Investor Presentaiton
Ⓡ
PROFITABILITY RATIOS
Yearly
Muthoot Finance
(%)
Quarterly
(%)
(Based on Average Loan
Assets)
Mar-23* Mar-22* Mar-21* Mar-20* Mar-19* Mar-18* Mar-17
Q2 FY
2024*
Q2 FY Q1 FY H1 FY
2023 2024*
H1 FY
2024*
2023*
Interest income to avg. loan
assets
17.70
20.06 22.17 23.03 21.63 22.21 21.43
17.65
17.38 18.08
17.93 17.29
Interest expense to avg. loan
assets
6.31
7.02 7.93 7.51 7.16
6.92 8.69
6.77
6.34 6.50
6.67
6.43
Net Interest Margin
11.38
13.03 14.24 15.53 14.47 15.29 12.74
10.88
11.04 11.58
11.27
10.86
Other income to avg. loan
assets
0.30
0.26 0.53 0.43 0.40
0.47 0.35
0.34
0.20 0.42
0.38
0.20
Net Income Including Other
11.68
13.30 14.77 15.95 14.87 15.76 13.08
11.23
11.24 12.00
11.65 11.05
Income
Selling, general and
administrative expenses to avg.
3.52
3.25
3.72 4.68 4.80 5.32 4.56
3.28
3.08
3.35
3.33
3.38
loan assets
Provisions and write offs to avg.
0.10
0.23 0.20 0.26 0.09 0.11 1.07
0.07
(0.09) 0.53
0.29 (0.25)
loan assets
PBDT to avg. loan assets
8.06
9.81
10.85 11.02
9.98 10.33 7.45
7.88
8.25 8.12
8.03
7.92
Depreciation to avg. loan
0.10
0.09
0.10 0.11
0.12
0.15 0.17
0.09
0.09 0.08
0.09
0.09
assets
PBT to avg. loan assets
7.97
9.72
10.75 10.91
9.85
10.19 7.28
7.79
8.16
8.04
7.94
7.83
Tax to avg. loan assets
2.04
2.48 2.76 2.79
3.54
PAT to avg. loan assets
5.93
7.24 7.99 8.12
3.82 2.81
6.31 6.36 4.47
1.99
2.07 2.08
2.04
2.00
5.80
6.09 5.96
5.90
5.82
Cash Profit to avg. loan assets
6.03
7.33
8.09 8.23
6.44
6.51 4.65
5.89
6.18
6.04
5.99
5.91
*Under IND-AS
55View entire presentation