Q4 FY23 Performance and Business Highlights

Q4 FY23: Well-Diversified Liability Mix Liability Mix - Institution / Instrument Wise (%) Banks -TL 60.4% DA & Securitisation 9.3% Banks - NCD 1.2% NBFCs - TL 3.4% Fls - TL 8.5% MLD 0.9% Public NCD Sub Debt 0.4% Foreign - NCD 4.3% 2.8% Foreign - ECB 8.9% Note: O/S Direct Assignment (Sold Portion) - INR 1,551.7 Cr Short Term 9.4% CreditAccess Ⓡ Grameen Focus on dynamic liability management • Focus on long-term funding with strong diversification between domestic & foreign sources Target to meet funding requirements through foreign/long-term sources over the medium term, with diversified products Diverse lenders' base: • 45 Commercial Banks, 3 Financial Institutions, 8 Foreign Institutional Investors, 6 NBFCs Continued focus to minimize the cost of borrowing Cost of Borrowing (%) Liability Mix - Tenure Wise (%) 10.2% 8.9% 9.1% 8.4% 8.7% 9.2% 8.9% 9.6% 9.5% 9.4% Medium Term 23.8% Source % Mix Short Term Domestic 9.4% <= 1 year (incl. DA) Medium Term Long Term 66.8% Share of Foreign Borrowings at 14% > 1 year, < 2 years Long Term > 2 years Domestic 23.2% Foreign 0.6% Domestic 53.6% Foreign 13.2% Q4 FY22 Q1 FY23 Weighted Avg. COB Q2 FY23 Q3 FY23 Q4 FY23 Marginal COB www.creditaccessgrameen.in 25

View entire presentation