Business Performance

Ⓡ Muthoot Homefin Muthoot Finance Business Performance Particulars Disbursement (*) (in millions) FY 2023 FY 2022 2,235 1,341 Borrowings (*) 6,602 7,643 Debt Equity Ratio (%) 1.44 1.71 Yield on Advances (%) 12.70 12.41 Interest Spread (%) 4.32 4.11 NIM (%) 7.04 6.16 Cost to Income Ratio (%) 52.85 56.90 Return on Assets (ROA) (%) 1.00 0.65 Return on Equity (ROE) (%) 2.30 1.91 Stage III Loan Assets 436 309 % Stage III assets on Net Loan Assets 4.01 2.93 Stage III ECL Provision 289 178 ECL Provision 358 257 ECL Provision as a % of Net Loan Assets 3.29 2.44 Number of Customers 21,223 21,035 70 70

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