Muthoot Finance FY 2021 Financial Overview

Ⓡ SAFETY OF OUR GOLD LOAN PORTFOLIO Lender's Perspective & Borrower's Perspective Muthoot Finance Mar-21 Dec-20 Sep-20 Jun-20 Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15 Gold Loan assets ( in Billions) 519 497 462 405 407 336 288 272 243 233 Quantity of Gold content in Ornaments 171 166 163 165 176 169 155 149 142 131 held as Security (Tonnes) Gold Price/gm (₹) 4,048 4,599 4,621 4,448 3,955 2,910 2,824 2,725 2,670 2,470 Lender's Perspective Market Price of Gold Content in 692 763 753 734 696 492 438 406 379 324 Ornaments (in Billions) Margin of safety on loans 25% 35% 39% 45% 42% 32% 34% 33% 36% 28% Borrower's Perspective Market Value of Gold Ornaments (in Billions) with 20% additional value towards 830 916 904 881 835 590 526 487 455 389 making charges etc Equity of Borrower in the Gold Ornaments 37% 46% 49% 54% 51% 43% 45% 44% 47% 40% net of loans availed * Above calculations are made on overall portfolio and excludes interest accrued on loans 30

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