Muthoot Finance H1 FY 2024 Financial Performance
Ⓡ
Muthoot Homefin Muthoot Finance
Business Performance
Particulars
(in millions)
H1 FY 2024
H1 FY 2023
Q2 FY 2024
Q1 FY 2024
FY 2023
Disbursement (*)
2,779
1,051
1,684
1,094
2,235
Borrowings (*)
9,467
6,949
9,467
8,191
6,602
Debt Equity Ratio (%)
2.03
1.54
2.03
1.77
1.44
Yield on Advances (%)
13.33
12.36
13.31
13.34
12.70
Interest Spread (%)
4.57
4.14
4.56
4.63
4.32
NIM (%)
7.36
6.57
7.08
7.65
7.04
Cost to Income Ratio (%)
49.26
52.86
49.38
49.13
52.85
Return on Assets (ROA) (%)
1.57
0.76
1.45
1.71
1.00
Return on Equity (ROE) (%)
3.94
1.74
1.89
4.12
2.30
Stage III Loan Assets
510
449
510
462
436
% Stage III assets on Gross Loan
3.95
4.33
3.95
3.97
4.01
Assets
Stage III ECL Provision
321
302
321
325
289
ECL Provision
371
371
371
395
358
ECL Provision as a % of Gross Loan
Assets
2.87
3.58
2.87
3.39
3.29
Number of Customers
22,255
21,027
22,255
21,608
21,223
76
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