Please find attached investor presentation

JSFB/SEC/2026-27/97 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: Investor Presentation for the quarter and half year ended 30th September 2026 Ref: Regulations 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find enclosed herewith, investor presentation on the business and financial performance of the Bank 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 Q2 and H1 FY27 Investor Presentation 23rd October 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. Highest ever PBT Rs. 170 crs Quarter with YoY growth of 127% Operating Income Operating Expense • Q2 PAT of Rs. 170 Crs higher by 127% YoY and 10% QoQ 1,049 1,001 1,009 • NII increase 35% YoY and 5% QoQ • Operating cost increase 15% YoY and decreased 0.4% QoQ 666 676 671 • Secured Assets has increased to 73.7% from 72.5% in Mar-26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 • NIM improvement from 6.5% to 7.54% YoY with improvement in Cost of Funds from 7.9% to 7.4% YoY • GNPA1 reduces to 2.17% and NNPA at 1.08%. NNPA will reduce to <1% after claim lodged is settled in Q3 • PAT for H1 FY27 at Rs. 326 Crs v/s PAT Full year FY 26 of Rs. 326 Crs. Hence, guidance of 80% increase in PAT revised upwards to 100% 1Advances for the purpose of GNPA/NNPA calculation includes IBPC & Securitization Book GNPA moderates to 2.17% — lower sequentially and annually GNPA Movement Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY 27 Q2 FY 27 Opening GNPA Balance 825 871 829 847 841 Additions during the period1 590 438 334 291 400 Less: Recoveries & Write offs 544 480 316 297 402 Closing GNPA Balance 871 829 847 841 839 GNPA2 2.75% 2.49% 2.33% 2.24% 2.17% NNPA2 0.90% 0.90% 0.87% 0.85% 1.08% PCR 67.93% 64.44% 63.10% 62.64% 50.62% • Slippage to start downward trend following drop in SMA. Total SMA (%) Slippages (%) 7.8% • One timers: 7.0% 5.5% • One single account impacting by 0.2% in Slippages 6.0% 4.4% 4.1% which is a secured loan 3.2% 5.0% 3.5% 4.4% 3.9% • Drought impact in Assam , Maharashtra and Karnataka 3.8% is 0.3% on slippages Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 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 2Advances for the purpose of GNPA/NNPA calculation includes IBPC & Securitization Book 4 Additional Provisioning to maintain NNPA under 1% held back due to expected claim receipt in Q3 NPA Book under INR crs GNPA Provision NNPA Guarantee Individual loans 158 57 101 122 FY 27 ~ Rs. 68 Crs FY 28 ~ Rs. 251 Crs Group Loans including BC 515 320 195 196 Unsecured Book1 673 377 296 319 • Claim of Rs. 68 crores lodged with the CGFMU and CGTMSE. Claim expected in Q3. • Awaiting CGFMU scheme extension for FY 27 for guarantee for fresh disbursals. P&L impact of the same already accounted for in our guidance. • CGFMU and CGTMSE coverage is 36% and is expected to be 70% to 75% after CGFMU opens. 1The data related to Unsecured book excludes the Direct assignment purchase of Rs. 109 crs Net Credit cost to be under 2% for the FY • Credit cost has peaked in Q2 for this FY, given change in MFI collection ratios in Q3 of previous year • Recoveries under Other Income restated to include post SR maturities recoveries. Particulars Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY 27 Q2 FY 27 Credit Cost 191 266 195 178 203 Less: Recoveries under Other Income 36 30 48 19 15 Net Credit Cost 156 236 147 159 188 Net Credit Cost % of average GLP 0.51% 0.73% 0.42% 0.43% 0.49% Note: The Bank has lodged a claim of Rs. 68 Crs under the CGFMU and CGTMSE scheme which is yet to be settled. NNPA including the claim will be < 1% Unlocking Value from Our Pan-India Franchise 829 Outlets; Presence in 23 States and 2 UTs Branch Expansion plan for FY271 New Products launch plan TAMIL NADU 12.3% FY 27 H1 Particulars Plan Status MAHARASHTRA 11.5% ODISHA 11.0% New Branches 8 6 MADHYA PRADESH 10.7% Split Branches 30 20 KARNATAKA 8.0% GUJARAT 7.6% Relocations 40 14 RAJASTHAN 6.2% Total [Showing first 8,000 characters — download PDF for full document]