Muthoot Finance Funding and Subsidiary Overview
Ⓡ
PROFITABILITY RATIOS
Yearly
(Based on Average Loan
Assets)
Muthoot Finance
(%)
Quarterly
(%)
Mar-22* Mar-21* Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Q4 FY: Q3 FY Q2 FY Q1 FY
2022* 2022* 2022*
2022*
Interest income to avg. loan
assets
20.06 22.17 23.03
21.63
22.21
21.43 19.72 19.30
18.74 20.68
20.73
20.40
Interest expense to avg. loan
assets
7.02
7.93 7.51
7.16
6.92
8.69 9.25 9.52 6.53 6.94
7.27
7.47
Net Interest Margin
13.03
14.24
15.52
14.47
15.29 12.74
10.47 9.78
12.21
13.74 13.46
12.93
Other income to avg. loan
assets
0.26
0.53 0.43
0.40
0.47 0.35
0.25 0.25
0.27
0.24 0.31
0.24
Net Income Including Other
13.30
14.77
15.95
14.87
15.76 13.09 10.72 10.03 12.47 13.97 13.76
13.17
Income
Selling, general and
administrative expenses to
3.25
3.72 4.68
4.81
5.32
4.56 4.43 4.84
3.69
3.19 3.17
2.95
avg. loan assets
Provisions and write offs to
0.23
0.20
0.26
0.08
0.11
1.07
0.67 0.17
avg. loan assets
(0.50) 0.65 0.55 0.26
PBDT to avg. loan assets
10.66
10.85
11.01
9.98
10.33 7.45
5.62 5.02 9.27
10.13 10.04 9.97
Depreciation to avg. loan
0.94
0.10
0.11
0.12
0.15
0.17 0.23 0.37 0.11
0.10
0.09 0.08
assets
PBT to avg. loan assets
9.72
10.75
10.90
9.85
Tax to avg. loan assets
2.48
2.76
2.79
3.54
PAT to avg. loan assets
7.24
7.99
8.11
6.31
6.36 4.47 3.32
3.82 2.81 2.08 1.62
3.03 6.81
10.19 7.28 5.39 4.65 9.17 10.03
2.35 2.54
9.95
9.88
2.57
2.50
7.49
7.38
7.38
Cash Profit to avg. loan assets
8.18
8.09
8.22
6.44
6.51
4.65 3.54 3.40 6.92 7.59
7.47
7.46
*Under IND-AS
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