Satin Compelling Investment Story

4. 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 117 Zonal Auditors & Regional Auditors 100% Digital on Audit Reports and Findings Feedback based Compliance Audit 986 Audits completed in Q4FY21 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 18 man-days field audit per auditor per month 25

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