Gold Loan Portfolio Analysis

Ⓡ Muthoot Homefin Muthoot Finance Business Performance (in millions) Particulars Q1 FY 2023 Q4 FY 2022 Q1 FY 2022 FY 2022 Disbursement (*) 661 388 557 1,341 Borrowings (*) 7,820 7,643 10,531 7,643 Debt Equity Ratio (%) 1.74 1.71 2.40 1.71 Yield on Advances (%) 12.58 12.60 12.26 12.41 Interest Spread (%) 4.42 4.50 3.83 4.11 NIM (%) 6.56 6.66 5.50 6.16 Cost to Income Ratio (%) 51.15 59.95 47.50 56.76 Return on Assets (ROA) (%) 0.55 1.95 0.14 0.65 Return on Equity (ROE) (%) 1.30 5.03 0.43 1.91 Stage III Loan Assets 380 309 1,012 309 % Stage III assets on Gross Loan Assets (AUM) 2.58 2.10 5.94 2.10 Stage III ECL Provision 235 178 309 178 ECL Provision 308 257 361 257 ECL Provision as a % of Gross Loan Assets (AUM) 2.09 1.75 2.12 1.75 Number of Customers 20,798 21,035 22,421 21,035 62 32

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