Muthoot Finance Credit Ratings & Financial Analysis

Consolidated Financial Results Particulars Income Ⓡ Muthoot Finance (in millions) 9M FY 9M FY Q3 FY Q3 FY Q2 FY Q1 FY FY 2020 2021 2020 2021 2020 2021 2021 Interest Income 82,017 68,548 29,438 24,971 27,290 25,289 94,177 Service Charges 730 676 274 254 318 137 943 Sale of Services 85 150 36 46 31 18 191 Other Income 211 202 157 67 32 23 233 Income other than above 1,431 1,161 259 613 571 601 1,528 Total Income 84,474 70,737 30,164 25,951 28,242 26,068 97,072 Expenses Finance Cost 30,488 23,086 10,486 8,103 10,282 9,720 31,728 Impairment of Financial Instruments 1,721 1,664 1,009 976 281 431 1,871 Employee Benefit Expenses 8,665 8,555 2,889 3,089 2,976 2,800 12,085 Depreciation, Amortisation and 471 420 174 162 156 140 592 Impairment Other Expenses 5,667 5,687 2,101 2,094 2,104 1,462 8,192 Total Expenses 47,011 39,412 16,659 14,423 15,799 14,553 54,468 Profit before tax 37,463 31,325 13,506 11,528 12,443 11,515 42,604 Tax expense 9,512 7,996 3,439 2,918 3,136 2,938 10,917 Profit after Tax 27,951 23,329 10,067 8,610 9,307 8,577 31,687 Earnings per share -Basic (*) 69.42 57.62 25.15 21.28 23.09 21.28 78.30 Earnings per share -Diluted (*) 69.35 57.52 25.02 21.25 23.08 21.25 78.20 8

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