Gold Loan Portfolio Analysis

IMPAIRMENT OF LOAN ASSETS Pa Muthoot Finance Stage III Loans Assets and ECL Provision (in millions) Jun-22 Mar-22 Jun-21 550,202 545,326 517,110 Stage I Loan Assets Stage II Loan Assets 4,612 17,834 2,620 Stage III Loan Assets 12,078 17,372 6,408 % Stage III Assets on Gross Loan Assets 2.13 2.99 1.22 ECL Provision on Gross Loan Assets 6,594 7,219 6,501 ECL Provision as % of Gross Loan Assets 1.16 1.24 1.24 Excess Provision outstanding in books 2,954 2,954 2,954 Bad Debts (in millions) Q1 FY 2023 Q4 FY 2022 Q1 FY 2022 FY 2022 Bad Debts Written Off 53 58 91 289 % of Bad Debts written off to Gross Loan Assets 0.01 0.01 0.02 0.05 37

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