Investor Presentaiton

Rapid Asset Growth with continuous focus on Core Segment & Retail Growth ++ ESAF 8,415 ESAF SMALL FINANCE BANK Joy of Banking As of September 30, 2023, ESAF SFB had over 7.51 mn customers with Micro Loans, the majority of whom were women Gross Advances have grown rapidly (* Crs) Continued focus on Micro Loans segment with Increased Retail Diversification 0.1% 2.6% 4.2% 3.7% 4.9% 4.3% 4.7% 4.7% 11.4% 11.9% 15,123 +79.7% 16.0% 17.0% 14,118 12,131 84.8% 81.2% 75.0% 73.5% Mar-21 Mar-22 Mar-23 Sep-23 Mar-21 Mar-22 Mar-23 Agricultural Loans MSME & loans to financial institutions Sep-23 Retail Loans Micro Loans 21

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