Investor Presentation

JSFB/SEC/2026-27/59 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: Investor Presentation for the quarter ended 30th June 2026 Ref: Regulations 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our letter JSFB/SEC/2026-27/55 dated 10th July 2026, please find enclosed herewith, investor presentation on the business and financial performance of the Bank 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 Q1FY27 Investor Presentation 15th July 2026 Disclaimer This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Jana Small Finance Bank (the “Bank”) and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Bank will be made except by means of a statutory offering document containing information about the Bank. Certain statements in the presentation contain words or phrases that are forward looking statements. We do not have any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after the date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not cometofruition. This presentation is nota full description ofthe Bank. Actual results may differ materially from those suggested by the forward-looking statements due to certain risks or assumptions or uncertainties associated with our expectations with respect to, but not limited to, our ability to implement our strategy successfully, levels of our nonperforming loans, growth and expansion, the adequacy of our allowance for credit and investment losses, changes in technology, investment income volatility, our ability to market new products, the outcome of any legal, tax or regulatory proceedings in India and in other jurisdictions we are or become a party to, new accounting standards, our ability to declare and pay dividends, the impact of changes in banking regulations and other regulatory changes on us in India and other jurisdictions, our ability torollover our short-termfunding sources and ourexposure to marketand operational risks and any other risks. All information contained in this presentation has been prepared solely by the Bank and based on management information, current plans and estimates. No information contained herein has been independently verified by anyone else. No representation or warranty (express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness, completeness or accuracy of any information, projection, representation or warranty (expressed or implied) or omissions in this presentation. This presentation may not be used, reproduced, copied, distributed, shared, or disseminated in any other manner. The distribution of this document may be restricted by law in certain jurisdictions and persons into whose possession this presentation comesshould informthemselves about, and observe, any such restrictions. Totals in some columns/ rows may not agree due to rounding off. Figures for the previous period/ year have been regrouped / restated wherever necessary to conformto current period’s /year’spresentation. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. All figures in this presentation are in INR Croresunless mentioned otherwise. PAT at Rs. 155 Crs, Continued reduction in Slippages • Q1 PAT of Rs 155 crores higher by 52% YoY, with improving NIM and reducing Cost of Funds NIM CoF 8.0% 7.9% 7.7% 7.5% 7.4% • Slippages for Q1 FY27 is lower by 43% vs Q1 FY26 and 13% lower QoQ 7.5% 7.2% 6.6% 6.5% 6.6% • Net credit cost % at 0.45%; same as best quarter of last year i.e. Q4 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 • Assets growth of 26% YoY; Secured assets growth 29% • Overall SMA increased marginally QoQ which is seasonal in nature Total SMA (%) Slippages (in Rs. Crs) 6.0% 590 • Deposit book grew by 22% YoY with CASA growth of 31% YoY 5.0% 3.5% • Tier-1 Capital of Rs. 728 crores approved via Share Warrants under 4.4% 3.9% Preferential route, Rs. 103 crores received in June-2026; TVS Venu Group Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 await RBI approval for 9.99% stake Total SMA data excludes Gold Loan Portfolio Bank BAU post promoter rating downgrade • JHL and JCL, currently promoters of the Bank has a technical default on NCD payment as they extended the tenor by 6 months to give them time to sell their stake. • JHL holds 16.9% stake in the Bank from a peak of 44%. JHL and JCL will apply for de-promoterisation to SEBI and RBI post reduction of stake to less than 9.99% • JHL has not contributed any capital to the Bank since June-2022. • JHL does not have any Board member on the Bank and vice versa • No cross-default linkage between JSFB debt and JHL/JCL debt • Bank has been put under “watch” consequent to the action on JCL and JHL by India Rating, however, Business As Usual (BAU) • CARE Ratings has retained the Rating of the Bank and no action taken CASA growth of 31% YoY; with improved NIMs and reduced CoF • Deposits and CASA – • Total Deposits at Rs. 35,756 crores; CASA at Rs. 6,871 crores a growth of 31% YoY • Cost of Funds at 7.4% for Q1 FY 27 from 7.97% in Q1 FY 26 • NIM improves from 6.6% for Q1 FY 26 to 7.5% in Q1 FY 27 • Secured Assets – • 29% y-o-y growth and 4% QoQ growth; Secured Book @ 72.8% • Disbursements of Rs. 4,199 crores (excluding NBFC) in Q1 FY 27 higher by 15% YoY • Unsecured Assets – • QoQ growth in Portfolio by 2.8%, YoY growth of 17.9% • Disbursements of Rs. 1,943 crores in Q1 FY 27 higher by 34% YoY • Slippages for Q1 FY 27 down by 19% vs Q4 FY 26 • ~80% of Unsecured book1 covered under Guarantee program • Cost rationalization in progress– • Opex growth nominal 1.5% QoQ • Headcount flat from previous quarter • Focus on AI and RPA led automation across function and business; showing early signs of productivity benefits 1The data related to Unsecured book excludes the Direct assignment purchase of Rs. 186 crs GNPA moderates to 2.24% — lower sequentially and annually Particulars Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY 27 Credit Cost 187 191 266 195 178 Less: Recoveries under Other Income 31 33 25 39 12 Net Credit Cost 156 158 241 156 166 Net Credit Cost % of average GLP 0.52% 0.51% 0.74% 0.45% 0.45% GNPA Movement Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY 27 Opening GNPA Balance 750 825 871 829 847 Additions during the period1 515 590 438 334 291 Less: Recoveries & Write offs 440 544 480 316 297 Closing GNPA Balance 825 871 829 847 841 GNPA2 2.76% 2.75% 2.49% 2.33% 2.24% NNPA2 0.89% 0.90% 0.90% 0.87% 0.85% PCR 68.15% 67.93% 64.44% 63.10% 62.64% 1Additions/Reductions to GNPA presented for the quarter exclude any intra-quarter additions and reductions i.e., Loans which slipped into NPA during the quarter, and which got subsequently upgraded/written off within the same quarter are excluded I 2Ad [Showing first 8,000 characters — download PDF for full document]