Financial Performance FY 2022

Ⓡ PROFITABILITY RATIOS Yearly Muthoot Finance (%) Quarterly (%) (Based on Income) Mar-22* Mar-21* Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Q4 FY Q3 FY 2022* Q2 FY Q1 FY 2022* 2022* 2022* Interest expense to Gross Income 34.56 34.92 32.00 32.51 30.50 39.92 46.31 48.71 34.38 33.20 34.57 36.18 Selling, general and administrative expenses to Net Income 24.40 25.13 29.26 32.24 28.93 34.88 41.36 48.26 29.58 22.83 23.03 22.37 Provisions & Write Offs to 1.75 1.38 1.61 0.59 5.44 8.16 6.20 1.67 (3.98) 4.64 4.02 1.94 Net Income Operational expenses to 26.15 26.51 30.87 32.84 34.38 43.03 47.56 49.93 25.60 27.46 27.04 24.31 Net Income OPBDT/Net Income 73.85 73.49 69.13 67.16 65.62 56.97 52.44 50.06 74.40 72.54 72.95 75.69 Depreciation to Net Income 0.74 0.74 0.73 0.90 1.00 1.33 2.13 3.72 0.90 0.73 0.69 0.66 OPBT/Net Income 73.11 72.75 68.40 66.26 64.63 55.63 50.31 46.34 73.50 71.81 72.27 75.03 PBT/Net Income 73.11 72.75 68.40 66.26 64.63 55.63 50.31 46.34 73.50 71.81 72.27 75.03 PAT Net Income 54.45 54.09 50.88 42.47 40.38 34.17 30.93 30.23 54.64 53.63 53.61 56.05 *Under IND-AS 45

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