Satin Compelling Investment Story

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 • Increasing exposure to Newer states De-risking Geographic Concentration (No. of States) District Diversification 16 + 7 states 23 . . 95.8% of Districts with <1% exposure Uttar Pradesh share brought down from 40.9% in Dec'16 to 21.0% in Mar'21 Dec-16 Mar-21 Strong Capitalization with Ample Liquidity . Capital Adequacy has improved from 18.3% in 2016 to 25.3% currently Raised Rs 560 crore equity capital • Liquidity of over Rs 1,460 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 +72% 81% 388 Dec-16 Mar-21 54% Dec-16 Mar-21 Improved Capital Adequacy 25.3% 18.3% 4.1x SATIN Dec-16 Mar-21 Dec-16 Mar-21 29

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