Investor Presentaiton

Journey So Far ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking ESAF Small Finance Bank Limited ("ESAF SFB") is one of the 12 awardees of the SFB licenses as of Sept 30, 2023 Over the years it has expanded its geographical coverage and product offerings (both assets & deposits) ○ 1992 ESAF Foundation founded by Mr. Kadambelil Paul Thomas along with others О 1995 ESAF Foundation started its microloan activities 2004-10 1992-98 о Microfinance business undertaking of ESAF Foundation was transferred to ESAF o 2015 - RBI in- principle approval to establish a small finance bank ("SFB") Financial Holdings Private Limited ("Corporate 2011-15 Promoter") О ESAF SFB included in the second schedule of the RBI Act О Crossed 2 Mn borrowers Becomes member of Global Alliance for Banking on Values 2016-17 o Crossed 100 branches in aggregate 2019 - Q2 2024 ○ 2016 Final approval to establish and carry on business as an SFB o Transfer of lending & financing business undertaking of Corporate Promoter to ESAF SFB ESAF SFB commences banking operations BANK 2018 о Set up extensive network of 700 banking outlets, 854 customer service centres, 25 business correspondents, 2,332 banking agents, 615 business facilitators and 579 ATMs spread across 21 states and two union territories. o Total business crosses 34,906 crs Crossed 7.51 Mn Customers o Esign-loan documents ○ Agent banking 5

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