Gold Loan Portfolio Analysis

OPERATING EXPENSES TO AVERAGE LOAN ASSETS Muthoot Finance Operational efficiency over the years Yearly (%) Quarterly Ⓡ (%) 8.00 8.00 7.50 7.50 7.00 7.00 6.50 6.50 6.00 5.63 6.00 5.43 5.50 5.10 5.01 5.50 4.89 4.94 5.00 4.46 5.00 4.50 4.08 3.92 4.50 4.00 3.48 4.00 3.50 3.50 3.00 3.30 3.19 3.21 3.00 2.50 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18* Mar-19* Mar-20* Mar-21* Mar-22* 2.50 Q1 FY 2023* Q4 FY 2022* Q1 FY 2022* *Under IND AS 42 22

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