Investor Presentaiton

A social business driven by providing "Joy of Banking" to customers ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking ESAF SFB has adopted a triple bottom line approach towards business in line with the motto - 'fighting the partiality of prosperity'. The triple bottom line approach of ESAF SFB focuses on the following 3 Ps: Social Impact Environment Impact People Promoting financial inclusion and gender equality through specialized financial services Planet The protection of the environment and ensuring sustainable development 1 ESAF SFBS main focus is on unbanked and under- banked customer segments, especially in rural and semi-urban areas, as well as catering to all customer segments $ Economic Impact ESAF SFBS business model focuses on the principles of responsible banking, providing customer-centric products and services through the innovative application of technology Prosperity Establishing a governance framework to ensure accountability, transparency and compliance with internal and external ESG standards ESAF SFB has a strong focus on leveraging technology to deliver products and services and it continuously works towards improving its customers' experience through the use of technology 7

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