Financial Performance FY 2022

Ⓡ Muthoot Homefin Muthoot Finance Business Performance Particulars Disbursement (R) (in millions) FY 2022 FY 2021 1,341 1,010 Borrowings () 7,643 11,786 Debt Equity Ratio (%) 1.71 2.68 Yield on Advances (%) 12.41 12.51 Interest Spread (%) 4.11 3.41 NIM (%) 6.16 5.13 Cost to Income Ratio (%) 56.76 42.16 Return on Assets (ROA) (%) 0.65 0.75 Return on Equity (ROE) (%) 1.91 2.92 Stage III Loan Assets 309 681 % Stage III assets on Gross Loan Assets (AUM) 2.10 4.00 Stage III ECL Provision 178 207 ECL Provision 257 261 ECL Provision as a % of Gross Loan Assets (AUM) 1.75 1.53 Number of Customers 21,035 22,765 62

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