Muthoot Finance Credit Ratings & Financial Analysis
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Muthoot Homefin Muthoot Finance
Business Performance
(in millions)
Particulars
9M FY 2021
9M FY 2020
Q3 FY 2021 Q2 FY 2021
Q1 FY 2021 FY 2020
Disbursement (R)
856
3,564
126
116
613
4,127
Borrowings ()
13,077
14,913
13,077
13,312
14,712
14,185
Debt Equity Ratio (%)
3.01
3.50
3.01
3.08
3.44
3.33
Yield on Advances (%)
12.48
12.36
11.61
12.74
13.04
11.77
Interest Spread (%)
3.30
2.90
2.68
3.52
3.65
2.29
NIM (%)
4.94
5.19
4.27
4.97
5.52
4.40
Cost to Income Ratio (%)
36.56
37.55
35.79
30.15
43.47
36.06
Return on Assets (ROA) (%)
0.59
2.03
0.44
1.26
0.09
1.65
Return on Equity (ROE) (%)
2.33
9.97
1.66
4.96
0.38
7.75
Stage III Loan Assets
293
335
293
331
337
338
% Stage III assets on Gross Loan
1.56
1.65
1.56
1.71
1.70
1.71
Assets
Stage III ECL Provision
111
270
111
111
111
111
ECL Provision
385
341
385
348
309
179
ECL Provision as a % of Gross Loan
2.05
1.68
2.05
1.80
1.56
0.91
Assets
Number of Customers
23,418
24,678
23,418
23,812
24,088
24,390
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