Muthoot Finance Ltd.

Financial

	Muthoot Finance	SBI Cards AndPayment	REC
Operational Metrics
Banking Sector
Net Interest Margin	11.6 %	10.6 %	3.66 %
Yield On Advances	18.62 %	n/a	n/a
NBFC
Gross NPA	4.2 %	n/a	1.95 %
Net NPA	3.7 %	1.18 %	0.74 %
Cost To Income Ratio	26.0 %	53.5 %	n/a
Cost of Borrowing	8.7 %	7.4 %	7.18 %
AUM - NBFC	111308.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	25.11 %	22.9 %	25.33 %
Tier I Capital	24.37 %	17.0 %	22.95 %
Gold Kept As Security	202.0 Tonnes	n/a	n/a
Unclassified
LTV -Gold Loan	66.0 %	n/a	n/a
Advertisement Spend as a % of Total Sales	0.97 %	n/a	n/a
Financials
5 yr Average ROE	21.25 %	20.54 %	18.47 %
5yr average Equity Multiplier	4.13	4.55	8.58
5yr Average Asset Turnover Ratio	0.16	0.32	0.09
5yr Avg Net Profit Margin	31.48 %	13.97 %	24.76 %
5yr Avg Net Profit Margin	31.48 %	13.97 %	24.76 %
5yr CAGR Net Profit	6.62 %	14.11 %	23.26 %
5yr CAGR Sales	9.31 %	12.38 %	10.27 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.14	6.13	1.41
P/E	17.67	39.25	6.63
Shareholdings
Promoter Holding	73.35 %	68.6 %	52.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.02 %	-0.87 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.21 %	2.22 %	-1.3 %

Business

	Muthoot Finance	SBI Cards AndPayment	REC
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.01 Service Charges 1.59 Sale of Services 0.04 Dividend Income 0 Instance based & other 0 Spend based 0 Subscription based 0 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Others 1.36	Product Wise Break-Up Sale of Services 0 Instance based & other 19.0 Fees and Commission Income 0 Dividend Income 0 Spend based 22.0 Service Charges 0 Subscription 7.0 Net gain/ (loss) on fair value changes 0 Interest Income 52.0 0	Product Wise Break-Up Sale of Services 0 Instance based & other 0 Fees and Commission Income 0 Dividend Income 0 Spend based 0 Service Charges 0 Subscription based 0 Net gain/ (loss) on fair value changes 2.21 Interest Income 97.79 0
Loan Break-Up	Loan Break-Up Gold Loan 85.69 Small & Medium Enterprises (SME) loans 9.14 Home loans 2.32 Auto loans 2.15 Personal Loan 0 Non-Housing Loan 0 Infrastructure 0 Transmission & Distribution 0 Short Term Loan 0 Distribution 0 Transmission 0 Renewable Energy 0 Generation 0 Others 0.7	-	Loan Break-Up Gold Loan 0 Personal Loan 0 Auto loans 0 Non-Housing Loan 0 Distribution 38.0 Home loans 0 Renewable Energy 27.0 Infrastructure 0 Small & Medium Enterprises (SME) loans 0 Loan From Banks 3.0 Transmission & Distribution 0 Generation 24.0 transmission 8.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Tier 3 0 Tier 2 0 Tier 1 0	Location Wise Break-Up Tier I 36.0 Tier Ii 22.0 India 0 Tier Iii 25.0 Others 17.0	Location Wise Break-Up Tier 1 0 Tier 2 0 India 100.0 Tier 3 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 57.18 Secured Non-Convertible Debentures 27.24 Commercial Papers 5.93 Subordinated Debt 0.07 External Commercial Borrowings 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 Term Loans 0 Debentures 0 Commercial Papers 0 Bank Lines 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0 Others 9.58	Borrowings Break-Up Pass through certificates payable 0 Foreign Currency Borrowings 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Loan From Banks 65.0 Tax Free Bonds 0 Loans from related party 0 Loan from Financial Institutions 0 Securitised Loans 0 Overdraft against Deposite 0 Term Loans 19.0 Debenture 16.0 Commercial Papers 0 External Commercial Borrowings 0 Infra Bonds 0 Cash Credit/ Short term loan 0 0 Term Loan from Bank 0 Secured Non-Convertible Debentures 0 Loan From Banks 0 Subordinated Debt 0 Banks , Fis , Govt. & etc. 0	Borrowings Break-Up Pass through certificates payable 0 Foreign Currency Borrowings 24.0 Capital Gain Bonds 9.0 Loans 7.0 Bank Lines 0 Tax Free Bonds 2.0 Loans from related party 0 Loan from Financial Institutions 0 Securitised Loans 0 Overdraft against Deposite 0 Term Loans 0 Debentures 0 Commercial Papers 0 External Commercial Borrowings 0 Infra Bonds 0 Cash Credit/ Short term loan 0 Institutional , Subordinate & Zero Coupon Bonds 43.0 Term Loan from Bank 0 Secured Non-Convertible Debentures 0 Loan From Banks 0 Subordinated Debt 0 Banking 15.0
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 100.0 Borrowings outside India 0	-	-

Muthoot Finance Ltd.

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