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Key Profitability Ratios Margins* (%) 21.0% 21.1% 19.5% 19.6% 19.8% 56.4% 55.9% 11.3% 9.7% 9.9% 10.4% 11.0% 6.3% 6.2% 6.4% 6.9% 7.3% Q2FY23 Q3FY23 Q4FY23 Q1FY24 1.3% 0.8% Yield on Advances NIMS Cost of Funds ROA* (%) Cost to Income (%) 58.0% ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking 55.7% 56.4% Q2FY24 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 ROE* (%) 2.6% 29.9% 2.5% 28.7% 29.3% 29.4% 2.2% 25.3% Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 * Annualized 14

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