Financial Results Q1 FY 2021
Ⓡ
PROFITABILITY RATIOS
Yearly
Muthoot Finance
Quarterly
(%)
(Based on Average Loan
Q1 FY
Q1 FY
Mar-20* Mar-19*
Mar-18* Mar-17 Mar-16
Mar-15 Mar-14 Mar-13
Assets)
2021*
2020*
Interest income to avg. loan assets 23.03
21.63
22.21
21.43
19.72 19.30 20.27 21.66
22.35
20.87
Interest expense to avg. loan
assets
7.51
7.16
6.92
8.69
9.25
9.52
10.84 11.38
8.41
7.33
Net Interest Margin
15.52
14.47
15.29
12.74
10.47
9.78
9.42 10.27
13.94
13.54
Other income to avg. loan assets
0.43
0.40
0.47
0.35
0.25
0.25
0.16
0.09
0.67
0.36
Net Income Including Other
15.95
14.87
15.76
13.09
10.72
10.03 9.59
10.37
14.61
13.90
Income
Selling, general and administrative
4.68
4.81
5.32
4.56
4.43
4.84
4.28
3.72
3.51
4.43
expenses to avg. loan assets
Provisions and write offs to avg.
0.26
0.08
0.11
1.07
0.67
0.17
0.18
0.36
0.14
0.04
loan assets
PBDT to avg. loan assets
11.01
9.98
10.33
7.45
5.62
5.02
5.12
6.28
10.96
9.43
Depreciation to avg. loan assets
0.11
0.12
0.15
0.17
0.23
0.37
0.20
0.18
0.10
0.11
PBT to avg. loan assets
10.90 9.85
10.19
7.28
5.39
4.65
4.93
6.10
10.86
9.32
Tax to avg. loan assets
2.79
3.54
3.82
2.81
2.08
1.62
1.71
2.05
2.75
3.27
PAT to avg. loan assets
8.11
6.31
6.36
4.47
3.32
3.03
3.22
4.05
8.11
6.05
Cash Profit to avg. loan assets
8.22
6.44
6.51
4.65
3.54
3.40
3.42
4.24
8.21
6.16
41
*Under IND-ASView entire presentation