Investor Presentaiton
Ⓡ
PROFITABILITY RATIOS
Yearly
(Based on Average
Loan Assets)
Interest income to avg.
loan assets
(%)
Mar-21 Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Mar-14 Mar-13
Muthoot Finance
Quarterly
(%)
Q2 FY Q2 FY Q1 FY: H1 FY H1 FY
2022 2021* 2022* 2022*2021*
22.21 21.43 19.72 19.30 20.27 21.66 20.73 22.71 20.40 20.48 22.27
22.17 23.03 21.63
Interest expense to avg.
loan assets
7.93 7.51 7.16
6.92
8.69 9.25
9.52 10.84 11.38 7.27
8.37
7.47 7.34 8.29
Net Interest Margin
Other income to avg. loan
assets
14.24 15.52 14.47
15.29
12.74 10.47 9.78 9.42 10.27 13.46 14.34 12.93 13.15 :13.98
0.53 0.43 0.40
0.47 0.35 0.25 0.25 0.16 0.09 0.31 0.71 0.24 0.27 0.68
14.77 15.95
14.87
15.76
13.09 10.72 10.03 9.59 10.37 13.76 15.04 13.17 13.42 14.66
Net Income Including
Other Income
Selling, general and
administrative expenses to 3.72
4.68
4.81 5.32 4.56
4.43 4.84 4.28 3.72 3.17 3.98 2.95 3.05 3.71
avg. loan assets
Provisions and write offs
0.20
0.26
0.08
0.11 1.07
0.67
0.17
0.18 0.36 0.55 0.10
0.26 0.40 0.12
to avg. loan assets
PBDT to avg. loan assets
10.85 11.01
9.98
10.33 7.45
5.62 5.02 5.12 6.28 10.04 10.96
9.97 9.96 10.83
Depreciation to avg. loan
assets
0.10
0.11
0.12
0.15 0.17
0.23
PBT to avg. loan assets
10.75 10.90
9.85
Tax to avg. loan assets
2.76 2.79
3.54
3.82
PAT to avg. loan assets
7.99
8.11
6.31
6.36
0.37 0.20 0.18
10.19 7.28 5.39 4.65 4.93 6.10
2.81 2.08 1.62 1.71 2.05
4.47 3.32 3.03 3.22 4.05
0.09 0.09 0.08 0.09 0.09
9.95 10.87 9.88 9.88 10.74
2.57 2.77 2.50 2.52 2.73
7.38 8.10 7.38 7.35 8.01
Cash Profit to avg. loan
8.09
8.22
6.44
6.51 4.65
3.54 3.40 3.42 4.24
7.47
8.19
7.46 7.44 8.11
assets
*Under IND-AS
45View entire presentation