Gold Loan Portfolio Analysis

Key Financial Parameters Pa Muthoot Finance (in millions) Particulars Q1 FY 2023 Q4 FY 2022 Q1 FY 2022 FY 2022 Number of Branches 755 729 651 729 Number of Employees 6,596 5,939 4,651 5,939 Gross Loan AUM (*) 46,964 43,658 30,721 43,658 Capital Adequacy Ratio (%) 25 24 23 24 Total Revenue (*) 2,102 2,417 1,516 7,284 Total Expense (*) 1,930 2,044 1,496 6,723 Profit Before Tax (*) 172 373 20 561 Profit After Tax (*) 138 293 20 451 Stage III Loan Assets 3,441 2,502 1,126 2,502 % Stage III assets on Gross Loan Assets (AUM) 7.33 5.73 3.67 5.73 Stage III ECL Provision 2,288 1,682 742 1,682 ECL Provision 2,551 2,238 1,273 2,238 ECL Provision as a % of Gross Loan Assets (AUM) 5.43 5.13 4.14 5.13 Shareholders Funds (*) 9,784 8,559 5,431 8,559 Total Outside Liabilities (*) 36,594 37,044 25,832 37,044 Total Assets (₹) 46,378 45,603 31,263 45,603 69 69

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