ESAF Small Finance Bank has announced an earnings conference call for analysts and investors to discuss its Unaudited Standalone Financial Results for the quarter ended June 30, 2026. The call is scheduled for Monday, August 3, 2026, at 4:00 PM IST, and will be hosted by Elara Securities (India) Private Limited. This announcement follows the bank's earlier intimation dated July 23, 2026, regarding the scheduling of a Board meeting to consider, approve, and take on record the financial results for the said quarter, pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Conference Call Details

The following key details have been provided for the earnings conference call:

Management Representatives

The conference call will be represented by the following senior officials of ESAF Small Finance Bank:

• Dr. K Paul Thomas — Managing Director and Chief Executive Officer
• Mr. George K. John — Executive Director
• Mr. Gireesh C.P. — Chief Financial Officer

Dial-In Information

Participants may join the call using the following dial-in numbers:

Availability of Results and Recordings

Following the Board meeting, the Unaudited Standalone Financial Results and the related Investor Presentation will be released to the stock exchanges and made available on the bank's website. The audio recordings and transcript of the conference call will also be published on the bank's website within the prescribed time. All disclosures will be accessible at the bank's investor relations page.

ESAF Small Finance Bank Limited has scheduled its Tenth Annual General Meeting (AGM) for Friday, August 14, 2026, at 3:00 PM IST through Video Conferencing (VC) and Other Audio-Visual Means (OAVM). The meeting will be held without the physical presence of shareholders at a common venue, with proceedings deemed to be held at the bank's registered office in Thrissur, Kerala. The AGM notice was filed with stock exchanges on July 20, 2026, pursuant to Regulations 34 and 58 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

AGM Schedule and E-Voting Details

Shareholders can participate via NSDL's e-voting platform. The register of members and share transfer books will remain closed from August 8, 2026, to August 14, 2026. The cut-off date for determining shareholder eligibility to vote is Friday, August 7, 2026.

The Notice of the AGM and the Annual Report for Financial Year 2025-26 have been dispatched electronically to members whose email addresses are registered with the bank or its Registrar and Share Transfer Agent, MUFG Intime India Private Limited. For members without registered email addresses, the bank has dispatched letters providing the web link to access the Annual Report.

Key Resolutions on the Agenda

The AGM agenda covers ten items of business, including ordinary and special resolutions. Key items include the re-appointment of Shri. George Ittan Maramkandathil (DIN: 11193648) as Non-Executive Director, who retires by rotation, and the appointment of M/s. Rodi Dabir & Co, Chartered Accountants, Nagpur (Firm Registration Number: 108846W) as one of the Joint Statutory Auditors for three consecutive financial years from the conclusion of the 10th AGM until the conclusion of the 13th AGM, with an overall audit fee not exceeding ₹90,00,000 per financial year.

Under special business, the AGM will consider the appointment of Shri. Hari Velloor (DIN: 11650530) as Non-Executive Director for three consecutive years with effect from September 1, 2026, and the appointment of Shri. Ashok Tukaram Dhamankar (DIN: 03066552) as Non-Executive Independent Director for three consecutive years with effect from September 1, 2026. The re-appointment of Prof. Biju Varkkey (DIN: 01298281) as Non-Executive Independent Director for a second term of three consecutive years with effect from August 17, 2026 is also on the agenda.

Revision of Managerial Remuneration

The AGM will also vote on the revision of remuneration for the bank's executive leadership, effective April 1, 2026, subject to RBI approval. The proposed total remuneration for Dr. Kadambelil Paul Thomas, Managing Director and CEO, is ₹750 lakh per annum, with variable pay constituting 57.4% of total remuneration.

For Shri. George Kalaparambil John, Executive Director, the proposed total remuneration is ₹336 lakh per annum, with variable pay at 55% of total remuneration.

Debt Fundraising and Articles Amendment

The AGM will seek shareholder approval for borrowing or raising funds through private placement of debt securities up to ₹2000,00,00,000 (Rupees Two Thousand crore) within one year from the conclusion of the 10th AGM. Additionally, the bank proposes an amendment to its Articles of Association to insert Article 168(f), reinstating certain promoter nomination rights. Under the proposed article, ESAF Financial Holdings Private Limited (EFHL) would have the right to nominate a maximum of two directors, and Dr. Kadambelil Paul Thomas would have the right to nominate a maximum of one director on the Board, subject to RBI consent. The RBI accorded prior approval for this amendment vide its letter dated July 15, 2026.

FY2025-26 Financial Performance

The AGM is being held against the backdrop of the bank's Annual Report for Financial Year 2025-26, which reflects a year of portfolio rebalancing and gradual recovery. The bank reported a net loss of ₹166.40 crore for the year, a significant improvement from the net loss of ₹521.39 crore in the previous year. Total income remained broadly stable at ₹4,348.23 crore.

Secured assets under the MARG (MSME, Agriculture, Retail, Gold) framework constituted 61% of total gross advances as of March 31, 2026, compared to 53% in the previous year. The bank crossed a milestone of serving more than 100 lakh customers and operates across 26 states and union territories with 804 banking outlets and 720 ATMs.