Equitas Small Finance Bank Limited

Rs. 34,337

d UTs 994 Banking Outlets 375 ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4

43%

tlets 375 ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs.

25%

ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr]

12%

Business Correspondents Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, V

13%

orrespondents Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%,

4%

ts Gross Advances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%,

1%

dvances: Rs. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% ,

Rs. 4,267

,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6% Asset Quality: GNPA: 2.89%

Rs. 5,095

43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6% Asset Quality: GNPA: 2.89% [2.52%] *GNPA:

39%

- 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6% Asset Quality: GNPA: 2.89% [2.52%] *GNPA: 2.81% NNPA:

31%

- 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6% Asset Quality: GNPA: 2.89% [2.52%] *GNPA: 2.81% NNPA: 0.98% [1.

8%

- 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6% Asset Quality: GNPA: 2.89% [2.52%] *GNPA: 2.81% NNPA: 0.98% [1.12%] PCR: 6

“• Other segments remain robust and expect the same to continue MicroFinance Fresh flow into 1-30 bucket from X bucket: Particulars (Rs.”

“• Expenditure in long term strategic initiatives are in the end phase and we expect to gain from these investments in the medium term.”

“Vehicle Finance portfolio is shifting towards used segments as per plan and guidance.”

“For FY25, Non MFI Credit cost stands at 1.06%.”

“100% JLG Loans Spread Across 10 States 400+ Branches Spread Across 12 States & UTs Contd… Housing Finance Vehicle Finance • • Loans are specifically designed to cater to individuals aiming to purchase their first affordable housing property Includes Affordable Housing, LAP and Loans for self construction.”

Beneficiaries

2

Disclaimer

1

Forward Looking Statements

1

Gross Advances

1

Asset Quality

1

Total Deposits

1

Third Party Products

1

Shareholders funds

1

Yield on Gross Advances

1

CASA Ratio

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. ^37,986 Cr [Rs. 34,337 Cr] SBL - 43%, VF - 25%, MFI - 12%, HF - 13% MSE - 4%, NBFC - 1% Disbursements for Q4FY25: Rs. 4,267 Cr [Rs. 5,095 Cr] SBL - 39%, VF - 31%, MFI - 8%, HF - 10% , MSE - 6%

Third Party Products

LI & GI Premium- Rs. 55 Cr [Rs. 66 Cr] Mutual Fund AUM- Rs. 447 Cr [Rs. 297 Cr] Cost of Funds for Q4FY25: 7.54% [7.44%] SA – 5.94%, TD – 8.42%

CASA Ratio

29% [32%] RoA: Q4FY25 at 0.32% [1.91%] RoE: Q4FY25 at 2.79% [14.22%] Figures in [] represent Q4FY24 data|*Advance for the purpose of GNPA/NNPA calculation includes Securitization book|^ Gross Advances includes IBPC & Securitization #Including 371 onsite and 4 offsite ATMs 5 Strategic Initiatives Loan Origination Theme: Consolidation CRM Theme: Upgrade & Beyond Super App Theme: Personalisation of various specific Consolidation product origination systems into a state of the art, proprietary platform leveraging cloud, analytics, low-code and micro services Enterprise CRM application to drive lead to service workflows and enhance customer experience and cross sell. Super App for customers built on a state of the art platform that can deliver personalisation, omni channel experience and neo-banking like experience. PL & Credit Card Theme: Cross sell and customer stickiness AD1 Services Theme: Forex Services Liability 2.0 Theme: Long-term competitiveness Launch products like personal loans

Less

i. Upgradations & Recoveries ii. Write-offs Closing GNPA Balance Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 750.26 355.93 217.52 67.39 821.28 821.28 385.38 180.66 136.96 889.04 889.04 505.79 216.87 155.14 1022.82 585.76 1071.87 554.69 301.91 234.80 259.38 299.45 1022.82 1071.87 1067.73 3.5 0% 3.0 0% 2.5 0% 2.0 0% 1.5 0% 1.0 0% 0.5 0% 0.0 0% -0.50% -1.00% 35 Key Ratios - Annual Cost of Funds Net Interest Margin (NIM) Cost to Assets RoA 8.06% 7.34% 6.58%6.38% 7.26% 7.50% 9.11% 8.44%8.54% 9.00% 8.36% 7.51% 6.75% 5.52% 6.00% 6.34%6.05% 5.71% 2.00% 1.89% 1.70% 1.39% 1.10% 0.30% FY20 FY21 FY22 FY23 FY24 FY25 FY20 FY21 FY22 FY23 FY24 FY25 FY20 FY21 FY22 FY23 FY24 FY25 FY20 FY21 FY22 FY23 FY24 FY25 Credit Cost 3.14% GNPA & NNPA GNPA NNPA Provision Coverage Ratio RoE 2.26% 2.60% 1.79% *2.65% 1.56% 1.01% 4.06% 3.59% 2.72% 2.60% 2.52% 2.89% 1.67% 1.52% 2.37% 1.14% 1.12% 0.98% 58.59% 66.83% 56.90% 56.06% 12.70% 9.84% 14.43% 12.55% 45.22% 42.73% 7.75% 2.45% FY20 FY21 FY22 FY23 FY24 FY25 FY20 FY21 FY22 FY23