Satin Compelling Investment Story

Strengthening Business Despite Challenging FY21 Provisions The Company has made a cumulative on-book provision of Rs. 289 crore, of which Rs. 44 crore has been recognized by the Company as at 31 March 2021 on account of significant increase in credit risk on customers given additional support by the Company which were impacted due to Covid-19 • Maintained adequate provisions and write offs for bad loans, expect a write back in the coming quarters • On-book GNPA stood at 8.4% while NNPA stood at 3.3% on standalone basis Guidance FY21 was a challenging year for the Micro-Finance Industry as a whole • Considering the various challenges faced due to Covid-19 Pandemic and the resultant lockdowns, the Company had guided for flattish growth and no commitment on profits in FY21 However, the Company has witnessed 2.5% growth in AUM. 9MFY21 had a PAT of Rs. -52 crore, Q4FY21 contributed a PAT of Rs. 38 crore, thus resulted in PAT of Rs. -14 crore in FY21 Taking Care of Satin Family Satin Sahyog to support families of employees who pass away due to Covid-19 or accidental death Covid insurance for Satin staff to help with medical expenses and facility to provide oxygen concentrator and nurses at home for infected Satin staff Facilitation of Covid-19 vaccination for all our employees. The organization will cover the vaccination cost of two mandated vaccine shots for all the employees as part of its focus on health and wellness The initiative is aimed to safeguard the well-being of our employees from Covid-19 which has crippled the nation Numbers are on a consolidated basis except otherwise stated SATIN 5

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