CREDITACCESS GRAMEEN Q2 CONCALL: ROA, ROE & NIM GUIDANCE SHARPLY UPGRADED; 20–25% AUM GROWTH TARGET MAINTAINED

• FY27 ROA GUIDANCE RAISED TO 5.2–5.8% FROM EARLIER 4–4.8% • FY27 ROE GUIDANCE RAISED TO 21–24% FROM EARLIER 16–20% • FY27 NIM GUIDANCE UPGRADED TO 14.4–14.7% FROM EARLIER 12.8–13.2% • FY27 AUM GROWTH GUIDANCE MAINTAINED AT 20–25% • FY27 COST-TO-INCOME RATIO TARGET MAINTAINED AT 29–30% • FY27 CREDIT COST GUIDANCE MAINTAINED AT 3–4%, WITH MODERATE INCREASE EXPECTED IN Q3 • BORROWING COST EXPECTED TO REMAIN AROUND 9.2–9.3% UNTIL MARCH 2027 • LENDING RATES CUT BY 50 BPS FROM Q3 FY27; FULL YIELD IMPACT EXPECTED OVER 4–6 QUARTERS • RETAIL FINANCE AUM REACHED ₹7,200 CR, CONTRIBUTING 23.3% OF TOTAL AUM • RETAIL FINANCE EXPECTED TO GROW FASTER THAN GROUP LOANS, SUPPORTING OVERALL AUM GROWTH • GROUP LOAN GROWTH EXPECTED TO RECOVER DURING H2 FY27 AS WRITE-OFF PRESSURE MODERATES • MONTHLY NEW CUSTOMER ACQUISITION TARGETED ABOVE 1 LAKH VS CURRENT 80,000 • PROMOTER GROUP IN DISCUSSIONS WITH STRATEGIC INVESTOR AT HOLDING-COMPANY LEVEL; TRANSACTION TERMS NOT FINALIZED • POTENTIAL INSURANCE COMMISSION REGULATORY CHANGES COULD REDUCE ROA BY 25–30 BPS IF IMPLEMENTED • DROUGHT-RELATED REPAYMENT STRESS IN PARTS OF MAHARASHTRA, HIGHER CREDIT COSTS & FUTURE NIM PRESSURE REMAIN KEY RISKS

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