Equitas Small Finance Bank Limited

Rs.24,915

Outlets 363 ATMs 302 Business Correspondents 21,679 employees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740

37%

302 Business Correspondents 21,679 employees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,7

25%

ss Correspondents 21,679 employees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL

18%

pondents 21,679 employees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF

12%

21,679 employees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%,

4%

ployees Gross Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%,

3%

oss Advances: Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% ,

Rs. 4,740

s.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0% Asset Quality: ^G

Rs. 4,797

BL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0% Asset Quality: ^GNPA: 2.38% [3.

30%

MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0% Asset Quality: ^GNPA: 2.38% [3.46%] *GNPA: 2

26%

HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0% Asset Quality: ^GNPA: 2.38% [3.46%] *GNPA: 2.29% NNPA

29%

– 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0% Asset Quality: ^GNPA: 2.38% [3.46%] *GNPA: 2.29% NNPA: 1.06% [1.7

Beneficiaries

2

Disclaimer

1

Forward Looking Statements

1

Gross Advances

1

Asset Quality

1

Yield on Advances

1

Total Deposits

1

Third Party Products

1

CASA Ratio

1

Shareholders funds

1

Disclaimer

The information in this document, including facts and figures, is being provided by Equitas Small Finance Bank Limited (the “Bank”) for informational purposes only and could be subject to change without notice. The information has also not been independently verified. No representation or warranty, express implied, is made as to the accuracy, completeness or fairness of the presentation and the information contained herein and no reliance should be placed on such information. The Bank or any other parties whose name appears herein shall not be liable for any statements made herein or any event or circumstances arising therefrom. This presentation or any part of it or the fact of its, form the basis of, or be relied on in connection with, any contract or commitment therefore. This document has not been and will not be reviewed or approved by any statutory or regulatory authority in India or any other jurisdiction or by any stock exchanges in India or elsewhere This document and the cont

Forward Looking Statements

Certain statements in this document with words or phrases such as “ will”,“ etc. and similar expressions or variation of these expressions or those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements, due to a number of risks or uncertainties associated with the expectations. These risks and uncertainties include, but not limited to, our ability to successfully implement our strategies, change in government policies etc. The Bank may, from time to time, make additional written and oral forward looking statements, including statements contained in the Bank’s filings with the stock exchanges and our reports to shareholders. The Bank does not undertake to update any forward looking statements that may be made from time to time by or on behalf of the Bank. GNPA ,NNPA & Gross Advances across the presentation refers to GNPA, NNPA & Gross Advances including IBPC sold 2 Table of Contents 1.

Gross Advances

Rs. ^32,776 Cr [Rs.24,915 Cr] SBL- 37%, VF - 25%, MFI- 18%, HF-12% MSE – 4%, NBFC – 3% Disbursements for Q3FY24: Rs. 4,740 Cr [Rs. 4,797 Cr] SBL – 30%, VF - 26%, MFI – 29%, HF- 9% , MSE – 3%, NBFC – 0%

Third Party Products

LI Premium- Rs 31.30 Cr [Rs 29.20 Cr] Mutual Fund AUM- Rs 281 Cr [Rs 211 Cr] Demat A/C opened -4031 Nos Daily Average Cost of Funds for Q3FY24: 7.36% [6.41%] SA – 6.14%, TD – 8.16%

Shareholders funds

CRAR –20.24% Tier I – 19.69% Tier II – 0.55% NIM for Q3FY24: 8.37% [9.01%] RoA: Q3FY24 at 1.98% [2.21%] RoE: Q3FY24 at 14.44% [14.94%] 5 Figures in [] represent Q3FY23 data| *Advance for the purpose of GNPA/NNPA calculation includes Securitization book |^ Gross Advances includes IBPC Key Highlights Key message • • • Robust Gross Advances growth at 32% YoY and 5% QoQ . Net of IBPC and securitization, net advances growth at 25% YoY Yield on disbursement improved by 120 bps to 18.77% in Q3FY24 Vis a Vis 17.57% in Q3FY23 Robust TD growth of 73 % YoY supported by 61% YoY growth in retail TD • Only ~23% of Incremental deposits during the quarter funded by Bulk Term Deposits • During Q3FY24, Bank has securitized/assigned advances worth Rs 1390 Cr Profit & Loss • NII grew 21% YoY and 3 % QoQ, Other income grew 46% YoY and 15% QoQ • Opex grew 23% YoY and 2% QoQ ; PPoP grew 29% YoY. PPoP to assets stands at 3.53% for the quarter • • • • PAT stood at Rs. 202 Crs for Q3FY24, growth of 19% YoY and

Less

i. Upgradations ii. Recoveries (excluding recoveries made from upgraded accounts) iii. Technical or Prudential write-offs Write-offs other than those under (iii) above Closing GNPA Balance Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 870.26 286.46 144.81 69.37 27.71 53.47 861.36 861.36 190.59 125.71 84.79 9.21 108.28 723.96 723.96 213.94 87.38 49.38 3.37 27.59 770.18 770.18 256.81 114.86 167.92 8.41 75.32 660.50 660.50 312.19 102.71 69.77 17.15 32.80 750.26 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% -0.50% -1.00% 18 Strengthening Provision Coverage Asset Classification Nature Provisioning as per IRAC Provisioning as per Equitas PCR Sub-standard Secured Unsecured Doubtful-1 Secured 15% 25% 25% Unsecured 100% Doubtful-2 Secured 40% Unsecured 100% Doubtful – 3 Secured 100% Unsecured 100% 24% 69% 61% 100% 86% 100% 100% 100% 57.79% 57.72% 56.90% 55.97% 50.84% 50.49% 48.46% 76 9 27 90 14 28 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Additional Provision (in crs) PCR 19 Liabilities & B