Investor Presentaiton

Ⓡ Muthoot Homefin Muthoot Finance Business Performance (in millions) Particulars Q1 FY 2022 Q4 FY 2021 Q1 FY 2021 FY 2021 Disbursement (R) 557 155 613 1,010 Borrowings () 10,531 11,846 14,712 11,846 Debt Equity Ratio (%) 2.4 2.7 3.44 2.7 Yield on Advances (%) 12.26 12.64 13.04 12.51 Interest Spread (%) 3.83 3.83 3.64 3.41 NIM (%) 5.50 5.79 5.52 5.13 Cost to Income Ratio (%) 47.50 54.72 43.47 42.16 Return on Assets (ROA) (%) 0.14 1.28 0.09 0.75 Return on Equity (ROE) (%) 0.43 4.63 0.38 2.92 Stage III Loan Assets 1,012 681 337 681 % Stage III assets on Gross Loan Assets 5.94 4.00 1.70 4.00 (AUM) Stage III ECL Provision 309 207 241 207 ECL Provision 361 261 309 261 ECL Provision as a % of Gross Loan 2.12 1.53 1.56 1.53 Assets (AUM) Number of Customers 22,421 22,765 24,088 22,765 61

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