Financial Performance FY 2022

Ⓡ OPERATING EXPENSES TO AVERAGE LOAN ASSETS Muthoot Finance Operational efficiency over the years Yearly (%) Quarterly 8.00 8.00 7.50 7.50 7.00 7.00 6.50 6.50 6.00 5.63 6.00 5.43 5.50 5.10 5.50 5.01 4.89 4.94 5.00 5.00 4.46 4.50 4.08 3.92 4.50 4.00 3.48 4.00 3.50 3.50 3.00 3.19 3.00 2.50 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18* Mar-19* Mar-20* Mar-21* Mar-22* 2.50 Q4 FY 2022* Q3 FY 2022* *Under IND AS (%) 3.84 3.72 3.21 Q2 FY 2022* Q1 FY 2022* 42

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