#1SATIN Investor Presentation August 2021#2Content 03-11 12-16 Business Update & New Initiatives Overview and Key Performance Highlights 17 - 30 What makes Satin a Compelling Investment Story 31-44 45 - 53 Key Financial & Operational Metrices Company Background SATIN Cautionary Statement Any forward-looking statements about expected future events, financial and operating results of the Company are based on certain assumptions which the Company does not guarantee the fulfilment of. These statements are subject to risks and uncertainties. Actual results might differ substantially or materially from those expressed or implied. Important developments that could affect the Company's operations include a downtrend in the industry, global or domestic or both, significant changes in political and economic environment in India or key markets abroad, tax laws, litigation, labour relations, exchange rate fluctuations, technological changes, investment and business income, cash flow projections, interest and other costs. The Company does not undertake any obligation to update forward- looking statements to reflect events or circumstances after the date thereof. Based on revised returns filed by the company, some items for the quarter ended Jun 30, 2021 have been regrouped.#3Business Update & New Initiatives#4Q1FY22 Quarterly Business Updates... Collection Efficiency Collection efficiency witnessed dip on account of second wave of Covid-19 pandemic during the quarter. However, collections have started to pick up with declining infections and lifting of lockdown restrictions since 3rd week of Jun'21 • Cumulative collection efficiency for Q1FY22 stood at 82%, excl. Assam at 84% . Non-paying clients at 5% in Jun'21 For Q1FY22, Collection Efficiency in top 4 states stood at 87.4%, and we have witnessed improving trends in the month of Jul'21 & Aug'21 Fund Raise & Liquidity Successfully closed ~Rs. 120 crore Rights Issue in Aug'20 with an overwhelming response (Issue was oversubscribed at 123%) • Out of this, ~Rs. 90 crore already received by the Company (Rs. 45 per share out of Rs. 60) Also, Final call of ~Rs. 30 crore in this regard has been made, and final call payment period has begun on 6th Aug'21 and will end on 20th Aug'21 Till date, the Company did a fundraise of Rs. 396 crore from various lenders Sufficient liquidity of ~1,500 crores as on Jun'21 Provisions • The Company has made a cumulative on-book provision of Rs. 434 crore, as on 30th Jun'21, mainly due to second wave of COVID-19 Maintained adequate provisions and write offs for bad loans, and expect write backs in the upcoming quarters On-book GNPA stood at 9.7% while NNPA stood at 1.2% on standalone basis Portfolio Re-structuring Re-structuring in JLG & MSME Portfolio: Restructured 18,735 loans related to individuals and small businesses amounting to Rs. 43.4 crore in accordance with the RBI's guideline - Resolution Framework - 2.0, which is 0.7% of Standalone AUM SATIN#5...Q1FY22 Quarterly Business Updates Taking Care of Satin Family • Satin Sahyog to support families of employees, in the event of demise due to Covid-19 or accidental death - benefits include pension, children's education and job to a family member among others Covid insurance for Satin staff to help with medical expenses and facility to provide oxygen concentrator and nurses at home for infected Satin staff Facilitation of Covid-19 vaccination for all our employees. More than 70% of our employees are vaccinated with at least one shot Clean Energy Certification SCNL's clean energy programme is an illustration of its dedication to serve the society while being dedicated to environment Awarded Certificate of Excellence in Clean Energy Finance as a part of the UNFCCC's Clean Development Program (CDM) Disbursed 87,000 bicycles to women in India with Hero Cycles with an aim to enhance the mobility and livelihood of these women as well as to promote gender equality Disbursement • Disbursement temporarily halted during Q1FY22 on account of several lockdown restrictions due to second wave of Covid-19 The Company has maintained a cautious stance in new disbursement as our main focus is to maintain asset quality For Q1FY22, disbursement stood at Rs. 282 crore on consolidated basis. As things improve, we expect disbursement to pick up in the coming quarters Other Updates • - Very granular book – No district has more than 2% exposure • Book Value Per Share at Rs. 197 on consolidated basis • 3 consecutive profitable quarters of SHFL with nil delinquency . SFL profitable for two consecutive years despite challenges in external environment SATIN 5#6Business Trends... Rs. 7,464 crore Rs. 282 cro crore 29.6 lacs ACTIVE CUSTOMERS GROSS LOAN PORTFOLIO DISBURSEMENT in Q1FY22 Asset under Management Trends (Q-o-Q) 8,119 8,379 7,667 7,880 7,464 939 1,104 923 972 1,020 7,181 6,744 6,907 7,275 6,444 Q1 FY21 Q3 FY21 Q4 FY21 Q2 FY21 ■Standalone AUM (Rs. Crs.) AUM of Subsdiaries (Rs. Crs.) 1,264 NO. OF BRANCHES Disbursement Trends (Q-o-Q) 792 607 291 198 SATIN 13 54 632 Q1FY22 Q1 FY21 Q2 FY21 ■Standalone Disbursment (Rs. Crs.) Q3 FY21 239 22 22 85 1,624 2,084 94 60 222 Q4FY21 Q1FY22 I Disbursement by Subsdiaries (Rs. Crs.) Avg Monthly Disbursement Standalone Information: • . • • GLP stood at Rs. 6,444 crore, on account of halt of disbursement in major part of Q1FY22 Disbursement for Q1FY22 stood at Rs. 222 crore Collection efficiency (CE) in Apr 21 stood at 93%. Dip in May at 75% due to lockdown. We have witnessed gradual recovery at 80% in Jun'21 (incl. OD) (82% excl. Assam). Jul'21 CE was 87% (incl. OD) (89% excl. Assam) MTD Collection efficiency for Aug'21 is 90% On Consolidated basis except otherwise mentioned 6#7Trends in Collection Efficiency States Month on Month Collection Efficiency Trends 105% 93% 87% 90% 75% 80% Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 ICE % (Incl. Arrears) Collection Efficiency Trends in Key States - 53% of AUM Mar-21 Uttar Pradesh Bihar Punjab Madhya Pradesh Total Note: *Data on standalone basis for JLG on-book portfolio Data for Aug 21 is MTD CE % (Incl. Arrears) Apr-21 May-21 Jun-21 105% 98% 83% 92% Jul-21 96% 114% 99% 80% 90% 96% 101% 90% 82% 83% 92% 101% 82% 54% 81% 84% 106% 95% 78% 89% 94% SATIN 7#8Trend of % of Non-Paying Customers Breakup of Paying and Non-Paying Clients* I Jun-21 There is no intent issue since 95% clients have paid at least one instalment in Jun'21 - difficulty in paying due to adverse external environment Non-paying clients at 5% in Jun'21, this number was 11% in Sep'20 which is a promising sign Mar-21 Note: *Data on standalone basis for JLG on-book portfolio 68% 91% Full Payment Partial Payment ■No Payment 27% 5% 8% 1% SATIN 8#9Update on Subsidiaries - SHFL Monthly disbursement has started showing progressive recovery despite Covid-19, AUM grew by 56% in Q1FY22 YOY Satin Housing Finance Limited SHFL had 3 successive profitable quarters despite challenging business environment, PAT for Q1FY22 stood at Rs.0.5 crore Q1FY22 disbursement stood at Rs. 4 crore میرا Hv Healthy CRAR of 95.8% as on 30th Jun'21 10 lenders including NHB refinance Satin™ Housing Finance Ltd. THE ANSWER IS HOME SATIN No willful default or fraud since inception Eligible for SARFAESI enforcement Impressive collection efficiency for Q1FY22 at ~95% 6#10Update on Subsidiaries - TFSL & SFL TAROOSHNA T CARVING YOUR FUTURE Taraashna Financial Services Limited ✓ Collection Efficiency for Jun'21 stood at 87% ✓ Disbursement stood at 52 Crores for Q1FY22 ✓ Sourcing business for SCNL & SFL under Nai Roshni ✓ AUM growth of 6% YoY in Q1FY22 SEL Satin Finserv Limited Satin Finserv Limited ✓ Healthy CRAR of 85.61% ✓ Cumulative collection efficiency in Q1FY22 stood at 87%; GNPA of 5.0% & NNPA 2.3% ✓ 14% loans restructured SATIN Scheme of Arrangement* The Board of Directors of two wholly owned subsidiaries of the Company namely, TFSL and SFL, in their respective meetings, have considered and approved a draft Scheme of Arrangement for Amalgamation of TFSL ("Transferor Company") with SFL ("Transferee Company") and their respective shareholders and creditors ('Scheme') under Sections 230 to 232 of the Companies Act, 2013 ("Act") and other applicable provisions of the Act and rules made thereunder. *The Scheme is conditional and subject to obtaining other necessary regulatory approvals under applicable laws, including approval of Hon'ble National Company Law Tribunal of relevant jurisdiction. 10#11Objective Behind Amalgamation TAROSHNA T CARVING YOUR FUTURE The combined entity would be able to efficiently use the capital invested in the two entities and leverage the same Currently the revenue sharing arrangement between TFSL and SFL is taxable. In the combined entity tax benefit will accrue to the business TFSL has significantly wider distribution reach than SFL. The combined entity can leverage on this distribution There will be cost rationalization post merger SFL Satin Finserv Limited Post merger SFL can introduce new products Post merger the merged entity will focus on both own book lending and BC business SATIN 11#12Overview#13Fostering Inclusive Growth Hv Kil The history of SCNL goes back to 1990 when it started providing finance to the shopkeepers who were deprived of formal financing Today, after three decades of rich experience, SCNL has emerged as one of the leading and trusted Indian microfinance companies Headquartered in Gurugram, Haryana, the Company drives inclusive growth by offering financial tools that help create opportunities Through its financial solutions outside the periphery of traditional channels of finance, the Company empowers the unserved and the underserved sections of the society SATIN 13#14Key Performance Highlights#15Corporate Overview Standalone - Q1FY22 Rs. 222 crore 28.8 Lacs DISBURSEMENT LOAN ACCOUNTS 0.55 Lacs NO. OF LOANS DISBURSED 24.0% CAPITAL ADEQUACY Above Data is for Q1FY22 *Data is for JLG OUTSTANDING (3.8%) RETURN ON ASSETS Epon Rs.6,444 crore GROSS LOAN PORTFOLIO 23 STATES & UT'S 1,022 BRANCHES Rs. (71) crore PROFIT AFTER TAX Rs.37,000 AVERAGE TICKET SIZE* (19.7%) RETURN ON EQUITY SATIN 15#16Corporate Overview Consolidated - Q1FY22 Rs. 343 cro 29.6 Lacs REVENUES Rs. 180 cro NET INTEREST INCOME Above Data is for Q1FY22 CLIENTS (4.2%) RETURN ON ASSETS Epon Rs. 7,464 crore GROSS LOAN PORTFOLIO 1,264 BRANCHES (22.5%) RETURN ON EQUITY 23 STATES & UT'S Rs. (81) crore PROFIT AFTER TAX SATIN 16#17What makes Satin a Compelling Investment Story#18What makes Satin a Compelling Investment Story Leading MFI Player With Differentiated Product Offerings Diversified Geographical Reach 01 02 03 Technology Prowess 04 Robust Underwriting Processes 05 Well-diversified Liability Profile 06 90 Ample Liquidity & Positive ALM 08 07 Strong & Experienced Management Team Successfully Navigated Crisis During Legacy of 30 Years SATIN 18#191. Differentiated Product Offerings Product features as on Jun'21 Start Date Ticket Size Range Tenure Frequency of Collection No. of States/UTS No. of Branches AUM (Rs. crore) No. of loan accounts Avg. Ticket Size for Q1FY22 Notes SATIN SCNL Business Correspondent Services Housing Finance SME MFI(1) Taraashna Financial Services Limited (2) Satin Housing Finance Limited (3) Satin Finserv Limited (SFL)(4) May'08 (JLG) Upto Rs. 50,000 May'12 Feb'18 Mar'19 Upto Rs. 50,000 Rs. 100,000 4,000,000 Rs. 100,000 100,000,000 - (JLG Microfinance) 6-24 months Bi-Weekly 12 24 months Bi-Weekly 24 240 months Monthly 12 120 months Monthly/Quarterly 23 7 1,019* 213 14 8 15 6,132(5) 2,881,137 Rs. 37,000** (JLG) 671 224 125 376,330 2,401 1,747 Rs. 34,500 Rs. 778,000 Rs. 315,500 (Retail) (6) (1) As on Jun'21, included MFI Lending (loans under JLG model, IndusInd BC and water & sanitation) and Product Financing (Loans for solar lamps, cycles) (2) TFSL acquisition is effective Sep 1, 2016 (4) SFL was incorporated on August 10, 2018 (3) Satin Housing Finance Ltd was incorporated on April 17, 2017 (5) SCNL also has MSME portfolio of Rs. 312 crore other than MFI portfolio (6) Average Ticket Size of Retail Financing is 3.15 lacs. Overall, the average ticket size of SFL is Rs. 7.15 lacs *As of Q1FY22, there were 1,019 branches with Microfinance operations & 27 branches with MSME operations. Out of the 27 MSME branches, 24 of them also had microfinance operations & 3 were unique **Focus on repeat clients with established credit history 19#20With opportunities to leverage our client reach SATIN Satin finances product purchase of solar lamps, bicycles etc. and grants loan for safe water and sanitation facilities Financing ~Rs. 12 crore during Q1FY22, dip due to second wave led lockdown Bicycle Loan 225 loans disbursed Product Financing Home Appliances 804 loans disbursed Note: No. of loans disbursed during Q1FY22 Benefits Solar Products Enhances the productivity and generating potential of its clients income 143 loans disbursed Consumer Durables 1,823 loans disbursed Enables the Company to leverage its rural outreach Capitalizes on the Company's existing network and client base Water & Sanitation 5,826 loans disbursed No incremental cost, thus the income directly adds up to the bottom line 20 20#212. Diversified Geographical Presence ...serving ~30 lacs clients across India 60% Clients with Satin as Only Lender* ~30 lacs No. of Active Clients ~33 lacs No. of Loan Accounts 28% No. of First Cycle Clients* The pictorial representation of Map of India does not purport to be the Political Map of India 391 No. of Districts 83,000 No. of Villages 74 No. of Regional Offices 2.5 lacs No. of Centres 7,824 No. of Loan Officers 12,287 No. of Employees SATIN On Consolidated basis 21 *at the time of disbursement, data is for JLG Standalone only. Focus on existing clients with established credit history#22On Consolidated basis ... Leading to increasing footprints 2. Reducing exposure to traditional regions 1. Increasing exposure to Newer states SATIN % of total GLP States FY16 Q1FY22 GLP (Rs. crore) Q1FY22 Uttar Pradesh 40.9% 20.3% 1,517 Bihar 17.7% 15.1% 1,124 Punjab 12.7% 8.6% 643 Madhya Pradesh 15.5% 8.6% 645 Uttarakhand 3.2% 1.4% 101 Maharashtra 1.6% 1.4% 107 Total 91.7% 55.4% 4,138 % of total GLP GLP (Rs. crore) States FY16 Q1FY22 Q1FY22 West Bengal 0.1% 7.1% 528 Rajasthan 2.3% 5.3% 398 Delhi & NCR 2.0% 4.8% 356 Gujarat 0.5% 4.1% 305 % of total GLP Haryana 1.9% 3.7% 278 States Jharkhand FY16 0.7% 2.2% 166 Q1FY22 GLP (Rs. crore) Q1FY22 Chhattisgarh 0.6% 1.3% 100 Tamil Nadu 0.0% 4.4% 325 Jammu 0.1% 0.1% 5 Assam 0.0% 4.2% 315 Total 8.2% 28.6% 2,136 Odisha 0.0% 4.1% 309 Karnataka 0.0% 1.9% 144 Tripura 3. Foraying into New Geographies 0.0% 1.0% 74 Pondicherry 0.0% 0.1% 9 Himachal Pradesh 0.0% 0.1% 7 Meghalaya 0.0% 0.1% 5 Sikkim 0.0% 0.0% 2 Total 0.0% 15.9% 1,190 22#23And de-risking geographical concentration To remain a PAN India Player Share of Top 4 States Reduced from 77% to 53% 77.3 -53% 10.1 67.7 10.2 56.3 58.6 54.0 19.2 52.6 0.45 12.9 8.4 9.6 8.7 8.6 8.8 9.3 18.1 8.7 8.6 18.3 17.5 16.5 15.6 15.1 Limiting Exposure per district Average exposure per district % 0.35 0.28 0.25 0.26 0.26 % of Top 10 Districts to AUM SATIN 21 19 15 15 14 13 29.9 26.3 21.6 23.2 21.0 20.3 FY17 FY18 FY19 FY20 FY21 Q1FY22 FY17 FY18 FY19 FY20 FY21 Q1FY22 FY17 FY18 FY19 FY20 FY21 Q1FY22 UP Bihar MP Punjab Number of States contributing more than 1% to Total AUM 10 7 16 18 Particulars FY17 FY18 FY19 FY20 FY21 Q1FY22 No. of Districts - JLG 236 306 359 397 388 391 % of Districts with <1% exposure 88.1% 92.5% 96.4% 96.5% 95.8% 97.7% % of Districts with >2% 2.1% 1.0% 0.6% 0.5% 0.5% 0.0% 188 % of Top 10 Districts to Net-worth 120 88 79 71 65 2015 2017 2019 2021 FY17 FY18 FY19 FY20 FY21 Q1FY22 23#243. A Difference Powered by Technological Prowess & Processes... • • Game Changing Digital Transformation Technology (LMS) LMS Online real-time system Last Mile Connectivity on Tabs Greener (paperless environment) Event based mapping of Geo Location & Tracking Penetration Instant Bank Account Verification Core Accounting & Financial System Cashless Disbursement @100% branches API centric multiple cashless collection processing in the system (AEPS, Debit Card, Net Banking, UPI, QR Code) Real-time Dashboards Real-time CB Checks Features enabling brand recall value (SMS, OTP, QR Code) Cross sell disbursal module with real-time partner inventory tracking HR Management Module (employee creation, transfer, attendance, exit, leave management etc.) . . . • Turn Around Time of Customer Acquisition to disbursement journey Reduced from 18 days to a few minutes Technology Footprint Employee Fraud Detection & Recovery Module Lender Fund Allocation Module Funder Borrowing Module BC subsidiary also using the same technology & leveraging the same benefits Centralized Shared Service centre introduced within SATIN; to create unified support model across Business Reporting / End User Applications Support & Managed Infrastructure Developed in-house software for subsidiaries like Housing & MSME too In-house Customer Service Application for MFI business & Help us to be ahead of the curve to better respond to the ever-changing business scenarios Gold Standard Information Security Our company is the first MFI to be certified with ISO 27001:2013, which affirms the prevalence of robust ISMS specifying the requirements for establishing, implementing, maintaining and continually improving ISMS within the organisation This certification indicates SATIN has integrated a robust ISMS in its business processes & exemplifies that information security and client confidentiality are part of the cornerstones of SATIN's strategic objectives SATIN 24#25... Leading to Operating Efficiency & Scalability New initiatives... ...leading to improved processes Centralized processes KYC Compliance & Real- time Credit Bureau checks Auto bank reconciliation using API Penny drop verification Cash less disbursement & collection C$ (0) Geotagging WW Reduced TAT Real-time Decision Making Faster Book Closing Enhanced Productivity ¥7 Brand image Improved Data Quality SATIN 25#264. Robust Underwriting & Full-fledged in-house Internal Audit SATIN GO Robust Underwriting Real-time Credit Bureau checks to track loan history of the prospective clients, also created own Credit Bureau scorecard for individual clients for better screening Rotating Responsibility Shuffling CSOs every 9 months and transferring every 18 months to reduce human biases. Risk Officers visit clients regularly Centralized Share Services KYC verification, IVR, TVR, ensuring uniform processes Full-fledged in-house Internal Audit 111 Zonal Auditors & Regional Auditors 100% Digital on Audit Reports and Findings Feedback based Compliance Audit 847 Audits completed in Q1FY22 Geo-tagging of 100% branches and centers and 92% clients' houses *** D= Account Verification & Cashless Disbursement via penny drop verification along with strict KYC compliance, also cashless disbursement eliminates the cash handling risk Quarterly Audit Regional Office, Branch & Social Performance Management 15 man-days field audit per auditor per month 26#275. We have a well-diversified Liability Profile... ... insulated from Capital Market Turbulence Product-wise Jun'21 0.6% 17.4% 4.4% 28.3% Lender-wise Jun'21 19.4% 1.7% 15.3% 6.4% 49.3% Term Loan NCD Buyout ■Commercial paper ECB Top 10 Lending Partners Indian Bank Large Lender Base 61 Active Lenders NABARD IDFC First Bank State Bank of India SATIN % Share as on 30th Jun'21 13% 12% 7% 5% Bank of Baroda 5% Blue Orchard Microfinance Fund 5% AAV S.A.R.L. Standard Chartered Bank Banks NBFC SIDBI 57.1% Domestic Financial Institution Overseas Fund FMO Domestic Fund 4% 4% 2% 2% Total of Top 10 lenders 60% 27#286. Strong Capitalization with Ample Liquidity Healthy CRAR to Support Growth Opportunities Benefit of Positive ALM Continues 26.3 24.9 30.5% 28.5% 22.3 22.1 25.3% 24.0% 21.2% 11.7 9.0 15.5 14.5 13.5 23.2 ili daddi FY18 FY19 FY20 FY21 Q1FY22 FY18 FY19 I Avg. maturity of Assets FY20 FY21 Q1FY22 Avg. maturity of Liabilities Static ALM as on 30th Jun'21 (Rs. Crore) Inflows Liquidity at the beginning of month* Principal - Loan portfolio Interest Loan portfolio Total (A) Outflows Principal repayments Interest repayments Total (B) Cumulative Mismatch (A-B) Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 SATIN Dec-21 Total 1,497 1,445 1,523 1,517 1,492 1,415 1,497 234 255 277 249 258 318 1,591 69 71 71 63 65 66 404 1,800 1,771 1,871 1,829 1,815 1,799 3,492 317 187 288 302 377 212 1,682 38 61 66 35 23 59 281 355 248 353 337 400 270 1,963 1,445 1,523 1,517 1,492 1,415 1,529 1,529 28 *Excluding margin money deposits of Rs. 284 crore lien with lenders and undrawn sanction in hand of Rs. 135 crore as of date#29Diversification with allied product offerings TAROOSHNA T CARVING YOUR FUTURE Satin™ Housing Finance Ltd. THE ANSWER IS HOME SFL Satin Finserv Limited SATIN >>> >>> Taraashna Financial Services Ltd - TFSL Acting as a business correspondent, TFSL provides credit to clients in rural and semi- urban areas on behalf of partner banks and NBFCs The cashless disbursement percentage has reached 99% of TFSL's total disbursement for Jun'21; 7% collection through cashless mode Satin Housing Finance Ltd (SHFL) >> 100% retail book comprising of: » >> Affordable home loans - 79% Satin Finserv Limited (SFL) Incorporated in Aug'18, got license from RBI to start business in Jan'19 Standalone credit rating of CARE BBB- (Stable) Loan against property - 21% >>> Gross Loan Portfolio of Rs 125 crore >> Excellent portfolio quality since inception, Collection Efficiency of ~95% during Q1FY22 CRAR for Q1FY22 is 85.6% >>> >>> TFSL has a low-risk business model which is highly capital efficient Mainly caters to clients belonging to Middle and Low-Income Groups in peripherals of Tier II and below cities >>> Total equity stands at Rs 106.5 crore Business focus on secured retail MSME lending >>> AUM stood at Rs 671 crore, with presence across 7 states >>> CRAR of 95.8% and gearing of 1.3x. Total equity stands at Rs 93.7 crore » >>> The Company operates through 213 branches, and has more than 3.7 lacs clients >>> Total AUM Rs 224 crore including DA of Rs 20 15 Branches across 8 states with 1,747 active loan clients SFL has migrated to in-house software crore >>> TFSL now sources business for SCNL & SFL under Nai Roshni >> Three consecutive profitable quarters despite challenging business environment >>> Standalone rating of CARE BBB (Stable) 29#30Successfully Navigated Crisis During Legacy of 30 Years Learnings from Demonetization Implementation of best-in-class technology • Reduced TAT • Real-time data Enhanced Productivity Improved monitoring and control Diversifying Geographical Presence De-risking Geographic Concentration (No. of States) District Diversification 16 + 7 states 23 • Increasing exposure to Newer states 97.7% of Districts with <1% exposure UP share brought down from 40.9% in Dec'16 to 20.3% in Jun'21 Dec-16 Jun-21 Strong Capitalization with Ample Liquidity Capital Adequacy has improved from 18.3% in 2016 to 24.0% currently Raised Rs 560 crore equity capital . Liquidity of around Rs 1,500 crore Strategic Changes Diversified out of unsecured MFI portfolio by floating subsidiaries in housing and MSME finance • Changed center meeting to bi-weekly • Process re-engineering Strengthened management team Reduced Leverage 7.0x 226 Reduction in Top 4 State Contribution +73% 81% 391 Dec-16 Jun-21 53% Dec-16 Jun-21 Improved Capital Adequacy 24.0% 18.3% 4.1x SATIN Dec-16 Jun-21 Dec-16 Jun-21 30#31Key Financial & Operational Metrices#32Key Operation Metrics Districts, States and Branches Employees & Loan Officers 1,383 1,257 1,2641 7,8242 8,090 1,163 8,152 6,296 995 6,382 767 23 23 23 22 4,481 13,005 12,726 11,831 18 1,495 16 1,325 1,790 12,2873 1,864 9,004 1,344 383 388 391 6,910 340 302 1,109 235 10,419 11,148 10,612 10,121 7,653 5,801 FY17 FY18 FY19 FY20 FY21 Q1FY22 FY17 FY18 FY19 FY20 FY21 Q1FY22 Districts --States Branches Satin Employees TFSL Employees Loan Officers Clients (lacs) Satin TFSL 35.5 34.6 4.0 3.7 30.5 29.6 28.2 26.5 3.5 3.9 3.8 4.1 31.5 30.8 26.6 25.8 22.9 24.0 FY17 FY18 FY19 FY20 FY21 Q1FY22 Gross Loan Portfolio (Rs. crore) Satin TFSL 8,379 5,757 670 7,068 604 8,174 704 748 7,4643 671 4,067 450 7,220 7,275 6,374 6,444 5,085 3,617 FY17 FY18 FY19 FY20 FY21 Q1FY22 Note: (1) Data on Consolidated basis. On a standalone basis, the number of branches were 1,022; (2) Data on a consolidated basis. On a standalone basis the number of loan officers were 6,170; (3) Consolidated figures includes Satin Housing Finance Limited and Satin Finserv Ltd. as well. SATIN 32#33Key Consolidated Financials Gross Income (Rs. crore) 1,503 1,445 1,380 343 Cost to Income Ratio (%) 68.3% 60.6% 53.4% 52.5% FY19 FY20 FY21 Q1FY22 FY19 FY20 FY21 Q1FY22* NII and PAT (Rs. crore) 914 803 LL 201 155 FY19 FY20 742 FY21 -14 *Cost to Income and Opex/ AUM is temporarily high due to lower business volume 180 Opex to Avg GLP (%) I NII PAT 6.7% 6.3% 6.2% 5.4% SATIN -81 Q1FY22 FY19 FY20 FY21 Q1FY22* 33#34Key Standalone Financials 1,373 Gross Income (Rs. crore) 1,401 1,273 317 Cost to Income Ratio (%) 62.9% 57.7% 50.8% 49.7% FY19 FY20 FY21 Q1FY22 FY19 FY20 FY21 Q1FY22* NII and PAT (Rs. crore) 824 734 655 FY19 195 156 FY20 FY21 -14 *Cost to Income and Opex/ AUM is temporarily high due to lower business volume 159 Opex to GLP (%) 6.5% | NII 6.0% 5.8% PAT 5.2% SATIN -71 Q1FY22 FY19 FY20 FY21 Q1FY22* 34#35Financial & Operational Details (Consolidated)#36Annexure - Business Details - Consolidated Particulars AUM (Rs. crore) On-Book JLG AUM* Securitization Assignment Q1FY22 Q1FY21 YoY% Q4FY21 QoQ% 7,464 8,119 -8.1% 8,379 -10.9% 5,143 4,653 5,660 59 46 72 1,093 2,009 1,375 Business Correspondence 207 519 256 TFSL Business Correspondence 671 677 748 (1) SHFL - Housing Finance 224 144 226 SFL 125 118 131 AUM Mix (Rs. crore) 7,464 8,119 -8.1% 8,379 -10.9% MFI Lending 5,905 6,349 6,685 Product Financing 20 26 24 MSME 312 287 310 Business Correspondence - IndusInd Bank 207 519 256 TFSL Business Correspondence 671 677 748 SHFL Housing Finance 224 144 226 SFL 125 118 131 No. of Branches 1,264 1,355 -6.7% 1,257 0.6% SCNL 1,022 1,117 1,011 TFSL SHFL 213 208 217 14 15 14 15 15 15 Note: SFL * Includes securitization, differences due to rounding off 1) The portfolio also includes Assigned portfolio of Rs.20 crore SATIN 36#37Annexure - P&L Statement - Consolidated Particulars (Rs. crore) FY21 FY20 YoY% Q1FY22 Q1FY21 YoY% Q4FY21 QoQ % Revenue Interest and Fee Income 1,076 994 303 258 297 Loss/gain due to DA 112 236 -3 14 54 Treasury Income 71 117 18 20 13 BC Fees 88 127 20 20 12 31 Other Operating Income 32 29 5 8 11 Total Revenue 1,380 1,503 -8.6% 343 312 10.1% 406 -15.5% Expenses Finance Cost Employee Benefit Expenses 638 589 163 160 163 337 351 92 79 94 Credit Cost & FLDG for BC 302 223 164 33 57 Other Expenses 98 111 27 18 35 Depreciation and amortization expense 15 18 4 4 4 Total Expenses 1,390 1,292 7.1% 450 295 52.7% 353 27.5% Profit Before Tax -10 212 -104.6% -107 17 53 Tax expense 4 57 -26 4 15 Profit after Tax -14 155 -109.0% -81 13 38 Other comprehensive income net of taxes -35 45 -23 5 18 Total Comprehensive Income -49 200 -124.5% -104 18 56 SATIN 37#38Financial Details (Standalone)#39Annexure Financial Performance - - Standalone Particulars (Rs. crore) Q1FY22 Q4FY21 Q1FY21 FY21 FY20 Gross yield (1) 18.47% 21.03% 16.16% 17.57% 20.61% Financial Cost Ratio(2) Net Interest Margin (3) Operating Expense ratio(4)* 9.22% 8.88% 8.64% 8.52% 8.49% 9.25% 12.16% 7.53% 9.04% 12.12% 5.82% 6.22% 4.80% 5.22% 6.02% Loan Loss Ratio (5) 8.98% 2.58% 1.76% 3.96% 2.97% ROA (6) -3.76% 2.18% 0.72% -0.18% 2.26% RoE(8) -19.74% 11.95% 3.52% -0.92% 12.00% Leverage (Total Debt (7) / Total Net Worth) 4.07x 4.09x 3.68x 4.09x 3.76x Cost to Income Ratio* 62.92% 51.19% 63.74% 57.74% 49.66% Asset Quality (on-book) GNPA % ECL as % of AUM Q1FY22 Q4FY21 Q1FY21 FY21 FY20 9.67 8.40 2.43 8.40 3.28 8.44 5.11 3.16 5.11 3.38 1 2 3 4 5 1. 2. 3. 4. Gross Yield represents the ratio of total Income in the relevant period to the average AUM Financial Cost Ratio represents the ratio of interest Expense in the relevant period to the Average AUM Net Interest Margin represents the difference between the Gross Yield and the Financial Cost Ratio Operating Expenses Ratio represents the ratio of the Operating Expenses (expenses including depreciation but excluding Credit Cost and interest Expense) to the Average AUM 5. Loan Loss Ratio represents the ratio of credit cost (including FLDG on BC) to the Average AUM 6. RoA is annualized and represents ratio of PAT to the Average Total Assets 7. Total Debt includes Securitization and preference shares considered as debt in accordance of IndAS 8. RoE is annualized and represents PAT(Post Preference Dividend) to the average equity (i.e., net worth excluding preference share capital) *Opex is temporarily high due to lower business volume SATIN 39#40Annexure Particulars (Rs. crore) - P&L Statement- Standalone FY21 FY20 YOY% Q1FY22 Q1FY21 YOY% Q4FY21 QoQ % Revenue Interest and Fee Income 1,031 966 291 248 283 Loss/gain due to DA 110 236 -4 14 53 Treasury Income 66 112 15 19 12 BC Income 35 62 7 3 15 Other Operating Income 23 25 8 7 9 Total Revenue 1,267 1,401 -9.6% 317 291 8.9% 373 -15.0% Expenses Finance Cost 618 577 158 156 157 Employee Benefit Expenses 281 297 75 67 77 Credit Cost & FLDG for BC 287 202 154 32 46 Other Expenses 78 97 24 21 16 30 Depreciation and amortization expense 13 15 3 3 4 Total Expenses 1,276 1,188 7.5% 412 274 50.5% 313 31.4% Profit Before Tax -10 213 -104.6% -95 17 59 Tax expense 4 57 -24 5 17 Profit After Tax -14 156 -108.7% -71 13 43 Other comprehensive income net of taxes -35 45 45 -23 5 19 Total Comprehensive Income -48 201 -124.0% -94 18 61 SATIN 40#41Financial Details (Subsidiaries)#42Annexure - P&L Statement - TFSL Particulars (Rs. crore) Revenue Total Revenue Expenses Finance Cost Employee Benefit Expenses Credit Cost Q1FY22 Q4FY21 Q1FY21 FY21 FY20 13.6 17.7 10.4 59.3 69.8 1.1 1.3 0.9 4.5 3.2 11.4 12.5 8.5 39.1 38.3 7.9 10.3 0.8 11.3 13.4 Other Expenses 2.0 3.3 1.6 10.0 14.4 Depreciation and amortization expense 0.4 0.4 0.4 1.5 1.7 Total Expenses 22.9 27.7 12.2 66.3 71.0 Profit Before Tax Tax expense Profit After Tax -9.3 -10.0 -1.8 -7.0 -1.2 -2.3 -2.7 0.5 -2.0 -0.2 -6.9 -7.3 -1.8 -5.0 -1.0 Other comprehensive income net of taxes 0.0 0.0 -0.5 -0.2 0.3 Total Comprehensive Income -6.9 -7.3 -1.3 -5.2 -0.7 SATIN 42#43Annexure - P&L Statement - SHFL Particulars (Rs. crore) Revenue Interest and Fee Income Treasury Income Other income Total Revenue Expenses Q1FY22 Q4FY21 Q1FY21 FY21 FY20 7.7 8.1 5.1 25.8 17.1 0.1 0.0 0.4 0.3 1.6 0.6 2.4 0.1 3.5 2.3 8.4 10.5 5.7 29.6 21.0 Finance cost Employee benefit expenses 3.9 3.8 3.3 13.6 8.3 3.0 3.2 2.4 10.5 9.7 Credit Cost 0.1 -0.2 0.1 0.1 1.2 Other expenses 0.8 1.1 0.4 2.9 2.5 Depreciation and amortization expenses 0.1 0.1 ..... 0.1 0.4 0.5 Total Expenses 7.8 7.9 6.2 27.5 22.2 Profit Before Tax 0.6 2.6 -0.5 2.1 -1.3 Tax expense 0.2 0.8 -0.2 0.7 -0.3 Profit After Tax 0.5 1.9 -0.4 1.4 -1.0 Other comprehensive income 0.0 0.0 0.0 0.0 0.0 Total Comprehensive Income 0.5 1.8 -0.4 1.4 -1.0 SATIN 43#44Annexure - P&L Statement - SFL Particulars (Rs. crore) Revenue Interest and Fee Income Treasury Income Other income Total Revenue Expenses Q1FY22 Q4FY21 Q1FY21 FY21 FY20 5.8 6.5 5.8 23.8 13.6 0.0 0.1 ..... ...0 0.1 0.2 0.4 0.2 0.1 0.1 0.6 0.2 220 5.9 6.6 6.0 24.8 14.0 Finance cost Employee benefit expenses Credit Cost Other expenses 1.1 1.2 1.0 4.4 1.8 2.0 2.1 1.7 7.1 6.7 1.7 0.1 0.5 3.3 1.5 0.8 0.9 0.6 3.3 3.1 Depreciation and amortization expenses 0.1 0.1 0.0 0.3 0.1 Total Expenses 5.7 4.3 3.9 18.4 13.1 Profit Before Tax 0.2 2.3 2.1 6.4 0.9 Tax expense (DTA) 0.1 0.6 0.5 1.7 0.2 Profit After Tax .2 0.2 1.7 1.6 4.8 0.6 Other comprehensive income 0.0 -0.0 0.0 0.0 0.0 Total Comprehensive Income 0.2 1.6 1.6 4.8 0.6 SATIN 44#45Company Background#46Key milestones Business Timeline 2016 2017 2018 2019 2020 Started MSME Lending in FY17; Acquired TFSL in Sep'16 Reaches 27.1 lacs active clients and AUM of Rs. 4,882 crore by Dec'17 SHFL commenced lending in Feb18; BC agreement with IndusInd Bank, reached AUM of Rs. 5,757 crore by Mar'18 Received NBFC license for Satin Finserv Ltd for MSME business; reached AUM of 1 Bn USD; TFSL became wholly owned subsidiary Received the Award of "Great Place to Work" 2015 2014 2013 2012 2010 Listing on NSE, BSE and CSE (2); Received top MFI grading of MFI 1 Reaches 8 lacs active clients and AUM of Rs.1,056 crore as on Mar'14; Reaches 4.9 lacs active clients & AUM of Rs. 580 crore as on Mar'13; Converts to NBFC- MFI in Nov '13; Received 'MFI 2+'rating by CARE Starts SHG bank linkage program in Rewa, MP; Receives 83% in microfinance COCA audit Reaches 1.7 lacs active clients and gross AUM of Rs.169 crore as on Mar'10 1990 1996 1998 2008 2009 Date of inception of Satin- October 16, 1990 IPO and listing on DSE, JSE and LSE (1) Registers as NBFC with the RBI Started JLG Model in May 2008 JLG business shows strong asset quality and large potential to scale up Note: 1. Regional Stock Exchanges (DSE - Delhi Stock Exchange, JSE - Jaipur Stock Exchange, LSE- Ludhiana Stock Exchange); (2) BSE - BSE Limited, NSE - National Stock Exchange of India Limited, CSE - The Calcutta Stock Exchange Limited SATIN 46 46#47Key milestones Fund Raising Timeline 2015 2016 2017 2018 Raised Rs. 41.5 crore from SBI FMO(3) (including warrants); Rs.37.9 crore infused by Promoter Group Raised Rs. 250 crore via QIP in Oct'16; Exit of DMP in Jul'16 and ShoreCap in Aug'16 In Apr'17, raised $10 mn from ADB (4); Investment of Rs. 35 crore by IDFC First Bank (then Capital First); Raised Rs. 150 crore via QIP in Oct'17 Pref. Allotment: Equity funding by NMI (Rs. 20 crore), and Kora Cap (Rs. 80 crore); Promoter invested via FCW (Rs. 60 crore), IndusInd invested Rs. 45 crore via OCCRPS 2013 2012 2011 2010 2009 2019/20 Exit of MV Mauritius ■ Raised Rs. 120 crore by Rights Issue 2008 Raised Rs. 30 crore from DMP, ShoreCap and MV Mauritius Ltd; Rs.11 crore infused by Promoter Group; Exit of Lok Capital " Raised floating rate long term unsecured Tier II debt in Jul'14; Raised Rs. 28.4 crore of equity from NMI and $10 mn of debt from World Business Capital as ECB Raised Rs. 18 crore from Danish Micro Finance Partners K/S (DMP) in Feb'11 Raised Rs. 2.5 crore from Lok Capital in Nov 10 and Rs. 21.8 crore from ShoreCap Il in Dec'10; Rs. 7.7 crore infused by Promoter Group Raised Rs. 1.9 crore from Lok Capital First private equity investment Raised Rs. 4.87 crore from Lok Capital; Rs. 1 crore infused by Promoter Group Note: (3) SBI FMO Emerging Asia Financial Sector Fund Pte. Limited; (4) ADB - Asian Development Bank SATIN 47#48Our Business Model Follow up loans Formation of Groups 06 Centre Meeting and Collection Process 05 Documentation and Paper work 01 02 MICROFINANCE... & BEYOND Income Generating Loans (IGL) Long Term Loans (LTL) Training of Groups 03 04 Housing Finance Micro Small & Medium Enterprises (MSME) Loan Sanction Visionary Management backed by Professional Team Established track record of delivery through vast branch network Strong client relationship built on transparent practices & internal controls Low-risk lending aimed at income generation Diversification by product & geography Proprietary IT platform & Technology prowess SATIN Social impact financing of solar lamps, bicycles, water and sanitation facilities etc. Business Correspondence Large marquee institutional investor base Comfortable liquidity and CRAR CREATING A NICHE BY BEING A ONE-STOP FINANCIAL SERVICES PROVIDER FOR OUR CUSTOMERS 48#49... With Customised Products as per Client Needs Income Generation Loan (Prarambh) Ticket Size : Rs. 10,000 Rs. 30,000 Tenure : 24 months Long Term Loan (Vriddhi) Ticket Size: Rs. 30,000 - Rs. 50,000 Tenure: 24 months Product Financing/Wash Loan Ticket Size : Rs. 799 Rs. 17,999 - Tenure : 3-18 months • Household Income: Rural-Rs. 1.25 Lacs & Urban/Semi-Urban- Rs. 2 Lacs • Outstanding (incl. applied loan): <=Rs. 1.25 Lacs Eligibility Criteria • Satin can be 3rd lender & 2nd MFI • OTP validation • Credit scorecard SATIN 49#50Making a Difference to the Community Supporting Local Communities During COVID-19 Pandemic Distributed masks, ration and hygiene kits across districts in Punjab during COVID pandemic. Reached out to more than 3000 households. Outcome- Appreciation by the local administration and strengthened connect with clients Health Check-up Camps 5 Free health check-up camps in Assam and Odisha বিনামলীয়া স্বাস্থ্য পরীক্ষা শিবির স্যাটিন ক্রেডিটকেয়াৰ নেটৱৰ্ক লিমিটেড Organlaod to GNRC Hospital SCNL was awarded an appreciation letter from the District Collector, Dibrugarh (Assam) for our COVID relief initiatives in the district PALLA GOPAL JHA, IAS DEPUTY COMMISSIONERE DISTRICT MAGISTRATE, DIBRUGARH Dear Sir/Madam, DO No DCM-1/2020/36 Date: 11/07/2020 As we continue to fight against the outbreak of COVID-19, I take this opportunity to express my heartfelt gratitude to you and all other members of your organization who actively participated in the campaign of reaching out to the weaker/marginalized section of the society of the district in a bid to provide them relief materials in this bour of unprecedented crisis to make them believe that everybody will be taken care of whatever way possible. I reckon the kind of relief activities your organization have taken up rather rendered during the lockdown period will definitely inspire others to come forward to work in tandem with the District Administration to beat the challenges together that we are encountering due to this Coxid-19 Coronavirus panderaic Satin Credit Care, Dibrugarh Phone: (0173) 23 003 (0)1 2310062 R 2006 года Yours sincerely, Pr (Pallar Copal Jha, IAS) Appreciation by the local administration and strengthened connect with clients टू फोकस SATIN टू फोकस सैटिन क्रेडिटकेयर ने 1500 से ज्यादा परिवारों को हाइजीन किट और बच्चो को स्टेशनरी का बितरण किया ! Fixe 10073) 2318034 (0/2313800 (R) E-mail: de-brigat@ncin मोगा 16 अक्तूबर 2020 (प्रदीप सचदेवा) : भारतीय रिजर्व बैंक द्वारा मान्यता प्राप्त सैटिन क्रेडिटकेगर पंजाब में एक अग्रणी माइक्रोफिनस है जिसने द्वारा पुराना टू फोकस बदनीकला, बरमला और संगरूर के कई गाँव में 1500 से શ્રી महिलाओं को और उनके बच्चों को स्टेशनरी का वितरण किया है। वैश्विक आपदा कोविंद -19 को ध्यान में रखकर विशेष रूप से इस किट को तैयार किया गया है जिसमे मास्क और साबुन है। इसके अलावा बच्चे अभी स्कूल नहीं जा सकते है तो उनके पड़ने के लिए पेंसिल, शार्पनर, रखर और नोट पेट भी है। मैटिन क्रेडिटकेटर ने पहले भी अलग अलग जगहों पर CSR के तहन ऐसे किट महिताओं को वितरित किया है और साथ में उन्हें स्वच्छता और सम्बन्धी जानकारी भी दिया है। यह संस्था पिछले 10 वर्षों से पंजाब के सभी जिलों में 3 लाख से ज्यादा महिलाओं को तोन देकर उन्हें आत्मनिर्भर बनाने का कार्य कर रही है। कोविद -19 के कारन नहा गांव की महिलाओं का रोजगार बंद पड़ा हुआ है ऐसे में सैटिन क्रेडिटवेयर ने महिलाओं को फिर से तीन वितरण करना आरम्भ कर दिया है जिससे महिलावे अपना बंद पड़ हुआ व्यवसाय को पुनः शुरूआत कर सकेंगे। उस संस्था की सबसे खास बात यह है की यहाँ से महिला कुछ गिनी रखे 10000 से 50000 तक का लोन अपना व्यवसाय चलाने के लिए ले सकती है। Financial Empowerment Workshops Relaunched Financial Empowerment Workshops in a different format in the wake of COVD-19 - shorter duration and smaller gathering. Distributed ration and stationary kits. Relief Work post Amphan Cyclone- West Bengal Reached out and provided ration kits to around 5000 households in the aftermath of the Amphan Cyclone. Undertook relief work in the most affected 150 villages in our operation area. Flood & Cyclone Relief Initiatives Flood relief camps in West Bengal, Assam and Bihar Building a Difference to Make a Difference CARE NETH BRANCH OFFICE DOMJL ডোমজু 50#51Awards and Accolades Mr. HP Singh, CMD, was conferred the Best CEO of the Year at 'Golden Globe Tigers" virtual awards ceremony in Malaysia Mr. HP Singh received the 'Exemplary Leader' Award Mr. HP Singh received Business Leader of the Year Award in NBFC Sector at World HRD Congress by ET Now SATIN November 2018 Got sA social rating from Microfinanza Great Place To December 2018 Won the "SKOCH Award" for Digital Transformation January 2019 Received "C1" grade in Code of Conduct Assessment from ICRA July 2019 Moved up in Work® Certified "Fortune The Next 500" MAR 2021-FEB 2022 INDIA July 2019 Got 1st Prize in September 2019 Customer Service Index by MFIN "Outstanding Contribution to Water and Sanitation Lending" from Sa-Dhan and Water.org February 2021 SCNL Annual Report FY20 "ranked 17 worldwide" at Vision Awards by LACP, USA March 2021 Re-certified as "Great Place to Work" =November 2019 Awarded "Company with Great Manager" February 2020 Won "National Best Employer Brand" "Dream Companies to Work For" April 2021 Featured in "India's 30 Best Workplaces in BFSI-2021" 51#52ESG Snapshot Environment Social SATIN • Water and Sanitation (WASH) Loans SCNL has been constructively working towards safe water and sanitation in around 120 districts and more than 30,000 villages in 5 states of Assam, Bihar, Chhattisgarh, Uttar Pradesh and West Bengal In the FY21, SCNL disbursed a total of 26,819 WASH loans post reactivation in Oct'20 • Clean Energy Loans More than 1 lakhs clean energy loans were disbursed SCNL's clean energy programme is an illustration of its dedication to serve the society by providing customized financial solution Certificate of Excellence by UNFCC's Clean Development Program • • Our strength lies in our ground level knowledge and the strong bond that we have created with our stakeholders SCNL is reaching its borrowers through a suite of financial and non-financial services, tailored to meet their needs, including lending under Joint Liability Group model, loans to individual businesses, product financing, community level initiatives, financing household level toilet and water facility Almost all of SCNL clients are women, 75% of whom are based in rural hinterlands of India • Around 72% of the clients are from BPL category • Number of Board Meetings Conducted during the FY21: 10 Average attendance rate at the Board and Board committee meetings (%): 100% approx. Number of Board Committee Meetings Conducted during the FY 2020-21: Audit Committee-8, Risk Management Committee- 3, Nomination and Remuneration Committee-5, Stakeholders Relationship Committee- 1, Corporate Social Responsibility Committee- 2, IT Strategy Committee- 2, Rights Issue Committee-5, Working Committee Meeting-46 Governance SUSTAINABLE DEVELOPMENT GOALS 1 NO POVERTY AND WELL-BEING 4 QUALITY EDUCATION 5 GENDER EQUALITY 2 SSS ZERO HUNGER 3 GOOD HEALTH 6 CLEAN WATER AND SANITATION 7 AFFORDABLE AND CLEAN ENERGY 8 DECENT WORK AND ECONOMIC GROWTH M 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE 10 REDUCED INEQUALITIES 11 SUSTAINABLE CITIES AND COMMUNITIES 12 CONSUMPTION RESPONSIBLE 13 CLIMATE LIFE ACTION 14 BELOW WATER 15 LIFE ON LAND AND PRODUCTION 16 PEACE, JUSTICE AND STRONG INSTITUTIONS 17 PARTNERSHIPS FOR THE GOALS SCNL and the UN Sustainable Development Goals 52 42#53Contact Information Company (Investors & Media): Ms. Aditi Singh Head Investor Relations & Corporate Communication - E: [email protected] T: +91 124 4715 400 (Ext - 7004) www.satincreditcare.com SATIN