FUSIONNSEQ3 FY2024-25December 31, 2024

Fusion Finance Limited

6,516words
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Key numbers — 40 extracted
rs,
te hereof. Fusion Finance Limited (the “Company” ) or any of their respective affiliates, shareholders, directors, employees, agents, officers, advisors or representatives (together, “Representatives”) m
₹800
tricter norms, with an increased emphasis on collections Capital Raise On track: rights issue of ₹800 Cr Strong Financial Position: healthy CRAR of 22.2% (30% + proforma for rights issue) and robust
22.2%
tions Capital Raise On track: rights issue of ₹800 Cr Strong Financial Position: healthy CRAR of 22.2% (30% + proforma for rights issue) and robust liquidity of ₹1,151 Cr, as of Dec’24 Continued Len
30%
Capital Raise On track: rights issue of ₹800 Cr Strong Financial Position: healthy CRAR of 22.2% (30% + proforma for rights issue) and robust liquidity of ₹1,151 Cr, as of Dec’24 Continued Lenders’
₹1,151
nancial Position: healthy CRAR of 22.2% (30% + proforma for rights issue) and robust liquidity of ₹1,151 Cr, as of Dec’24 Continued Lenders’ Support : successfully obtained covenant waivers for approxima
80%
f Dec’24 Continued Lenders’ Support : successfully obtained covenant waivers for approximately ~80% of borrowings Future Proofing Balance Sheet : prudent accounting actions impacting current quarter
20.6%
d Business, with Improving Underlying Health Borrower deleveraging visible in our customer base (20.6% borrowers with Fusion+>=3 in Dec’24 vs 31.5% in Mar’24) Stabilizing Asset Quality evident in impr
31.5%
Borrower deleveraging visible in our customer base (20.6% borrowers with Fusion+>=3 in Dec’24 vs 31.5% in Mar’24) Stabilizing Asset Quality evident in improving month-on-month PAR flow (~65% improveme
65%
ec’24 vs 31.5% in Mar’24) Stabilizing Asset Quality evident in improving month-on-month PAR flow (~65% improvement in flow rate from current to PAR1-30 in Jan’25 vs Q2FY25) ^ Maintaining Strong Solv
₹400
cessfully obtained covenant waivers for ~80% of borrowings (as of Dec’24) and raised an additional ₹400 Cr QTD# Q4FY25 Significantly enhanced provision coverage across all stages; Stage 3 provision cove
76%
nificantly enhanced provision coverage across all stages; Stage 3 provision coverage increased from 76% in Q2 to 88% in Q3, resulting in an improvement in NNPA (1.7% in Dec '24 vs 2.4% in Sep '24) Futu
88%
anced provision coverage across all stages; Stage 3 provision coverage increased from 76% in Q2 to 88% in Q3, resulting in an improvement in NNPA (1.7% in Dec '24 vs 2.4% in Sep '24) Future-proofing B
Risks & concerns — 3 flagged
including Enhanced Oversight: The Head of Audit holds special veto powers for approvals in new operational areas, reinforcing strong risk controls.
— Strong Risk governance structure
Robust Risk Management: The Risk Management Committee actively reviews management policies related to risk mitigation and regulatory compliance.
— Strong Risk governance structure
Dedicated ALM Committee continuously monitors the maturity schedule of financial liabilities and assets, ensuring financial stability and risk mitigation.
— Strong Risk governance structure
Speaking time
Vision
1
Mission
1
Strong Risk governance structure
1
For Investor queries contact
1
Opening remarks
Vision
“Fusion Finance with a social vision and business orientation aims to provide underprivileged women with economic opportunities to transform the quality of their lives.” 15 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com
Mission
“A self-sustainable financial institution which leverages the distribution network to channel other products and services.” Creating Opportunities… Our Presence 4 16 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com Creating Opportunities… States Districts Branches AUM (₹ Cr) FY15 5 38 75 295 FY 16 FY24 9M FY 25 9 88 173 647 22 453 1,297 11,476 22 496 1,506 10,599 Our Presence J & K (2) Punjab (55) Himachal Pradesh (9) Haryana (47) Rajasthan (111) Delhi (8) Uttarakhand (21) Uttar Pradesh (278) Assam (33) Madhya Pradesh (132) Bihar(185) Jharkhand (62) Gujarat (59) Chhattisgarh (35) Maharashtra (42) Telangana (42) West Bengal (36) Odisha (134) Karnataka (53) Andhra Pradesh (46) Puducherry (3) Tamil Nadu (113) 17 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com Creating Opportunities… Key Strengths 5 18 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com Key Strengths Creating Opportunities… Diversification Liability Management Consistency Di
Strong Risk governance structure
Board Risk Mgmt. Committee Management Risk committee 30 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com ement g a n a M Risk Audit M a n a g ement Independent Audit Function reporting to Board Audit Committee Strong reporting mechanism & Comprehensive risk-based audits Automation driving optimization of audit resources Adherence on effectiveness of controls / compliances Comprehensive grievance redressal mechanism ESG - seeking to be a responsible Financial Institution Creating Opportunities… Responsible approach towards environment , community and employees as well as towards internal governance standards Continuous Engagement with Community and Employees Governance Standards Expanding CSR Reach: Through 21 CSR programs, we have successfully implemented 366 initiatives, covering 212 districts across 21 states & UTs, positively impacting 81,000+ lives. Shiksha Program – Investing in Future Talent: Currently, 360+ students are undergoing screening under our Shiksha CSR
For Investor queries contact
Mr. Deepak Madaan| Email: investor.relations@fusionfin.com Adfactors PR |Investor Relations |Aashvi Shah - aashvi.shah@adfactorspr.com | Smit Shah - smit.shah@adfactorspr.com 45 |February 12, 2025 | © Fusion Finance Limited | www.fusionfin.com
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