Investor Presentaiton

Strong Rural And Semi-Urban Banking Franchise ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking Low penetration of banking credit in rural areas Rural share of GDP contribution (Mar-23) Rural share of Credit outstanding (Q1FY24) 47.0% 8.0% O O Source: CRISIL MI&A Report Focus on increasing credit in the rural & semi-urban areas has remained low Rural share of Credit outstanding (Q1FY24) 66% 62% 12% 13% 15% 17% 7% 8% Rural Semi-Urban Source: CRISIL MI&A Report Urban Metropolitan FY18 Q1FY24 Strong rural and semi-urban franchise of ESAF to take advantage of the growth opportunity in the under-penetrated rural and semi-urban market Majority of advances in rural & semi-urban regions As of Sep-23 (% of Gross Advances) Focusing on rural & semi-urban areas in the liabilities profile Footprint in Rural & Semi-urban 39% O 7.0% 6.4% 6.4% 6.2% 45.4% 41.9% 45.1% 46.1% Rural & Semi-Urban 38.3% 39.4% 39.2% 34.9% Urban & Metropolitan 61% 9.4% 12.3% 9.3% 12.9% Mar-21 Mar-22 Mar-23 Sep-23 Rural Semi Urban Urban Metro 55.9% Customers in rural and semi- urban areas 71.7% Banking outlets in rural and semi- urban areas 20

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