Satin Compelling Investment Story

3. A Difference Powered by Technological Prowess & Processes... • • Game Changing Digital Transformation Technology (LMS) LMS Online real-time system Last Mile Connectivity on Tabs Greener (paperless environment) Event based mapping of Geo Location & Tracking Penetration Instant Bank Account Verification Core Accounting & Financial System Cashless Disbursement @100% branches API centric multiple cashless collection processing in the system (AEPS, Debit Card, Net Banking, UPI, QR Code) Real-time Dashboards Real-time CB Checks Features enabling brand recall value (SMS, OTP, QR Code) Cross sell disbursal module with real-time partner inventory tracking HR Management Module (employee creation, transfer, attendance, exit, leave management etc.) . . . • Turn Around Time of Customer Acquisition to disbursement journey Reduced from 18 days to a few minutes Technology Footprint Employee Fraud Detection & Recovery Module Lender Fund Allocation Module Funder Borrowing Module BC subsidiary also using the same technology & leveraging the same benefits Centralized Shared Service centre introduced within SATIN; to create unified support model across Business Reporting / End User Applications Support & Managed Infrastructure Developed in-house software for subsidiaries like Housing & MSME too In-house Customer Service Application for MFI business & Help us to be ahead of the curve to better respond to the ever-changing business scenarios Gold Standard Information Security Our company is the first MFI to be certified with ISO 27001:2013, which affirms the prevalence of robust ISMS specifying the requirements for establishing, implementing, maintaining and continually improving ISMS within the organisation This certification indicates SATIN has integrated a robust ISMS in its business processes & exemplifies that information security and client confidentiality are part of the cornerstones of SATIN's strategic objectives SATIN 23

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