Q4 FY23 Performance and Business Highlights

Consistent Delivery Of Best-In-Class Cross Cycle Return Metrics Cross-Cycle ROA (%) Strong Cross Cycle Performance Despite Several Crisis 2.3% 5.1% 5.0% FY17-FY18 Demonetisation, UP farm loan waiver FY19 Floods, NBFC crisis 4.2% 3.6% Avg: 3.3% 0.9% 2.2% 12.3% 22.2% Cross-Cycle ROE (%) FY21 Covid Wave 1 CreditAccess Ⓡ Grameen FY22 Covid Wave 2 18.0% 16.3% Avg: 13.5% 12.9% 4.0% 9.0% FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY17 FY18 FY19 FY20 FY21 FY22 FY23 www.creditaccessgrameen.in 11

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