Investor Presentaiton
Successfully Navigated Crisis During Legacy of 30 Years
Learnings from Demonetization
Implementation of best-in-class technology
• Reduced TAT
•
Real-time data
Enhanced Productivity
Improved monitoring and control
Diversifying Geographical Presence
De-risking Geographic
Concentration (No. of States)
District Diversification
16
+ 7 states
23
•
Increasing exposure to Newer states
97.7% of Districts with <1% exposure
UP share brought down from 40.9% in
Dec'16 to 20.3% in Jun'21
Dec-16
Jun-21
Strong Capitalization with Ample Liquidity
Capital Adequacy has improved from
18.3% in 2016 to 24.0% currently
Raised Rs 560 crore equity capital
.
Liquidity of around Rs 1,500 crore
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
Reduced Leverage
7.0x
226
Reduction in Top 4 State
Contribution
+73%
81%
391
Dec-16
Jun-21
53%
Dec-16
Jun-21
Improved Capital Adequacy
24.0%
18.3%
4.1x
SATIN
Dec-16
Jun-21
Dec-16
Jun-21
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