Utkarsh Small Finance Bank Limited

20.9%

Deposits Bulk Term Deposits CASA Ratio (%) 18,655 7,613 11,041 21,447 4,482 12,257 4,707 20.9% CASA + Retail Term Deposits Ratio (%) 78.1% *Incl. IBPC issued by the Bank 19,101 (2.3)% 19,2

78.1%

18,655 7,613 11,041 21,447 4,482 12,257 4,707 20.9% CASA + Retail Term Deposits Ratio (%) 78.1% *Incl. IBPC issued by the Bank 19,101 (2.3)% 19,224 (3.0)% 10,626 (28.4%) 8,578 (11.2)% 8

28.4%

Deposits Ratio (%) 78.1% *Incl. IBPC issued by the Bank 19,101 (2.3)% 19,224 (3.0)% 10,626 (28.4%) 8,578 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 1

30.3%

l. IBPC issued by the Bank 19,101 (2.3)% 19,224 (3.0)% 10,626 (28.4%) 8,578 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.

3.7%

by the Bank 19,101 (2.3)% 19,224 (3.0)% 10,626 (28.4%) 8,578 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11

10.0%

9,101 (2.3)% 19,224 (3.0)% 10,626 (28.4%) 8,578 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19

19.6%

%) 8,578 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key High

68.4%

78 (11.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key Highlights

17.4%

.2)% 8,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key Highlights Q2 & H1

28.8%

,475 30.3% 10,646 3.7% 19,496 10.0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key Highlights Q2 & H1 FY26

19.7%

0% 21,489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key Highlights Q2 & H1 FY26 1,104 vs. [967] Banking Outlets ₹18,6

74.0%

489 (0.2)% 3,819 9,518 6,159 19.6% 68.4% 17.4% 28.8% (23.6)% 4,229 11,675 5,585 19.7% 74.0% 6.0% 5.0% (15.7)% 2 Key Highlights Q2 & H1 FY26 1,104 vs. [967] Banking Outlets ₹18,655 cr.