Fusion Micro Finance Ltd.

Financial

	Fusion Micro Fin.	Spandana Sphoorty	CreditAccess Grameen
Operational Metrics
Banking Sector
Capital to Risks Assets Ratio (CRAR)	27.9 %	35.0 %	24.5 %
Gross NPA	3.04 %	n/a	n/a
Net Interest Margin	11.54 %	13.3 %	13.1 %
Cost To Income Ratio	36.8 %	42.9 %	29.5 %
Net NPA	0.77 %	n/a	n/a
Building Materials
Cost of Borrowing	10.4 %	12.3 %	9.8 %
NBFC
AUM - NBFC	10693.0 Crs	10404.0 Crs	23382.0 Crs
Tier I Capital	26.59 %	n/a	23.6 %
Unclassified
Yield On Advances	21.9 %	24.1 %	n/a
Average Ticket Size - NBFC	44.7 Ths	n/a	n/a
Financials
5 yr Average ROE	6.91 %	7.56 %	10.82 %
5yr average Equity Multiplier	4.38	2.61	4.18
5yr Average Asset Turnover Ratio	0.17	0.2	0.15
5yr Avg Net Profit Margin	9.73 %	13.96 %	17.26 %
5yr Avg Net Profit Margin	9.73 %	13.96 %	17.26 %
5yr CAGR Net Profit	42.73 %	-47.61 %	20.75 %
5yr CAGR Sales	27.85 %	4.08 %	22.57 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.96	1.91	4.12
P/E	10.37	13.41	17.77
Shareholdings
Promoter Holding	57.71 %	59.75 %	66.58 %
Share Pledged by Promoters	2.78 %	2.82 %	0.0
Change in Promoter Holding (3 Yrs)	-10.47 %	-2.63 %	-7.41 %
Change in Mutual Fund Holding (3 Yrs)	6.79 %	2.25 %	7.45 %

Business

	Fusion Micro Fin.	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	Location Wise Break-Up Gujarat 3.22 Andhra Pradesh 7.51 Karnataka 12.84 Madhya Pradesh 18.88 Maharashtra 10.63 Kerala 3.93 Bihar 2.91 Rajasthan 2.24 India 0 Jharkhand 5.5 Odisha 20.6 Chattisgarh 8.8 Others 2.94	-
Customer Segment	Customer Segment Rural 93.0 Urban 7.0 Urban/Semi Urban 0	Customer Segment Urban 0 Rural 86.0 Urban/Semi Urban 14.0	-
Borrowings Break-Up	Borrowings Break-Up Private Sector Bank 37.9 Public Sector Bank 30.2 Foreign-Bank 14.7 Development financial Institutions 8.3 Non-Banking Financial Institutions 4.7 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 4.2	Borrowings Break-Up Banks 0 Loan From NBFC 33.98 Financial institutions 0 External commercial borrowings 0 Non-banking financial companies 0 Public Sector Bank 0 Non-Banking Financial Institutions 0 Development financial Institutions 0 Non-Convertible Debentures 0 Loan From Banks 59.89 Loan From Banks 6.13 Foreign-Bank 0 Private Sector Bank 0	Borrowings Break-Up Banking 73.76 0 Financial Services 10.48 External Commercial Borrowings 10.99 NBFC 4.1 Public Sector Bank 0 Non-Banking Financial Institutions 0 Development financial Institutions 0 Non-Convertible Debentures 0 Indian rupee loan from banks 0 Cash credit from bank 0 Foreign-Bank 0 Private Sector Bank 0 Others 0.67

Fusion Micro Finance Ltd.

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