Investor Presentation - Q1 FY 27

AI summary - Q1 FY27 net profit ₹1,177 Cr, +37% y-y; net interest income ₹2,946 Cr, +26% y-y - ROA annualized 1.22%, ROE 12.01%, NIM 3.33%, cost-to-income ratio improved to 52.5% - Advances grew 15% y-y to ₹2.77 Lakh Cr; deposits up 11% y-y to ₹3.20 Lakh Cr with CASA ratio at 32.23% - Credit cost reduced to 41 bps; gross NPA at 1.52%, net NPA at 0.18%, PCR improved to 87.37% - Digital transactions share above 94%; strong growth in retail loans, gold loans, and credit cards - Capital adequacy ratio at 16.97%, Tier-I at 15.89%, supporting growth with no near-term capital need - Subsidiary Fedbank Financial Services AUM up 34.7% y-y to ₹21,136 Cr; credit cost at 0.8% - ESG focus with 41% women workforce, 10% women board representation, and green portfolio targets - S&P assigned inaugural international issuer credit ratings BBB-/Stable long-term, A-3 short-term