Gold Loan Portfolio Analysis

LIABILITY MIX Maintaining a diversified funding profile* (%) 15 2 2 55 25 25 *Principal amount of Borrowings (As of June 30, 2022) Ⓡ Muthoot Finance Secured Non-Convertible Debentures (Muthoot Gold Bonds) - 1,945 mn (0%) Secured Non-Convertible Debentures - Listed - 122,542 mn (27%) - Borrowings from Banks/Fis 233,483 mn (51%) External Commercial Borrowings- Senior secured Notes - 78,973 mn (17%) ■Subordinated Debt - 30 mn (0%) ■Subordinated Debt - Listed - 1,431 mn (0%) Commercial Paper - 0 mn (0%) Other Loans - 15,893 mn (3%) 38

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