Muthoot Finance FY 2021 Financial Overview
PROFITABILITY RATIOS
Yearly
60
ā
Muthoot Finance
Quarterly
(%)
(%)
(Based on Average
Loan Assets)
Q4 FY
Mar-21 Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Mar-14 Mar-13:
2021*
Q3 FY Q2 FY Q1 FY
2021*
2021*
2021*
Interest income to avg. loan
assets
22.17 23.03 21.63 22.21 21.43 19.72 19.30 20.27 21.66 21.66
22.31
22.71
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
7.39
7.77
8.37
8.41
Net Interest Margin
14.24 15.52 14.47 15.29
12.74
10.47 9.78 9.42 10.27 14.27
14.54 14.34 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
0.30
0.49
0.71
0.67
Net Income Including Other
Income
14.77 15.95 14.87
15.76
13.09 10.72
10.03 9.59
10.37
14.58
15.03
15.04
14.61
Selling, general and
administrative expenses to
3.72
4.68 4.81
5.32
4.56 4.43
4.84 4.28
3.72
3.90
3.51
3.98
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
0.09
0.48
0.10 0.14
avg. loan assets
PBDT to avg. loan assets
Depreciation to avg. loan
assets
10.85 11.01 9.98
10.33
7.45
5.62
5.02 5.12 6.28
10.59
11.04
10.96 10.96
0.10
0.11 0.12
0.15 0.17
0.23
0.37
0.20 0.18
0.11
0.11
0.09 0.10
PBT to avg. loan assets
10.75 10.90 9.85
10.19
7.28
5.39
Tax to avg. loan assets
2.76
2.79 3.54
3.82
2.81
2.08
PAT to avg. loan assets
7.99
8.11
6.31
6.36
4.47
3.32
1.62 1.71
3.03
4.65 4.93 6.10
2.05
10.48
10.93
10.87 10.86
3.22
4.05
2.75
7.73 8.14
2.79
2.77 2.75
8.10
8.11
Cash Profit to avg. loan
8.09
8.22
6.44
6.51
4.65
3.54
3.40 3.42 4.24 7.84
8.25
8.19
8.21
assets
*Under IND-AS
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