Financial Performance FY 2022
Ⓡ
PROFITABILITY RATIOS
Yearly
(Based on Average Loan
Assets)
(%)
Muthoot Finance
Quarterly
(%)
Mar-22 Mar-21* Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15
Q4 FY Q3 FY
2022* 2022*
Q2 FY Q1 FY
2022*
2022*
Interest income to avg. loan
20.06
22.17 23.03
21.63
22.21 21.43 19.72 19.30
18.74
20.68
20.73
20.40
assets
Interest expense to avg. loan
assets
7.02
7.93
7.51
7.16 6.92 8.69 9.25 9.52
6.53
6.94 7.27
7.47
Net Interest Margin
13.03
14.24 15.52
14.47
15.29 12.74 10.47 9.78 12.21 13.74 13.46 12.93
Other income to avg. loan
0.26
0.53
0.43
0.40
0.47 0.35 0.25 0.25
0.27 0.24
0.31
0.24
assets
Net Income Including Other
13.30
14.77
15.95
14.87
15.76 13.09 10.72 10.03
12.47 13.97 13.76
13.17
Income
Selling, general and
administrative expenses to
3.25
3.72
4.68
4.81
5.32
4.56
4.43 4.84 3.69
3.19
3.17
2.95
avg. loan assets
Provisions and write offs to
0.23
0.20
0.26
0.08
0.11 1.07
0.67
0.17
(0.50) 0.65
0.55
0.26
avg. loan assets
PBDT to avg. loan assets
10.66
10.85 11.01
9.98
10.33 7.45 5.62
5.02
9.27
10.13 10.04
9.97
Depreciation to avg. loan
0.94
0.10
0.11
0.12
0.15
0.17
0.23
0.37
0.11
0.10 0.09
0.08
assets
PBT to avg. loan assets
9.72
10.75
10.90
9.85
10.19
7.28 5.39
Tax to avg. loan assets
2.48
2.76
2.79
3.54
3.82
PAT to avg. loan assets
7.24
7.99
8.11
6.31
6.36 4.47
2.81 2.08
3.32
4.65 9.17
1.62 2.35 2.54
3.03 6.81 7.49
10.03 9.95
9.88
2.57
2.50
7.38
7.38
Cash Profit to avg. loan assets: 8.18
8.09
8.22
6.44
6.51
4.65 3.54
3.40 6.92 7.59 7.47
7.46
*Under IND-AS
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