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August 26, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, Dalal Street, Fort, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, Sub: Presentation made to the members during the Third Annual General Meeting (Post Listing) of the Company The presentation made to the members during our Third Annual General Meeting (Post Listing) of the Company, held today i.e. August 26, 2026, is attached. The said presentation is also available on the Company’s website at https://www.jfs.in/statutory-filings/. This is for information and records. Thanking you, Yours faithfully, For Jio Financial Services Limited Mohana V Group Company Secretary and Compliance Officer Encl: as above Jio Financial Services Limited Registered Address: 1st Floor, Building 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai - 400051, India +91 22 3555 4094 | www.jfs.in | investor.relations@jfs.in | CIN: L65990MH1999PLC120918 Annual General Meeting 2026 August 26, 2026 Hitesh Sethia Managing Director & Chief Executive Officer Jio Financial Services Limited Safe Harbor This presentation contains forward-looking statements which may be identified by their use of words like “plans,” “expects,” “will,” “anticipates,” “believes,” “intends,” “projects,” “estimates” or other words of similar meaning.Allstatementsthataddressexpectationsorprojectionsaboutthefuture,including,butnotlimitedto, statements about the strategy for growth, product development, market position, expenditures, and financial results,areforward-lookingstatements. Forward-looking statements are based on certain assumptions and expectations of future events. The companies referred to in this presentation cannot guarantee that these assumptions and expectations are accurateorwillberealised.Theactualresults,performanceorachievements,couldthusdiffermateriallyfrom thoseprojectedinanysuchforward-lookingstatements.Thesecompaniesassumenoresponsibilitytopublicly amend, modify or revise any forward-looking statements, on the basis of any subsequent developments, informationorevents,orotherwise. Favourable macroeconomic tailwinds Robust Fundamentals… …Driving strong growth in Financial Services in India 45.5% of GDP vs. EME^ 7.7% in FY26 vs. Rs. 156.6 lakh crore* GDP Growth average of 55.1% in global growth of 3.5% Total Household Debt September 2025 21% of GDP in FY26 vs. Retail Rs. 73.7 lakh crore 2.1% in FY26 from 4.6% in FY25 global average of 74% in Inflation Mutual Fund AUM 2025 Penetration rate of 3.8% in Reduced by 100bps to 5.25% Rs. 13.3 lakh crore Repo Rate FY26 vs. global penetration during FY26 Total Insurance Premium rate of 7.2% in 2025 UPI emerged as the world’s Rs. 314 lakh crore FX Reserves USD 707 bn as of August 07, 2026 largest real-time payment UPI Transaction Value system Source: Government of India Press Information Bureau, International Monetary Fund, The Reserve Bank of India, RBI Financial Stability Report June 2026, AMFI Annual Report 2026, IRDAI Annual Report 2025, NPCI, Investment Company Institute (http://www.ici.org, Document link), Allianz Global Insurance Report 2026 (link) 3 *Based on trailing 12-month nominal GDP, ^EME Emerging Market Economies comprising Thailand, Malaysia, China, Chile, Brazil, South Africa Focused & disciplined execution… Operational Strong momentum across verticals with focus on governance & Rs. 30,000 Cr+ Rs. 18,000 Cr+ Excellence quality NBFC AUM* AMC AUM* ~34,000 Product Innovative, industry-first products (incl. Neural Agentic 6.0%** p.a. Daily purchases Innovation Marketplace) setting benchmarks for financial services in India Savings Pro yields on marketplace 56% 76% Operating AI and tech-led systematic optimization of costs driving unit AI/ML-led customer Lower TAT for credit Leverage economics at scale conversion on app assessment by JCL ~Rs. 2,900 Cr^ Prudent Capital Investment decisions calibrated to each business’ stage of Equity invested in subsidiaries & JVs in Allocation maturity and risk-adjusted return potential FY26 Transitioned from foundation-laying to operating at meaningful scale *NBFC and AMC AUM as of Q1 FY27; **Based on average 3-year annualisedreturn of overnight mutual funds in India. Actual returns may vary; 4 ^includes amount paid to SBI for acquisition of remaining stake in Jio Payments Bank Limited … while bringing the best to India via marquee partnerships Managing over USD 15 tn in AUM Total assets of USD 3.4 tn serving 135+ years of experience, active in across over 40 markets helping more than 35 countries and/ or ~70 countries & serving ~97 mn millions invest with a track record jurisdictions with over two centuries customers*, total business volume of nearly 40 years of industry experience of EUR 186.9 bn in 2025 Asset Management, Wealth Reinsurance, General & Health Lending^ Management & Broking Insurance, and Life Insurance** JFSL emerges as preferred partner for pedigreed global financial institutions looking to tap India growth story *Private and corporate customers; as of December 31, 2025; consolidated entities in the customer reporting scope, **Signed non-binding agreement for proposed Life 5 Insurance JV, ^Subject to regulatory and statutory approvals FY26: Firing on all cylinders… NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr in Rs. Cr in Rs. Cr 2.4x 2.5x 1.8x 52,226 25,622 544 295 21,404 10,074 12,660 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Insurance Premium Facilitated AMC Closing AUM^ Unique users across all digital properties in Rs. Cr in Rs. Cr mn 2.6x 982 15,218 895 9 0 0 0 FY24 FY25 FY26 FY24^ FY25^ FY26 FY24^^ FY25 FY26 *Includes Current Account, Savings Account and Wallets, **Total Payment Value, ^ Launched in June2025, ^^ JioFinanceapp was launched on May 30, 2024 … Leading to sustained growth momentum… BORROW INVEST • Bank of America (BofA) entered into a JV agreement with • Asset management company (AMC) launched 14 mutual JFSL for up to 49.9% in Jio Credit Limited (JCL) in August 2026* fund schemes, 1 ETF and 1 SIF since June 2025 • JCL total disbursements of ~Rs. 30,000 Cr in FY26 • Wealth management launched personalised investment • Among the lowest cost of borrowing of 7.12% in FY26 advice & wealth check-up powered by Aladdin® TRANSACT PROTECT Reinsurance JV commenced operations in March 2026 Jio Payments Bank Limited launched Savings Pro, begins Incorporated 50:50 JV to offer general insurance & health tolling operations, including Multi-Lane Free Flow insurance in India Jio Payment Solutions Limited launched cross-border Non-binding agreement for JV to offer life insurance in India collection services for Indian exporters signed in July 2025 DIGITAL STOREFRONT JioFinance App: A Neural Agentic Marketplace for hyper-personalised services offering loans, credit cards, fixed deposits, insurance, digital gold and more *Subject to regulatory and statutory approvals INVEST BORROW Digital-first, world-class investment solutions Suite of retail and corporate lending products JVs with BlackRock Jio Credit Limited (JCL) Asset management Wealth management Securities broking Jio Insurance Broking Limited (JIBL) Jio Payments Bank Limited (JPBL) JVs with Allianz for Reinsurance, Jio Payment Solutions Limited (JPSL) General and Life* Jio Finance Platform and TRANSACT Services Limited PROTECT Powering seamless digital payments for (JFPSL) Insurance for individuals and institutions individuals and merchants …While investing in scaling growth, incubating new ventures Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) Consolidated PAT in Rs. Cr in Rs. Cr in Rs. Cr 3,274 1,605 1,613 1,313 1,353 1,357 1,561 1,838 1,638 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Rs. 0.60 Rs. 1.34 lakh crore Dividend recommended by Board of Directors per Total Shareholders’ Equity as of March 31, 2026 equity share of face value of Rs. 10 each fo [Showing first 8,000 characters — download PDF for full document]