Equitas Small Finance Bank Ltd. · NSE:EQUITASBNK
Equitas Small Finance Bank — Investor Presentation (June 2026)
78 slides from Equitas Small Finance Bank's investor presentation, Jun 11, 2026
Slide 1: Exchange intimation letter under Regulation 30
June 11, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza Phiroze Jeejeeboy Towers Bandra Kurla Complex (BKC) Dalal Street Bandra (east) Mumbai – 400001 Mumbai – 400051 Symbol: EQUITASBNK Scrip Code No.: 543243, 976218 & 976979 Dear Sir Sub: Intimation under Regulation 30 of
Slide 2: Analyst & Investor Meet: From Resilience to Momentum
Equibas |Equitas Small Finance Bank % ANALYST & INVESTOR MEET 1 V • JUNE 11, 2026 FROM RESILIENCE TO MOMENTUM
Slide 3: Disclaimer
Disclaimer 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
Slide 4: Our Journey
Our Journey 2007 2011 2013 Launched Launched Launched Microfinance Vehicle Finance Small Business Loans \ 2020 2018 2016 / Completed the Launched Commenced operations ) IPO & Successful MSE Finance mi as SFB post receipt of / listing of Equitas SFB final approval from RBI / \ 2021 2025 2026 Launched
Slide 5: Start of the bank to FY2026
vs k k k k k 7,150 Crs 1,921 Crs 9.52% 10.00% 58.37% START OF THE BANK FY 2017 * c * III GROSS ADVANCES DEPOSITS COST OF FUNDS PCR 4 A * 46,165 Crs A * LAST FINANCIAL YEAR 46,533 Crs A A * FY 2026 A 6.69% 7.22% 73.03% CAGR: 23% CAGR: 42%
Slide 6: Past initiatives focused on financial inclusion
Past initiatives focused Nationalisation of Banks on financial inclusion Setting PSL targets *’- •‘ I Private Banks Mainstreaming Micro Finance Regional Rural Banks Local Area Banks Small Finance Banks Despite extensive initiatives by the RBI and the government, financial inclusion remains an area o
Slide 7: Challenges in Financial Inclusion
Challenges in Financial Inclusion Differentiated k Operational Risks Collection Challenges k approach to credit =r Credit appraisal relies on field-based ElI cash- flow evaluation, validated b Credit decisions based on field findings High cheque bounce rates - and not on documents * through strong v
Slide 8: Industry Size and Credit Gap
Industry Size and Credit Gap As per SIDBI reportA, the MSME sector in India faces a credit gap of ~ 30 lakh crore, highlighting a significant opportunity ~30 lakh crore ^ for formal lending (MSME Credit gap) I As per NSSO data and estimates*, India has 44 million - self -employed households with sel
Slide 9: Small Finance Banks
SMALL FINANCE BANKS SFBs ARE NICHE BANKING INSTITUTIONS CREATED BY THE RESERVE BANK OF INDIA (RBI) TO ADVANCE FINANCIAL INCLUSION.
Slide 10: Long term Opportunity Runway for SFBs
Long term Opportunity Runway for SFBs Small Finance Banks (SFBs) currently account for about 1.6% of total banking credit, HI r with aggregate advances of around ? 3.4 lakh croreA as on 31st March, 2026 • Out of the estimated ?84 lakh crore unmet credit demand, about ? 42 lakh crore (50% ’ <1 of the
Slide 11: The Impossibility of doing Financial Inclusion
The Impossibility of doing Financial Inclusion k k k Large Banks Medium sized Banks Equitas SFB "For major banks to , k k k have lending to Business per branch (Rs Crs) 500 250 informal segments contributing 10% of their advances, Business per employee (Rs Crs) would require nearly k k a 60% increas
Slide 12: Strengths, weaknesses and opportunities of Equitas
Strong informal credit assessment capability for customers without Ability to mobilize deposits from formal documentation . mainstream depositor segments. Deep expertise in originating and managing small-ticket loans. In competition with all banks. Strong community linkages enabling Perception chall
Slide 13: Diversified Loan products of Equitas SFB
Diversified Loan products of Equitas SFB Q # fllk 9. m 0* O* MICRO VEHICLE MICRO MICRO AGRI FINANCE FINANCE ENTERPRISE LOANS LOANS i YEARS YEARS CATTLE MSME AFFORDABLE GOLD LOANS - LOANS CC /OD HOUSING FINANCE LOANS E YEARS YEARS E YEARS E YEARS Diversified lending products to enable sustained growt
Slide 14: Our Journey Towards Strategic Positioning
Our Journey Towards Strategic Positioning (2] High Scalability Broad based platform of lending products enables high scalability over time Landed Cost Of Funds (LCOF) 12.7% (3 Lower Cost Advantage Landed cost of funds expected to be lower than cost of funds of AAA rated NBFCs over a medium term of 3
Slide 15: Strategic Positioning: Banker of Choice
EDUIEEIS | Equitas Small Finance Bank / ' • < x. * A m $ JkMJi % 1» ar A i ^ / y . 4T ! - A ; ^7 STRATEGIC POSITIONING BANKER OF CHOICE FOR SEMI - FORMAL AND INFORMAL SEGMENT OF CUSTOMERS
Slide 16: Equitas: The Uniquely Placed Bank
Equitas: The Uniquely Placed Bank . Headwinds Behind ^^ •Setting up liability branch & Tech infra and Staff •Compliance cost Riding on Tailwinds •Highly regulated Banking model conducive for scale up •Diversified product platform to ^ support stable growth •Acceptance of 'Small Finance Banks' as a c
Slide 17: Equitas: Customer Segment Coverage
Equitas: Customer Segment Coverage JJ Equitas segment coverage Affluent / HNI Mass Affluent- Formal Mass- Semi Formal Mass Informal Below Poverty Line \ 2007 - 2018 2018 - 2028 2028 - 2031 Formalization within our customer base is expected to strengthen progressively, while we gradually broaden our
Slide 18: Assets
Equitas |Equitas Small Finance Bank ASSETS M CROF NANCE HOUSING FINANCE GOLD LOAN
Slide 19: Product Portfolio: Assets
Product Portfolio: Assets fc»»l Small Business Loans Vehicle Finance Housing Finance Microfinance •Small business - 82% & •Self employed for CVs • Self employed - 62% & • Women self help group Salaried - 18% •Self employed & Salaried for Salaried - 38% ( JLG);Proportion of JLG: 99% •Gross Advances:
Slide 20: Secured Assets Drive Portfolio Stability
Secured Assets Drive Portfolio Stability Our bank has a well diversified portfolio with 88 % b © ing SGCUred book backed by a property / collateral / Gold / Vehicle Secured Book Mix •SBL i •VF •MSE HF Book •NBFC f •GOLD •OTHERS • • Unsecured - 12% • Secured - 88%
Slide 21: Yield on Gross Advances
Yield on Gross Advances Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Overall yield excluding direct assignment book Overall Yield excl. D.A 16.06% 15.73% 15.63% 15.65% which was bought in Q3FY26 remains stable for QUFY26
Slide 22: Branch Expansion Journey: Assets
Branch Expansion Journey: Assets Asset Branches E Gross Advances Per Branch III 630 Nos. lit, Rs. 73 Crs States Advances (%) Branch (%) Delivered strong, productivity-led growth despite a limited increase in branch network, expanding from 528 branches in FY17 to 630 in FY26, while gross advances and
Slide 23: Small Business Loans
EDUltaS |Equitas Small Finance Bank SMALL BUSINESS LOANS
Slide 24: Small Business Loans: Overview
Small Business Loans: Overview Our flagship Small Business Loan is a 700% secured product, backed by a residential property, offering ticket sizes from ?3 lakh to ?50 lakh with tenures of 5 to 75 years, supported by over a decade of strong servicing experience. B B \ Whom we cater to? Major Client S
Slide 25: Small Business Loans: Product Suite
Small Business Loans: Product Suite With 500+ branches and a strengthened operating model underpinned by disciplined underwriting, . SBL is well - positioned to leverage the substantial untapped MSME opportunity The sector's ongoing formalization and evolving credit needs offer meaningful expansion
Slide 26: Small Business Loans: Performance
Small Business Loans: Performance 18559 Portfolio Growth 16383 13152 7069 CP ^ ^ S - 7921 10083 5768 SBL has demonstrated a sustained and 2673 4326 <Jf high- quality growth trajectory, delivering a robust - 27 % CAGR between FY18 26. FY18 FY26 Credit Cost Average 0.66% 1.25% 1.14% - SBL's credit cos
Slide 27: Vehicle Finance
EDUltaS |Equitas Small Finance Bank VEHICLE VEHICLE FINANCE m FINANCE
Slide 28: Vehicle Finance: Overview
Vehicle Finance: Overview Our vehicle finance lending primarily enables skilled drivers to transition into owner - operators, supporting first - generation entrepreneurship in commercial transportation, and is underpinned by a 270+ branch network across key geographies Whom we cater to? 0 Our Pedigr
Slide 29: Vehicle Finance: Product Suite
Vehicle Finance: Product Suite A Sourcing Mix Product Mix Used Commercial Vehicles (UCV) DSA (2% ) • SCV • Average Ticket Size*: ~7.3 Lakhs • Yield Range: 16-18% • Average LTV: 75% A Direct (38%) \ • • LCV HCV A A / A Used Vehicle Dealers (40%) k L k • Others Used Cars Direct (12%) • Average Ticket
Slide 30: Vehicle Finance: Performance
Vehicle Finance: Performance 10626 Portfolio Growth 9456 8324 c 6971 4530 5047 The Vehicle Finance portfolio continues to k 3760 demonstrate a steady growth trajectory, , supported by consistent demand, a strong ill distribution network, disciplined credit practices, U and a focused operating model.
Slide 31: Housing Finance
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Slide 32: Housing Finance: Overview
Housing Finance: Overview Housing Finance portfolio caters to the affordable housing needs of low - and middle- income households, with a focus on . self -employed individuals in the informal sector These loans help families access formal housing finance for own -construction or purchase of affordab
Slide 33: Housing Finance: Performance
Housing Finance: Performance Housing Finance - Overall Housing Finance has demonstrated a sustained - and high quality growth trajectory, delivering a robust 46 % CAGR between FY20 26 - . ^ ^ Incrementally, Housing Finance is being expanded through the existing SBL network. Currently, HF is offered
Slide 34: Microfinance & Microloans Portfolio
Microfinance & Microloans Portfolio Portfolio Growth 6265 5756 - • Microfinance exposure reduced from 46% (FY17) to 10% (FY26) through a calibrated approach . 1 • Last year, We have launched Shubham loans, Individual MFI loans backed by ii cash flow based credit underwriting. It is in the nascent st
Slide 35: MSE & NBFC Portfolio
MSE & NBFC Portfolio Focused on the organized MSE segment, offering working capital (CC / OD) and term loans for capex, aligned to - MSME Portfolio Growth formalized business needs. Distribution anchored in liability branches, leveraging the structured, - relationship- driven nature of the product.
Slide 36: Gold Loan Portfolio
Gold Loan Portfolio Portfolio Growth • Gold loans identified as a strategic focus segment, with momentum visible in portfolio growth trajectory • Transitioned from a liability - branch - led offering to a broader footprint including asset branches, enhancing reach and scalability • Strong and growin
Slide 37: Core Collection Strategy
Core Collection Strategy •Probable bounce customer is identified and targeted •Pre due reminder calling 4 ~ — Reduction in bounce rates from 33% to 29% for SBL product •Increased telecalling allocation from 20% to 35%; target ~60% Tele - •Field allocation to reduce to 40% to optimize costs Calling -
Slide 38: Credit Underwriting
Equitas |Equitas Small Finance Bank CREDIT * 2 x rS dU .Er iijrl Equitas * Hi Fv UNDERWRITING :U CREDIT UN0ERW1VTOG V C V / : I IrtV a all U u% *
Slide 39: Credit Underwriting Process
Credit Underwriting Process A key differentiator for Equitas lies in its proprietary, data-driven credit underwriting framework, built on deep customer insights and extensive field - level experience . Tailored Templates for Ground- Up Risk Governance 30+ Business Profiles Model Design and Process R
Slide 40: Assessment & Risk Control System
Assessment & Risk Control System Sales team prepare online CAM Auto Factoring Decision Engine Random Sampling by Credit Intel team* © Business Income Templates Cash Salary Templates * Daily Wages Assessment RPA (Risk Property Triggering Process Template Variance Analysis Assessment) Executed Policy
Slide 41: Sample Assessment Process
Sample Assessment Process 1771 www Tea Shop JSL ' Provision Shop W.fc- ft *. jf, IH& Assessment: ggg Assessment: S V jm fH • Quantum of milk consumption • Stock and it's break-up i! MMJNl " - J Ji i' • Estimate sales turnover • Estimate shop expenses to arrive < MQVISION • Estimate the stock turnove
Slide 42: Loan Origination Customized for Informal Lending
LOAN ORIGINATION CUSTOMIZED FOR INFORMAL LENDING WORKFLOW Capability to host Lead Channeling 2500 concurrent from Selfe App / • Customer onboarding via E- KYC users; Scope to Direct increase it to 3x • Bureau score Generation LOGIN • Customer 360° & Loan 360° • RE / RC Checks Fully Integrated Indepe
Slide 43: Liabilities
Equihas |Equitas Small Finance Bank LIABILITIES
Slide 44: Liabilities: Deposits
Liabilities: Deposits •Successful transition from an NBFC-led funding Total Deposits 43.102 - - model to a deposit franchise led SFB 16,392 10,788 • Deposits recorded ~42 % CAGR over FY17- FY26, reflecting sustained franchise strength 5.604 • Deposit base scaled from fl.9k Cr to ?46.5k+ Cr, - driven
Slide 45: Branch Network: Liabilities
Branch Network: Liabilities Liability URC Banking 111 Branches I IOf Outlets (BCs) I . === 430 Nos I === 366 y§/ Deposits Per Branch |sMB Rs. 108Crs States Deposits (%) Branch (%) Branch expansion strategy involved higher upfront capex, with major investments Andhra Pradesh 1.82% 1.63% already absor
Slide 46: Product Suite & Distribution
Product Suite & Distribution The Bank through its liability products serves a wide range of mass and mass affluent clientele via physical and digital channels ... Current / Physical Channels Bg Mutual Funds Savings A / C • Banking Outlets • Relationship Managers • Acquisition Channel Term Deposit ft
Slide 47: House of ELITE
House of ELITE Equitas has expanded its ELITE program into Elite Lite, Elite, and ARTHA to strengthen family banking. •Exclusive propositions for HNI families •Enables multi-member, multi-product relationships ELITE ARTHA is Equitas premium Equitas' exclusive family banking family banking propositio
Slide 48: Customer Segment Strategy and Growth Enablers
Customer Segment Strategy and Growth Enablers High Networth QB Business Non Resident Offerings Mass Affluent BEBIB ^ Individuals (HNI) Banking c Products Digital Enablers k V k • Wings • ELITE LITE • EVA • ELITE • ELITE ARTHA • End -to-end digital onboarding ( Assisted + DIY) * Mobile-first engageme
Slide 49: Segment-led multi channel customer acquisition
Segment-led multi channel customer acquisition Targeted Lead Generation Segment- focused sourcing Multi- channel acquisition: (Mass Affluent | HNI | NRI | SME) - •Digital channels: Campaigns, analytics led targeting, - - • Mass: Data driven, activity based ecosystem partnerships acquisition through
Slide 50: Data-driven cross-sell & Relationship Management
Data- driven cross- sell & Relationship Management Analytics-led Cross- sell Engine - •Segment specific playbooks tailored to customer profiles - - - - • Next best product / next best action frameworks driven by analytics - •Propensity and lifecycle based targeting to improve conversion quality Inte
Slide 51: Business Banking Overview
Business Banking Overview Relationship- Led, Transaction- Driven Growth Segment focus: • Retail: Standalone CA | TD Sweep • Txn led CA: QR | POS • Asset relationship: CC/ OD, TL customers •Institutions: VAN | PG | PFMS | Payment solutions Transaction products driving customer acquisition and relatio
Slide 52: Equitas 2.0 Mobile Banking App
Equitas 2.0 Mobile Banking App Selfe SA / FD: Fully digital NTB onboarding for Savings Accounts and Fixed Deposits Get in Touch: Direct in - app connectivity with assigned Relationship Managers Next Generation Cloud Native, future ready platform with: Bharat Connect: Easy bill payments across vertic
Slide 53: Technology
Equitas |Equitas Small Finance Bank _ i TECHNOLOGY o / CLOUDS INFRASTRUCTURE ( DIGITAL STRATEGY ) DATA & ANALYTICS Ql i & DIGITAL t ( CYBER SECURITY . ) r n > iiir^ £ DIGITAL EXPERIENCE STRATEGY ( INTEGRATION 4. ’ c m *rv- r . • ' ! • i. A ( GROWTH & INNOVATION
Slide 54: Strategic Themes for Roadmap - 2030
Strategic Themes for Roadmap - 2030 ENHANCE CUSTOMER EXPERIENCE I Drives stronger customer loyalty and retention by providing superior fek personalized banking experience enabling seamless self-service journeys Completely integrated digital apps with very high digital quotients across DELIVERING MAR
Slide 55: Driving to Best in Class Digital
Driving to Best in Class Digital FY2025 Actual • FY2026 Convergence 80% Equitas MB (Until Oct 2025 ) Equitas 2.0 (New) CONVERGENCE 72% 70% 72.5% 70.5% 66% 68% Targeted to reach a 64% convergence score of 60% 60% 72% end of FY 2027 in comparison to industry 50% benchmarking 46% 40% 2025 2026 Equitas
Slide 56: Digital Quotient
Digital Quotient "Digital Quotient " : Measures what split of transactions across customer lifecycle - on- boarding , servicing & payments - are performed digitally. • Build new digital capabilities to meet all needs of the customer KEY OBJECTIVES journeys with bank. • Increase penetration and usage
Slide 57: Building Internal Capabilities
Building Internal Capabilities Ethos: Building a strong, future-ready technology team with deep expertise and agile capabilities Current State 90% Vendor Applications Vendor Landscape 60% In-House Development Future State MARKET LIVE FUTURE ROADMAP • Equitas 2.0 : C o n c e i v e d, Designed, Develo
Slide 58: Resilience & Infrastructure
Resilience & Infrastructure RESILIENCE INFRASTRUCTURE Application Uptime: We have now significantly IT Infrastructure Investment: We have a multi- year improved our Resiliency; with No Downtime & Outages investment roadmap, with 45% of the Hardware with overall application uptime at 99.5%, while cri
Slide 59: AI-Driven Initiatives
Al- Driven Initiatives (6 Initiatives In Flight) Branch-Induced Payments: Agent validates payment instructions, detects anomalies, suggests routing, prepares maker -checker evidence and updates payment status. Cheque Clearing: Automated end-to-end process with OCR /ICR extraction, field validation,
Slide 60: Enterprise Data & Analytics
Enterprise Data & Analytics 40^* Systems 1 000+ Reports f 200 TB Data Capability Governance Strategic Value • Centralized EDW ( Single Source o f • RBI - r e a d y r e p o r t i n g f r a m e w o r k • Supports business g r o w t h Truth) • Full a u d i t trail & role - b a s e d access • Reduces re
Slide 61: Cybersecurity & Data Privacy
Cybersecurity & Data Privacy The Bank has not experienced any Fructified Cyber attacks, due to continuous METRIC BENCHMARK EQUITAS BANK monitoring, with all detected events being successfully contained and thwarted Avg Time-to-Detect (hrs) 14.2 6.30 © Zero Trust Security architecture deployed across
Slide 62: Building Brand. Creating Futures.
Equitas | Equitas Small Finance Bank !! BUILDING BRAND BUILDING BRAND. CREATING FUTURES . V« * ,• / 'EQUITAS' fP Vi . t 5, ps TT ' CONSISTENCY ; I/ * • RELATIONSHIPS ft TRUST i' .ii y m 1* ' ;iMm ' t L I * « 7 - V
Slide 63: Digital Growth Engine
DIGITAL GROWTH ENGINE A End-to-End Digital Acquisition Ecosystem Scalable Future-Ready Banking Through ' Selfe Suite' m Selfe SA Digital Savings Account Q T Selfe FD Digital Fixed Deposit es “ ^ Credit Card * 100% Seamless Intuitive High Lower Paperless on-boarding User Experience ill Conversion Dro
Slide 64: National Brand Visibility
NATIONAL BRAND VISIBILITY A Bank Behind Champions Building Trust, Recall & Scale Driving awareness & recall through strategic sports partnership. CHENNAI SUPER KINGS GUJARAT TITANS BANK LIKE HAHKUKf A CHAMPtOM AAMIMM ACHUma [ CSK ] 9YEARS [ GT ] 5 YEARS ACHAMPfON 5% >AYS eqSEas Boo DAY5 888 DAYS STR
Slide 65: Winning the Catchment: Hyper-Local Marketing
WINNING THE CATCHMENT A Hyper-Local Marketing Making Every Branch the Best in Its Neighborhood Each branch positioned as the most trusted financial partner in its neighborhood LOCAL INTELLIGENCE-LED MARKETING fk Branch-led activations blending physical presence with digital amplification Hi Invite-o
Slide 66: Positioning Our Bank to Deposit Customers
POSITIONING OUR BANK TO DEPOSIT CUSTOMERS...
Slide 67: Purpose Led Brand Strategy
PURPOSE LED BRAND STRATEGY Beyond Banking Winning Hearts, Building Communities Turning Purpose into a Powerful Brand Advantage Community at our Core * Social Banking as a True Differentiator .lAk •••» n COMMUNITY FIRST BRAND PHILOSOPHY • . Shift brand perception from service provider to community pa
Slide 68: Equitas Next
Equibas |Equitas Small Finance Bank EQUITAS NEXT
Slide 69: Outlook for FY27
Outlook for FY27 MFI advances are expected to be 20%+ growth in overall maintained at around 10% advances for FY27, driven of the overall advances / With these \ by growth across products positive levers in place, we expect to achieve an exit ROA of about 1.5% in I Q 4FY27. For full year FY27, I Cos
Slide 70: Outlook for FY31
Outlook for FY31 • Business model and product mix to remain • Advances expected to sustain 20%+ growth, broadly stable over the medium term, driven by retail-led, calibrated expansion Universal providing continuity in growth strategy • Steady state ROA of ~1.5%; with a potential Banking • Major inve
Slide 71: Investor Relations
Equibas | Equitas Small Finance Bank Investor Relations Equitas Small Finance Bank Limited AmbitionBox ? : Website https://ir.equitas.bank.in/ » Email ir@equitas.bank.in Employee Choice Awards 2026 © J- 4 Floor, Phase II, th V Spencer Plaza, No. 769, Mount Road, Anna Salai, V ——— Chennai 600 002, Ta
Slide 72: Annexures
EDUltaS |Equitas Small Finance Bank ANNEXURES
Slide 73: Key Ratios: Quarterly
Key Ratios: Quarterly Cost of Funds Net Interest Margin (NIM) Cost to Assets RoA 7.54% 7.49% Hill 5.96% 575% 1.46% ^ 5.68% 5.67% 554% 0.65% 0.32% 0.18% -1.68% , Q4FY25 Q TO6 Q2FY26 Q3FY26 Q4FY26 r Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY2
Slide 74: Key Ratios: Annual
Key Ratios: Annual Cost of Funds Net Interest Margin (NIM) Cost to Assets RoA 7.50% Ifilll '"' 6.34% 2.00% 1 QO < ^ i 18 1.70% I 6.69% 6.00% 6'05% FY21 FY22 FY23 FY24 FY25 FY 26 FY21 FY22 FY23 FY24 FY25 FY26 ~ r I 1 I 5.52% FY21 P FY22 FY23 FY24 5.71% 5.71% FY25 FY26 FY21 1.10% FY22 FY23 FY24 0.30%
Slide 75: CSR Initiatives
CSR Initiatives PAVEMENT DWELLERS REHABILITATION WOMEN EMPOWERMENT CHILDREN SCHOLARSHIP Beneficiaries:- Beneficiaries: rp Exhibitions Conducted: Q4FY26 - 166 Q4FY26 - 36 il ' Inception Year - 2008 Cumulative - 6517 Q4FY26 - 14 Cumulative - 2952 Cumulative - 346 SKILL TRAINING DIFFERENTLY ABLED Finan
Slide 76: State-wise advances, deposits and branch network
Map not to scale Districts present in | Branch network States Advances (%) Deposits ( %) Andhra Pradesh 3.90% 1.82% 29 Punjab Himachal Pradesh 3 1 Chandigarh Uttarakhand 2 Chandigarh 0.01% 2.67% 30 Haryana Chhattisgarh 0.81% 1.44% Delhi 20 80 Rajasthan Delhi 1.06% 8.38% Uttar Pradesh 17 m Gujarat 4.
Slide 77: ESG
ESG I At Equitas, 3C x ESG Framework that translates our Environmental, Social, and Governance (ESG) priorities into tangible actions across three key constituencies: Customers, Community, and Company 82% Independent Board Directors Development Community We conducted a structured materiality assessm
Slide 78: Thank You
Equitas Small Finance Bank — Investor Presentation (June 2026) on 6ix