Investor Presentaiton

Ⓡ Muthoot Homefin Muthoot Finance Business Performance Particulars (in millions) Q1 FY 2023 Q4 FY 2022 Q1 FY 2022 FY 2022 Disbursement (R) 661 388 557 1,341 Borrowings () 7,820 7,643 10,531 7,643 Debt Equity Ratio (%) 1.74 1.71 2.40 1.71 Yield on Advances (%) 12.58 12.60 12.26 12.41 Interest Spread (%) 4.42 4.50 3.83 4.11 NIM (%) 6.56 6.66 5.50 6.16 Cost to Income Ratio (%) 51.15 59.95 47.50 56.76 Return on Assets (ROA) (%) 0.55 1.95 0.14 0.65 Return on Equity (ROE) (%) 1.30 5.03 0.43 1.91 Stage III Loan Assets 380 309 1,012 309 % Stage III assets on Gross Loan Assets (AUM) 2.58 2.10 5.94 2.10 Stage III ECL Provision 235 178 309 178 ECL Provision 308 257 361 257 ECL Provision as a % of Gross Loan Assets (AUM) 2.09 1.75 2.12 1.75 Number of Customers 20,798 21,035 22,421 21,035 62

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