SBFC Finance Limited

rs,

Complex, Bandra (East), Mumbai – 400051. NSE Symbol: SBFC BSE Limited, Phiroze Jeejeebhoy Towers, 21st Floor, Dalal Street, Mumbai – 400001. BSE Scrip Code: 543959 Sub: Investor Presentation D

30%

the Company. 2 Executive Summary – Sept 2025 1 2 3 4 5 Profitability Profit after tax grew 30% YoY to ₹109 crore for the quarter Growth AUM grew 29% YoY to ₹9,938 crore. The company achieved an

₹109 crore

y. 2 Executive Summary – Sept 2025 1 2 3 4 5 Profitability Profit after tax grew 30% YoY to ₹109 crore for the quarter Growth AUM grew 29% YoY to ₹9,938 crore. The company achieved an AUM of ₹10,000 c

29%

3 4 5 Profitability Profit after tax grew 30% YoY to ₹109 crore for the quarter Growth AUM grew 29% YoY to ₹9,938 crore. The company achieved an AUM of ₹10,000 crore during the month of October 2025

₹9,938 crore

ofitability Profit after tax grew 30% YoY to ₹109 crore for the quarter Growth AUM grew 29% YoY to ₹9,938 crore. The company achieved an AUM of ₹10,000 crore during the month of October 2025. Credit Quality Gr

₹10,000 crore

₹109 crore for the quarter Growth AUM grew 29% YoY to ₹9,938 crore. The company achieved an AUM of ₹10,000 crore during the month of October 2025. Credit Quality Gross NPA at 2.77% with PCR of 46.17% Operating

2.77%

ny achieved an AUM of ₹10,000 crore during the month of October 2025. Credit Quality Gross NPA at 2.77% with PCR of 46.17% Operating Efficiency Cost-to-AUM ratio improved to 4.40% Return Ratios RoA of

46.17%

of ₹10,000 crore during the month of October 2025. Credit Quality Gross NPA at 2.77% with PCR of 46.17% Operating Efficiency Cost-to-AUM ratio improved to 4.40% Return Ratios RoA of 4.56% and RoE of 14

4.40%

t Quality Gross NPA at 2.77% with PCR of 46.17% Operating Efficiency Cost-to-AUM ratio improved to 4.40% Return Ratios RoA of 4.56% and RoE of 14.09% 3 Executive Summary – Q2 FY26 Asset Under Manageme

4.56%

with PCR of 46.17% Operating Efficiency Cost-to-AUM ratio improved to 4.40% Return Ratios RoA of 4.56% and RoE of 14.09% 3 Executive Summary – Q2 FY26 Asset Under Management 9,938 +29% +6% Gross

14.09%

7% Operating Efficiency Cost-to-AUM ratio improved to 4.40% Return Ratios RoA of 4.56% and RoE of 14.09% 3 Executive Summary – Q2 FY26 Asset Under Management 9,938 +29% +6% Gross NPA 2.77% Disbur

6%

A of 4.56% and RoE of 14.09% 3 Executive Summary – Q2 FY26 Asset Under Management 9,938 +29% +6% Gross NPA 2.77% Disbursement1 815 YoY QoQ Branches 220 +21% +1% +28 +5 Yield/Spread 1

Note

1

Average Ticket Size

1

Note

1. 2. 3. 4. Gross NPA% (Stage 3%) as per IND AS (including EIR adjustment). Net NPA% is as per IND AS. 1+ DPD % is for secured MSME at AUM level PCR is defined as provisions made against Stage 3 loans 18 ECL Provisions Summary As on September 30, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on June 30, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on September 30, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % All figures in ₹ Cr Stage 2 326 16 310 4.87% Stage 2 308 18 290 5.88% Stage 2 212 11 201 5.18% Stage 1 8,174 30 8,144 0.37% Stage 1 7,672 30 7,642 0.38% Stage 1 6,322 35 6,287 0.56% 19 Stage 3 242 112 130 46.17% Stage 3 228 101 127 44.38% Stage 3 181 73 108 40.17% Total 8,742 158 8,584 1.81% Total 8,208 149 8,059 1.81% Total 6,715 119 6,596 1.78% Collections Approach In-house, on-ground collections teams – 99% collected digitally On-ground Teams Scalable Structure Adapta

Average Ticket Size

Secured MSME / LAG (Lakh)* % 2.77% GNPA YoY +8 bps % 1.51% NNPA YoY -12 bps 3,174 Tangible Net worth 210 PAT YoY +29% CRAR 34.05% Capital Adequacy 4.53% Return on AAUM YoY -3 bps 1,624 Secured MSME Disbursal Value YoY +35% 16 States & 2 UTs Pan India presence 1,84,424 # live customers 1.20% Credit Cost YoY +25 bps 9.14% Cost of Borrowing YoY -19 bps 16,749 Secured MSME Disbursal Volume YoY +30% 100% in-house Sourcing LTV 42.4% / 55.0% Secured MSME / LAG 46.17% PCR AA- (Stable) Credit rating Note: All values in ₹ Cr unless stated otherwise, All metrics as of / for H1 FY26; 25 18.00% Yield YoY +36 bps % 8.86% Spread YoY +55 bps Summary Financial Statements – Profit & Loss Statement for Q2 FY26 Particulars Interest Income on Loans Interest Income other than on Loans Fee & Other Income Total Income Finance Cost Operating Expenses Pre-Provisioning Operating Profit Credit Cost Tax Expense Profit after Tax Basic EPS (Not Annualized) Diluted EPS (Not Annualized) All figures in ₹ Cr Quarter End