Equitas Small Finance Bank Limited

Rs. 36,053

Outlets 382 ATMs# 337 Business Correspondents 27,145 employees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,

44%

337 Business Correspondents 27,145 employees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4

25%

ss Correspondents 27,145 employees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] S

9%

dents 27,145 employees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, V

13%

,145 employees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%,

5%

ees Gross Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%,

2%

Advances: Rs. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% ,

Rs. 5,380

6,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12% Asset Quality:

Rs. 4,850

- 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12% Asset Quality: GNPA: 2.82% [2

30%

I - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12% Asset Quality: GNPA: 2.82% [2.95%] *GNPA:

28%

- 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12% Asset Quality: GNPA: 2.82% [2.95%] *GNPA: 2.77% NNP

12%

r Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12% Asset Quality: GNPA: 2.82% [2.95%] *GNPA: 2.77% NNPA: 0.95% [0.97%] PCR: 66.93% [67.71%] Yield o

“A phased roll out in other branches will follow in FY27 • AHF: AHF currently operating in 70 branches, is being expanded to additional about 30 asset branches in tier 2 to 5 towns by H2FY26 .”

“Further expansion to about 120 upcountry asset branches will be done by FY27 Overall Advances and Deposits have delivered a robust CAGR of 23% and 32% over the past three years ending FY25, underscoring inherent strength in our Banking franchise.”

“For FY26, we expect advances growth of about 15% YoY.”

“Beyond FY26, we expect to sustain a steady-state trajectory of around 20% growth, driven by diversified portfolios and making all asset products available in most of the existing asset branches.”

“Personal Loan Investments Insurance Forex Cards Trading Remittances 3 in 1, ASBA Credit Card Used Car Loan LAP Over Drafts Home Loan 11 Outlook for FY26 Targeting mid-teen growth in overall advances for FY26, primarily driven by the secured (non-MFI) portfolio, which offers a stable yield of ~15%.”

“The cost of funds has commenced a downward trajectory and is anticipated to decline further Cost to Income is expected to moderate in H2FY26 driven by growth in advances and income With sustained improvement in DPD metrics and disbursements, MFI to move towards normal profitability by Q4FY26 03 02 04 01 With these positive levers in place, expect to achieve an exit ROA of about 1% in Q4FY26.”

“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

CASA Ratio

1

Shareholders funds

1

X Bucket Collection Efficiency in MFI

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. ^39,123 Cr [Rs. 36,053 Cr] SBL - 44%, VF - 25%, MFI - 9%, HF - 13% MSE - 5%, NBFC - 2% Disbursements for Q2FY26: Rs. 5,380 Cr [Rs. 4,850 Cr] SBL - 30%, VF - 28%, MFI - 13%, HF - 9% , MSE - 5%, NBFC - 12%

Asset Quality

GNPA: 2.82% [2.95%] *GNPA: 2.77% NNPA: 0.95% [0.97%] PCR: 66.93% [67.71%] Yield on Gross Advances:$ 15.73% for Q2FY26 [16.70%]

Third Party Products

LI & GI Premium- Rs. 40 Cr [Rs. 35 Cr] Mutual Fund AUM- Rs. 467Cr [Rs. 437 Cr] Cost of Funds for Q2FY26: 7.35% [7.50%] SA – 5.57%, TD – 8.32%

Shareholders funds

CRAR – 20.74% Tier I – 16.44% Tier II –4.30% NIM for Q2FY26: 6.29% [7.69%] RoA: Q2FY26 at 0.18% [0.11%] RoE: Q2FY26 at 1.65% [0.86%] Figures in [] represent Q2FY25 data|*Advance for the purpose of GNPA/NNPA calculation includes Securitization book|^ Gross Advances includes IBPC & Securitization #Including 378 onsite and 4 offsite ATMs $ For better representation, we have adopted new methodology 5 DPD Trends MICROFINANCE NON MFI BANK MF Loan Mix 1-90 DPD Non MF Loan Mix 1-90 DPD 17% 16% 14% 12% 9% 9% 5.92% 6.27% 3.66% 7.82% 8.05% 5.40% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 8.45% 8.94% 8.27% 7.94% 88% 86% 83% 84% 9.63% 9.41% 91% 91% 92% 90% 88% 86% 84% 82% 80% 78% 1-90 DPD 8.45% 7.98% 7.92% 9.48% 9.06% 7.44% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 • MFI DPD shows significant improvement QoQ on account of increased collection efficiency. TN constitutes more than 50% of the MFI portfolio and its col