Investor Presentaiton

IMPAIRMENT OF LOAN ASSETS Stage III Loans Assets and ECL Provision Pa Muthoot Finance (in millions) Sep-20 Sep-21 Jun-21 Mar-21 Stage III Loan Assets 10,213 6,408 4,641 5,920 % Stage III Assets on Gross Loan Assets 1.85 1.22 0.88 1.26 ECL Provision on Gross Loan Assets 7,175 6,501 6,257 5,636 ECL Provision as % of Gross Loan Assets Excess Provision outstanding in books Staging Criteria 1.30 1.24 1.19 1.20 2,954 2,954 2,954 2,954 Stage Description Stage 1 Stage 2 Stage 3 PD-Probability of default Bad Debts 0-30 days past due > 30 to <= 90 past due > 90 days past due LGD-Loss given default Provision Mechanism PD X LGD x Stage 1 Asset PD x LGD x Stage 2 Asset LGD x EAD of Stage 3 Asset EAD-Exposure at Default (in millions) Q2 FY 2022 Q1 FY 2022 Q2 FY 2021 H1 FY 2022 H1 FY 2021 FY 2021 Bad Debts Written Off 77 91 10 168 38 118 % of Bad Debts written off to Gross Loan Assets 0.01 0.02 0.002 0.03 0.01 0.02 36

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