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Investor Presentaiton

Awards & Recognitions 2018 2019 2020 2021 2022 ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking 2023 'Small Finance Bank of the Year' certification at the IBS India Banking Summit and Awards 2022 ○ 'Rising Category: Banking' Award at the Prestigious о Brand Asia Awards presented by BARC Herald Global о 'Financial Inclusion by Small Finance Bank' Award by HSBC о 'Excellence in Customer Service and Product Distribution' Award at the Eastern India Micro Finance Summit 'Best Customer Experience Bank of the Year' Award at the India Customer Excellence Summit and Awards 2023 'Innovative Bank of the Year' Award at the India Banking Summit and Awards 2023 by Synnex Group о MSME Banking Excellence О о о Awards 'Special Jury Award for Serving MSMEs' by Chamber of Indian Micro Small & Medium Enterprises Finalist at the 9th European Microfinance Award 'Inclusive Finance through Technology' and recognition for the Bank's range of back and front end digital solutions for staff and clients alike Recognition for implementing outstandinginitiatives in the category 'Positive External Image Building' by MFIN Microfinance Awards 2018: In Pursuit of Excellence Perform for Pride FY 2018-19 'Best Performing Branch - Kattapana' under the Atal Pension Yojana by PFRDA о Dhanam 'Kerala Bank of о The Year 2019' award о 'Banking Gold' SKOCH Award for Accessand Affordable Banking Services for Financially Underserved Areas o Diversity & Inclusion Excellence Awards 2019 - first runner up under the category 'Best Employer for Women (in Large Category)' by ASSOCHAM India Best Performance Award 2018-19 under the SHG- Bank Linkage Programme by NABARD, Kerala Regional Office 'Global Sustainability Award 2020' for outstanding achievements in sustainability management by the Energy and Environment Foundation О Semi Finalist at the SKOCH Award 2021 in the о category 'Financial, Digital Inclusion and Education' о 'Great Place to Work' certification for March 2021-February 2022 by the Great Place to Work Institute, India о ISO 9001:2015 certification no. IN92405A valid from April 8, 2021 to April 7, 2024 by LMS Certification Private Limited for our: (i) customer service quality initiatives; (ii) regulatory and statutory reporting of the customer service quality department; (iii) customer grievance redressal mechanism; and (iv) customer service call center monitoring. о 'Banking & Finance Gold' SKOCH Award for Financial Inclusion for All 34
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