Muthoot Finance Business Overview

Ⓡ Financial Highlights • • • . • Muthoot Homefin Muthoot Finance Disbursements of INR 1094 mm in Q1 FY 2024: AUM INR 15007 mm as on June 30, 2023: Loan Book INR 11641 mm as on June 30, 2023: Average Ticket Size in Q1 FY 2024: INR 0.93 mm Business Presence: Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, Kerala, Andhra Pradesh, Telangana, Karnataka, Uttar Pradesh, Haryana, Chandigarh, Delhi, Punjab, Tamil Nadu, Chattisgarh and Pondicherry Presence in 111 locations ROA 1.71% for Q1 FY 2024:; ROE 4.12% for Q1 FY 2024: Average cost of borrowings 8.71% for Q1 FY 2024. Capital Adequacy Ratio: 52.34%, Debt Equity Ratio: 1.77 Growth Drivers Profitability Opportunities • • Average Yield 13.34%, Interest Spread: 4.63% • Received PMAY subsidy of INR 5.80 mm in Q1 FY 2024. Increasing the leverage from 1.77 times currently will help to improve the ROE Higher credit rating will help in raising funds at competitive rates. Strong liquidity in Group's balance sheet, along with its free cash flows to fund the capital requirements Established corporate brand name among borrower segment, superior customer servicing capabilities and effective loan recovery mechanisms Tier II/III cities focused distribution network with a in-house sales team along with cross-sale to the existing gold loans customers of the group Long Term Rating from CRISIL AA+/Stable which indicates low risk will help in lower cost of funds. Short Term Rating: ICRA A1+ CARE A1+ Debt/Equity ratio at 1.77 times as on June 30, 2023, indicates ample scope for financial leverage to increase ROE Infrastructure sharing with the parent (Muthoot Finance) helps reduce overall Opex • • Huge shortfall for housing units in EWS / LIG segment in India Attraction of builders to the construction of affordable housing due to Infrastructure status given in Union Budget Increase in affordability driven by sustained GDP growth rate and stable property prices. Decrease in average members per household and emergence of nuclear families Increase in workforce to be driven by expected bulge in working age population Increasing urbanization led by rural-urban migration and reclassification of rural towns 73

View entire presentation