Investor Presentation

Investor Presentation - Q2 FY27 - Net profit rose 18% QoQ to ₹1,386 Cr and 45% YoY - Net interest income up 7% QoQ and 26% YoY to ₹3,153 Cr - Advances grew 7% QoQ and 16% YoY; deposits up 7% QoQ and 19% YoY - Asset quality improved: Gross NPA down to 1.32%, Net NPA 0.17%, PCR 86.78% - ROA at 1.32%, ROE at 13.57%, NIM steady at 3.32%, cost-to-income ratio improved to 52.08% - Digital transactions and fee income showed strong growth - Capital adequacy ratio at 16.84%, Tier-I at 15.76% - Retail advances and gold loans grew 7-11% QoQ - Subsidiary Fedbank Financial Services reported 28% YoY disbursal growth - ESG initiatives ongoing with targets for green portfolio and gender diversity