Q4 FY23 Performance and Business Highlights
Q4 FY23: Stable Liquidity/ ALM Position/ Credit Ratings
CreditAccess Ⓡ
Grameen
Static Liquidity / ALM Position
For the Month
Particulars (INR Cr)
Apr-23
May-23
Jun-23
Opening Cash & Equivalents (A)
1,895.0
1,912.8
2,156.9
For the Financial Year
FY24
FY25
2,282.6
Debt Diversification
Total Drawdowns
Q4 FY23
5,840
3,520.1
Domestic *
97%
Loan recovery [Principal] (B)
878.0
1,022.5
Total Inflow (C=A+B)
2,772.9
2,935.3
982.9
3,139.7
10,997.6
13,280.2
6,899.3
10,419.5
Foreign
3%
Undrawn Sanction
4,675
Borrowing Repayment [Principal]
Domestic
75%
Term loans and Others (D)
531.2
531.7
591.0
NCDs (E)
124.2
53.5
50.0
Direct Assignment (F)
204.8
193.2
216.1
7,193.1
603.5
1,963.4
4,830.7
553.6
Foreign
25%
Total Outflow G=(D+E+F)
860.2
778.4
857.1
Closing Cash & equivalents (H= C-G)
1,912.8
2,156.9
2,282.6
9,760.0
3,520.1
420.3
5,804.5
4,615.0
Sanctions in Pipeline
3,900
Domestic
87%
Foreign
13%
Static Liquidity (B-G)
17.8
244.1
125.7
* Includes Direct Assignment of INR 937 Cr
1,237.5
1,094.8
Positive ALM Mismatch (in Months)
Rating Instrument
Rating Agency
Rating/Grading
Ind-Ra
AA- (Stable)
Bank Facilities
24.1
24.2
22.5
22.2
22.6
16.9
17.7
18.0
19.0
15.7
ICRA
AA- (Stable)
CRISIL
A+ (Positive)
Ind-Ra
AA- (Stable)
Non-Convertible Debentures
ICRA
AA- (Stable)
CRISIL
A+ (Positive)
Commercial Paper
ICRA
Q4 FY22
Q1 FY23
Average Maturity of Assets
Q2 FY23
Q3 FY23
Average Maturity of Liabilities
Q4 FY23
Comprehensive Microfinance Grading *
Client Protection Certification
CRISIL
A1+
M1C1
M-CRIL
Gold Level
Institutional Grading/Code of Conduct Assessment (COCA)
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