Equitas Small Finance Bank Limited

Rs. 34,871

UTs 1035 Banking Outlets 376 ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,

45%

tlets 376 ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4

25%

ATMs# 336 Business Correspondents Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] S

9%

Business Correspondents Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, V

13%

Correspondents Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%,

5%

nts Gross Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%,

1%

Advances: Rs. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% ,

Rs. 3,511

4,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4% Asset Quality: GN

Rs. 4,029

- 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4% Asset Quality: GNPA: 2.82% [2.6

35%

I - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4% Asset Quality: GNPA: 2.82% [2.67%] *GNPA: 2.

8%

- 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4% Asset Quality: GNPA: 2.82% [2.67%] *GNPA: 2.75% NNPA: 0.95% [0.8

4%

or Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4% Asset Quality: GNPA: 2.82% [2.67%] *GNPA: 2.75% NNPA: 0.95% [0.81%] PCR: 67.03% [70.29%] Total

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

“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. ^37,610 Cr [Rs. 34,871 Cr] SBL - 45%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 1% Disbursements for Q1FY26: Rs. 3,511 Cr [Rs. 4,029 Cr] SBL - 35%, VF - 35%, MFI - 8%, HF - 9% , MSE - 5%, NBFC - 4%

Third Party Products

LI & GI Premium- Rs. 32 Cr [Rs. 20 Cr] Mutual Fund AUM- Rs. 473 Cr [Rs. 359 Cr] Cost of Funds for Q1FY26: 7.49% [7.46%] SA – 5.93%, TD – 8.42%

CASA Ratio

29% [32%] RoA: Q1FY26 at -1.68% [0.22%] RoE: Q1FY26 at -15.02% [1.72%] Figures in [] represent Q1FY25 data|*Advance for the purpose of GNPA/NNPA calculation includes Securitization book|^ Gross Advances includes IBPC & Securitization #Including 372 onsite and 4 offsite ATMs 5 First Quarter Profitability Particulars (In Rs. Crs) PPOP Provision as per Mar’25 norms including reversal PAT (Based on Mar’25 provision norms) Additional NPA Provision due to change in Provisioning norms (One-time Impact*) – Note 1 Additional Standard Asset Provision (One-time Impact) for Microfinance Total Provisions Loss for the Quarter *Impact on existing DPD buckets. In subsequent quarters, impact is restricted to incremental slippages Q1FY26 316 282 26 145 185 612 (224) Note 1: Asset Classification Nature As per IRAC Sub-standard Secured Unsecured Doubtful-1 Secured 15% 25% 25% Unsecured 100% Doubtful-2 Secured Unsecured Doubtful – 3 Secured Unsecured 40% 100% 100% 100% As per Mar’25 Norms Revised Norms 25%

MFI Portfolio

Active Lender Count Unique to Equitas Equitas + 1 Equitas + 2 Equitas + 3 Equitas + 4 and above % Book Share (Non NPA Book) <=2 Lakh Indebtedness >2 Lakh Indebtedness 25% 25% 20% 9% 5% 2% 3% 4% 3% 4% 7 Strategic Actions Taken • Microfinance: • Restarted disbursements in Microfinance cautiously to balance the long term goal of reducing the contribution of Microfinance to total advances and the short term goal of improving collection efficiencies. • The number of clients allocated per staff being reduced. • Separate collection vertical has been setup for OD customers • Product norms has been changed in line with existing market factors • 100% of Microfinance disbursements covered by CGFMU from Q1FY26 • Graduating vintage Microfinance borrowers to Individual loans backed by cash flow based credit underwriting, launched in Aug’25 • In Karnataka, the credit norms for group loans made more conservative than Mfin guardrails 2.0 8 Strategic Actions Taken Driving growth in Secured Loans • • • •