CreditAccess Grameen Ltd.

Financial

	CreditAccess Grameen	Spandana Sphoorty	Fusion Micro Finance
Operational Metrics
Banking Sector
Net Interest Margin	13.5 %	14.1 %	11.48 %
NBFC
Cost To Income Ratio	30.7 %	41.8 %	40.41 %
Cost of Borrowing	9.8 %	12.5 %	10.1 %
AUM - NBFC	25133.0 Crs	10537.0 Crs	11571.0 Crs
Capital to Risks Assets Ratio (CRAR)	26.1 %	35.7 %	24.4 %
Tier I Capital	25.2 %	n/a	26.59 %
Gross NPA	2.44 %	4.86 %	n/a
Net NPA	0.76 %	0.99 %	n/a
Financials
5 yr Average ROE	12.5 %	7.01 %	9.08 %
5yr average Equity Multiplier	4.45	2.84	4.32
5yr Average Asset Turnover Ratio	0.15	0.19	0.17
5yr Avg Net Profit Margin	17.84 %	12.11 %	12.14 %
5yr Avg Net Profit Margin	17.84 %	12.11 %	12.14 %
5yr CAGR Net Profit	34.09 %	7.33 %	48.65 %
5yr CAGR Sales	24.85 %	8.58 %	27.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.89	0.63	0.7
P/E	9.88	23.26	0.0
Shareholdings
Promoter Holding	66.54 %	55.83 %	57.71 %
Share Pledged by Promoters	0.0	0.0	4.48 %
Change in Promoter Holding (3 Yrs)	-7.37 %	-6.46 %	-10.47 %
Change in Mutual Fund Holding (3 Yrs)	4.22 %	1.22 %	3.23 %

Business

	CreditAccess Grameen	Spandana Sphoorty	Fusion Micro Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.55 Fee & Commission income 1.1 Net gain on fair value changes 0.89 Dividend income 0 nbfc 0 Commission income 0 Others 0.46	Product Wise Break-Up Interest Income 0 nbfc 0 Commission income 0 Dividend income 0 Net gain on fair value changes 10.93 Fee & Commission income 0 Others 89.07	-
Location Wise Break-Up	Location Wise Break-Up Karnataka 31.37 Maharashtra 20.83 Tamil Nadu 20.02 Madhya Pradesh 6.84 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Madhya Pradesh 0 Odisha 0 India 0 Others 20.94	Location Wise Break-Up Tamil Nadu 0 Rajasthan 2.24 India 0 Maharashtra 10.63 Chattisgarh 8.8 Jharkhand 5.5 Karnataka 12.84 Madhya Pradesh 18.88 Kerala 3.93 Odisha 20.6 Bihar 2.91 Gujarat 3.22 Andhra Pradesh 7.51 Others 2.94	Location Wise Break-Up Tamil Nadu 0 Rajasthan 0 India 100.0 Maharashtra 0 Chattisgarh 0 Jharkhand 0 Karnataka 0 Madhya Pradesh 0 Kerala 0 Odisha 0 Bihar 0 Gujarat 0 Andhra Pradesh 0
Borrowings Break-Up	Borrowings Break-Up Banking 65.77 External Commercial Borrowings 18.65 Financial Services 12.23 NBFC 3.25 Cash credit from bank 0 0 Indian rupee loan from banks 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Others 0.1	Borrowings Break-Up Non-Banking Financial Institutions 0 NBFC 0 Financial Services 0 Non-Convertible Debentures 0 Development financial Institutions 0 Loan From Banks 3.28 Foreign-Bank 0 Public Sector Bank 0 Loan From NBFC 18.7 External Commercial Borrowings 0 Loan From Banks 78.01 Private Sector Bank 0 Banking 0 Others 0.01	Borrowings Break-Up Non-Banking Financial Institutions 2.8 NBFC 0 Financial Services 0 Non-Convertible Debentures 0 Development financial Institutions 6.5 Cash credit from bank 0 Foreign-Bank 18.4 Public Sector Bank 29.3 0 External Commercial Borrowings 0 Indian rupee loan from banks 0 Private Sector Bank 39.5 Banking 0 Others 3.5
AUM Break-Up - NBFC	AUM Break-Up - NBFC Income Generation Loans 90.44 Home loans 4.96 Consumer Finance 3.76 Family Welfare Loans 0.84 Emergency Loans 0 Jharkhand 0 Kerala 0 Gujarat 0 Rajasthan 0 Orissa 0 Madhya Pradesh 0 Karnataka 0 Maharastra 0 Chattisgarh 0 Andhra Pradesh 0 Bihar 0 West Bengal 0	AUM Break-Up - NBFC Income Generation Loans 0 Family Welfare Loans 0 West Bengal 0 Rajasthan 0 Maharashtra 10.2 Chattisgarh 6.7 Home loans 0 Karnataka 11.4 Bihar 0 Madhya Pradesh 17.5 Kerala 0 Orissa 15.8 Emergency Loans 0 Consumer Finance 0 Jharkhand 0 Gujarat 0 Andhra Pradesh 11.8 Others 26.6	-

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