Fusion Finance Ltd.

Financial

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Operational Metrics
Banking Sector
Capital to Risks Assets Ratio (CRAR)	22.2 %	36.0 %	25.9 %
Gross NPA	12.6 %	n/a	n/a
Net Interest Margin	8.9 %	11.3 %	13.0 %
Cost To Income Ratio	75.9 %	77.7 %	30.4 %
Net NPA	1.7 %	n/a	n/a
Building Materials
Cost of Borrowing	10.3 %	12.2 %	9.8 %
NBFC
AUM - NBFC	10599.0 Crs	8936.0 Crs	24810.0 Crs
Tier I Capital	26.59 %	n/a	24.7 %
Unclassified
Yield On Advances	19.1 %	21.1 %	n/a
Average Ticket Size - NBFC	47.1 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	1.06	0.66	2.67
P/E	0.0	0.0	21.16
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 Chattisgarh 8.8 Kerala 3.93 Rajasthan 2.24 Gujarat 3.22 Andhra Pradesh 7.51 Tamil Nadu 0 Madhya Pradesh 18.88 Jharkhand 5.5 India 0 Karnataka 12.84 Odisha 20.6 Madhya pradesh 0 Maharashtra 10.63 Bihar 2.91 Others 2.94	Location Wise Break-Up Chattisgarh 0 Kerala 0 Rajasthan 0 Gujarat 0 Andhra Pradesh 0 Tamil Nadu 19.46 Madhya Pradesh 0 Jharkhand 0 India 0 Karnataka 31.95 Odisha 0 Madhya Pradesh 7.3 Maharashtra 20.73 Bihar 0 Others 20.56
Customer Segment	Customer Segment Rural 94.0 Urban 6.0 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 37.0 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 Loan From NBFC 18.7 Loan From Banks 78.01 Development financial Institutions 0 Foreign-Bank 0 Non-Convertible Debentures 0 External commercial borrowings 0 Non-banking financial companies 0 Banks 0 Financial institutions 0 Private Sector Bank 0 Non-Banking Financial Institutions 0 Loan From Banks 3.28 Public Sector Bank 0 Others 0.01	Borrowings Break-Up 0 Indian rupee loan from banks 0 Development financial Institutions 0 Foreign-Bank 0 Non-Convertible Debentures 0 External Commercial Borrowings 18.65 NBFC 3.25 Banking 65.77 Financial Services 12.23 Private Sector Bank 0 Non-Banking Financial Institutions 0 Cash credit from bank 0 Public Sector Bank 0 Others 0.1

Fusion Finance Ltd.

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