CareEdge Debt Quality Index (CDQI)

The CareEdge Debt Quality Index (CDQI) tracks the trend of debt quality over time. The index shows a moderate level in January, gradually increases through March, peaks around May, then slightly declines in June and July, and stabilizes at a high level from August to September, indicating improving debt quality over the period. The trend from FY12 to H1 FY26 shows stability around 1.0 between FY12 and FY22, a sharp rise to a peak around H1 FY23, a significant decline through H1 FY24, followed by moderate fluctuations with gradual recovery, ending at a higher level by H1 FY26 compared to the long-term average before FY22.