Investor Presentaiton

Technology Driven Model With An Advanced Digital Technology Platform ++ ESAF ESAF SMALL FINANCE BANK Joy of Banking ESAF SFB has continuously worked towards improving its customers' experience through the use of technology. Such initiatives have enabled the Bank to deliver improved customer service in a cost effective manner CASHLESS DISBURSEMENT Various digital platforms including an internet banking portal, a mobile banking platform, SMS alerts, bill payments, etc. for all banking and payment transactions like remittances, utility payments, etc. DIGITALISED CENTRAL CPU Digitalised central credit processing unit for Micro Loans using inputs from credit bureau and customer data analytics for underwriting & credit sanctioning CUSTOMER SERVICING VERNACULAR SUPPORT 24/7 call center facility with multi-lingual agents. All calls are recorded and made available for monitoring, quality control and reference purposes by customer service quality department CASHLESS DISBURSEMENT Implemented technology solutions that enable the company to ensure cashless disbursements of loans. The collections mechanism has also been digitalised through the use of mobile applications REDUCED TAT Digitalised account opening & loan underwriting process by using tablets contributing to reduced turnaround time and better services to customers E-SIGN For better customer service and environment conservation ESAF SFB introduced E sign for micro loan disbursals 23

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