Q4 FY23 Performance and Business Highlights
Q4 & FY23: Balance Sheet
Balance Sheet (INR Cr)
Cash & Other Bank Balances
Investments
-
Loans (Net of Impairment Loss Allowance)
Loans
Securitised Assets
Property, Plant and Equipment
Intangible Assets
Right to Use Assets
Other Financial & Non-Financial Assets
Goodwill
Total Assets
CreditAccess
Grameen
ā
Q4 FY23
Q4 FY22
YOY%
Q3 FY23
QoQ%
FY23
1,436.4
454.5
1,761.4
0.5
-18.4%
1,001.2
43.5%
438.3
3.7%
1,436.4
454.5
FY22
1,761.4
0.5
18,939.8
14,765.3
28.3%
16,402.3
15.5%
18,939.8
14,765.3
103.6
0.0
0.0
103.6
0.0
32.1
31.8
0.9%
30.7
4.5%
32.1
31.8
130.5
149.7
-12.9%
134.7
-3.1%
130.5
149.7
64.7
74.8
-13.4%
67.3
-3.8%
64.7
74.8
320.8
322.7
0.3%
313.4
2.4%
320.8
322.7
375.7
375.7
375.7
375.7
21,858.1
17,482.0
25.0%
18,763.6
16.5%
21,858.1
375.7
17,482.0
Debt Securities
1,672.3
1,418.1
17.9%
1,839.2
-9.1%
1,672.3
1,418.1
Borrowings (other than debt securities)
14,463.2
11,424.9
26.6%
11,650.9
24.1%
14,463.2
11,424.9
Subordinated Liabilities
77.9
77.7
0.2%
83.4
-6.6%
77.9
77.7
Financial Liability towards Portfolio Securitized
98.8
0.0
0.0
98.8
0.0
Lease Liabilities
78.9
87.4
-9.8%
80.4
-1.9%
78.9
87.4
Other Financial & Non-financial Liabilities
360.0
306.9
17.3%
315.1
14.3%
360.0
306.9
Total Equity
5,107.0
4,166.9
22.6%
4,794.6
6.5%
5,107.0
4,166.9
Total Liabilities and Equity
21,858.1
17,482.0
25.0%
18,763.6
16.5%
21,858.1
17,482.0
Key Ratios
Q4 FY23
Q4 FY22
Q3 FY23
FY23
FY22
ROA
5.5%
3.6%
4.5%
4.2%
2.2%
D/E
3.2
3.1
2.8
3.2
3.1
ROE
24.0%
15.6%
18.4%
18.0%
9.0%
GNPA (GL: 60+ dpd, RF: 90+ dpd)
1.21%
3.61%
1.71%
1.21%
3.61%
Provisioning
1.78%
3.44%
2.04%
1.78%
3.44%
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