Muthoot Finance Credit Ratings & Financial Analysis
Key Financial Parameters
Particulars
Number of branches
Muthoot Money Muthoot Finance
(in millions)
9M FY 2021
9M FY 2020
Q3 FY 2021 Q2 FY 2021 Q1 FY 2021 FY 2020
18
24
18
18
18
24
225
297
225
234
245
304
Number of Employees
Gross Loan AUM (*)
4,210
4,915
4,210
4,633
4,966
5,090
Capital Adequacy Ratio (%)
25
21
25
22
21
20
Total Revenue (*)
541
492
159
185
198
704
Total Expense (*)
508
453
178
138
193
665
Profit Before Tax (7)
32
39
(20)
47
5
39
Profit After Tax (*)
33
43
(15)
73
(25)
27
Stage III Loan Assets
389
122
389
237
180
249
% Stage III assets on Gross Loan Assets
9.24
2.45
9.24
5.12
3.62
4.89
Stage III ECL Provision
100
30
100
62
47
65
ECL Provision
247
94
247
190
192
143
ECL Provision as a % of Gross Loan
5.87
1.88
5.87
4.10
3.87
2.81
Assets
Shareholders Funds (*)
1,095
1,078
1,095
1,110
1,037
1,062
Total Outside Liabilities (*)
3,402
4,086
3,402
3,701
4,161
4,323
Total Assets (7)
4,497
5,164
4,497
4,811
5,198
5,385
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