Q4 FY23 Performance and Business Highlights
Q4 FY23: Continued Improvement in Asset Quality
CA Grameen
Collection Efficiency (excl. arrears)
98% 98%
MMFL
Collection Efficiency (excl. arrears)
98% 99%
95% 96%
CreditAccess
Ⓡ
Grameen
Consolidated
Collection Efficiency (excl. arrears)
97% 97%
98% 98%
98% 98%
Q3 FY23
■CE% (excl. arrears)
Q4 FY23
■CE% (incl. arrears)
Q3 FY23
■CE% (excl. arrears)
Q4 FY23
■CE% (incl. arrears)
Q3 FY23
CE% (excl. arrears)
Q4 FY23
■CE% (incl. arrears)
PAR Trend
PAR Trend
PAR Trend
4.3%
1.8%
2.8%
2.2%
3.2%
1.5%
1.2%
1.6%
2.2%
1.8%
1.1%
2.6%
1.2%
1.4%
1.9%
1.6%
0.9%
1.1%
2.1%
1.6%
1.2%
0.8%
1.3%
1.0%
Dec-22
Mar-23
Dec-22
Mar-23
Dec-22
Mar-23
PAR O
PAR 30
PAR 60
PAR 90
PAR O
PAR 30
PAR 60
PAR 90
PAR O
PAR 30
PAR 60 - PAR 90
Q4 FY23 (INR Cr)
Consolidated
Asset Classification (dpd)
EAD
Stage 1
0 15 (GL), 0-30 (RF)
19,286.8
EAD%
98.6%
Stage 2
16
60 (GL), 31 - 90 (RF)
43.7
0.2%
Stage 3
60+ (GL), 90+ (RF)
236.8
1.2%
Total
19,567.3
100.0%
ECL%
0.9%
48.1%
65.7%
1.8%
Management overlay of INR 13.8 Cr
(included in Stage 1 ECL) set aside against the
GNPA (Gross Stage 3)
1.21%
legacy MMFL book of INR 131 Cr, which now
only accounts for only 0.6% of overall GLP
0.42%
NNPA (Net Stage 3)
EAD: Exposure at default = on-balance sheet loan principal + interest
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