Q4 FY23 Performance and Business Highlights
Q4 FY23: Key Business Highlights
Robust Business Momentum, Strong Operating Profitability, And Best In Class Asset Quality
CreditAccess
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Grameen
Q4 FY23
YOY%
Change
QoQ%
Change
Q4 FY23
YoY%
Change
QoQ%
Change
GLP (INR Cr)
21,031
+26.7%
+18.2%
NII (INR Cr)
690
+32.7%
+21.8%
CA Grameen
17,561
+27.9%
+18.5%
PPOP (INR Cr)
503
+36.3%
+32.5%
MMFL
3,470
+21.0%
+17.1%
PAT (INR Cr)
297
+86.4%
+37.4%
Write-off
102
0.6% of Dec-22 GLP
NIM %
12.2%
+90 bps
+30 bps
Borrowers (Lakh)
42.64
+11.5%
+8.3%
ROA %
5.5%
+187 bps
+95 bps
CA Grameen
34.13
+16.8%
+9.1%
ROE %
24.0%
+836 bps
+555 bps
MMFL
8.75
-5.9%
+4.8%
Liquidity (INR Cr)
Write-off
0.45
1.2% of Dec-22 Borrowers
Capital
Total
Tier 1
Cash & Cash Equivalents
1,891
Disbursements (INR Cr)
7,171
+23.8%
+47.9%
Undrawn Sanctions
4,675
CA Grameen
5,993
+28.9%
+48.2%
CRAR %
23.6%
22.7%
Sanctions in Pipeline
3,900
MMFL
1,178
+3.0%
+46.6%
Q4 FY23 Collections Efficiency (Excl. Arrears)
98.2%
Highest quarterly disbursements
98.4%
Q4 FY23 Collections Efficiency (Incl. Arrears)
GNPA % (largely @ 60+ dpd)
1.21%
ECL Provisioning
1.78%
NNPA %
0.42%
Highest ever quarterly profitability
PAR 90+%
0.96%
1)
Excluding 23,297 common borrowers
Highest quarterly customer additions of ~5.5 Lakh
Normalised collection efficiency
Best-in-class asset quality
Strong balance sheet, adequate capital and liquidity position
Added 71 branches in new markets for future growth
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