Q4 FY23 Performance and Business Highlights
Key Ratios: Definitions
CreditAccess
Grameen
1. Portfolio Yield = (Interest on loans - processing fees + Income from securitisation)/ Avg. quarterly on-book loans
2. Cost of Borrowings / Weighted Avg. COB = (Borrowing cost – finance lease charges) / Daily average borrowings
3. Marginal COB = (Borrowings availed during the period * interest rate + processing fees and other charges) / Borrowings availed during
the period
4. NIM = (NII processing fees, interest on deposits, income from direct assignment + finance lease charges) / Avg. quarterly on-book
loans
5. Cost/Income Ratio = Operating cost / Total Net Income
6. Opex/GLP Ratio = Operating cost / Avg. quarterly GLP
7. ROA = PAT/Avg. Quarterly Total Assets (including direct assignment) (Annualized), ROE = PAT/Avg. Quarterly Total Equity (Annualized)
8. Debt Debt Securities + Borrowings (other than debt securities) + Subordinated Liabilities
=
9. GNPA Stage III exposure at default/ (Sum of exposure at default of Stage 1 + Stage II + Stage III)
10. NNPA = (Stage III exposure at default – Stage III ECL) / (Sum of exposure at default of Stage 1 + Stage II + Stage III – Stage III ECL)
11. Provisioning (ECL) = (Stage | ECL + Stage II ECL + Stage III ECL) / (Sum of exposure at default of Stage 1 + Stage II + Stage III)
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