Please find attached press release

JSFB/SEC/2026-27/94 23rd October 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 and half year ended 30th September 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 H1 FY27 Earnings update H1 PBT equal to last FY PBT. Guidance for FY27 PAT raised to 100% increase y-o-y Highest ever PBT at Rs 170 Crs for Q2 FY27, higher by 127% y-o-y Improving GNPA at 2.17% and NNPA at 1.08% on GLP NNPA to be below 1% considering claim lodged and expected in Q3 under Guarantee programs for Rs 68 crores GLP growth of 22% y-o-y & Deposits growth of 17% y-o-y Secured Assets up 24% y-o-y with Secured book share at ~74% Operating expense lower than previous quarter. Bengaluru, Oct 23rd, 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 September, 2026. Key Highlights for Q2 FY27 performance:  Asset GLP stands at ₹38,752 crores, growing by 22% y-o-y (3% q-o-q); 73.7% of GLP is now secured  Secured assets grows by 24% y-o-y (4% q-o-q) and Unsecured grows by 17% y-o-y  Total Deposits stands at ₹38,221 crores o Deposits growth of 17% y-o-y o CASA grows by 13% y-o-y; TD growth of 19% y-o-y o Credit to Deposit ratio stands at 92.7%  Capital Adequacy ratio at 20.0% with Tier-1 CRAR of 18.2%  GNPA ratio is 2.17% and NNPA ratio is 1.08%  PAT of ₹170 crores for Q2 FY27 growth of 127% y-o-y  NIM improves from 6.5% for Q2 FY26 to 7.5% in Q2 FY27  Operating leverage working with Costs marginally lower q-o-q  Cost to Income ratio improved from 67% to 64% q-o-q Commenting on the performance, Mr. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said “We are focused on delivering on our strategy of 80% secured assets with disciplined execution to get cost optimization. We continue to increasingly invest in digital and in AI led processes. The credit quality of the asset book is stable and we can see opportunities to grow in all our secured loans products. Our CASA is an area where we are very focused on improving in H2.” Profit and Loss Statement: Particulars (in ₹ Crore) Q2 FY26 Q1 FY27 Q2 FY27 Interest Income 1,294 1,515 1,587 Interest Expense 686 732 768 Net Interest Income 608 782 819 Other Income 246 227 229 Operating Income 853 1,009 1,047 Operating Expenses 587 676 674 Operating Margin 266 333 374 Provisions and Contingencies 191 178 203 Profit Before Tax 75 155 170 Taxes - - - Profit After Tax 75 155 170 Balance Sheet: As at As at As at Particulars (in ₹ Crore) 30th Sep 2025 30th June 2026 30th Sep 2026 CAPITAL AND LIABILITIES Capital 105 105 106 Share Warrant Application Money - 103 103 Reserves & Surplus 4,209 4,524 4,712 Deposits 32,532 35,756 38,221 Borrowings 3,810 4,659 5,248 Other liabilities and provisions 1,531 1,691 1,726 TOTAL 42,188 46,838 50,115 ASSETS Cash and Balances with RBI 2,334 1,555 3,052 Balances with banks 349 1,179 283 Investments 8,644 8,298 10,062 Advances 29,743 34,699 35,445 Fixed Assets 177 206 247 Other Assets 940 902 1,026 TOTAL 42,188 46,838 50,115 Key Ratios: Particulars Q2 FY26 Q1 FY27 Q2 FY27 CASA to Total Deposit (%) 18.3% 19.2% 17.6% Net Interest Margin 6.5% 7.5% 7.5% Cost to Income Ratio 68.8% 67.0% 64.3% Return on Average Assets 0.7% 1.4% 1.4% Return on Average Equity 6.9% 13.6% 14.2% Capital Adequacy Ratio (CAR)1 20.7% 20.2% 20.0% Gross NPA (%)2 2.8% 2.2% 2.2% Net NPA (%)2 0.9% 0.8% 1.1%# 1Quarterly CAR includes interim period profits 2Advances for the purpose of GNPA/NNPA calculation includes Securitization book. #NNPA to be below 1% considering claim lodged and expected in Q3 under Guarantee programs for Rs. 68 crores 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 20 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 829 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 September 2026 unless specified otherwise July 2026 – Bank has been awarded the IBA Banking Technology Award for Identity & Access Management in the Small Bank category at the 5th IBA CISO Summit & Citations 2026, held at Taj President, Mumbai, on July 10, 2026. This prestigious recognition underscores the Bank's continued commitment to strengthening its identity and access management framework, enhancing information security and delivering secure, seamless digital banking experiences to its customer. September 2026 – Bank has been awarded the Best-in-Class Social Customer Experience in Banking award at WeKonnect 2026 by Konnect Insights, with the event hosted in Mumbai. The recognition acknowledges the Bank’s commitment to creating meaningful customer experiences through social media and strengthening customer engagement by listening, learning and serving better. September 2026 – Jana Small Finance Bank’s “Jana Bank x Bharat Ke Super Founders” campaign won a Bronze Award under the Excellence in Sponsorship & Partnerships category at the ET DigiPlus Awards 2026, recognising the campaign’s impactful approach to brand partnerships and audience engagement. The award was handed over on 25th September, at an event hosted in Gurgaon. 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