Investor Presentation

25th July, 2026 National Stock Exchange of India Limited, BSE Limited, Exchange Plaza, Plot No. C/1, G Block, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, 21st Floor, Dalal Street, Bandra (East), Mumbai – 400051. Mumbai – 400001. NSE Symbol: SBFC BSE Scrip Code: 543959 Sub: Investor Presentation Dear Sir/Madam, In furtherance to our letter dated 22nd July, 2026 intimating about Earnings Conference Call, please find enclosed the investor presentation which will be referred during the earnings call scheduled to be held today i.e. Saturday, 25th July, 2026 at 05:00 P.M. (IST) with investors in connection with the financial results of the Company for the quarter ended 30th June, 2026. The presentation would also be available on website of the Company at https://www.sbfc.com/investors. We request you to take this on record. Thanking you, Yours faithfully, For SBFC Finance Limited Sanket Agrawal Chief Financial Officer Encl: as above SBFC Finance Limited Registered Office: Unit No. 103, 1st Floor, C&B Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East) Mumbai - 400 059 T. : +91-22-67875300 • F : +91-22-67875334 • www.SBFC.com • Email: complianceofficer@sbfc.com CIN No : L67190MH2008PLC178270 Investor Presentation Q1 FY 2027 Safe Harbor This presentation and the accompanying slides (‘Presentation”), which have been prepared by SBFC Finance Limited (the "Company"), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Forward looking statements concerning the Company's future business prospects and business profitability are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of the forward looking statements become materially incorrect in future or update any forward looking statements made from time to time by or on behalf of the Company. Executive Summary – Jun 2026 Profitability Profit after tax grew 29% YoY to ₹130 crore for the quarter. Growth AUM grew 27% YoY and 6% QoQ to ₹11,922 crore. Credit Quality Gross NPA at 2.66% with PCR of 42% Operating Efficiency Cost-to-AUM ratio improved by 30 bps YoY to 4.29%. Return Ratios RoA of 4.53% and RoE of 14.73% for the quarter. Executive Summary – Q1 FY27 YoY QoQ Asset Under Management Disbursement1 Branches 11,922 809 256 +27% +6% - 3% +41 +5 Gross NPA Yield Spread Opex to AAUM 2.66% 17.90% 9.48% 4.29% -12 bps +5 bps -9 bps +29 bps +81 bps +39 bps -30 bps +36 bps PAT RoAAUM RoATE 130 4.53% 14.73% +29% +6% +3 bps -4 bps +120 bps +25 bps 1Secured MSME All figures are in Rs. crore Executive Summary 256 branches Team: Experienced, cycle-tested, professional 201 Cities management with strong corporate governance 18 States backed by marquee investors 2 UTs Focused Segment: Offering Secured MSME loan to small businesses with focus on ₹5 lakh - ₹30 lakh ticket size Opportunity: Market size (₹5 lakh - ₹30 lakh MSME financing) of ₹4.61 lakh crore, growing at 23%2 Pan-India Footprint: Diversified pan-India network with presence in 18 states & 2 UTs Credit Underwriting: Understanding of segment with a tested credit underwriting and risk management framework 1 As of Mar-26 (Source – CRIF Data); 2 CAGR period over FY18 to FY26 (Source – CRIF Data) SBFC Focus Segment – Customers Borrowing ₹5 Lakh to ₹30 Lakh Large segment within MSME of ₹4.6 lakh cr and growing at CAGR 23% Segment Market Size1 (₹ tn) CAGR2 (%) >₹0.3 cr 11.9 19.8% Focus ₹0.05– 0.3 cr 4.6 23.2% Segment <₹0.05 cr 0.7 23.5% Total 17.2 18.7% Source: CRIF Data; 1 As of Mar-26; 2 CAGR period over FY18 to FY26 6 PAT crossed AUM crossed 125 cr in a INR 10,000 cr quarter Our Journey in Q3 FY26 CARE, ICRA Ratings Upgraded Equity Listing on NSE us to ‘AA-’ in Q2 11,922 and BSE. India FY25. 11,270 ratings upgraded us 1,50,000 to ‘AA -’ Included in customers MSCI Global Small Cap Index 8,747 1,00,000 customers 150 Branches 150 cr PAT Credit rating upgraded to ‘A +’ 6,822 50,000 customers 451 100 Branches 4,943 AUM of INR Investment by 1000cr 3,192 237 Clermont and Arpwood group 2,221 150 1,648 1,156 65 3 25 2018 2019 2020 2021 2022 2023 2024 2025 2026 Q1 2027 All figures in ₹ Cr AUM PAT Management Experienced, cycle-tested, professional management Aseem Dhru Mahesh Dayani Sanket Agrawal Rajiv Thakker Executive Vice Chairman MD & CEO Chief Financial Officer Chief Risk Officer Ganesh Vaidya Sumeet Ghai Namrata Sajnani Agnivesh Kumar Akruti Mashkaria Chief Technology Officer Chief Human Resource Officer Chief Compliance Officer & CS Head – Operations Head – Internal Audit Board of Directors Strong corporate governance backed by long term investors Neeraj Swaroop Koni Uttam Nayak Surekha Marandi Chairman of the Board Ex Senior Vice President, Ex Executive Director, Ex CEO – SCB, Singapore Visa Direct Organization RBI at Visa Independent Ravi Venkatraman Ex Executive Director & CFO, Mahindra & Mahindra Financial Services John Mescall Jonathan Tatur Leroy James Langeveld Managing Director Senior Vice President Country Head - UAE Clermont Group Clermont Group Clermont Group Executive Aseem Dhru Mahesh Dayani Directors Executive Vice Chairman MD & CEO Shareholding Shareholding Pattern Category of Shareholders % Share# 13.68% Promoter 20.71% Clermont Group 52.31% 52.31% Other Major Shareholders 6.08% 7.22% SBI Mutual Fund 8.10% Aditya Birla Sun Life 5.14% Amansa Capital 4.00% Promoters Foreign Portfolio Investors Malabar Funds 3.20% Foreign Companies Mutual Funds, AIF, Insurance, Banks Individuals, Bodies Corporate Management & Employees hold 6.9% of diluted share capital # Non-diluted Status as on June 30, 2026 Business Momentum Delivering Consistent AUM Growth YoY : 27% QoQ : 6% CAGR: 29% 11,922 11,270 11,270 8,747 9,351 22% 6,822 17% 17% 79% 79% 78% 83% 83% Mar-24 Mar-25 Mar-26 Q1 FY 26 Q4 FY 26 Q1 FY 27 Secured MSME LAG Others Secured MSME LAG Others All figures in ₹ Cr. AUM 11 Business Momentum – Secured MSME AUM ATS in ₹ Lakhs Disbursement Value Disbursement Volume YoY: 20% YoY: - YoY: -11% QoQ: 4.5% QoQ: 3% QoQ: 1% 8,619 9,271 8,873 809 785 809 7,597 7,700 7,744 9.38 10.34 10.51 Q1 FY 26 Q4 FY 26 Q1 FY 27 Q1 FY 26 Q4 FY 26 Q1 FY 27 Q1 FY 26 Q4 FY 26 Q1 FY 27 AUM Secured MSME All figures in ₹ Cr Business Momentum Co-origination – Validates our profitable origination Co-origination Disbursement (₹ Cr) Co-origination AUM (₹ Cr) %1 12% 16% 10% 20% 19% 19% 122 1,708 1,719 1,523 Q1 FY 26 Q4 FY 26 Q1 FY 27 Q1 FY 26 Q4 FY 26 Q1 FY 27 1Percentage is on Total Secured MSME Loans Business Momentum No con [Showing first 8,000 characters — download PDF for full document]