Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Q1 FY22 Earnings Presentation
20 slides from Satin Creditcare Network's earnings presentation, Aug 9, 2021
Slide 1: Satin Creditcare Network Ltd. - Reaching out!
SATIN CREDITCARE NETWORK LTD. Reaching out! August 9, 2021 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/SATINPP1
Slide 2: Investor Presentation August 2021
Investor Presentation August 2021
Slide 3: Content
Content 03-11 12-16 17-30 Business Update & New Initiatives Overview and Key Performance What makes Satin a Compelling Highlights Investment Story 31-44 45 - 53 Key Financial & Operational Company Background Metrices Cautionary Statement Any forward-looking statements about expected future events, f
Slide 4: Business Update & New Initiatives
Business Update & New Initiatives
Slide 5: Q1 FY22 Quarterly Business Updates
Q1iFY22 Quarterly Business Updates... Collection Efficiency * Collection efficiency witnessed dip on account of second wave of Covid-19 pandemic during the quarter. However, collections have started to pick up with declining infections and lifting of lockdown restrictions since 3 week of Jun’21 * Cu
Slide 6: Q1 FY22 Quarterly Business Updates
..-Q1FY22 Quarterly Business Updates BE dley eee Rem ell, ¢ Satin Sahyog to support families of employees, in the event of demise due to Covid-19 or accidental death — benefits include pension, children’s education and job to a family member among others * Covid insurance for Satin staff to help wit
Slide 7: Business Trends
Business Trends... Rs. 7,464 crore Rs. 282 crore 5 29.6 lacs 1,264 GROSS LOAN PORTFOLIO DISBURSEMENT in Q1FY22 ACTIVE CUSTOMERS NO. OF BRANCHES Asset under Management Trends (Q-o-Q) Disbursement Trends (Q-o-Q) 792 8,119 8,379 607 7,667 7,880 ey 972 239 ay ly) 22 Q1FY21 Q2 FY21 Q3 FY21 Q4 FY21 QuFY22
Slide 8: Trends in Collection Efficiency
... Trends in Collection Efficiency Month on Month Collection Efficiency Trends 105% 93% 9 a I j : 5 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 m@ CE% (Incl. Arrears) Collection Efficiency Trends in Key States — 53% of AUM CE % (Incl. Arrears) Uttar Pradesh 105% 98% 83% 92% 96% Bihar 114% 99% 80% 90%
Slide 9: Trend of % of Non-Paying Customers
Trend of % of Non-Paying Customers Jae. Meymeh WII MCI M Aims CL Ra te * There is no intent issue since 95% clients have paid at least one instalment in Jun’21 — difficulty in paying due to adverse external environment ¢ Non-paying clients at 5% in Jun’21, this number was 11% in Sep’20 which is a pr
Slide 10: Update on Subsidiaries - SHFL
Update on Subsidiaries - SHFL Satin Housing Finance Limited Monthly disbursement has started SHFL had 3 successive profitable quarters showing progressive recovery despite despite challenging business environment, PAT Covid-19, AUM grew by 56% in Q1FY22 for QIFY22 stood at Rs.0.5 crore YoY Q1FY22 di
Slide 11: Update on Subsidiaries - TFSL & SFL
Update on Subsidiaries — TFSL & SFL Taraashna Y Collection Efficiency for Jun’21 stood at 87% Financial BPavris § 2-1 h 1. Fay Y Disbursement stood at 52 Crores for Q1FY22 Services Limited ¥ Sourcing business for SCNL & SFL under Nai Roshni AUM growth of 6% YoY in Q1IFY22 NNN SFL Satin Finserv Healt
Slide 12: Objective Behind Amalgamation
Objective Behind Amalgamation The combined entity would be able to efficiently use the capital invested in the two entities and leverage the same TAROOOSHINA Currently the revenue sharing arrangement between TFSL and SFL is taxable. In the combined entity tax benefit will accrue to the business TFSL
Slide 13: Overview
yo “imeiAe Bri weeae,1 Oia “ o =e oi Overview
Slide 14: Fostering Inclusive Growth
Fostering Inclusive Growth The history of SCNL goes back to 1990 when it started providing finance to the shopkeepers who were deprived of formal financing Today, after three decades of rich experience, SCNL has emerged as one of the leading and trusted Indian microfinance companies Headquartered in
Slide 15: Key Performance Highlights
Key Performance Highlights
Slide 16: Corporate Overview Standalone - Q1FY22
Corporate Overview Standalone — Qi1FY22 ss 222eoe 0 «28.8 sre 23 1,022 DISBURSEMENT LOAN ACCOUNTS STATES & UT’s BRANCHES OUTSTANDING o' 0.55 Lacs 4 \ X| . a| oe rs.6,444 crore Rs. (71) crore oO yy O O NO. OF LOANS DISBURSED ‘Ck GROSS LOAN PORTFOLIO PROFIT AFTER TAX ae oO oO oO O CAPITAL ADEQUACY RET
Slide 17: Corporate Overview Consolidated - Q1FY22
Corporate Overview Consolidated — Q1IFY22 Rs. 343 crore 29.6 Lacs 1,264 REVENUES CLIENTS BRANCHES Rs. 180 crore rs. 4,464 crore O “se 23 NET INTEREST INCOME GROSS LOAN PORTFOLIO STATES & UT’s (22.5%) Rs. (81) crore oO RETURN ON ASSETS RETURN ON EQUITY PROFIT AFTER TAX Above Data is for QIFY22 /\
Slide 18: What makes Satin a Compelling Investment Story
What makes Satin a Compelling Investment Story
Slide 19: What makes Satin a Compelling Investment Story
What makes Satin a Compelling Investment Story Leading MFI Player With Differentiated Product Offerings Diversified Geographical Reach Technology Prowess Robust Underwriting Processes Well-diversified Liability Profile Ample Liquidity & Positive ALM Strong & Experienced Management Team Successfully
Slide 20: Differentiated Product Offerings
1. Differentiated Product Offerings Business Correspondent Housing Finance Services Product features Taraashna Financial Services FLT COLO nym arenas) Limited) Satin Finserv Limited (SFL)! Eels Ul wea | Limited) Start Date May’08 (JLG) May’12 Feb’18 Mar’19 Upto Rs. 50,000 Ticket Size Range Upto Rs.
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