Muthoot Finance Business Overview

Ⓡ Muthoot Homefin Muthoot Finance Business Performance (in millions) Particulars Q1 FY 2024 Q4 FY 2023 Q1 FY 2023 FY 2023 Disbursement (*) 1,094 848 661 2,235 Borrowings (*) 8,191 6,602 7,820 6,602 Debt Equity Ratio (%) 1.77 1.44 1.74 1.44 Yield on Advances (%) 13.34 12.79 12.58 12.70 Interest Spread (%) 4.63 4.69 4.42 4.32 NIM (%) 7.65 7.42 6.56 7.04 Cost to Income Ratio (%) 49.13 54.90 51.15 52.85 Return on Assets (ROA) (%) 1.71 0.99 0.55 1.00 Return on Equity (ROE) (%) 4.12 2.30 1.29 2.30 Stage III Loan Assets 462 436 380 436 % Stage III assets on Gross Loan Assets 3.97 4.01 3.52 4.01 Stage III ECL Provision 325 289 235 289 ECL Provision 395 358 308 358 ECL Provision as a % of Gross Loan 3.39 3.29 2.86 3.29 Assets Number of Customers 21,608 21,223 20,798 21,223 72

View entire presentation