Q4 FY23 Performance and Business Highlights

2 Q4 FY23: Superior Vintage Profile with High Borrower Retention CreditAccess Ⓡ Supporting the Retained / Higher Vintage Borrowers, whilst consciously Adding New Borrowers with Deep Rural Focus Borrower Vintage Analysis Grameen CA Grameen MMFL 3 Q4 FY23 48% 34% 18% Q4 FY23 45% 43% 12% Focus on 3-Year Loans for High Vintage Borrowers Q3 FY23 49% 31% 20% Q3 FY23 43% 44% 12% Q2 FY23 46% 33% 21% Q2 FY23 47% 41% 12% Loan Tenure Q1 FY23 45% 34% 20% Q1 FY23 51% 36% 13% 1 Year Q4 FY22 47% 34% 19% Q4 FY22 63% 29% 8% 2 Years Avg. Weekly Installment per INR 10,000 loan INR 217 219 INR 118 120 ■ <3 years 3-6 Years ■> 6 Years < 3 years 3-6 Years ■> 6 Years 3 years INR 86 - 88 Borrower Leverage Analysis GLP / Borrower Vintage-wise < 3 Years CA Grameen MMFL Q4 FY22 38,038 Q4 FY23 40,463 6.4% YOY% GLP / Borrower Vintage-wise Q4 FY22 <3 Years 3-6 Years > 6 Years Total 48,896 55,925 14.4% 3-6 Years 65,555 71,661 9.3% > 6 Years 47,002 51,457 9.5% Total Q4 FY23 30,071 39,339 30.8% 31,768 39,744 25.1% 32,086 40,623 26.6% 30,838 39,667 28.6% YOY% Within Acceptable 10-15% Annual Increase, Despite the Impact of Higher Write-offs Ticket size increase due to gradual alignment with CA Grameen model www.creditaccessgrameen.in The average GLP per borrower in the top 3 states is INR 54,000 and in other states is INR 39,400 ~ Graduated customers seeking > INR 60,000 loan are offered 3-year tenure loans, leading to lower instalment size and improved serviceability 29% of consolidated group loans GLP is constituted of 3-year loans 7

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