Slide 1: Exchange filing cover letter: Corporate Presentation FY 2025
February 13, 2026 Listing Department Listing Department National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, 5th floor P J Towers Plot No. C/1, G Block Dalal Street Bandra-Kurla Complex Mumbai 400 001 Bandra (East) Mumbai 400 051 Dear Sirs, Sub.: Corporate Presentation FY 2025 We are en
Slide 2: Analyst presentation
February 2026 Analyst presentation 1 © © 2026 Crisil Ltd. 2026 Crisil All rights Ltd. All reserved. rights reserved.
Slide 3: Disclaimer / Safe harbour
Disclaimer / Safe harbour This presentation has been prepared solely as a concise update of Crisil Limited’s (“Crisil” or “Company”) quarterly and/or annual results. By reading the presentation slides, you agree to be bound by the following limitations: (a) Crisil cannot give assurance to the correc
Slide 4: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 3
Slide 5: Crisil overview
Crisil overview We are a global, insights-driven analytics organisation whose extraordinary rigour and domain expertise give clients the confidence to make mission-critical decisions © 2026 Crisil Ltd. All rights reserved. Offers independent Offers insights, consulting, Offers strategic Offers solut
Slide 6: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 5
Slide 7: Key trends in macro and business environment
Key trends in macro and business environment India Medium-term growth trend expected to remain healthy driven 7.4% GDP growth in fiscal 2025-26 despite heightened global largely by government investments in infrastructure, efficiency uncertainties programmes and expected deregulation Strictly confid
Slide 8: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 7
Slide 9: Resilient performance amidst macro-economic uncertainty
Resilient performance amidst macro-economic uncertainty • Crisil Ratings maintained its leadership in corporate bond ratings • Crisil Global Analytics Center (GAC) saw growth in delegation of surveillance support to S&P Global Ratings and 11.9% expanded analytical and operational support to S&P in n
Slide 10: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 9
Slide 11: Financial performance for the year 2025
Financial performance for the year 2025 Income from operations Profit before tax (PBT) Profit after tax (PAT) ₹ crore ₹ crore ₹ crore +11.9% +12.4% +12.0% 3,649 1,041 766 3,260 926 684 © 2026 Crisil Ltd. All rights reserved. FY24 FY25 FY24 FY25 FY24 FY25 +18.5% +10.9% +7.5% 1,082 327 225 242 913 294
Slide 12: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials Segment performance – Ratings 5. Services 6. Thought leadership 7. Corporate social responsibility 11
Slide 13: Muted growth in corporate bond issuances; bank credit growth moderate
Muted growth in corporate bond issuances; bank credit growth remains moderate for most of the year Bond issuance quantum (Rs. billion) Bank Credit growth (%) 25.0% 0% 11,195 11,156 20.0% 14.5% © 2026 Crisil Ltd. All rights reserved. 14.4% 2,796 -16% 14.40% 15.0% 2,351 10.0% 5.0% 2024 2025 Q4 2024 Q4
Slide 14: Ratings Services performance highlights
Ratings Services performance highlights Financials Particulars Particulars FY 2024 FY 2025 Growth Q4 FY24 Q4 FY25 Growth (Rs crore) (Rs crore) Income from Income from 911.3 1078.7 18.4% 254.4 290.9 14.4% operations operations © 2026 Crisil Ltd. All rights reserved. Segment profit 400.1 478.2 19.5% S
Slide 15: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials Segment performance – Research, 5. Analytics and Solutions 6. Thought leadership 7. Corporate social responsibility 14
Slide 16: Domestic asset flows, low NPAs augur well for Indian financials
Domestic asset flows, low NPAs augur well for Indian financials Indian banking sector gross NPAs (%) India mutual funds AUM* 8.4% 8,267 ₹ ‘000 crore 7,827 7.5% 7,315 6,869 6,831 5.9% © 2026 Crisil Ltd. All rights reserved. 4,993 4,085 3.9% 3,864 2.8% 2.3% 2.2-2.3% 2021 2022 2023 2024 Q1 2025 Q2 2025
Slide 17: Profitability focus of global banks leading to measured stance on discretionary spends
Profitability focus of global banks leading to measured stance on discretionary spends CIB revenue pools(1) ($ Billion) CIB return on equity(2) (%) 700 7% c. +100 bps 600 © 2026 Crisil Ltd. All rights reserved. 15% 500 400 10% 300 200 5% 100 0 0% FY20 FY21 FY22 FY23 FY24 FY25F FY19 FY20 FY21 FY22 FY
Slide 18: Research, Analytics & Solutions performance highlights
Research, Analytics & Solutions performance highlights Financials Particulars Particulars FY 2024 FY 2025 Growth Q4 FY24 Q4 FY25 Growth (Rs crore) (Rs crore) Income from Income from 2,350.6 2,572.4 9.4% 659.1 791.2 20.1% operations operations © 2026 Crisil Ltd. All rights reserved. Segment profit 50
Slide 19: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 18
Slide 20: Thought leadership
Thought leadership J-Money Select blogs published Appearances on news channels CNBC TV18 CNBC TV18 © 2026 Crisil Ltd. All rights reserved. Flagship Events External Speakership Gurpreet Chhatwal, Crisil COO, shared valuable insights at The COO Collective organised by Forbes India, on integrating AI i
Slide 21: Agenda
Agenda 1. Crisil overview 2. Business environment © 2026 Crisil Ltd. All rights reserved. 3. Performance update 4. Financials 5. Segment performance 6. Thought leadership 7. Corporate social responsibility 20
Slide 22: Building inclusive communities and a resilient environment – one integrated CSR ecosystem
Building inclusive communities and a resilient environment – one integrated CSR ecosystem … Crisil Foundation was awarded the Excellence in Community Impact award by SHRM, a leading platform for HR excellence in November 2025 Financial awareness and inclusion to the ‘last-mile’ communities Enhancing
Slide 23: About Crisil
About Crisil Crisil is a global, insights-driven analytics company. Our extraordinary domain expertise and analytical rigour help clients make mission-critical decisions with confidence. Large and highly respected firms partner with us for the most reliable opinions on risk in India, and for uncover