Investor Presentaiton

COVID-19 Business Update • All branches were operational as on 30th June 2020, all staff has resumed work SATIN Branch Operations & Centre Meetings • Disbursements got impacted on account of Nationwide Lockdown during the quarter New disbursements were majorly done to existing customers with strong repayment history As per Central and State Governments directives, the workforce were carrying on operations at the branch level on rotational basis • • Continuous interaction with field staff helped us keep them motivated Collection Efficiency • We got COVID insurance cover for all the employees We have activated ~98% of the centres . Focused on cashless collection and quickly launched digital collections which have seen a good traction and scale . Launched customer service app to connect with clients and cashless collection Saw improvement in repayments and collections Month on Month with lockdown restrictions easing out The collection efficiency trends are as follows: - April - 3%; May - 17%; June – 62%; July - 85%; August - 85% • Most of the customers have started paying instalments . 11% of the customers have opted for Complete Moratorium SATIN CREDITCARE NETWORK LTD. Reaching out! 4

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