Investor Presentaiton

COVID-19 Business Update • As of 30th June 2020, GNPA stood at 2.4% • COVID related provision of Rs. 90 crore over and above standard ECL, which is 2% of on-book portfolio Credit Cost and Provisioning • We have made adequate provisions against default risk of our book under moratorium and other exigencies • • Have made total Expected Credit Loss (ECL) of 3.2% as against our GNPA of 2.4% for on-book portfolio As on 30th June 2020, on-book NNPA stood at -0.8% Capital and Liquidity SATIN • . As of 30th June 2020, CRAR stood at 31.09% which is well above regulatory requirements, having a robust ALM position Continue to maintain a healthy balance sheet liquidity with Rs. 1,652 crore of surplus funds as on 30th June 2020, leverage of 3.6x Have undrawn sanctions worth Rs. 1,006 crore as on 30th June 2020. More loan applications in advanced stage of processing During the quarter, the Board of Directors of the Company, considered and approved the fund raising by way of the Rights Issue of Rs. 120 crore which will further augment our capital base to meet future capital requirements and funding requirements for growth of the business and operations and general corporate purposes. • The Company has successfully raised Rs. 120 crore via Rights Issue of partly paid equity shares in the ratio of 48:125. The issue was oversubscribed at 123% The Company has made first call of Rs.15 per share on application and balance amount would be called via one or more subsequent calls as may be determined by the Board/Committee of the Board, from time to time SATIN CREDITCARE NETWORK LTD. Reaching out! 5

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