Fusion Finance Ltd.

Financial

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Operational Metrics
Banking Sector
Capital to Risks Assets Ratio (CRAR)	22.42 %	37.1 %	25.5 %
Gross NPA	7.92 %	n/a	n/a
Net Interest Margin	8.6 %	10.7 %	12.8 %
Cost To Income Ratio	69.6 %	85.1 %	33.5 %
Net NPA	0.3 %	n/a	n/a
Building Materials
Cost of Borrowing	10.5 %	12.1 %	9.7 %
NBFC
AUM - NBFC	8980.0 Crs	6819.0 Crs	26055.0 Crs
Tier I Capital	20.89 %	n/a	24.6 %
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	-6.99 %	7.01 %	11.59 %
5yr average Equity Multiplier	4.63	2.84	4.33
5yr Average Asset Turnover Ratio	0.2	0.19	0.17
5yr Avg Net Profit Margin	-0.35 %	12.11 %	15.77 %
5yr Avg Net Profit Margin	-0.35 %	12.11 %	15.77 %
5yr CAGR Net Profit	n/a	7.33 %	31.72 %
5yr CAGR Sales	22.09 %	8.58 %	18.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.61	0.81	2.87
P/E	0.0	0.0	102.81
Shareholdings
Promoter Holding	55.01 %	48.13 %	66.43 %
Share Pledged by Promoters	4.49 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-13.17 %	-15.46 %	-7.39 %
Change in Mutual Fund Holding (3 Yrs)	-1.51 %	0.26 %	-0.13 %

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 Tamil Nadu 0 Gujarat 3.22 Rajasthan 2.24 Madhya pradesh 0 Maharashtra 10.63 Kerala 3.93 Odisha 20.6 Chattisgarh 8.8 Karnataka 12.84 Andhra Pradesh 7.51 India 0 Madhya Pradesh 18.88 Jharkhand 5.5 Bihar 2.91 Others 2.94	Location Wise Break-Up Tamil Nadu 18.63 Gujarat 0 Rajasthan 0 Madhya Pradesh 8.23 Maharashtra 21.43 Kerala 0 Odisha 0 Chattisgarh 0 Karnataka 31.1 Andhra Pradesh 0 India 0 Madhya Pradesh 0 Jharkhand 0 Bihar 0 Others 20.61
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 36.0 Public Sector Bank 27.0 Foreign-Bank 20.0 Development financial Institutions 7.0 Non-Banking Financial Institutions 5.0 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 5.0	Borrowings Break-Up Private Sector Bank 0 Public Sector Bank 0 Non-Convertible Debentures 0 Loan From Banks 78.01 Foreign-Bank 0 Financial institutions 0 Development financial Institutions 0 Banks 0 Non-banking financial companies 0 Loan From NBFC 18.7 Non-Banking Financial Institutions 0 Loan From Banks 3.28 External commercial borrowings 0 Others 0.01	Borrowings Break-Up Private Sector Bank 0 Public Sector Bank 0 Non-Convertible Debentures 0 Indian rupee loan from banks 0 Foreign-Bank 0 Financial Services 9.49 Development financial Institutions 0 Banking 64.29 NBFC 2.45 0 Non-Banking Financial Institutions 0 Cash credit from bank 0 External Commercial Borrowings 22.48 Others 1.29

Fusion Finance Ltd.

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