Muthoot Finance Business Overview

IMPAIRMENT OF LOAN ASSETS Stage III Loans Assets and ECL Provision Pa Muthoot Finance (in millions) Jun-23 Mar-23 Jun-22 633,637 599,834 550,202 Stage I Loan Assets Stage II Loan Assets 13,958 8,278 4,612 Stage III Loan Assets 28,789 23,986 12,078 % Stage III Assets on Gross Loan Assets 4.26 3.79 2.13 ECL Provision on Gross Loan Assets 8,468 7,658 6,594 ECL Provision as % of Gross Loan Assets 1.25 1.21 1.16 Excess Provision outstanding in books 2,954 2,954 2,954 Bad Debts (in millions) Q1 FY 2024 Q4 FY 2023 Q1 FY 2023 FY 2023 Bad Debts Written Off 47 36 53 169 % of Bad Debts written off to Gross Loan Assets 0.01 0.01 0.01 0.03 47

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