Business Trends and Strategic Changes

ESG - Being a Responsible Financial Institution. ☑ ENVIRONMENTAL SOCIAL 血 ⑥SATT SATIN • • Water and Sanitation (WASH) Loans Constructively working towards safe water and sanitation in around 280 districts and more than 26,000 villages in 19 states viz Bihar, Orissa, Uttar Pradesh, West Bengal etc. In FY23, disbursed a total of 91,830 WASH loans Clean Energy Loans an • SCNL's clean energy programme is illustration of its dedication to serve the society by providing customized financial solution • Certificate of Excellence by UNFCCC's Clean Development Program • Our strength lies in our ground level knowledge and the strong bond that we have created with our stakeholders • Reaching borrowers through a suite of financial and non-financial services, tailored to meet their needs, including lending under JLG model, product financing, community level initiatives, financing household level toilet and water facility • Almost all of SCNL clients are women, 77% of whom are based in rural hinterlands of India • Around 72% of the clients are from BPL category • GOVERNANCE Board comprises of 7 members; 5 Independent directors of which 1 is a woman director • Number of Board Meetings Conducted during the FY23: 7 • Average attendance rate at the Board and Board committee meetings (%): 91% and 95% respectively • All major committees are headed by Independent directors • Strong grievance redressal mechanism; over 99% of customer complaints resolved within TAT • Positive findings from various Assessment studies Impact • Strong disclosures compliance with transparent We remain committed to the cause of impact and inclusion 17

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