Equitas Small Finance Bank Limited has informed the Exchanges regarding the Investor presentation for Q1FY2026-27

July 28, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza Phiroze Jeejeebhoy Towers Bandra Kurla Complex Dalal Street Mumbai – 400 051 Mumbai – 400 001 Symbol : EQUITASBNK Scrip Code : 543243 , 976218 & 976979 Dear Sir Sub: Submission of Investors presentation Pursuant to Regulation 30 and other applicable clauses of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Investors presentation on the Unaudited Financial Results of the Bank for the quarter ended June 30, 2026. The same is also available on the website of the Bank and can be accessed using the below link https://ir.equitas.bank.in/wp-content/uploads/2026/07/ESFB-InvestorPresentation_Q1FY27.pdf Kindly take the above information on record. Thanking you, Yours faithfully, For Equitas Small Finance Bank Limited N Ramanathan Company Secretary Encl: a/a Q1FY27 The information in this document, including facts and figures, is being provided by Equitas Small Finance Bank Limited (the “Bank”) for informational purposes only and could be subject to change without notice. The information has also not been independently verified. No representation or warranty, express implied, is made as to the accuracy, completeness or fairness of the presentation and the information contained herein and no reliance should be placed on such information. The Bank or any other parties whose name appears herein shall not be liable for any statements made herein or any event or circumstances arisingtherefrom. This presentationor anypartof it or the factof its, formthe basisof, or berelied on in connection with, anycontractor commitmenttherefore. This document has not been and will not be reviewed or approved by any statutory or regulatory authority in India or any other jurisdiction or by any stock exchanges in India or elsewhere This document and the contents hereof are restricted for only the intended recipient(s). This document and the contents here of should not be (forwarded or delivered or transmitted in any manner whatsoever, to any other person, other than the intended recipients(s) or reproduced in any mannerwhatsoever.Anyforwarding,distributionor reproducingof this document in whole or in partis unauthorized. Total in some columns / rows may not agree due to rounding off. GNPA ,NNPA & Gross Advances across the presentation refers to GNPA, NNPA & Gross Advancesincluding IBPC sold & Direct Assignmentunless mentioned.CrsdenotesCrore throughout this presentation,unlessspecifiedotherwise Forward Looking Statements: Certainstatementsin this document withwordsor phrasessuch as“ will”,“etc. andsimilarexpressions orvariationof these expressionsor those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements, due to a number of risks or uncertainties associated with the expectations. These risks and uncertainties include, but not limited to, our ability to successfully implement our strategies, change in government policies etc. The Bank may, from time to time, make additional written and oral forward looking statements, includingstatementscontainedin the Bank’sfilingswiththe stock exchangesandour reportsto shareholders. The Bankdoes not undertaketo updateanyforwardlooking statementsthatmaybe made fromtime to time byor on behalfof the Bank. Key Highlights 2 Financial Performance 3 Assets 4 Asset Quality 5 Liabilities 6 Financials 7 Other Updates 8 Beyond Banking Operational Asset Offerings Liability Profile Financials Gross Advances: Rs. ^47,641 Cr [Rs. 37,610 Cr] Total Deposits: PAT for Q1FY27: 16 States and 2 UTs Rs. 48,976 Cr [Rs. 44,345 Cr] SBL -40%, VF -23%, Rs. 184 Cr [Rs. -224 Cr] CASA –25%, TD –75% MFI -13%, HF -13% MSE -5%, NBFC -4% Disbursements for Q1FY27: Third Party Products: Shareholders funds: Rs. 6,784 Cr [Rs. 3,511 Cr] LI & GI Premium- 1063 Banking Outlets SBL -28%, VF -23%, Rs. 25 Cr [Rs. 32 Cr] CRAR –19.44% 396 ATMs# Tier I -16.01% MFI -20%, HF -8% , MSE - Mutual Fund AUM- Tier II -3.43% 4%, NBFC -11%, Others -5% Rs. 518 Cr [Rs. 473 Cr] Asset Quality: GNPA: 2.36% [2.82%] Cost of Funds for Q1FY27: 366 Business NIM for Q1FY27: *GNPA: 2.31% 7.05% [7.49%] Correspondents 7.24% [6.37%] NNPA: 0.70% [0.95%] SA –5.29%, TD –7.74% PCR: 71.02% [67.03%] Yield on Gross Advances: CASA Ratio: RoA: Q1FY27 at 1.18% [-1.68%] 27,720 employees 15.74% for Q1FY27 [16.06%] 25% [29%] RoE: Q1FY27 at 11.76% [-15.02%] Figures in [] represent Q1FY26 data|*Advance for the purpose of GNPA/NNPA calculation includes Securitization book|^Gross Advances includes IBPC, Securitization & DA #394 onsite and 4 offsite ATMs 23.94% 23.08% 23.21% 22.48% 22.43% 22.60% 16.33% 16.06% 15.73% 15.44% 15.51% 15.74% 15.31% 15.28% 15.06% 14.97% 14.85% 14.89% 13.1% 10.7% 9.0% 8.7% 9.5% 10.5% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MFI Mix on Avg Basis Overall Yield MFI Yield Non MFI Yield Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Overall yield excluding Direct assignment book which was bought in Q3FY26 increased by ~20 bps Overall Yield excl. D.A 16.06% 15.73% 15.63% 15.65% 15.86% for Q1FY27 NIM (on Daily Average Basis) 7.36% • Effective Q1FY27, NIM is represented 7.24% based on daily average interest-earning assets, replacing the earlier methodology based on the average of 6.75% opening and closing interest-earning assets for the quarter. Prior-period NIMs have been restated for comparability, 6.37% 6.34% wherever applicable. • NIM was impacted by quarter-end deployment of surplus liquidity into SDF and increase in cost of funds Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 NIM ( On Opening and Closing Average basis)* 6.55% 6.29% 6.72% 7.29% 7.07% *Earlier Methodology 7 MFI advances are 20%+ growth in overall expected to be maintained at advances for FY27, driven by around 10% of the overall growth Across products advances. With these positive levers in place, we expect to achieve an exit ROA of about 1.5% in Q4FY27. For full year FY27, we expect ROA of ~1.2% Q4FY26 credit costs benefited Cost to Income is expected to from seasonal factors. Going moderate further in H2FY27 driven forward, we expect credit costs by Operating leverage with growth to normalize, with a marginal in advances. Q1FY27 will be increase and stabilization elevated due to annual increments towards FY27 Particulars Q4FY26 Q1FY27 Variance • ROA moderated sequentially, Interest Income 12.62% 12.56% -0.06% primarily driven by a marginal Interest Expense 5.88% 5.96% 0.08% decline in NII and a slight increase in credit costs, reflecting typical Q1 NII 6.74% 6.60% -0.14% seasonality. Other Income 1.78% 1.60% -0.18% • We are in line with our stated Net Income 8.52% 8.20% -0.32% guidance of ~1.2% RoA for full year FY27 Opex 5.75% 5.61% -0.14% PPOP 2.77% 2.59% -0.17% Credit Cost 0.85% 1.03% 0.18% PBT 1.92% 1.56% -0.35% PAT / RoA 1.46% 1.18% -0.29% RoE 14.10% 11.76% -2.34% Dupontanalysis is based on average total assets for the quarter, calculated using the opening and closing balance sheet asset balances. Assets • Overall Disbursements at Rs. 6,784 Crore in Q1FY27, a growth of 93% YoY & a decline of 8% QoQ • Non MFI Disbursements at Rs. 5,441 Crore in Q1FY27, a growth of 68% YoY & a decline of 7% QoQ • Gross advances grew by 27% YoY & 3% QoQ supported by robust disbursements across verticals. Excluding the Direct Assignment outstanding of Rs.837 Crore, Overall bank Advances grew by 24% YoY & 4% QoQ • Non MFI book grew 22% YoY, led by 24% growth in HF, 28% in MSE and 179% in Gold Loan over previous year. Our Flagship product SBL grew by 15% YoY. • BL advances, a part of SBL (Small Business Loans), has grown 32% YoY contributing 34% of the overall SBL portfolio. • Used Car and Used CV Advances have registered a growth of 30% YoY and 25% YoY respectively. Vehicle Finance portfolio is shifting towards used segments as per earlier guidance. Liabilities • Overall deposit [Showing first 8,000 characters — download PDF for full document]