CREDITACCESS GRAMEEN LIMITED

rs,

timates, targets, opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein and, accordingly, none of the Company, its advisors and

14.0%

90+ % NNPA (GL: 60+ dpd, RF: 90+ dpd) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY

5.9%

PA (GL: 60+ dpd, RF: 90+ dpd) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 -

28.4%

L: 60+ dpd, RF: 90+ dpd) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +

11.4%

RF: 90+ dpd) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, D

0.4%

+ dpd) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, Disbur

44.1%

) % ECL Provisioning % CRAR % Q4 FY26 29,590 44.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, Disbursement

7.6%

.18 8,313 YoY% 14.0% -5.9% 28.4% QoQ% 11.4% 0.4% 44.1% ✓ FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, Disbursements: INR 24,859 Cr (+24.1% YoY) - Retail Financ

INR 24,859

FY26 growth guidance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, Disbursements: INR 24,859 Cr (+24.1% YoY) - Retail Finance (RF) share up QoQ to 18.1% from 14.1% 96.3% / 96.7% 3.17% 2.28%

24.1%

dance achieved, despite 7.6% write-offs in FY26 - AUM: +14.0% YoY, Disbursements: INR 24,859 Cr (+24.1% YoY) - Retail Finance (RF) share up QoQ to 18.1% from 14.1% 96.3% / 96.7% 3.17% 2.28% 1.12% 3.81

18.1%

AUM: +14.0% YoY, Disbursements: INR 24,859 Cr (+24.1% YoY) - Retail Finance (RF) share up QoQ to 18.1% from 14.1% 96.3% / 96.7% 3.17% 2.28% 1.12% 3.81% 24.4% (Tier 1: 23.6%) ✓ New borrowers added: 3.3

14.1%

% YoY, Disbursements: INR 24,859 Cr (+24.1% YoY) - Retail Finance (RF) share up QoQ to 18.1% from 14.1% 96.3% / 96.7% 3.17% 2.28% 1.12% 3.81% 24.4% (Tier 1: 23.6%) ✓ New borrowers added: 3.3 Lakh, 35%

“FY25: INR 212.0 Cr) 2) Bad debt recovery was INR 11.8 Cr in Q4 FY26 (vs.”

“Q4 FY25: INR 8.4 Cr) and INR 48.9 Cr in FY26 (vs.”

“1.1% 15.4% 12.7% 14.8% Q3 FY26 1,112.8 1,284.6 24,819.8 44.3 86.2 87.6 782.5 375.7 28,593.5 905.2 19,776.2 - 109.0 363.6 7,439.5 28,593.5 Q3 FY26 3.5% / 3.7%1 2.8 13.8% / 14.6%1 4.04% 4.26% www.creditaccessgrameen.in QoQ% 19.2% -16.3% 12.5% -1.2% -6.4% -0.2% 30.0% 0.0% 11.7% 0.8% 14.9% n.m.”

Provisioning

2

Per Branch

2

Implementation of New ECL Model

1

Primary Customers

1

Secondary Customers

1

For Further Queries

1

Provisioning

3.81% Write-off INR 334 Cr CRAR Total 24.4% CRAR Tier 1 23.6% Branches 2,236 (+8.4% YoY) 18 New Branches Opened * GNPA & NNPA recognition policy (GL: 60+ dpd, RF: 90+ dpd) Total Equity INR 7,842 Cr D/E Ratio 3.0 GNPA*: 3.17% NNPA*: 1.12% PAR 90+: 2.28% Employees 21,941 (+4.6% YoY) Active Borrowers 44.18 Lakh (-5.9% YoY) www.creditaccessgrameen.in 5 Key Performance Highlights: FY26 PAT Up 46.3% YoY, ROA: 2.7%, ROE: 10.7% AUM INR 29,590 Cr (14.0% YoY) Disbursements INR 24,859 Cr (24.1% YoY) NIM 13.4% C/I Ratio 32.5% Wgtd. Avg. COB 9.5% Opex/AUM Ratio 5.1% PPOP INR 2,808 Cr (6.5% YoY) PAT INR 778 Cr (46.3% YoY) Collection Efficiency (Excl. Arrears) 95.1% ROA 2.7% ROE 10.7%

Provisioning

3.81% Write-off INR 1,968 Cr CRAR Total 24.4% CRAR Tier 1 23.6% Branches 2,236 (+8.4% YoY) 183 New Branches Opened Total Equity INR 7,842 Cr D/E Ratio 3.0 GNPA*: 3.17% NNPA*: 1.12% PAR 90+: 2.28% Employees 21,941 (+4.6% YoY) Active Borrowers 44.18 Lakh (-5.9% YoY) * GNPA & NNPA recognition policy (GL: 60+ dpd, RF: 90+ dpd) www.creditaccessgrameen.in 6 Lower PAR Accretion Driving Asset Quality Normalisation PAR 1-90 At 70 Bps, Back To Pre-crisis Levels Overall Monthly PAR 15+ Accretion/AUM Rate Continuous Reduction In Credit Cost Due to Lower New PAR Accretion Monthly PAR 15+ accretion continuously trending lower… Credit Cost (INR Cr) Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 FY26 0.95% 0.84% 0.47% 0.54% 0.37% 0.46% 0.18% 0.19% ECL provisions (A= i+ ii) Due to New PAR (i) 0.09% 0.07% Due to change in ECL % (ii) 350.5 358.8 -8.3 314.0 268.7 45.3 Due to Write-offs (B) 221.4 211.7 258.9 222.0 36.9 83.7 217.5 1,140.8 123.0 972.5 94.5 168.3 117.9 634.6 Dec-24 Mar-25 Jun-25 Sep-25 Oct-25 Nov-25 Dec-25

Implementation of New ECL Model

The new ECL framework introduces the following enhancements: • • Longer historical period: extended from 36 months to 120 months Forward-looking estimates through scenario modelling: • • • • • Scenario 1: Stable period Scenario 2: Major external events (e.g., Demonetisation, Covid) Scenario 3: Enhanced stress events (e.g., regulatory changes, weather patterns, economic outlook) PD and LGD are computed separately under each scenario Probability-weighted ECL is computed basis management & board judgement • Macroeconomic factors for 12-month outlook: • • Regression-based macroeconomic model to determine the drivers of PD The predicted PD governs the permissible range of the enhanced stress weightage for the next 12-month outlook Considering the on-going West-Asia crisis, the new ECL model incorporates a higher weightage for major external events scenario, resulting into an additional provisioning of INR 39 Cr as against the earlier ECL model EAD: Exposure at default = on-balance sheet loa

Secondary Customers

Household Members Acquisition Engines Acquisition Engine Group Group Mechanism Individual Eco-system adjacencies Digital Grameen Mahi Build The Pipeline Vast Distribution Reach Dedicated Foot-on-Street 16 states & 1 UT, 451 districts, 2,236 branches 14,470 loan officers covering 4.3 lakh villages weekly Focus Markets Localised Intelligence Strong Referrals Deep knowledge in informal segments Daily customer & market visits driving organic leads Lifecycle Engine Rural / Semi-Urban Contiguous Urban Customer Franchise Identify early & Nurture Graduate & Cross-sell Deepen & Retain Build The Relationship Local Mindshare & Recall Diverse Product Variants Trusted brand presence in every community Suiting varied life-cycle financial needs www.creditaccessgrameen.in 19 Deepening The Customer Relationship Continuous Cycle Of Understanding, Engaging, And Lifetime Value Creation Owning The Customer Increasing Customer Lifetime Value Understanding Customer’s Behaviour & Building Intelligence Lifecyc

Per Branch

GL: 6-7 LOs RF: 4-5 LOs + 1 COs LO: Loan Officer: CO: Credit Officer, BM: Branch Manager, BCM: Branch Credit Manager, AM: Area Manager, ACM: Area Credit Manager, RM: Regional Manager, RCM: Regional Credit Manager, DM: Divisional Manager, DCM: Divisional Credit Manager, ZM: Zonal Manager, ZCM: Zonal Credit Manager www.creditaccessgrameen.in 32 Proven Leadership With Demonstrated Track Record & Managing Director (6 years) (16 years) (6 years) (5 years) (5 years) (26 years) (23 years) (20 years) (6 years) (3 years) (21 years) (3 years) (23 years) (25 years) (2 years) & Compliance Officer (3 years) • Highly stable senior management enabling cultural and process consistency for managing business expansion in the coming years • Consistent emphasis on training and employee retention strategies • Robust pipeline of internal job opportunities (Top 10-15% at the hierarchal level being elevated to higher responsibilities) • 40-50% of senior/ management team goals are aligned with strategic projec

For Further Queries

Nilesh Dalvi Chief Financial Officer Contact No – 9819289131 Email Id – nilesh.dalvi@cagrameen.in Sahib Sharma DGM – Investor Relations Contact No – 7066559383 Email Id – sahib.sharma@cagrameen.in www.creditaccessgrameen.in