CREDITACCESS GRAMEEN LIMITED
7,764words
12turns
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Key numbers — 40 extracted
rs,
0.9%
1.3%
0.4%
2.7%
8.5%
5.3%
2.8%
0.6%
21.9%
15.7%
93.2%
Guidance — 4 items
Understanding PAR Impact
opening
“The data is as of 15th June 2025 www.creditaccessgrameen.in 11 Sustained PAR Reduction Across All Operating Geographies PAR Trend 6.8% 6.9% Top 5 States % GLP PAR 0+ PAR 90+ PAR 0+ PAR 90+ Mar-25 Jun-25 4.9% 5.1% 5.5% 3.3% 3.8% 4.3% 5.9% Karnataka 4.9% 4.1% Maharashtra Tamil Nadu 2.6% 3.3% 3.3% Madhya Pradesh 2.5% 1.8% 1.4% 1.1% 2.4% 1.7% Bihar Others Total Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 PAR 0+ PAR 30+ PAR 60+ PAR 90+ Total (Excl.”
Understanding PAR Impact
opening
“On-Book Loan Portfolio (non-annualised) www.creditaccessgrameen.in 13 FY26 Guidance Factoring The Potential Opportunities & Challenges Key Indicators GLP Growth % NIM % Cost-to-Income Ratio % FY26 Guidance 14.0% - 18.0% 12.6% - 12.8% 32.0% - 34.0% Credit Cost (Provisions + Write-offs): % of Avg.”
Understanding PAR Impact
opening
“In the event of any favourable / adverse industry developments, the Company may reassess the guidance.”
Understanding PAR Impact
opening
“www.creditaccessgrameen.in 14 Discussion Summary Key Business Highlights Asset Quality & Business Overview Financial Results Overview Liability Strategy Investment Rationale www.creditaccessgrameen.in 15 Q1 FY26: Key Performance Highlights GLP INR 26,055 Cr (-0.9% YoY) Disbursements INR 5,458 Cr (21.9% YoY) NIM 12.8% Wgtd.”
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Opening remarks
Key Highlights
Jun-25 / Mar-25 / Aug-24 Lender Overlap Unique CA Grameen + 1 CA Grameen + 2 0-2 years 2-4 years 4-6 years >6 years Total % Total Unsecured Indebtedness (INR) 0-2 Years 2-4 years 4-6 Years >6 years Total % 9.5% 8.5% 5.2% 13.2% 36.4% <=50,000 5.7% 1.5% 0.7% 1.5% 9.3% 7.9% 8.2% 5.0% 11.4% 32.5% 50,000 to <= 1,00,000 10.3% 7.3% 3.5% 6.7% 27.8% 5.4% 5.7% 2.9% 5.9% 19.9% 1,00,000 to <=1,50,000 6.5% 10.1% 5.6% 11.7% 33.8%
Unique Borrowers
CA Grameen + 3 2.1% 2.1% 1.0% 2.1% CA Grameen + >=4 1.2% 1.0% 0.5% 1.1% 7.3% 3.8% 1,50,000 to <=2,00,000 2.4% 4.6% 3.2% 9.3% 19.5% GLP %: 36.4% / 34.1% / 26.6% >2,00,000 1.3% 2.1% 1.5% 4.6% 9.5% Borrowers %: 33.0% / 31.1% / 26.3% Total % 26.2% 25.6% 14.6% 33.7% 100.0% Total 26.2% 25.6% 14.6% 33.7% 100.0% Total Indebtedness = MFI + Unsecured Retail Finance Borrowers % - Jun-25 Borrower Vintage with CA Grameen Borrowers % - Jun-25 Borrower Vintage with CA Grameen Lender Overlap 0-2 years 2-4 years 4-6 years >6 years Total % Total Unsecured Indebtedness (INR) 0-2 years 2-4 years 4-6 years >6 years Total % Unique 12.9% 7.2% 3.8% 9.1% 33.0% <=50,000 10.9% 3.7% 1.5% 3.3% 19.5% CA Grameen + 1 10.8% 7.3% 3.8% 7.9% 29.8% 50,000 to <= 1,00,000 13.8% 7.8% 3.4% 6.2% 31.1% CA Grameen + 2 8.0% 5.9% 2.5% 4.6% 20.9% 1,00,000 to <=1,50,000 8.4% 8.0% 3.8% 7.3% 27.5% CA Grameen + 3 3.9% 2.9% 1.1% 1.9% CA Grameen + 4 >= 2.7% 2.0% 0.6% 1.2% 9.8% 6.5% 1,50,000 to <=2,00,000 3.1% 3.7% 2.0% 4.8% 13.6% >2,00,0
Understanding PAR Impact
Borrowers with 4 lenders: PAR 15+: 14.3% / 12.6% / 6.1% Breakup of PAR 15+ of 6.4%: • Unique Borrowers: 1.1% • • • • Borrowers with 2 lenders: 1.6% Borrowers with 3 lenders: 1.5% Borrowers with > 3 lenders: 2.2% Borrowers with > INR 2 Lakh unsecured indebtedness: 1.1% Borrowers with > 4 lenders: PAR 15+: 31.1% / 27.8% / 12.2% Borrowers with > 3 lenders account for ~35% of overall PAR 15+ Borrowers with > INR 2 Lakh unsecured indebtedness: PAR 15+: 11.3% / 11.4% / 5.7% Source: CRIF Highmark. The data is as of 15th June 2025 www.creditaccessgrameen.in 11 Sustained PAR Reduction Across All Operating Geographies PAR Trend 6.8% 6.9% Top 5 States % GLP PAR 0+ PAR 90+ PAR 0+ PAR 90+ Mar-25 Jun-25 4.9% 5.1% 5.5% 3.3% 3.8% 4.3% 5.9% Karnataka 4.9% 4.1% Maharashtra Tamil Nadu 2.6% 3.3% 3.3% Madhya Pradesh 2.5% 1.8% 1.4% 1.1% 2.4% 1.7% Bihar Others Total Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 PAR 0+ PAR 30+ PAR 60+ PAR 90+ Total (Excl. Karnataka) 68.9% 31.1% 21.4% 18.6% 8.2% 4.8% 15.9% 100% 8.7%
Provisioning
4.62% Write-off INR 693 Cr CRAR Total 25.5% CRAR Tier 1 24.6% Branches 2,114 (+7.0% YoY) 54 New Branches Opened Total Equity INR 7,022 Cr D/E Ratio 2.9 GNPA*: 4.70% NNPA*: 1.78% PAR 90+: 3.29% Employees 21,333 (+8.5% YoY) Active Borrowers 45.62 Lakh (-8.5% YoY)1 *GNPA & NNPA recognition policy (GL: 60+ dpd, RF: 90+ dpd) 1) 7.76 lakh new borrowers were added while 4.65 lakh borrowers were written-off during the trailing 12 months www.creditaccessgrameen.in 16 Q1 FY26: P&L Statement Profit & Loss Statement (INR Cr) Interest Income - Interest on Loans 1 - Interest on Deposits with Banks and FIs Income from Direct Assignment Finance Cost on Borrowings Net Interest Income Non-interest Income & Other Income 2 Total Net Income Employee Expenses Other Expenses Depreciation, Amortisation & Impairment Pre-Provision Operating Profit Impairment of Financial Instruments Profit Before Tax Total Tax Expense Profit After Tax Key Ratios Portfolio Yield Cost of Borrowings Interest Spread NIM Cost/Income
JLG Benefits
✓ Strong group bonding ✓ Mutual support – both financial & emotional ✓ Guidance, grievance resolution, building awareness ✓ Formulation of Board approved policies ✓ Process modifications ✓ Underwriting changes ✓ Technology changes in Core Banking System ✓ High quality customer - good behaviour & strong credit discipline ✓ Training to all the employees JLG Mechanism allows Multiple Layers of Checks before and after the Disbursement of a Loan Group Formation Data Validation & CB Check Group Confirmation Kendra Meetings Loan Applications Loan Evaluation Loan Sanction & Disbursal Loan Repayment Loan Utilisation • 3-days CGT by • Weekly / Fortnightly meetings • New LA is captured in Tab • Self-chosen group within 500m radius • Mutual reliance • Group: 5-10 members • Kendra: 2-6 groups • Digital process to capture KYC & household income details in Tab • Data validation at RPCs • KYC verification by RPCs • Complete CB check for all earning family members • Eligibility check confirmation throu
Diverse product suite
• Income generation, education, festival, medical, emergency, water, sanitation, home improvement, livelihood improvement, business expansion