Investor Presentaiton
Ⓡ
Muthoot Homefin Muthoot Finance
Business Performance
Particulars
(in millions)
H1 FY 2022
H1 FY 2021
Q2 FY 2022
Q1 FY 2022
FY 2021
Disbursement (R)
738
729
180
557
1,010
Borrowings ()
9,985
13,312
9,985
10,531
11,846
Debt Equity Ratio (%)
2.27
3.08
2.27
2.40
2.70
Yield on Advances (%)
12.48
12.89
12.72
12.26
12.51
Interest Spread (%)
4.03
3.58
4.26
3.83
3.41
NIM (%)
6.03
5.25
6.59
5.50
5.13
Cost to Income Ratio (%)
50.97
36.90
54.46
47.50
42.16
Return on Assets (ROA) (%)
0.11
0.67
0.07
0.14
0.75
Return on Equity (ROE) (%)
0.32
2.67
0.21
0.43
2.92
Stage III Loan Assets
775
331
775
1,012
681
% Stage III assets on Gross Loan
4.73
1.71
4.73
5.94
4.00
Assets (AUM)
Stage III ECL Provision
320
281
320
309
207
ECL Provision
372
348
372
361
261
ECL Provision as a % of Gross Loan
2.27
1.80
2.27
2.12
1.53
Assets (AUM)
Number of Customers
22,030
23,812
22,030
22,421
22,765
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