Investor Presentaiton

Asset Quality & Capital Adequacy 8.1% 7.2% GNPA & NNPA (%) Total Assets & Risk Weighted Assets (* Crs) ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking 22,368 20,224 20,796 18,248 18,345 4.3% 3.7% 9,347 9,705 10,085 8,087 8,444 2.5% 2.6% 1.7% 1.1% 1.2% 0.8% Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 GNPA NNPA Q2FY23 Q3FY23 Q4FY23 Total Assets Q1FY24 Q2FY24 Risk Weighted Assets PCR (%) Capital Adequacy (%) 74.4% 69.6% 70.5% 63.5% 21.2% 20.3% 19.8% 20.6% 20.6% 56.7% 18.8% 18.0% 18.1% 19.0% 18.2% Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q2FY23 Q3FY23 Q4FY23 CRAR Tier 1 Q1FY24 Q2FY24 15

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