Fusion Finance Ltd.

Financial

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Operational Metrics
Banking Sector
Capital to Risks Assets Ratio (CRAR)	22.42 %	37.1 %	25.4 %
Gross NPA	7.92 %	n/a	n/a
Net Interest Margin	8.6 %	10.7 %	12.7 %
Cost To Income Ratio	69.6 %	85.1 %	31.8 %
Net NPA	0.3 %	n/a	n/a
Building Materials
Cost of Borrowing	10.5 %	12.1 %	9.8 %
NBFC
AUM - NBFC	8980.0 Crs	6819.0 Crs	25948.0 Crs
Tier I Capital	26.59 %	n/a	24.5 %
Unclassified
Yield On Advances	19.1 %	20.7 %	n/a
Average Ticket Size - NBFC	50.3 Ths	n/a	n/a
Financials
5 yr Average ROE	9.08 %	7.01 %	12.5 %
5yr average Equity Multiplier	4.32	2.84	4.45
5yr Average Asset Turnover Ratio	0.17	0.19	0.15
5yr Avg Net Profit Margin	12.14 %	12.11 %	17.84 %
5yr Avg Net Profit Margin	12.14 %	12.11 %	17.84 %
5yr CAGR Net Profit	48.65 %	7.33 %	34.09 %
5yr CAGR Sales	27.0 %	8.58 %	24.85 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.94	0.75	2.74
P/E	0.0	0.0	35.88
Shareholdings
Promoter Holding	57.71 %	48.13 %	66.43 %
Share Pledged by Promoters	6.38 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-10.47 %	-14.49 %	-7.42 %
Change in Mutual Fund Holding (3 Yrs)	2.42 %	0.31 %	-0.24 %

Business

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Segment Break-Up	Segment Break-Up Micro Finance 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0 Madhya pradesh 0 Tamil Nadu 0	Location Wise Break-Up Karnataka 12.84 India 0 Odisha 20.6 Madhya Pradesh 18.88 Gujarat 3.22 Bihar 2.91 Chattisgarh 8.8 Tamil Nadu 0 Kerala 3.93 Maharashtra 10.63 Andhra Pradesh 7.51 Rajasthan 2.24 Madhya pradesh 0 Jharkhand 5.5 Others 2.94	Location Wise Break-Up Karnataka 31.09 India 0 Odisha 0 Madhya Pradesh 0 Gujarat 0 Bihar 0 Chattisgarh 0 Tamil Nadu 18.98 Kerala 0 Maharashtra 21.49 Andhra Pradesh 0 Rajasthan 0 Madhya Pradesh 8.05 Jharkhand 0 Others 20.39
Customer Segment	Customer Segment Rural 94.0 Urban 6.0 Urban/Semi Urban 0	Customer Segment Rural 86.0 Urban/Semi Urban 14.0 Urban 0	-
Borrowings Break-Up	Borrowings Break-Up Private Sector Bank 37.0 Public Sector Bank 30.0 Foreign-Bank 19.0 Development financial Institutions 7.0 Non-Banking Financial Institutions 3.0 Non-Convertible Debentures 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Others 4.0	Borrowings Break-Up Foreign-Bank 0 Financial institutions 0 External commercial borrowings 0 Non-Convertible Debentures 0 Private Sector Bank 0 Loan From Banks 78.01 Loan From NBFC 18.7 Non-banking financial companies 0 Non-Banking Financial Institutions 0 Banks 0 Development financial Institutions 0 Public Sector Bank 0 Loan From Banks 3.28 Others 0.01	Borrowings Break-Up Foreign-Bank 0 Financial Services 12.23 External Commercial Borrowings 18.65 Non-Convertible Debentures 0 Private Sector Bank 0 Indian rupee loan from banks 0 0 NBFC 3.25 Non-Banking Financial Institutions 0 Banking 65.77 Development financial Institutions 0 Public Sector Bank 0 Cash credit from bank 0 Others 0.1

Fusion Finance Ltd.

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