CREDITACCESS GRAMEEN LIMITED — PPTs, 28-10-2025: Investor Presentation

**1. Business Performance:**

CreditAccess Grameen delivered strong Q2/H1 FY26 disbursements (INR 5,322 Cr / INR 10,780 Cr YoY). GLP reached INR 25,904 Cr, Retail Finance now 11.1%. Asset quality improved: PAR 90+ 2.50%, GNPA 3.65%, driven by lower delinquencies and active deleveraging.

**2. Growth Drivers or Strategy:**

Strategy: Scale individual business loans for retention, attract new-to-credit clients, and expand contiguously. Heavy tech investment for efficiency/risk management, supported by diverse, long-term funding.

**3. Recent Developments:**

H1 FY26 saw 150 new branches (total 2,209). Retail Finance's portfolio share significantly increased. Asset quality stabilized despite seasonal impacts, with borrower deleveraging evident.

**4. Key Financial Metrics:**

Q2 FY26 NII: INR 976 Cr, PAT: INR 126 Cr. H1 PAT: INR 186 Cr. Capital strong: CRAR 26.1%, D/E 2.8. Q2 ROA: 1.8%, ROE: 7.1%.

**5. Management Commentary / Outlook:**

Management expects robust H2 FY26 profitability and loan growth from a strengthening rural economy. Focus remains on balance sheet normalization via conservative provisioning, plus tech upgrades and diverse long-term funding.