Muthoot Finance Credit Ratings & Financial Analysis

BREAK-UP OF OPERATING EXPENSES Ⓡ Muthoot Finance Yearly Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Mar-14 Mar-13 Employee Benefit Expenses Rent 2,158 1,974 1,913 1,808 1,713 1,650 1,542 Quarterly Q3 FY: Q3 FY Q2 FY Q1 FY 9M FY 9M FY 2021 2020* 2021* 2021* 2021 2020* 9,657 8,415 7,393 7,280 6,418 6,304 5,917 5,453 2,329 2,509 2,450 2,282 7,060 6,987 1,309 560 548 592 429 1,581 1,607 (in million) in millions) Advertisement & 1,163 1,056 720 531 626 651 702 579 264 442 404 142 810 869 Publicity Communication Costs 355 368 404 372 378 371 364 243 113 85 101 75 289 258 Traveling and 273 240 182 186 187 212 190 175 58 73 49 32 139 210 Conveyance Printing and Stationery 177 153 136 129 144 160 185 168 49 49 40 40 22 111 123 Repairs and 283 280 304 362 290 281 272 256 84 73 73 76 58 218 220 Maintenance Legal and Professional 260 203 154 124 93 189 216 86 127 Charges 60 60 67 122 316 199 Business Promotion 720 481 209 201 149 140 279 332 41 145 129 115 285 543 Expenses Directors Remuneration 633 561 431 362 196 192 192 192 81 71 80 80 242 214 Depreciation and 431 421 439 482 575 841 475 454 140 110 114 99 353 308 Amortisation Expenses Others 1,677 1,260 2,970 835 1,014 733 731 550 562 386 395 282 1,239 944 Provision For Standard 2,647 1,223 180 214 765 & NPA Assets Impairment on 957 259 316 585 612 107 146 838 909 Financial instruments Total 18,744 15,670 15,571 15,319 13,006 11,904 11,279 10,562 4,994 5,154 4,604 3,884 13,482 13,392 *Under IND-AS 42

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