Investor Presentaiton
Extensive Geographical Footprint
ESAF SFB has a large national footprint with presence in 21 states & 2 UT
I
Banking Outlets (Nos.)
++ ESAF
ESAF SMALL FINANCE BANK
Joy of Banking
Reduced Home State Concentration
(% of Gross Advances)
Name of the
State/Union
BOS ATMs
CSC
I
I
Territory
Mar-21
Sep-23
Andhra Pradesh
3
3
6
Ladakh
Jammu
Himachal
Assam
3
2
10
Pradesh
& Kashmir
Bihar
10
10
22
Uttarakhand
New Delhi
Punjab
Chhattisgarh
35
27
31
Arunachal
Chandigarh
Gujarat
5
Haryana
52
9
58
Haryana
Assam Pradesh
Sikkim
700
700
44.0%
550
575
56.0%
6
Jharkand
15
14
5
Rajasthan
Uttar
Pradesh
Nagaland
Bihar
OO
Kerala
40.5%
59.5%
Kerala
Karnataka
26
19
107
Meghalaya
Manipur
Jharkhand
I
I
Mar-21 Mar-22 Mar-23
Sep-23
Kerala
304
281
25
Gujarat
Madhya Pradesh
W.Benga
Mizoram
Madhya pradesh
68
45
90
I
Tripura
Maharashtra
71
53
118
Maharashtra
Meghalaya
1
0
0
Odisha
Chhattisgarh
I
I
New Delhi
9
Odisha
10
89
1
Telangana
7
55
Split of banking outlets across locations
Gross Advances by States (Sep-23)
Goa
Karnataka
Andhra
Pradesh
Rajasthan
9
2
37
I
States/UTS
23
Tamil Nadu
97
82
130
I
Puducherry
11.0%
Telangana
4
4
6
Kerala
Tamil
Nadu
Banking Outlets
700
Kerala
40.5%
ATMs
579
I
Tripura
3
0
6
12.0%
I
Union Territory
CSC
854
1
1
0
Tamil Nadu
Maharashtra
22.1%
8.8%
Of Chandigarh
Sept-23
Banking Agents
2,332
Union Territory
I
60.0%
17.0%
Madhya Pradesh
6.7%
3
1
1
Of Puduchery
Business
Correspondents
25
Uttar Pradesh
9
8
48
Uttarakhand
3
1
6
Business
Facilitators
Karnataka
Chattisgarh
7.6%
2.8%
615
West Bengal
5
4
86
Others
11.6%
Grand Total
700
579
Semi Urban
Urban
Rural
Metro
854
62% of the Banking Outlets network in south India contributes 86% of
deposits and 71% of gross advances
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