Muthoot Finance H1 FY 2024 Financial Performance

IMPAIRMENT OF LOAN ASSETS Stage III Loans Assets and ECL Provision Pa Muthoot Finance (in millions) Sep-23 Jun-23 Mar-23 Sep-22 655,302 633,637 599,834 554,108 Stage I Loan Assets Stage II Loan Assets 7,075 13,958 8,278 8,637 Stage III Loan Assets 27,639 28,789 23,986 9,558 % Stage III Assets on Gross Loan Assets 4.01 4.26 3.79 1.67 ECL Provision on Gross Loan Assets 8,532 8,468 7,658 6,426 ECL Provision as % of Gross Loan Assets 1.24 1.25 1.21 1.12 Excess Provision outstanding in books 2,954 2,954 2,954 2,954 Bad Debts (in millions) Q2 FY 2024 Q1 FY 2024 Q2 FY 2023 H1 FY 2024 H1 FY 2023 FY 2023 Bad Debts Written Off 63 47 40 110 93 169 % of Bad Debts written off to Gross Loan Assets 0.01 0.01 0.01 0.02 0.02 0.03 46

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