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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
CreditAccess Grameen
CreditAccess Grameen (CREDITACC) investor relations material
CreditAccess Grameen Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary20 Jan, 2026
Executive summary
Q3 FY26 performance showed strong normalization in asset quality, with collection efficiency at 99.71% in December 2025 and a sharp decline in monthly PAR 15 accretion to 18 bps from 47 bps in September 2025.
Gross Loan Portfolio (GLP) reached ₹26,566 Cr, up 7.1% YoY, with disbursements of ₹5,767 Cr, up 13.4% YoY, and 2.1 lakh new borrowers added in Q3.
PAT for Q3 FY26 was ₹252 Cr, a 153.3% YoY increase, with asset quality normalizing (GNPA 4.04%, NNPA 1.36%, PAR 90+ 2.94%).
Retail finance portfolio increased to 14.1% of AUM, up from 11.1% in Q2, reflecting a shift of quality JLG customers to individual business loans.
Branch network expanded by 15 to 2,222 branches; employee base stable at 21,701.
Financial highlights
Net interest income rose 13.4% YoY to ₹977 Cr; portfolio yield improved to 21%.
Average cost of borrowing declined 26 bps QoQ to 9.4%; marginal cost of new borrowing at 8.9%.
PPOP at ₹680 Cr (adjusted ₹699 Cr); PAT doubled QoQ to ₹252 Cr (adjusted ₹266 Cr).
ROA and ROE at 3.5% and 13.8% respectively; adjusted for labor code impact, ROA at 3.7% and ROE at 14.6%.
Cost-to-income ratio at 34.1% (adjusted 32.3%); opex/GLP ratio at 5.4% (5.1% adjusted).
Outlook and guidance
FY27 credit cost guidance at 4-4.5%, based on monthly PAR 15 accretion of 30-35 bps; potential for lower credit cost if PAR accretion remains at 20-25 bps.
AUM growth target of 20%+ for FY27, with retail finance expected to contribute a larger share.
NIM expected to remain around 14-14.5% in the near term, with ROA guidance of 4-4.5%.
Business momentum is expected to remain strong, underpinned by normalized asset quality, improved operating profits, and a robust balance sheet.
Focus remains on rural expansion, high borrower retention, and further deleveraging.
How does ESOP vesting schedule support retention
Status of security creation for new borrowings
Assess materiality of unreviewed subsidiary financials
PAR 15+ accretion rate for lower FY27 credit cost
Retail finance growth: Vishesh loan impact
Mitigating bank funding challenges
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Next CreditAccess Grameen earnings date
Q4 25/267 May, 2026
CreditAccess Grameen
Next CreditAccess Grameen earnings date
Q4 25/267 May, 2026
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