Q4 FY23 Performance and Business Highlights
Calibrated Expansion Through Contiguous District-Based Approach
CreditAccess
Grameen
Systematic geography selection based on availability of
infrastructure, competition, historical performance trend, social/
economic/ political/ climate risk, growth potential
Ensures consistent replication of processes/ controls
Familiarity with demographics/ culture of nearby districts enables
effective customer evaluation and better servicing
Achieving deeper penetration within a particular district within three
years of commencement of operations
Gradual expansion into the next (typically adjoining) district
Lower exposure to a particular district (99% of districts <=2% of GLP,
No single district has > 4% of total GLP)
www.creditaccessgrameen.in
CA Grameen's contiguous
district-based expansion
Our presence
- 2015
Districts
New
Districts added
64
2016
74
10
• 2017
96
22
2018
132
36
-2019
157
25
•2020
248
91
⚫2021
265
17
2022
319
54
⚫ 2023
352
33
30
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