Gold Loan Portfolio Analysis

INTEREST SPREAD Yearly (%) Quarterly Muthoot Finance (%) 26.00 26.00 24.00 23.03 24.00 21.66 22.21 22.17 21.43 22.00 21.23 22.00 20.27 19.31 19.72 20.00 20.06 20.00 18.74 18.00 18.00 17.30 16.00 16.00 14.04 13.45 13.49 14.00 12.42 14.00 11.88 11.99 12.23 12.00 10.93 10.80 10.90 12.00 10.53 8.99 10.00 9.24 9.00 8.39 8.38 8.76 8.68 10.00 8.07 8.92 7.93 8.00 8.00 6.00 9.37 20.40 LL 7.83 10.91 8.19 12.21 6.00 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18*Mar-19*Mar-20*Mar-21*Mar-22* *Under IND-AS Q1 FY 2023* Q4 FY 2022* Q1 FY 2022* Interest Income on Average Loan Assets Interest Expenses on Average Outside Liabilities Interest Spread 55 35

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