Muthoot Finance H1 FY 2024 Financial Performance

Ⓡ SAFETY OF OUR GOLD LOAN PORTFOLIO Lender's Perspective & Borrower's Perspective Muthoot Finance Sep-23 Jun-23 Mar-23 Sep-22 Mar-22 Mar-21 Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 Gold Loan assets (in Billions) 675 660 619 565 575 519 407 336 288 272 243 Quantity of Gold content in Ornaments held as Security 183 182 180 177 187 171 176 169 155 149 142 (Tonnes) Gold Price/gm (*) 5,287 5,318 5,473 4,608 4,716 4,048 3,955 2,910 2,824 2,725 2,670 Lender's Perspective Market Price of Gold Content in 967 967 985 816 882 692 696 492 438 406 379 Ornaments (in Billions) Margin of safety on loans 30% 32% 37% 31% 35% 25% 42% 32% 34% 33% 36% Borrower's Perspective Market Value of Gold Ornaments (in Billions) with 20% additional value towards making charges etc 1,160 1,160 1,182 979 1,058 830 835 590 526 487 455 Equity of Borrower in the Gold Ornaments net of loans availed 42% 43% 48% 42% 46% * Above calculations are made on overall portfolio and excludes interest accrued on loans 37% 51% 43% 45% 44% 47% 40

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