Investor Presentaiton
Ⓡ
PROFITABILITY RATIOS
Yearly
(Based on Average Loan
Assets)
Interest income to avg. loan
assets
(%)
Muthoot Finance
Quarterly
(%)
Q1 FY
Q4 FY
Q1 FY
Mar-21* Mar-20* Mar-19* Mar-18* Mar-17
Mar-16
Mar-15 Mar-14 Mar-13
2022*
2021*
2021*
22.17 23.03 21.63 22.21 21.43
19.72
19.30 20.27 21.66
20.40 21.66
22.35
Interest expense to avg. loan
assets
7.93
7.51 7.16
6.92 8.69
9.25
9.52 10.84 11.38 7.47
7.39
8.41
Net Interest Margin
14.24 15.52 14.47
15.29
12.74
10.47 9.78 9.42 10.27 12.93
14.27
13.94
Other income to avg. loan
assets
0.53
0.43 0.40
0.47
0.35
0.25
0.25
0.16 0.09 0.24
0.30
0.67
Net Income Including Other
14.77
15.95
14.87
15.76
13.09 10.72
10.03 9.59 10.37 13.17 14.58
14.61
Income
Selling, general and
administrative expenses to
3.72
4.68 4.81
5.32
4.56
4.43
4.84
4.28 3.72 2.95
3.90
3.51
avg. loan assets
Provisions and write offs to
0.20
0.26
0.08
0.11
1.07
0.67
0.17 0.18 0.36
0.26
0.09
0.14
avg. loan assets
PBDT to avg. loan assets
10.85
11.01
9.98
10.33
7.45
5.62
5.02
5.12 6.28
9.97
10.59 10.96
Depreciation to avg. loan
assets
0.10
0.11 0.12
0.15
0.17
0.23
0.37
0.20 0.18
0.08
0.11
0.10
PBT to avg. loan assets
10.75
10.90
9.85
10.19
7.28
5.39
4.65
4.93
6.10
9.88
10.48
10.86
Tax to avg. loan assets
2.76
2.79 3.54
3.82
2.81
2.08
1.62
1.71 2.05 2.50
2.75
2.75
PAT to avg. loan assets
7.99 8.11
6.31
6.36
4.47
3.32
3.03
3.22 4.05
7.38
7.73
8.11
Cash Profit to avg. loan assets
8.09
8.22
6.44
6.51
4.65
3.54
3.40
3.42 4.24 7.46
7.84
8.21
*Under IND-AS
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