Muthoot Finance FY 2021 Financial Overview

Ⓡ Muthoot Homefin Muthoot Finance Business Performance Particulars Disbursement (R) Borrowings () Debt Equity Ratio (%) Yield on Advances (%) Interest Spread (%) NIM (%) Cost to Income Ratio (%) FY 2021 (in millions) FY 2020 1,010 4,127 11,846 14,185 2.7 3.33 12.51 11.77 3.41 2.29 5.13 4.40 42.16 36.06 Return on Assets (ROA) (%) 0.75 1.65 Return on Equity (ROE) (%) 2.92 7.75 Stage III Loan Assets 681 338 % Stage III assets on Gross Loan Assets (AUM) 4.00 1.71 Stage III ECL Provision 207 111 ECL Provision 261 179 ECL Provision as a % of Gross Loan Assets (AUM) 1.53 0.91 Number of Customers 22,765 24,390 61

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