Q4 FY23 Performance and Business Highlights

Past Five Years Performance Track Record (2/2) Note: Refer Annexure for definition of key ratios CreditAccess Ⓡ Grameen Margin Analysis (%) Operating Efficiency (%) Asset Quality (%) 5.01% 20.0% 19.4% 18.8% 18.3% 18.9% 5.0% 4.9% 4.8% 4.9% 4.7% 3.44% 2.78% 1.78% 12.7% 12.2% 10.7% 10.9% 11.6% 1.14% 4.43% 33.9% 36.7% 38.1% 39.0% 35.6% 3.61% 1.49% 1.21% 10.4% 10.0% 0.59% 9.5% 9.3% 9.4% FY19 FY20 FY21 FY22 FY23 FY19 FY20 FY21 FY22 FY23 FY19 FY20 FY21 FY22 FY23 Portfolio Yield Cost of Borrowings NIM I Cost/Income Ratio Opex/GLP Ratio GNPA - Provisioning (ECL) PAT (INR Cr) Total Equity (INR Cr) & Debt/Equity Ratio Return Ratios & Capital Adequacy (%) 2.9 2.9 3.1 3.2 35.3% 826 2.0 26.8% 23.6% 5,107 22.8% 23.6% 3,796 4,167 2,365 2,669 322 328 357 131 9.0% 18.0% 16.3% 12.9% 4.0% 5.0% 3.6% 4.2% 0.9% 2.2% FY19 FY20 FY21 FY22 FY23 FY19 FY20 FY21 FY22 FY23 FY19 FY20 FY21 FY22 FY23 Total Equity Debt/Equity Ratio CRAR ROE ROA Note: FY23 figures have been restated post completion of CA Grameen - MMFL legal merger www.creditaccessgrameen.in 36

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