Q4 FY23 Performance and Business Highlights

Q4 & FY23: Understanding the Credit Cost Impact Consolidated (INR Cr) Opening ECL(A) Additions (B) Consolidated Q4 FY23 FY23 344.6 533.9 - Provisions as per ECL 57.4 194.2 Management Overlay on MMFL's legacy book 13.8 13.8 Reversals (on account of write-off) (C) 68.0 394.1 Closing ECL (D = A+B-C) 347.8 347.8 Write-off (E) 102.1 587.0 Credit Cost (F = B-C+E) 105.3 401.0 Credit Cost (Provisions + Write-offs) - % of Avg. On-Book Loan Portfolio 0.6% 2.4% (non-annualised) Bad-Debt Recovery (G) 16.8 58.1 88.5 342.9 Net P&L Impact (F - G) Net P&L Impact - % of Avg. On-Book Loan Portfolio (non-annualised) www.creditaccessgrameen.in 0.5% 2.1% CreditAccess Grameen 17 Ⓡ

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