Below are highlights of Results for Q.E and Year Endng 31.03.2025 for ESAF Small Finance Bank Ltd A) Financial Performance (Q4 FY25): (i) Total business grew by 8.6% YoY to Rs 42,919 crore in Q4FY25 as against Rs 39,527 crore in Q4FY24 (ii) Gross advances remained stable YoY to Rs 18,779 crore in Q4FY25 as against Rs 18,772 crore in Q4FY24 (iii) Disbursements during Q4FY25 stood at Rs 6,878 crore as against ₹ 5,266 crore in Q4FY24 B) Financial Performance (FY25) (i) The Bank’s Net Interest Income (NII) declined 13.4% YoY to Rs 2,052 crore compared to Rs 2,370 crore during FY24, mainly due to the change in asset mix. (ii) Net Interest Margin (NIM) for FY25 stood at 8.08% compared to 11.15% in FY24 (iiI) The Bank’s pre-provisioning operating profit (PPoP) for FY25 decreased by 52.1% YoY to ₹557 crore as compared to Rs 1,163 Crore in FY24. (iv) Loss After Tax for FY25 came in at ( Rs 521) crore as compared to Profit After Tax Rs 426 crore in FY24. C) Other Updates The bank’s distribution network stood at 787 branches and 693 ATMs across 26 States and 2 Union Territories. In addition, we have 34 institutional Business Correspondents and 1,106 Customer Service Centers

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