Satin Financial Review and Growth Strategy
Successfully Navigated Crisis During Legacy of 30 Years
Learnings from Demonetization
Implementation of best-in-class technology
•
Reduced TAT
. Real-time data
Di-risking geographic
concentration (No. of States)
District Diversification
+ 7 states
23
•
Enhanced Productivity
.
Improved monitoring and control
16
Diversifying Geographical Presence
226
Reduction in Top 4 state
contribution
+68%
81%
377
56%
•
•
Increasing exposure to Newer states
~97% of Districts with <1% exposure
Dec-16
Sep-20
Dec-16
Sep-20
Dec-16
Sep-20
Strong Capitalization with Ample Liquidity
.
Capital Adequacy has improved from
18.29% in 2016 to 32.33% currently
Reduced Leverage
District with <1% exposure
Improved Capital Adequacy
•
Raised Rs. 560 crores equity capital
Liquidity of Rs. 2,000 crores
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
7.0X
3.6X
97%
86%
18.29%
32.33%
SATIN
Dec-16
Sep-20
Dec-16
Sep-20
Dec-16
Sep-20
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