Investor Presentaiton

Multi-Nodal Delivery Channels ○ Multiple channels for servicing the customers in an efficient manner Banking Outlets o Provision for full-fledged banking product & services o Branch Operations 。 BC network allows dual advantage . · Better understanding of customer requirements Constant engagement with micro loan customers helps to keep delinquencies in check o Digital channels viz. internet banking and mobile banking offerings in line with the evolving technology in banking industry Business Correspondents (BCS) ○ Sourcing and servicing of customers for micro loans, mortgage loans, vehicle loans, MSME loans, agricultural loans, select deposit and third-party products o 25 Institutional Business Correspondents Gross advances sourced/serviced through BCs (as on 30 Sep 2023) • Growing ATM network T 74.3% H $ ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking Digital Banking ○ Application (compatible with Android and iOS) that connects with the National Payments Corporation of India's unified payments interface platform o Enable customers to pay bills, transfer funds to other banks instantaneously and use scan and pay facilities at merchant outlets o Miss call Banking o WhatsApp Banking 1 I I I I I I I I I I I I I I I I I I I I I I ATMs and Debit Cards I I I ○ 579 ATMs o RuPay branded ATM-cum-debit cards ATM count I I I I I I I 528 579 I I 386 I 318 I I I I Mar-21 Mar-22 Mar-23 Sep-23 I I 19

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