Financial Results Q1 FY 2021

Ⓡ Muthoot Homefin Muthoot Finance Business Performance (in millions) Particulars Q1 FY 2021 Q4 FY 2020 Q1 FY 2020 FY 2020 Disbursement (*) 613 570 1,114 4,127 Borrowings (*) 14,712 14,185 16,022 14,185 Debt Equity Ratio (%) 3.44 3.33 3.99 3.33 Yield on Advances (%) 13.04 10.13 12.70 11.77 Interest Spread (%) 3.65 0.58 3.36 2.29 NIM (%) 5.52 2.69 5.40 4.40 Cost to Income Ratio (%) 43.47 28.55 28.68 36.06 Return on Assets (ROA) (%) 0.09 0.26 1.29 1.65 Return on Equity (ROE) (%) 0.38 1.10 6.28 7.75 Stage III Loan Assets 337 338 161 338 % Stage III assets on Gross Loan Assets 1.70 1.71 0.81 1.71 Stage III ECL Provision 111 111 56 111 ECL Provision 309 179 134 179 ECL Provision as a % of Gross Loan Assets 1.56 0.91 0.68 0.91 Number of Customers 24,088 24,390 23,621 24,390 57

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