Press Release

JSFB/SEC/2026-27/60 15th July 2026 BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai 400001, Bandra (East), Mumbai 400051, Maharashtra Maharashtra. Dear Sir/ Madam, Subject: Press release Ref: Regulations 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find attached press release regarding the financials for the quarter ended 30th June 2026. This intimation will also be uploaded on Bank’s website at www.jana.bank.in. You are requested to kindly take the same on your record and oblige. Thanking you Yours faithfully, For Jana Small Finance Bank Limited Lakshmi R. N Company Secretary and Compliance Officer JAMA KARO, JANA KARO. Registered Office: Jana Small Finance Bank Limited The Fairway Business Park, # 10/1, 11/2 & 12/2B, Telephone : 080-46020100 E-mail : customercare@jana.bank.in Off Domlur, Koramangla Inner Ring Road, Next to 080-37620100 Website : www.jana.bank.in Embassy Golf Links, Challaghatta, Bengaluru -560071. Toll-free No. : 1800 2080 CIN: L65923KA2006PLC040028 Jana Small Finance Bank Q1 FY27 Earnings update PAT at Rs 155 Crs for Q1 FY27, higher by 52% y-o-y Improving GNPA at 2.24% and NNPA at 0.85% on GLP GLP growth of 26% y-o-y & Deposits growth of 22% y-o-y CASA growth of 31% y-o-y Secured up 29% y-o-y with Secured book share at ~73% Unsecured up 18% y-o-y; ~80% of book covered under Guarantee programs Bengaluru, July 15th, 2026: The Board of Directors of Jana Small Finance Bank Limited at its meeting held today, approved the audited financial results for the quarter ended 30th June, 2026. Key Highlights for Q1 FY27 performance:  Asset GLP stands at ₹37,612 crores, growing by 26% y-o-y (4% q-o-q); 73% of GLP is now Secured. o Secured assets grows by 29% y-o-y (4% q-o-q) and Unsecured grows by 18% y-o-y (3% q-o-q)  Total Deposits stands at ₹35,756 crores o Deposits growth of 22% y-o-y o CASA grows by 31% y-o-y (7% q-o-q); TD growth of 19% y-o-y o Credit to Deposit ratio stands at 97%  Capital Adequacy ratio at 20.2% with Tier-1 CRAR of 18.3%  Tier-1 Capital of Rs. 728 crores approved via Share Warrants under Preferential route, Rs. 103 crores received in June-2026; TVS Venu Group awaits RBI approval for 9.99% stake  GNPA ratio is 2.24% and NNPA ratio is 0.85%  PAT of ₹155 crores for Q1 FY27  Overall SMA increased to 3.9% as of 30th June 2026 viz-a-viz 3.5% as at 31st March 2026.  Slippages for Q1 FY27 is lower by 43% vs Q1 FY26 and 13% lower q-o-q  Net credit cost % at 0.45%, same as best quarter of last year i.e. Q4 FY26  NIM improves from 6.6% for Q1 FY26 to 7.5% in Q1 FY27  Cost rationalization in progress: Opex growth remained nominal at 1.5% q-o-q Commenting on the performance, Mr. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said “The Q4 FY26 performance trend continues in Q1 FY27. Focus on portfolio quality and flattening costs were the primary focus of the Bank. We are committed and confident of delivering guidance of 20%+ growth in GLP and Liabilities with 80% growth in PAT”. Profit and Loss Statement: Particulars (in ₹ Crore) Q1 FY26 Q4 FY26 Q1 FY27 Interest Income 1,241 1,445 1,515 Interest Expense 655 709 732 Net Interest Income 586 736 782 Other Income 266 266 227 Operating Income 852 1,001 1,009 Operating Expenses 563 666 676 Operating Margin 289 335 333 Provisions and Contingencies 187 195 178 Profit Before Tax 102 140 155 Taxes - - - Profit After Tax 102 140 155 Balance Sheet: Particulars (in ₹ Crore) As at 30th June 2025 As at 31st March 2026 As at 30th June 2026 CAPITAL AND LIABILITIES Capital 105 105 105 Reserves & Surplus 4,126 4,365 4,627 Deposits 29,426 35,784 35,756 Borrowings 4,225 5,497 4,659 Other liabilities and provisions 1,477 1,696 1,665 TOTAL 39,359 47,448 46,812 ASSETS Cash and Balances with RBI 2,519 2,492 1,555 Balances with banks 496 66 1,179 Investments 7,594 9,812 8,298 Advances 27,825 33,828 34,699 Fixed Assets 159 199 206 Other Assets 767 1,051 875 TOTAL 39,359 47,448 46,812 Key Ratios: Particulars Q1 FY26 Q4 FY26 Q1 FY27 CASA to Total Deposit (%) 17.8% 17.9% 19.2% Net Interest Margin 6.6% 7.2% 7.5% Cost to Income Ratio 66.1% 66.6% 67.0% Return on Average Assets 1.1% 1.3% 1.4% Return on Average Equity 9.8% 12.8% 13.6% Capital Adequacy Ratio (CAR)1 20.5% 19.4% 20.2% Gross NPA (%)2 2.8% 2.3% 2.2% Net NPA (%)2 0.9% 0.9% 0.8% 1Quarterly CAR includes interim period profits 2Advances for the purpose of GNPA/NNPA calculation includes Securitization book About Jana Small Finance Bank Jana Small Finance Bank, a scheduled commercial bank, is the 4th largest Small Finance Bank in India with an experience of over 17 years in lending and serving more than 12 million customers. The Bank was launched in March 2018, is a solid combination of a digital institution and national presence across 23 states and 2 union territories, spread across 826 branches. From its origin of being a NBFC-MFI, the bank has transformed steadily over the years, leading to 70%+ of its lending book being secured, mostly backed by mortgages. The Bank has created a fast growing retail deposit franchise with a strong brand presence and high standards of customer service. The bank's management team has an average experience of 29 years with a reputed and well-rounded Board. Note: All Numbers are as on 30th June 2026 unless specified otherwise April 2026 – Jana Bank has been conferred the Excellence in Customer Engagement Transformation in Banking award at the BFSI Tech Summit & Awards 2026, held on April 16, 2026, at ITC Maratha, Mumbai. The recognition highlights the Bank's commitment to transforming customer engagement through innovative technology-driven initiatives and delivering enhanced banking experiences. May 2026 - Jana Small Finance Bank has been specially acknowledged by Shri Nayab Singh Saini, Hon'ble Chief Minister of Haryana, for the Bank’s contribution towards strengthening healthcare infrastructure across district hospitals in the State through its Corporate Social Responsibility (CSR) initiatives. The recognition was conferred during the inauguration and launch of key healthcare initiatives undertaken by the Government of Haryana, held on May 29, 2026, at the PWD Rest House, Sector 1, Panchkula, Haryana. For more details, please visit - https://www.jana.bank.in/ Media contact details – Savli Mangle, Adfactors PR for Jana SFB |savli.mangle@adfactorspr.com|9833361003 Shreyasee Sen, Adfactors PR for Jana SFB |shreyasee.sen@adfactorspr.com| 8789323086