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Robust Funding Profile and Healthy Capital Adequacy Deposits growth (* Crs) 17,416 +93.5% 14,666 12,815 9.1% 8,999 % deposits from top 20 largest depositors 15.9% ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking Retail share of deposits (*Crs) 98% 94% 91% 89% 15,485 9.8% 9.9% 13,346 12,046 8,819 Mar-21 Mar-22 Mar-23 Sep-23 Mar-21 Mar-22 Mar-23 Sep-23 Mar-21 Mar-22 Mar-23 Sep-23 Capital Adequacy 24.2% 2.7% 18.6% 19.8% 1.7% 20.6% 2.4% 2.4% 21.5% 16.2% 18.1% 18.2% Mar-21 Mar-22 Tier-2 capital Mar-23 Tier-1 capital Sep-23 * Annualized Cost of Funds 7.6% 7.0% 6.3% 6.2% Mar-21 Mar-22 Mar-23 Sep-23* 1 Cost of average borrowings, which is a non-GAAP financial measure, represents the ratio of interest expended on borrowings to average borrowings calculated on the basis of the average of the opening balance at the start of the relevant fiscal year and the closing balance as at the quarterend for all quarters in the relevant fiscal year. All of the borrowings are interest-bearing. 2Cost of Funds, which is a non-GAAP measure, is the ratio of interest expended to Average Total Interest-Bearing Liabilities. Average Total Interest-Bearing Liabilities are total interest-bearing liabilities (comprising demand deposits, savings bank deposits, term deposits and borrowings) calculated on the basis of the average of the opening balance at the start of the relevant fiscal year/period and the closing balance as at quarter end for all quarters in the relevant fiscal year/period. +75.6% 22

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