643	1,37,06,956	1,22,53,536	1,37,06,956
	Other Banking operations		8,470	4,984	4,646	4,984
	Unallocated		1,60,235	2,41,942	3,37,760	2,41,942
	Total		3,93,37,642	3,87,52,149	3,53,29,766	3,87,52,149
4) Segment Liabilities:
	Treasury		32,80,990	36,77,394	33,79,120	36,77,394
	Corporate/Wholesale Banking		45,71,501	43,99,349	39,87,736	43,99,349
	Retail Banking		2,73,58,468	2,66,63,793	2,43,71,697	2,66,63,793
	a) Digital Banking		24,33,839	23,49,518	20,16,844	23,49,518
	b) Other Retail Banking		2,49,24,629	2,43,14,275	2,23,54,853	2,43,14,275
	Other Banking operations		31	92	18	92
	Unallocated		1,20,120	1,41,014	1,49,207	1,41,014
	Total		3,53,31,110	3,48,81,642	3,18,87,778	3,48,81,642
5) Capital Employed			40,06,532	38,70,507	34,41,988	38,70,507
6) Total (4 + 5)			3,93,37,642	3,87,52,149	3,53,29,766	3,87,52,149

@	For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking (with Digital Banking and Other Retail Banking as sub-segments) and Other Banking Operations, in compliance with the Reserve Bank of India (RBI) guidelines.The business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting as per Accounting Standard-17, the Bank is considered to operate only in the domestic segment.


	Notes:

1	The above Standalone Unaudited Financial Results for the quarter ended June 30, 2026, were approved by the Board of Directors at its meeting held on July 17, 2026. These financial results have been subjected to limited review by the Joint Statutory Auditors of the Bank and an unmodified review report has been issued thereon.

2	The above Financial Results of the Bank have been prepared in accordance with the provisions of the Banking Regulation Act, 1949, Generally Accepted Accounting Principles in India, including Accounting Standards as specified under Section 133 of the Companies Act, 2013, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, in so far as they apply to the Bank, and the guidelines issued by the RBI.

3	The Bank has applied significant accounting policies in the preparation of these Financial Results, consistent with those followed in the annual financial statements for the year ended March 31, 2026. Any circular / direction issued by the RBI is implemented prospectively when it becomes applicable, unless specifically required otherwise under such circular / direction.

4	Other income includes fees earned from providing services to customers, commission from non-fund-based banking activities, earnings from foreign exchange and derivative transactions, selling of third-party products, profit / loss on sale of investments / fixed assets, profit / loss on revaluation of investments, dividend received from subsidiaries / associate, recoveries from advances written off, etc.

5	The Capital Adequacy Ratio is computed on the basis of the RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes, if any, in the guidelines. During the quarter ended June 30, 2026, the Bank has considered net profit for the quarter as part of the regulatory capital as per extant RBI guidelines.

6	During the quarter ended June 30, 2026, the Bank has allotted 37,56,655 equity shares of ₹ 2 each pursuant to the exercise of stock options by employees.

7	As per the extant RBI guidelines, banks are required to make Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and Net Stable Funding Ratio (NSFR) under the Basel III Capital Regulations. Accordingly, such applicable disclosures have been placed on the website of the Bank, which can be accessed at the following link: https://www.federal.bank.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank.

8	Disclosures as per the 'Reserve Bank of India (Commercial Banks - Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025, and as amended thereafter, for the loans transferred / acquired during the quarter ended June 30, 2026, are given below:
	i) During the quarter ended June 30, 2026, the Bank neither acquired any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) nor transferred any loans not in default or Special Mention Accounts.

	ii) Details of Non-Performing Assets (NPAs) (excluding prudentially written off advances) transferred are given below:
	Particulars			To ARCs	To permitted transferees	To other transferees
	Number of accounts			1	-	-
	Aggregate principal outstanding of loans transferred (₹ in lakhs)			336.66	-	-
	Weighted average residual tenor of the loans transferred (in years)			-	-	-
	Net book value of loans transferred (at the time of transfer) (₹ in lakhs)			-	-	-
	Aggregate consideration (₹ in lakhs)			356.00	-	-
	Additional consideration realized in respect of accounts transferred in earlier years (₹ in lakhs)			-	-	-
	Provisions reversed to the profit and loss account on account of sale of stressed loans (₹ in lakhs)			336.66	-	-

	iii) Details of the recovery ratings assigned to Security Receipts outstanding as on June 30, 2026 are given below:
						(₹ in Lakhs)
	Rating		Recovery Rating		Gross Book Value
	RR1		100%-150%		439.47
	Total				439.47

9	Disclosure as per the 'Reserve Bank of India (Commercial Banks - Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025, and as amended thereafter, on projects under implementation for the quarter ended June 30, 2026, is given below.
	Sl No	Item Description			Number of accounts	Total outstanding(₹ in lakhs)#
	1	Projects under implementation accounts at the beginning of the quarter.			104	2,82,967.95
	2	Projects under implementation accounts sanctioned during the quarter.			2	9,800.00
	3	Projects under implementation accounts where DCCO has been achieved during the quarter.@			25	82,425.15
	4	Projects under implementation accounts at the end of the quarter. (1+2-3)			81	2,10,342.80
	5	Out of '4' - accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked.			32	84,820.08
	5.1	Out of '5' - accounts in respect of which Resolution plan has been implemented.			32	84,820.08
	5.2	Out of '5' - accounts in respect of which Resolution plan is under implementation.			-	-
	5.3	Out of '5' - accounts in respect of which Resolution plan has failed.			-	-
	6	Out of '5', accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked due to change in scope and size of the project.			2	291.41
	7	Out of '5', account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded.			-	-
	7.1	Out of '7', accounts where SBCF was sanctioned during financial closure and renewed continuously.			-	-
	7.2	Out of '7', accounts where SBCF was not presanctioned or renewed continuously.			-	-
	8	Out of '4' - accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has been invoked.			-	-
	8.1	Out of '8' - accounts in respect of which Resolution plan has been implemented.			-	-
	8.2	Out of '8' - accounts in respect of which Resolution plan is under implementation.			-	-
	8.3	Out of '8' - accounts in respect of which Resolution plan has failed.			-	-
	# represents balance outstanding as on June 30, 2026
	@ includes 2 accounts closed during the quarter

10	Disclosure as per the 'Reserve Bank of India (Commercial Banks - Financial Statements : Presentation and Disclosures) Directions, 2025' dated November 28, 2025, and as amended thereafter, on Co-Lending Arrangements (CLAs) on an aggregate basis for the quarter ended June 30, 2026, is given below.
	Sl No	Item Description		As at June 30, 2026
	1	Number of CLA Partners		3
	2	Number of accounts outstanding		67,672
	3	Quantum of CLA (₹ in lakhs)		16,354.72
	4	Weighted average rate of interest (%)		25.94%
	5	Fees charged for the quarter (₹ in lakhs)		381.72
	6	Broad sectors in which CLA was made		Agriculture & Business Loans
	7	Performance of loans under CLA
		- Standard loans (₹ in lakhs)		13,937.22
		- Non-Performing loans (₹ in lakhs)		2,417.50
	8	Details related to default loss guarantee		-

11	During the quarter ended March 31, 2026, the Bank has accounted interest on income tax refund aggregating to ₹ 45,659.75 lakhs, pursuant to favourable orders received for various assessment years. Tax expense during the quarter and year ended March 31, 2026, is net of write-back of provisions no longer required of ₹ 11,451.00 lakhs, pursuant to favourable orders received.

12	During the quarter ended March 31, 2026, the Bank has made a floating provision of ₹ 45,596.00 lakhs for Non-Performing Assets.

13	The figures for the quarter ended March 31, 2026, are the balancing figures between the audited figures in respect of the financial year 2025-26 and the published year to date figures up to December 31, 2025, which were subjected to limited review.

14	Previous period's figures have been regrouped / reclassified, wherever necessary to conform to the current period's classification.

				KRISHNAN VENKAT SUBRAMANIAN
Mumbai				MANAGING DIRECTOR & CEO
July 17, 2026				(DIN: 00031794)

THE FEDERAL BANK LIMITED

REGD.OFFICE: P.B.NO. 103, FEDERAL TOWERS, ALUVA-683101

(CIN: L65191KL1931PLC000368)

CONSOLIDATED UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2026

(₹ in Lakhs)

Particulars

Quarter ended

Year ended

30.06.2026

31.03.2026

30.06.2025

31.03.2026

Unaudited

Audited(Refer Note7 below)

Unaudited

Audited

1. Interest earned (a)+(b)+(c)+(d)

7,86,158

7,94,661

7,15,084

29,67,410

(a)

Interest/discount on advances/bills

6,37,103

6,07,148

5,78,366

23,67,438

(b)

Income on investments

1,34,016

1,25,484

1,13,342

4,76,810

(c)

Interest on balances with Reserve Bank of India and other inter bank funds

8,837

10,308

15,063

45,833

(d)

Others

6,202

51,721

8,313

77,329

2. Other income (Refer note 5)

1,08,153

1,18,586

1,16,449

4,59,832

3. TOTAL INCOME (1+2)

8,94,311

9,13,247

8,31,533

34,27,242

4. Interest expended

4,53,758

4,40,166

4,53,962

17,77,156

5. Operating expenses (i)+(ii)

2,31,129

2,25,557

2,06,867

8,66,664

(i)

Employees cost

1,07,063

93,044

91,028

3,75,565

(ii)

Other operating expenses

1,24,066

1,32,513

1,15,839

4,91,099

6. TOTAL EXPENDITURE (4+5) (excluding provisions and contingencies)

6,84,887

6,65,723

6,60,829

26,43,820

7. OPERATING PROFIT (3-6) (Profit before provisions and contingencies)

2,09,424

2,47,524

1,70,704

7,83,422

8. Provisions (other than tax) and contingencies

35,324

76,167

43,721

1,97,079

9. Exceptional items

10. Profit from Ordinary Activities before tax (7-8-9)

1,74,100

1,71,357

1,26,983

5,86,343

11. Tax expense

44,339

32,032

32,306

1,38,005

12. Net Profit from Ordinary Activities after tax (10-11)

1,29,761

1,39,325

94,677

4,48,338

13. Extraordinary items (net of tax expense)

14. Net Profit for the period (12-13)

1,29,761

1,39,325

94,677

4,48,338

15. Minority interest

4,640

5,135

3,227

14,564

16. Share in Profit / (Loss) of Associates

488

(93)

382

756

17. Consolidated Net Profit of the group (14-15+16)

1,25,609

1,34,097

91,832

4,34,530

18. Paid-up Equity Share Capital(Face value ₹ 2/- per Equity Share)

49,361

49,286

49,142

49,286

19. Reserves excluding Revaluation Reserve

37,99,601

20. Analytical Ratios and Other Disclosures:

(i)

Percentage of shares held by Government of India

NIL

(ii)

Earnings per Share (EPS) (in ₹)

(a) Basic EPS (before and after extraordinary items)

5.09*

5.44*

3.74*

17.67

(b) Diluted EPS (before and after extraordinary items)

4.91*

5.38*

3.70*

17.48

* Not Annualised

Segment Information@

(₹ in Lakhs)

Particulars

Quarter ended

Year ended

30.06.2026

31.03.2026

30.06.2025

31.03.2026

Unaudited

Audited(Refer Note7 below)

Unaudited

Audited

1) Segment Revenue:

Treasury

1,50,471

1,49,080

1,94,717

6,70,418

Corporate/Wholesale Banking

3,30,883

3,06,304

3,08,484

12,22,202

Retail Banking

8,88,741

8,80,348

8,17,234

33,88,652

a) Digital Banking

95,075

84,865

83,616

3,36,174

b) Other Retail Banking

7,93,666

7,95,483

7,33,618

30,52,478

Other Banking operations

11,609

14,354

9,662

48,778

Unallocated

576

46,712

278

50,875

Total Revenue

13,82,280

13,96,798

13,30,375

53,80,925

Less: Inter Segment Revenue

4,87,969

4,83,551

4,98,842

19,53,683

Income from Operations

8,94,311

9,13,247

8,31,533

34,27,242

2) Segment Results (net of provisions):

Treasury

27,678

15,683

39,719

1,19,436

Corporate/Wholesale Banking

60,870

65,997

48,556

2,38,288

Retail Banking

74,984

77,392

30,139

1,85,875

a) Digital Banking

5,404

2,592

2,721

10,096

b) Other Retail Banking

69,580

74,800

27,418

1,75,779

Other Banking operations

9,992

11,169

8,291

37,465

Unallocated

576

1,116

278

5,279

Profit before tax

1,74,100

1,71,357

1,26,983

5,86,343

3) Segment Assets:

Treasury

1,03,11,467

1,09,60,131

98,98,168

1,09,60,131

Corporate/Wholesale Banking

1,33,41,222

1,29,02,856

1,19,48,914

1,29,02,856

Retail Banking

1,71,66,282

1,61,06,301

1,42,67,306

1,61,06,301

a) Digital Banking

8,35,158

8,22,508

7,79,886

8,22,508

b) Other Retail Banking

1,63,31,124

1,52,83,793

1,34,87,420

1,52,83,793

Other Banking operations

8,802

5,169

5,209

5,169

Unallocated

1,53,320

2,33,623

3,29,830

2,33,623

Total

4,09,81,093

4,02,08,080

3,64,49,427

4,02,08,080

4) Segment Liabilities:

Treasury

33,50,036

37,25,814

34,26,143

37,25,814

Corporate/Wholesale Banking

45,65,880

43,84,940

39,80,728

43,84,940

Retail Banking

2,86,91,260

2,78,53,106

2,52,46,718

2,78,53,106

a) Digital Banking

24,33,839

23,49,518

20,16,844

23,49,518

b) Other Retail Banking

2,62,57,421

2,55,03,588

2,32,29,874

2,55,03,588

Other Banking operations

158

292

196

292

Unallocated

1,13,205

1,32,695

1,41,277

1,32,695

Total

3,67,20,539

3,60,96,847

3,27,95,062

3,60,96,847

5) Capital Employed

42,60,554

41,11,233

36,54,365

41,11,233

6) Total (4 + 5)

4,09,81,093

4,02,08,080

3,64,49,427

4,02,08,080

For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking (with Digital Banking and Other Retail Banking as sub-segments) and Other Banking Operations, in compliance with the Reserve Bank of India (RBI) guidelines.The business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting as per Accounting Standard-17, the bank is considered to operate only in the domestic segment.

Notes:

The above Consolidated Unaudited Financial Results for the quarter ended June 30, 2026, were approved by the Board of Directors at its meeting held on July 17, 2026. These financial results have been subjected to limited review by the Joint Statutory Auditors of the Bank and an unmodified review report has been issued thereon.

The above Financial Results of the Group have been prepared in accordance with the provisions of the Banking Regulation Act, 1949, Generally Accepted Accounting Principles in India, including Accounting Standards as specified under Section 133 of the Companies Act, 2013, Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, in so far as they apply to the Group, and the guidelines issued by the RBI.

The Consolidated Financial Results of the Group comprise the financial results of The Federal Bank Limited and its subsidiaries viz. Fedbank Financial Services Limited and Federal Operations and Services Limited and its associate, Ageas Federal Life Insurance Company Limited.

There has been no material change in the significant accounting policies applied in the preparation of these financial results with those followed in the annual financial statements for the year ended March 31, 2026.

Other income includes fees earned from providing services to customers, commission from non-fund-based banking activities, earnings from foreign exchange and derivative transactions, selling of third-party products, profit / loss on sale of investments / fixed assets, profit / loss on revaluation of investments, recoveries from advances written off, etc.

As per the extant RBI guidelines, banks are required to make Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and Net Stable Funding Ratio (NSFR) under the Basel III Capital Regulations. Accordingly, such applicable disclosures have been placed on the website of the Bank, which can be accessed at the following link: https://www.federal.bank.in/regulatory-disclosures. These disclosures have not been subjected to audit or review by the Joint Statutory Auditors of the Bank.

The figures for the quarter ended March 31, 2026 are the balancing figures between the audited figures in respect of the financial year 2025-26 and the published year to date figures up to December 31, 2025, which were subjected to limited review.

Previous period's figures have been regrouped / reclassified, wherever necessary to conform to the current period's classification.

KRISHNAN VENKAT SUBRAMANIAN

Mumbai

MANAGING DIRECTOR & CEO

July 17, 2026

(DIN: 00031794)

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