Satin Creditcare Network Ltd · NSE:SATIN

Satin Creditcare Network — Q4 FY2019 Earnings Presentation

73 slides from Satin Creditcare Network's earnings presentation, May 8, 2019

1. Slide 1: Cover letter to stock exchanges

   May 8, 2019 To, The Manager, The Manager National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Bandra East, Mumbai-400051 Mumbai – 400023 Scrip Code: SATIN Scrip Code: 539404 Dear Sir/Madam, Sub: Investor Presen

2. Slide 2: Investor Presentation March 2019

   INVESTOR PRESENTATION March 2019 BUILDING A DIFFERENCE TO MAKE A DIFFERENCE BSE: 539404 | NSE: SATIN Corporate Identity No. L65991DL1990PLC041796 1

3. Slide 3: Contents and Cautionary Statement

   Contents 03 Key Business 10 Strong Risk and 24 Differentiated Product Performance Highlights Audit Procedure Offerings 33 Key Financial and Operational 40 Our Guidance 41 Operation and Financial Annexures Charts 57 Industry 69 Making a Difference to the Community Cautionary Statement Any forward-loo

4. Slide 4: Key Business Performance Highlights

   Key Business Performance Highlights India’s leading NBFC-MFI in terms of Assets Under Management (AUM), with higher-than-industry CAGR of 37.3% over last 6 years Crossed the USD 1-Billion AUM mark, improved operational metrics – RoA 3.1%, RoE 19.8%, CRAR 28.5% & Cost to Income Ratio 54.3% in FY 2019

5. Slide 5: Key Performance Indicators

   Key Performance Indicators(1) CROSSED USD 1-BILLION MARK - NEW FEATHER IN CAP Particulars AUM Revenue NII PAT RoA RoE CRAR Cost/ Inc (Rs cr) (Rs cr) (Rs cr) (Rs cr) (%) (%) (%) (%) FY19 7,068 1,448 806 201 3.1 19.8 28.49 54.3 FY18 5,757 1,031 497 75 1.4 11.2 21.18 67.8 YoY 22.8% 40.4% 62.0% 169.4% 1

6. Slide 6: Corporate Overview

   Corporate Overview PURSUING EXCELLENCE IN EVERY PARAMETER(1)... Rs. 195 crores 3.0% 19.1% Rs. 6,374 crores PAT, 137.3% up YoY ROA, 101.1% up YoY ROE, 56.0% up YoY GLP, 25.3% up YoY (2) Rs. 6,252 crores 23.4 lacs 977 99.5% Disbursements, 12.2% up YoY No. of Loans disbursed, Branches, 20.8% up YoY Col

7. Slide 7: Satin's Transformation

   “SATIN’S TRANSFORMATION” THE JOURNEY OF DIFFERENCE… KEEP FOLLOWING 6

8. Slide 8: A Difference Powered by Technological Prowess & Processes

   A Difference Powered by Technological Prowess & Processes Game changing digital transformation technology (LMS) has made operations quick & easy wherein we have been able to turn around the customer acquisition to disbursement journey from the traditional 18 days to few minutes. With this digital tr

9. Slide 9: LoanDost – New Initiative in Digital Lending

   LoanDost – New Initiative in Digital Lending Amongst the First MFIs to foray in digital lending with no human intervention, tapping the millennials “A Digital Lending Platform”  Satin has also taken a big leap & has come up with a step changing digital lending platform named “Loan Dost”, this has b

10. Slide 10: Process to Create a Difference

    Process to Create a Difference Strong Process to deliver Quality with enhanced customer experience • Robust due diligence with strict compliance of KYC, real time credit bureau checks • Disbursement control through cashless transaction – real time bank account verification by penny drop verification

11. Slide 11: Strong Risk and Audit Procedures

    Strong Risk and Audit Procedures Internal audit processes and systems design an annual audit plan to ensure optimum portfolio quality Full-fledged in-house Internal Audit department includes:  88-member team of Zonal Auditors and Regional Auditors with Head Office support with 20 man-days audit per

12. Slide 12: A Values-led Culture

    A Values-led Culture Values are the bedrock of business culture, a key driver Success is rooted in core values and powered by quality of differential approach credentials, enabled by the passion of our people Talent Management Training Interventions Seeking excellence Accountability & ownership Team

13. Slide 13: A People Oriented Culture

    A People Oriented Culture Value driven Culture : Core values were reworked and aligned to our belief as a team Talent Management : Building a Talent pipeline and identifying the high potentials (HI Pots) on the 9 Grid matrix as a key imperative to succession planning Learning initiatives : -12,603 M

14. Slide 14: Corporate Overview

    Corporate Overview CREATING A NICHE BY BEING A ONE STOP FINANCIAL SERVICES PROVIDER FOR OUR CUSTOMERS  Business primarily based on the Joint Liability Group (JLG) model, to enable women from rural and semi-urban areas to achieve self sustainability  Providing credit facilities for • Income Generat

15. Slide 15: Differentiated Business Structure

    Differentiated Business Structure Expanding scope of business through subsidiaries SATIN CREDITCARE NETWORK LIMITED Taraashna Services Ltd Satin Housing Finance Ltd Satin Finserv Limited (TSL) (SHFL) (SFL)  Subsidiaries are also rooted in the same values as pursued by Satin 14

16. Slide 16: Taraashna Services Ltd (TSL)

    Taraashna Services Ltd (TSL)  Acting as a business correspondent for Banks & NBFCs, TSL provides credit and other related facilities to clients in rural and semi-urban areas  ‘Digitization and Cashless’ focus has helped in achieving superior operational control down to the last business unit, thus

17. Slide 17: Satin Housing Finance Ltd (SHFL)

    Satin Housing Finance Ltd (SHFL) Main Ethos Principle of PPT – People, Process and Technology  Engaged in providing long-term finance  Home loans for retail segment – 88% of business for FY19  Loans against residential property  Boasts of excellent portfolio quality with NIL delinquency since in

18. Slide 18: Satin Finserv Limited (SFL)

    Satin Finserv Limited (SFL)  Incorporated in Aug’18  Got license from RBI to start the business in Jan’19  First loan successfully disbursed in Mar’19  Gross Loan Portfolio of Rs. 11.4 crores in FY19  CRAR for FY19 is 187.37%  Business will focus on retail MSME lending, wholesale lending to sm

19. Slide 19: Differentiated Investment Choice

    Differentiated Investment Choice... Marquee Shareholder Base As on March 31, 2019 Investor confidence  7 rounds of equity capital raised with marquee investors 16.38% Promoter  Profitable exit to 4 investors 27.94%  QIP: Rs. 250 crores from marquee institutions in Oct 2016, NMI Rs. 150 crores fro

20. Slide 20: BC Partnership with IndusInd Bank

    A Difference in Way of Doing Business Business Correspondent (BC) Partnership with IndusInd Bank  Entered into BC partnership with IndusInd Bank in H2 FY18  Share of BC portfolio(1) to total AUM has grown from ~1% in Q1 FY19 to ~10% in Q4 FY19 at Rs. 633 crores  Advantages from the agreement are

21. Slide 21: A Difference Manifested in A PAN-India Customer Base

    A Difference Manifested in A PAN-India Customer Base  Pan India presence, which has a growing distribution network to service the unique needs of over 35 lac customers on consolidated basis  Remain aggressively focused on deepening presence in the rural and semi-urban areas, particularly those uns

22. Slide 22: Successfully Reduced Concentration

    Successfully Reduced Concentration Share of Top 4 States Reduced from 87% to 56% over 4 years Focus on limiting concentration per state <20% by 2020 GLP - Q4 Q4 FY19 FY15 States Change FY19 Rs cr % mix % mix GLP UTTAR PRADESH 1527.6 21.6% 43.3% (RS. cr) 3,270.8 4,066.5 5,756.8 7,068.4 BIHAR 1236.9 1

23. Slide 23: Reduced Risk Through Limiting Exposure Per District

    Reduced Risk Through Limiting Exposure Per District % (JLG consolidated) Average exposure per district % % of Top 10 Districts to AUM % of Top 10 Districts to Networth 267% 0.50% 27% 0.45% 188% 21% 0.35% 19% 120% 88% 0.28% 16% FY16 FY17 FY18 FY19 FY16 FY17 FY18 FY19 FY16 FY17 FY18 FY19 Particulars F

24. Slide 24: Rural Focus of Operations

    Rural Focus of Operations Break-up of operations Purpose-wise details 7.8% 23.0% 16.4% 2.9% 72.9% 77.0% Rural Urban Agriculture & allied Production Trading Others For MFI portfolio excluding MSME 23

25. Slide 25: Differentiated Product Offerings

    Differentiated Product Offerings Business Correspondent SCNL Housing Finance SME services Product features Satin Housing MFI(1) Loans to MSME(2) Taraashna Services Ltd(3) Satin Finserv Limited (SFL)(5) as on Mar’19 Finance Ltd(4) Start Date May’08 (JLG) Apr’16 May’12(3) Feb’18 Mar’19 Ticket Size Ran

26. Slide 26: Resilient Satin

    “RESILIENT SATIN” SATIN CREDITCARE NETWORK LTD. aching out!

27. Slide 27: Improved Collection Efficiency

    Improved Collection Efficiency Robust collection efficiency reflecting high credit discipline in disbursement Period of disbursement Demand Collection % of AUM Cumulative CE% (Rs cr) (Rs cr) Jan’17 to Dec'17 4,413.95 4,327.34 11% 98.0% Jan’18 onwards 3,264.22 3,246.49 89% 99.5% Back to pre % of AUM

28. Slide 28: PAR Trends

    PAR Trends 35.8 26.6 19.1 14.4 15.3 11.4 6.7 5.9 4.4 5.4 5.0 4.1 3.6 3.4 2.9 Mar'17 Sep'17 Mar'18 Sep'18 Mar'19 PAR 1% PAR 30% PAR 90% 27

29. Slide 29: Strong Liquidity and ALM

    Strong Liquidity and ALM Strong Liquidity Position to Sustain Growth Benefit of positive ALM continues Amount raised in last 7 days of Mar’19: Rs. 618 crores 22.3 22.1 21.5 1,639 18.4 1,108 11.7 787 9.0 710 8.4 8.5 Mar'16 Mar'17 Mar'18 Mar'19 FY16 FY17 FY18 FY19 Liquidity (Rs. In crore) Avg. maturit

30. Slide 30: Static ALM as on 31st March 2019

    A Difference in Way of Doing Business Strong liquidity position Amount In Cr Static ALM as on 31st Mar 2019 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Total Inflows Liquidity at the beginning of month* 1,639 1,764 1,900 1,914 1,883 1,975 1,639 Principal - Loan portfolio 299 319 270 294 270 246 1,698

31. Slide 31: Improving Liability Profile

    Improving Liability Profile Diversified mix of funding Large Lender Base Source of funds raised during the period 77 Active Lenders Top 10 Funders % Share as on 31-Mar-19 21.3% 28.6% NABARD 14% 39.7% 39.6% 5.4% State Bank of India 13% 10.9% 6.4% IDFC First Bank Limited 7% 1.4% 12.2% 1.7% 7.6% 7.5% B

32. Slide 32: Dynamic Liability Profile Insulated from Capital Market Turbulence

    Dynamic Liability Profile Insulated from Capital Market Turbulence Product-wise Mar’19 Product-wise Mar’18 1% 1% 2% 15% 26% 1% 54% 21% 61% 18% Term Loan NCD Assignment / Securitization Commercial paper ECB Term Loan NCD ECB Securitisation/Assignment CP  No dependence on funding from commercial pape

33. Slide 33: Dynamic Liability Profile Insulated from Capital Market Turbulence

    Dynamic Liability Profile Insulated from Capital Market Turbulence Category of Lender Mar’19 Category of Lender Mar’18 1% 1% 13% 12% 13% 17% 47% 57% 12% 27% Banks NBFC Domestic Financial Institution Overseas Fund Banks NBFC DFI Overseas Fund Domestic Fund Domestic Fund  Low dependence on PSL fundin

34. Slide 34: Strong Capitalization

    Strong Capitalization Healthy CRAR to support Growth Opportunities Tie-up with bank and renewed interest of banks for Direct Assignment are reducing the requirement of capital for growth 28.49% 21.18% FY18 FY19 33

35. Slide 35: A Difference in the Way We Disburse

    A Difference in the Way We Disburse Growth While Focusing on Quality Average monthly disbursement in (Rs. in crores) 771 658 444 422 419 446 383 397 Q1 Q2 Q3 Q4 FY18 FY19 Data on standalone basis 34

36. Slide 36: Key Standalone Financials

    Key Standalone Financials Gross Income (Rs. in crores) Cost to Income Ratio (%) 1,373 59.5% 61.6% 53.4% 51.3% 977 42.3% 381 330 278 Q4 FY18 Q3 FY19 Q4 FY19 FY18 FY19 Q4FY18 Q3FY19 Q4FY19 FY18 FY19 NII and PAT (Rs. in crores) Opex to GLP (%) 734 7.1% NII 6.6% 445 6.5% PAT 6.3% 6.1% 214 195 179 134 70

37. Slide 37: Key Operation Metrics

    Key Operation Metrics Districts, States and Branches Employees & Loan Officers 6,9262 1,1631 6,382 11,8313 995 431 767 4,481 1325 18 22 9004 1344 16 16 2,684 6910 1,109 10,419 340 7,653 302 215 235 5,801 3,918 FY16 FY17 FY18 FY19 FY16 FY17 FY18 FY19 Districts States Satin Employees TSL Employees Loa

38. Slide 38: A Difference Visible in Key Financials

    A Difference Visible in Key Financials Steady growth seen in disbursement Disbursement1 (Rs. in crore) & No. of Loans1 (‘000) Satin JLG loans - Average Ticket Size (Rs.) 2,339 1,816 30,000 1,689 1,566 26,000 24,000 6,252 23,000 5,572 3,606 3,594 FY16 FY17 FY18 FY19 FY16 FY17 FY18 FY19 No. of Loans N

39. Slide 39: Credit Bureau Data for Screening Loan Applications

    Credit Bureau Data for Screening Loan Applications Hit Rate for all Products-Q4 FY19 CB Rejection Reason-Q4 FY19 13% 34% 52% 14% 87% 1% No Hit Hit >2 MFI Ticket Size Defaulters Over Indebtedness SCNL Guidelines Rejection Rate for all products is ~17% for Q4FY19 Note: Limit RBI Guidelines MFIN Guidel

40. Slide 40: Re-engineered Future

    Re-engineered Future Core operations (MFI Lending)  Focus on Portfolio Quality  Aim to achieve per state exposure to <20% by 2020  Increase penetration through existing branches and by establishing new branches  Scale up BC operations with IndusInd Bank  Diversify revenue sources by increasing

41. Slide 41: Our Guidance

    Our Guidance Guidance FY19 Actual FY19 Guidance FY20 260 201 165 PAT (Rs cr) On consolidated basis 40

42. Slide 42: Annexure – Business Details – Consolidated

    Annexure – Business Details – Consolidated Particulars Q4 FY19 Q4FY18 YoY% Q3FY19 QoQ% AUM (Rs. cr) 7,068 5,757 22.8% 6,208 13.9% On-Book AUM * 4,459 4,303 3.6% 4,293 3.9% Securitization 429 773 -44.5% 446 -3.9% Assignment 1,281 9 - 889 44.1% Business Correspondence - IBL 633 - - 407 55.4% TSL - Bus

43. Slide 43: Annexure – Business Details – Consolidated

    Annexure – Business Details – Consolidated Particulars Q4 FY19 Q4FY18 YoY% Q3FY19 QoQ% No. of Employees 11,831 9,004 31.4% 11,940 -0.9% SCNL 10,419 7,653 36.1% 10,538 -1.1% TSL 1,325 1,344 -1.4% 1,335 -0.7% SHFL 83 7 - 67 23.9% SFL 4 - - - - No. of Loan Officers 6,959 6,382 9.0% 6,874 1.2% SCNL 5,99

44. Slide 44: Annexure – P&L Statement – Consolidated (Quarterly)

    Annexure – P&L Statement – Consolidated (Quarterly) Particulars (Rs cr) Q4 FY19 Q4 FY18 Q3 FY19 YoY% QoQ % Revenue Interest and Fee Income 239 257 284 -7.0% -15.9% Net Gain On Derecognition of Financial Instruments 48 - 68 -30.1% Treasury Income 30 20 25 52.3% 20.7% Service Charges 28 17 23 64.0% 21

45. Slide 45: Annexure – P&L Statement – Consolidated (Full year)

    Annexure – P&L Statement – Consolidated (Full year) Particulars (Rs cr) FY19 FY18 YoY % Revenue Interest and Fee Income 1,116 905 23.3% Net Gain On Derecognition of Financial Instruments 133 - Treasury Income 95 71 33.1% Service Charges 87 52 68.8% Other Operating Income 16 3 437.7% Total Revenue 1,

46. Slide 46: Annexure - Operational Details – Standalone (Quarterly)

    Annexure - Operational Details – Standalone (Quarterly) PARTICULARS Q4 FY19 Q4 FY18 Q3 FY19 YoY % QoQ % Gross AUM (Rs. cr) 6,374 5,085 5,590 25.3% 14.0% No. of districts 340 302 340 12.6% 0.0% No. of branches 977 809 937 20.8% 4.3% No. of States of operation 22 18 23 22.2% -4.3% No. of Employees 10,

47. Slide 47: Annexure - Operational Details – Standalone (Quarterly)

    Annexure - Operational Details – Standalone (Quarterly) PARTICULARS Q4 FY19 Q4 FY18 Q3 FY19 YoY % QoQ % Productivity Metrics for MFI lending Gross AUM/ Branch (Rs. cr) 6.3 6.2 5.8 0.9% 8.1% Gross AUM/ Loan Officer (Rs. cr) 1.0 0.9 0.9 11.7% 11.8% Disbursement/ Branch (Rs. cr) 2.2 2.4 1.3 -8.1% 66.0%

48. Slide 48: Annexure - Operational Details – Standalone (Full year)

    Annexure - Operational Details – Standalone (Full year) PARTICULARS FY19 FY18 YoY % Gross AUM (Rs. cr) 6,374 5,085 25.4% No. of districts 340 302 12.9% No. of branches 977 809 20.8% No. of States of operation 22 18 22.2% No. of Employees 10,419 7,653 36.1% No. of Loan Officers 5,991 5,493 9.1% No. o

49. Slide 49: Annexure - Operational Details – Standalone (Full year)

    Annexure - Operational Details – Standalone (Full year) PARTICULARS FY19 FY18 YoY % Product Financing Gross AUM (Rs. cr) 6.5 0.1 - No. of Loans Accounts 30,374 732 - Disbursement during the period (Rs. cr) 18.2 0.2 - No. of loans disbursed during the period 53,901 732 - Ticket Size for the period (R

50. Slide 50: Annexure - Financial Performance – Standalone

    Annexure - Financial Performance – Standalone Particulars (Rs cr) FY19 FY18 Q4 FY19 Q4 FY18 Q3 FY19 Gross yield (1) 23.97% 22.45% 22.07% 23.66% 27.35% Financial Cost Ratio(2) 11.15% 12.22% 10.10% 12.27% 11.95% Net Interest Margin(3) 12.81% 10.23% 11.98% 11.39% 15.40% Operating Expense ratio(4) 6.57%

51. Slide 51: Annexure – P&L Statement– Standalone (Quarterly)

    Annexure – P&L Statement– Standalone (Quarterly) Particulars (Rs cr) Q4 FY19 Q4 FY18 Q3 FY19 YoY% QoQ % Revenue Interest and Fee Income 237 258 282 -8.1% -15.9% Net Gain On Derecognition of Financial Instruments 48 - 68 -30.1% Treasury Income 29 19 24 50.2% 21.7% Service Charges 14 - 8 68.6% Other O

52. Slide 52: Annexure – P&L Statement – Standalone (Full year)

    Annexure – P&L Statement – Standalone (Full year) Particulars (Rs cr) FY19 FY18 YoY % Revenue Interest and Fee Income 1,113 905 22.9% Net Gain On Derecognition of Financial Instruments 133 - Treasury Income 91 69 32.4% Service Charges 25 - Other Operating Income 11 2 339.1% Total Revenue 1,373 977 4

53. Slide 53: Annexure - Operational Details – TSL

    Annexure - Operational Details – TSL Particulars Q4 FY19 Q4 FY18 YoY % Q3 FY19 QoQ % Gross AUM (Rs. cr) 604 670 -9.8% 573 5.4% Disbursement during the period (Rs. Cr) 206 259 -20.5% 152 35.4% No. of loans disbursed during the period 72,115 99,106 -27.2% 54,023 33.5% No. of Active Customers 396,887 4

54. Slide 54: Annexure - P&L Statement– TSL

    Annexure - P&L Statement– TSL Particulars (Rs cr) Q4 FY19 Q4 FY18 Q3 FY19 YoY% QoQ % Revenue Total Revenue 16.4 17.2 16.9 -4.9% -3.2% Expenses Finance Cost 1.1 1.5 0.4 -24.5% 210.3% Employee Benefit Expenses 8.7 6.9 9.0 26.1% -3.3% Credit Cost 2.0 11.5 1.9 -82.3% 6.8% Other Expenses 2.3 2.1 3.0 6.6%

55. Slide 55: Annexure – P&L Statement – TSL

    Annexure – P&L Statement – TSL Particulars (Rs cr) FY19 FY18 YoY % Revenue Total Revenue 68.3 53.9 26.8% Expenses Finance Cost 2.5 2.4 4.4% Employee Benefit Expenses 35.3 30.4 16.2% Credit Cost 5.7 21.0 -72.7% Other Expenses 11.1 9.5 17.1% Depreciation and amortization expense 1.1 0.7 60.8% Total Ex

56. Slide 56: Annexure - Financial & Operational Details – SHFL

    Annexure - Financial & Operational Details – SHFL Particulars Q4FY19 Q3FY19 QoQ% Particulars (Rs cr) FY19 FY18 Gross AUM (Rs. cr) 79 45 73.7% Revenue Average Ticket Size (Rs) 1,453,000 1,380,000 5.3% Interest and Fee Income 4.5 0.0 Disbursement (Rs. cr) 34 21 60.5% Treasury Income 1.0 0.6 CRAR (%) 1

57. Slide 57: Annexure - Financial & Operational Details – SFL

    Annexure - Financial & Operational Details – SFL Particulars FY19 Particulars (Rs lacs) FY19 Revenue Gross AUM (Rs. cr) 11.4 Interest and Fee Income 10.34 Average Ticket Size (Rs) 28,700,000 Treasury Income 0 Disbursment (Rs. cr) 11.5 Other income 0.04 No. of Loan Disbursed 4 Total Revenue 10.38 No.

58. Slide 58: Industry Performance

    Industry Performance 11,747 1 lacs 2.94 crores Branch network, up 34% Y-o-Y employee base, up 38% Y-o-Y Clients, up 34% Y-o-Y 3.60 crores Rs. 29,733 60,549 crores Loan accounts, up 35% Y-o-Y Average ticket size, up 14% Y-o-Y AUM, up 52% YoY Source: MFIN Micrometer December 2018, Data is for Microfin

59. Slide 59: Industry Performance

    Industry Performance  As of December 31st 2018, GLP of NBFC-MFIs was estimated at Rs. 60,549 crores  Top 10 MFIs, in terms of loan amount disbursed, accounted for 78% of total industry disbursements Loan Portfolio (Rs. in crore) Breakup of GLP geography Breakup of GLP purpose (31st Dec 2018) (31st

60. Slide 60: Industry - Growth Drivers

    Industry - Growth Drivers Government initiatives such as Micro Units Development and Refinance Agency (MUDRA), Pradhan Mantri Jan Dhan Yojana (PMJDY), etc Government focus Massive growth potential of MSME Healthy growth in affordable on digitisation and Business Correspondence (BC) housing finance s

61. Slide 61: Satin Surging Ahead, Faster than Industry

    Satin Surging Ahead, Faster than Industry Industry is growing at a CAGR of ~26% Satin maintained a healthy growth momentum 90,818 7,068 78,230 5,757 61,623 4,067 50,535 3,271 38,386 2,141 24,499 1,056 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Dec'18 Satin GLP Rs cr

62. Slide 62: BC Operations of NBFC-MFIs

    BC Operations of NBFC-MFIs  BC portfolio to witness healthy growth as overall banking credit growth recovers, MFI industry stabilizes and competition from SFBs reduces  Micro-lending through BCs have attracted banks due to several benefits such as: o Meeting of PSL targets without any direct invol

63. Slide 63: Small Ticket Housing Finance Companies (HFCs)

    Small Ticket Housing Finance Companies (HFCs) Key Growth Drivers include  Thrust on low ticket housing with Government initiatives like Housing for All, Pradhan Mantri Awas Yojana, Infra status to affordable housing companies etc  Revision of interest spread cap to 3.5% for Rural Housing Fund (RHF

64. Slide 64: Micro, small and medium enterprise (MSME) finance

    Micro, small and medium enterprise (MSME) finance Share of and private banks to increase in MSMSE credit NBFCs’ MSME credit to sustain impressive growth Share of MSME Finance By Institutions GLP (Rs. Bn) 1,821 1,505 5.3% 6.4% 7.2% 8.1% 8.9% 9.5% 2.5% 3.0% 2.9% 2.9% 3.0% 3.0% 1,204 24.8% 26.0% 27.0%

65. Slide 65: Awards and Accolades

    Awards and Accolades  Mr. HP Singh, CMD, was conferred the ‘Golden Globe Tiger Awards’ at an awards ceremony in Malaysia  Mr. HP Singh received the ‘Exemplary Leader’ Award  Mr. Dev Verma, Chief Operating Officer, was presented the ‘Leader of the Year’ Award  ‘Digital Innovation in Microfinance’

66. Slide 66: Highly Proficient Management Team

    Corporate Overview HIGHLY PROFICIENT MANAGEMENT TEAM Mr. HP Singh, Mr. Jugal Kataria, Mr. Dev Verma, Mr. Sanjay Mahajan, Chairman and Managing Director Chief Financial Officer Chief Operating Officer Chief Information Officer  Has over 3 decades of lending  Cost Accountant, Chartered  22+ years o

67. Slide 67: Highly Proficient Management Team

    Corporate Overview HIGHLY PROFICIENT MANAGEMENT TEAM Mr. Subir Roy Chowdhury, Mr. Partho Sengupta, Mr. Amit Sharma, Mr. Sanjeev Vij, Mr. Sumit Mukherjee Chief Human Resource Officer Chief Process & Risk Officer WTD & CEO, Satin Housing WTD & CEO, Taraashna WTD & CEO, Satin Finserv Ltd Finance Limite

68. Slide 68: Key milestones: Business Timeline

    Key milestones: Crossed the USD 1 billion AUM mark 20 years to reach AUM of Rs 100 Cr; next 9 years to reach AUM of Rs. 7,000 Cr Business Timeline 2015 2016 2017 2018 2019 Listing on NSE, BSE and Received NBFC license for SHFL commenced lending in CSE(2); Reaches 27.1 lac active Satin Finserv Ltd fo

69. Slide 69: Key milestones: Fund Raising Timeline

    Key milestones: Crossed the USD 1 billion AUM mark 20 years to reach AUM of Rs 100 Cr; next 8 years to reach AUM of Rs. 5,000 Cr Fund Raising Timeline 2015 2016 2017 2018 2019  Raised Rs. 41.5 cr  Raised Rs. 250 cr via  In Apr’17, raised $10  Pref. Allotment:  Exit of MV Mauritius from SBI FMO(

70. Slide 70: Making a Difference to the Community

    Making a Difference to the Community As part of its CSR efforts, SCNL has been supporting Maharaja Agrasen Hospital Charitable Trust (MAHCT) During FY 19, the Company contributed Rs. 85.75 lacs to the Trust for setting up of Maharaja Agrasen Medical University at Bahadurgarh (Jhajjar, Haryana) The

71. Slide 71: Making a Difference to the Community

    Making a Difference to the Community Our financial services improve the lives of financially excluded clients and their families. We also engage in socially relevant services to reach out to and empower, the most disadvantaged sections of the society Women Leadership Health Flood Loan Empowerment Wo

72. Slide 72: Contact information

    Contact information For any queries, please contact : For media queries, please contact : Aditi Singh Asleen Kaur Head – Capital Markets PR & Corporate Communications Satin Creditcare Network Limited Satin Creditcare Network Limited E: Aditi.singh@satincreditcare.com E: asleen.kaur@satincreditcare.c

73. Slide 73: Thank You

    Thank You SATIN CREDITCARE NETWORK LTD. Reaching out!

Satin Creditcare Network — Q4 FY2019 Earnings Presentation on 6ix