Investor Presentaiton

Profit & Loss Statement ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking Particulars (Crs) Interest Income Interest Expense Net of Interest Income FY23 FY22 FY21 2,854 1,940 1,641 1,017 793 720 1,836 1,147 922 Other Income 288 208 127 Total Income, Net of Interest Expense 2,124 1,355 1,049 Employee Benefits Expense 278 232 188 Depreciation and Amortization Expense 42 33 29 Other Expenses 911 598 415 Operating Expense 1,231 863 632 Pre-Provision Operating Profit 894 492 417 Provisions (other than tax and contingencies) 488 418 276 Profit before tax Tax Provisions Profit After Tax Earnings Per Share Diluted 406 74 141 104 19 36 302 55 105 6.73 1.22 2.46 32

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