Investor Presentaiton

Experienced Management Team ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking Supported by a highly experienced team of qualified & experienced professionals Ravimohan Periyakavil Ramakrishnan Part time Chairman & Non-Executive Independent Director 。 Bachelor's and master's degree in science from Kerala University, master's degree in business administration from Birmingham University and; certified associate of Indian Institute of Bankers (IIB) o Previously employed as a chief general manager in the department of banking supervision of the Reserve Bank of India o Has also held the position of a resident advisor, financial sector supervision, International Monetary Fund, AFRITAC South, Mauritius Name & Designation George Kalaparambil John Executive Vice President - IT and Operations George Thomas Executive Vice President- Corporate Services Hari Velloor Executive Vice President - Network 1 South Hemant Kumar Tamta Executive Vice President - Network 2 Rest of India Kadambelil Paul Thomas Managing Director and Chief Executive Officer 。 Master's degree in business administration from Annamalai University 。 Served as the founder secretary cum honorary executive director of Evangelical Social Action Forum for over 25 years and was the chairman and managing director of ESAF Financial Holdings Limited 。 Has also served as a director on the board of Sanma Garments Private Limited, Rhema Dairy Products India Private Limited, Rhema Milk Producer Company Limited, CEDAR Livelihood Services Private Limited (Formerly Cedar Agri Solutions Private Limited), etc. 。 Presently, serves as the president of Kerala Association of Microfinance Institutions Entrepreneurs Gireesh C.P. Chief Financial Officer Ranjith Raj P Company Secretary & Compliance Officer E A Jacob Head-Vigilance and Chief Vigilance Officer Sivakumar P Head Internal Audit Wilson Cyriac Head Risk Management and Chief Risk Officer Sudev Kumar V Head Compliance and Chief Compliance Officer О О о O O оо оо оо Education Master's degree in social work from Pune University Master's degree in business administration (Fintech) from Birla Institute of Technology & Science, Pilani Master's degree of science in ecology & environment from Prior Associations General manager - operations of ESAF Financial Holdings Private Limited o Senior agriculture officer (assistant director agriculture) - Department of Agriculture Development & Farmer's Welfare о Senior vice president - HDFC Bank Sikkim Manipal University Bachelor's degree in arts (history) from University of Delhi, Master's degree in arts (political science) from Madurai Kamaraj University Bachelor's degree in law from University of Delhi Course in banking and finance from NIBM, Pune Bachelor's degree in science from Mahatma Gandhi university Fellow member of ICAI and certified associate of IIB Bachelor's degree in commerce from Calicut University o Company secretary and associate of ICSI ○ Bachelor's degree in science from Kerala University 00 O O ○ Bachelor's degree in commerce from Madras University Certified associate of IIB Master's degree in economics from Kerala University Certified associate of IIB Master's degree in science (horticulture) from Kerala Agriculture University Executive director - Bank of Maharashtra o General manager - Canara Bank о CFO at South Indian Bank o Company secretary of ESAF Financial Holdings Private Limited o Deputy general manager in the audit department of South Indian Bank o General manager (internal audit) of State Bank of India o Executive vice president - head risk and chief risk officer at Federal Bank Limited о Canara Bank 27

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