Investor Presentaiton

Q1FY22 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

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