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

31%

f the Company. 2 Executive Summary – Mar 2026 1 2 3 4 5 Profitability Profit after tax grew 31% YoY to ₹451 crore for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Qua

₹451 crore

ny. 2 Executive Summary – Mar 2026 1 2 3 4 5 Profitability Profit after tax grew 31% YoY to ₹451 crore for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at

29%

2 3 4 5 Profitability Profit after tax grew 31% YoY to ₹451 crore for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at 2.61% with PCR of 42% Operating E

7.56%

Profitability Profit after tax grew 31% YoY to ₹451 crore for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost

₹11,270 crore

Profit after tax grew 31% YoY to ₹451 crore for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improve

2.61%

for the year Growth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improved to 4.19% from 4.65% for the year

42%

wth AUM grew 29% YoY and 7.56% QoQ to ₹11,270 crore. Credit Quality Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improved to 4.19% from 4.65% for the year Return Ratios Ro

4.19%

edit Quality Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improved to 4.19% from 4.65% for the year Return Ratios RoA of 4.58% and RoE of 14.18% for the year, exit RoE at 14.

4.65%

y Gross NPA at 2.61% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improved to 4.19% from 4.65% for the year Return Ratios RoA of 4.58% and RoE of 14.18% for the year, exit RoE at 14.48% 3 Exe

4.58%

rating Efficiency Cost-to-AUM ratio improved to 4.19% from 4.65% for the year Return Ratios RoA of 4.58% and RoE of 14.18% for the year, exit RoE at 14.48% 3 Executive Summary – FY26 YoY Asset Under M

14.18%

Cost-to-AUM ratio improved to 4.19% from 4.65% for the year Return Ratios RoA of 4.58% and RoE of 14.18% for the year, exit RoE at 14.48% 3 Executive Summary – FY26 YoY Asset Under Management Disburs

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 20 ECL Provisions Summary As on March 31, 2026 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on December 31, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on March 31, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % All figures in ₹ Cr Stage 2 296 49 247 16.66% Stage 2 318 21 297 6.74% Stage 2 238 14 224 6.08% Stage 1 9,433 27 9,406 0.28% Stage 1 8,665 31 8,634 0.36% Stage 1 7,195 28 7,167 0.38% 21 Stage 3 260 108 152 41.64% Stage 3 250 116 134 46.21% Stage 3 209 96 113 45.69% Total 9,989 184 9,805 1.84% Total 9,233 168 9,065 1.82% Total 7,642 138 7,504 1.80% Collections Approach In-house, on-ground collections teams – 99% collected digitally On-ground Teams Scalable Structure Adaptable

Average Ticket Size

Secured MSME / LAG (Lakh)* % 2.61% GNPA YoY -13 bps % 1.54% NNPA YoY +3 bps 3,465 Tangible Net worth 451 PAT YoY +31% CRAR 32.84% Capital Adequacy 4.58% Return on AAUM YoY +5 bps 3,107 Secured MSME Disbursal Value YoY +16% 18 States & 2 UTs Pan India presence 2,02,683 # live customers 1.27% Credit Cost YoY +30 bps 8.85% Cost of Borrowing YoY -48 bps 31,286 Secured MSME Disbursal Volume YoY +11% 100% in-house Sourcing LTV 42.6% / 59.9% Secured MSME / LAG 41.64% PCR AA- (Stable) Credit rating Note: All values in ₹ Cr unless stated otherwise, All metrics as of / for FY26. 27 17.84% Yield YoY +9 bps % 8.99% Spread YoY +57 bps Summary Financial Statements – Profit & Loss Statement for Q4 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 Ended D