Investor Presentaiton

Cost of Funds decreasing with changing liabilities mix 10,000 11.6% 11.5% 8,000 7,662 6,000 4,000 2,000 6,714 430 12 APR-18 JUN-18 -Deposit - Borrowing -COF 10.9% 10.8% 10.5% 5,653 7,503 J Jana Small Finance Bank 12.0% 9,052 9,652 11.5% 11.0% 10.5% 5,267 4,199 10.0% 9.8% 4,579 9.5% 4,086 9.3% 9.5% 2,536 1,824 3,532 2,899** 2,716* 9.0% 8.9% 1,943 8.5% 1,699$ SEP-18 DEC-18 8.0% MAR-19 JUN-19 SEP-19 DEC-19 MAR-20 *Includes pre-payment of ~Rs. 542 crs in FY20 ** New re-finance from NABARD of Rs. 1,000 crs in Q4-FY 20 and Rs. 200 crs Term Loan $ Borrowings excluding new re-finance and term loan 11

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