Muthoot Finance Credit Ratings & Financial Analysis
Key Financial Parameters
Particulars
ā
Muthoot Finance
(in millions)
9M FY 2021 9M FY 2020
Q3 FY 2021
Q2 FY 2021
Q1 FY 2021
FY 2020
Number of Branches
619
573
619
618
603
603
Number of Employees
4,365
4,269
4,365
4,413
4,197
4,425
Gross Loan AUM (*)
28,856
22,849
28,856
26,867
25,754
26,310
Capital Adequacy Ratio (%)
24
27
24
27
26
26
Total Revenue (*)
3,919
3,681
1,454
1,320
1,171
5,007
Total Expense (*)
3,479
2,654
1,398
1,124
983
3,675
Profit Before Tax (*)
440
1,027
56
196
188
1,332
Profit After Tax (*)
350
769
54
151
145
990
Stage III Loan Assets
194
258
194
167
287
240
% Stage III assets on Gross Loan
0.67
1.13
0.67
0.62
1.11
0.91
Assets
Stage III ECL Provision
158
230
158
153
215
216
ECL Provision
677
347
677
462
418
369
ECL Provision as a % of Gross Loan
2.35
1.52
2.35
1.72
1.62
1.40
Assets
Shareholders Funds (7)
5,293
4,748
5,293
5,244
5,131
4,978
Total Outside Liabilities (*)
25,355
20,022
25,355
24,300
23,454
20,210
Total Assets (7)
30,648
24,770
30,648
29,544
28,585
25,188
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