VOL XVII / ISSUE #3 / SEPTEMBER 12for private circulation only

From the Chairman’s Desk

The Rhythm of Growth is the music at Muthoot It is our strong belief that perseverance is undoubtedly the key to facing challenges in times of momentous change. At the Muthoot Group, we have chiseled out our mission of growth. Over the years, the trust that we have generated, the confidence that people have in us and the unwavering commitment that we have to our principles, have become our greatest treasures. Needless to say, it is only by working tirelessly with courage that, every member of the Muthoot Group has contributed to the vibrant surge that the Group has repeatedly portrayed time and again.Donning the armour of vigorous determination and earnestly living the principles based on traditional values, the organisation has come a long way in proving its might. With great humility I would like to put forth that, with the grace of the Lord Almighty, the results of Quarter 01 of FY 2013 have been extremely rewarding. The total

income has grown by 41% to stand at ` 1294 crore. Profit After Tax (PAT) in this period has been ` 246 crore as against ` 190 crore last year, a YoY increase of 29%. However, our workings are not just directed at profits, we have initiated specific Corporate Social Responsibility [CSR ] activities too. The footprint of our branch network has significantly increased to touch nearly 4000 across 25 states and 4 union territories. The company is committed to all the stakeholders and will continue the business in public interest maintaining highest governance standards.Now, on our journey towards the next milestone in growth, we should consciously re-look at our working and attempt to further improve the quality of service. This is something that we should never forget. Our customers have great expectations from us and have entrusted us with a responsibility that goes beyond single transactions. Together, let us bridge the gaps and build strong relationships with our customers. This is possible only when we empower them in their businesses by fulfilling their requirements. Of course, as leaders in business and society, we should never forget our values and our unique corporate culture.I believe that we can shape the future by working hard in the present. This definitely is in our hands.So, let us pledge to create great customer experience!

ChairmanM.G. George Muthoot

15th Annual General Meeting of Muthoot Finance Ltd. was held on 1 September 2012 at Fine Arts Hall, Ernakulam. (L-R): Justice K. John Mathew, Mr. George Thomas Muthoot, Mr. P. George Varghese, Mr. George Alexander Muthoot, Mr. M.G. George Muthoot, Mr. K.P. Padmakumar, Mr. George Joseph, Mr. George Jacob Muthoot and Mr. John K Paul.

15th Annual General Meeting

H i gh mas t l i g h t i n g s y s t em & beautification of traffic island in the accident prone Ramanattukara By-pass junction, Calicut is being sponsored by The Muthoot Group. Mr. George Alexander Muthoot, Managing Director presented the lighting system to the Ramnattukara Panchayath.

As a CSR initiative of Muthoot Group, a Solar Water Heater & Water Purifying System was donated to Govt. School, Kozhencherry. Dr. Georgie Kurian Muthoot, Executive Director, Muthoot Health Care Division inaugurated the facility. Mr. George M George (Executive Director, The Muthoot Group), Mr. Babu John Malayil (AGM - Corporate Communications, The Muthoot Group) were also present on this occasion.

Mr. M.G. George Muthoot, (Chairman, The Muthoot Group) inaugurated the new building of Snehatheeran Charitable Trust, one of the CSR projects of Muthoot Finance.

Muthoot M George Excellence award 2012

As a part of CSR initiative, Muthoot Finance Ltd. distributed rain coats to City Traffic police, Kochi. Mr. George Alexander Muthoot, Managing Director, Muthoot Finance Ltd. handed over the Rain Coat to Mr. K Padmakumar IPS, Inspector General of

Police, Ernakulam range today at a function held at the Traffic Awareness Centre provided by Muthoot Finance to Traffic police for conducting training for Traffic offenders. Mr. Muhammed Rafique V.M., Asst. Commissioner of Police, Traffic West, Kochi City, Mr. Gopalakrishna Pillai, DCP L&O & Traffic, were present on this occasion.

Mr. George Alexander Muthoot, Managing Director, The Muthoot Group distributed Muthoot M George Excellence Awards to 9 students at Infant Jesus Anglo Indian Higher Secondary School Tangassery.

Under the auspices of Muthoot M George Foundation, The Muthoot Group distributed Muthoot M George Excellence award to the 10th standard topers of 51 Government Schools in Calicut & Trichur Educational Districts.

Dr. Georgie Kurien Muthoot, Executive Director, Muthoot Health Care Division distributed Muthoot M George Excellence Awards to 4 students at St. Thomas College Kozhencherry.

(L-R): Mr. Adeeb Ahamed (CEO, LuLu International Exchange), Mr. K.R. Bijimon (Chief General Manager, The Muthoot Group), Mr. M.G. George Muthoot (Chairman, The Muthoot Group), Mr. M.A. Yousaf Ali (Chairman, EMKAY Group of Companies), Mr. Jose Zacharias (Head-UAE Operations, The Muthoot Group) and Mr. Sharoon Shamsuddin (CEO, ISYX Technologies, Dubai).

Business Meet at Dubai

Muthoot Finance Ltd. sponsored the record breaking unique and thrilling 4,000km solo drive expedition “Record Drive” of a passionate traveler, Mr. Suresh Joseph for Limca Record by eclipsing the existing record of 149 hours and 25 minutes. He has completed this unique and thrilling 3848kms solo drive from Leh to Kanyakumari, covering 11 states, the National Capital and the Union Territory of Chandigarh, with certification in 32 destinations, in a record time of 99 hours 30 minutes. The record drive was flagged off by Mr. K.P Padmakumar,Executive Director, The Muthoot Group in the presence of Mr. K.R. Bijimon (Chief General Manager), Mr.C.V John (General Manager), & Mr. Cherian Peter (Chief Marketing Officer).

Muthoot Finance Sponsor “Record Drive”A Passionate Traveler’s Road Expedition bid for Limca Book of Records

Mr. George M George, Executive Director, The Muthoot Group flagging off the customer awareness road show conducted by Muthoot Finance Ltd. in association with Western Union . Mr. George M Jacob, Director, Mr. Cherian Peter, Chief Marketing Officer, Mr. Jose Allesh, Head- Money Transfer Division, Mr. Jayachandran, Area Manager, Paul Merchants Ltd, were present on this occasion.

Muthoot Finance Directors announcing the Q1 result for the year 2012- 2013. (L-R): Mr. K.P Padmakumar, Executive Director, Mr. Oommen K Mammen, CFO, Mr. George Jacob Muthoot, Jt. Managing Director, Mr. George Alexander Muthoot, Managing Director, Mr. M.G George Muthoot, Chairman, Mr. George Thomas Muthoot, Jt. Managing Director, Justice K. John Mathew, Director, Mr. George Joseph, Director, Mr. P. George Varghese, Director

a) Retail Loan Assets under Management ` 23336 crores (YoY increase of 30%)

b) Profit after tax ` 246 crores (YoY increase of 29%)

c) Earnings per share ` 6.62 (YoY increase of 23%)

d) Income from Operations ` 1294 crores (YoY increase of 41%)

Road Show Campaign

Q1 Result 2012-2013

Certificate of Excellence

In view of our continuous & committed efforts at providing authentic Kerala Hospitality at the highest standards and creative conservation, our Houseboat Division – River Escapes received ‘Certificate of Excellence’ from Trip Advisor for the year 2012.

Onam Celebration at Corporate Office North

Mr. George Jacob Muthoot, Jt. Managing Director, The Muthoot Group distributed the prizes(Gold Coin with the image of Lord Sree Padmanabha) to the winners of the contest organised by Muthoot Precious Metals Corporation among the viewers of the Sponsored serial “Sree Padmanabham” in Amrita TV Channel. Mr. John M Andrews, Sr. Regional Manager, Trivandrum South and Mr. Udayanandan Nair M, Regional Manager, Trivandrum North were present on this occasion.

Mr. M.G.George Muthoot (Chairman, Muthoot Group) gifted car keys of Hyundai Eon to Ms. Raj Saxena, winner of the lucky draw hosted by Muthoot Precious Metal Corporation (MPMC).

Delhi

Ahmedabad

NCD Brokers MeetLucky Draw Contest

Mumbai

Trivandrum, Kerala.

Gudivada, Andhra Pradesh.

Muthoot Securities Ltd. Conducted Investor Awareness Programs at

‘Pookalam’ competition conducted at Corporate Office, Cochin.

Muthoot Group Director, Mr. George M Jacob honoured Mr. Unmukt Chand, Captain of the U-19 World Cup Team by handing over the Delhi Daredevils branded Gold Coin, at a function held at “The Park”, Bangalore on U-19 World Cup Victory. (L-R) Mr. Cherian Peter (Chief Marketing Officer, The Muthoot Group), Mr. C.T. Zachariah, Mr. George M Jacob (Director, The Muthoot Group), Mr. Unmukt Chand (Capt. U-19 World Cup Team), Mr. Phaneendra P (GM-Sales & Marketing, GMR Sports), Mr. O.T. Mathunni (Sr. RM, Bangalore South, Muthoot Finance Ltd.)

Muthoot Finance honoured Mr. Unmukt Chand on U-19 World Cup Victory

Onam Celebration

Delhi Chief Minister Sheila Dikshit presented Dr. Sara George Muthoot (Principal, St. George’s School) with State Teacher’s Award-2012 for her exemplary contribution in the field of education on Teacher’s Day at Thyagaraj Sports Complex, New Delhi. The award was conferred by The Directorate of Education, Government of NCT Delhi.

Dr. Sara George Muthoot (Principal, St. George’s School) was felicitated with ‘Rajiv Gandhi Excellence Award-2012’ for her Services, Personal Achievements and Outstanding Contribution to the society. The award conferred by the India International Friendship Society (IIFS) was presented by a galaxy of eminent personalities including Dr.G.V.G.Krishnamurthy (former Chief Election Commissioner),

Shri Bhisma Narain Singh (former Governor of Tamil Nadu), Shri Sayyed S. Razi (former Governor of Jharkhand), Sardar Joginder Singh (former CBI Director) and Shri Gurmeet Singh (Director, IIFS) at a glittering function at the India International Centre, New Delhi.

St. George’s hosted its investiture ceremony for the academic year 2012-13. Present on the occasion were Mr. M.G. George Muthoot (Chairman, The Muthoot Group), Dr. Sara George Muthoot (Principal, St. George’s School), Mrs. Mihika Mathew Alexander (VP-Operations, St. George’s School), students, teachers and parents.

Mr.A lexander George Muthoot, Director, The Muthoot Group inaugurated the ATM machine i n s t a l l e d a t the Corporate Office.

Final auditing of the certification of National Accreditation Board of Hospital & Health Care Providers (NABH) under the council of QCI (Quality Council of India) was done in MMC, Kozhencherry. Dr.Georgie Kurien Muthoot, Executive Director, Muthoot Healthcare Division and the Muthoot team along with NABH assessment team.

MMC Pathanamthitta in association with Indian Medical Association organised a CME GI TRACT MALIGNANCIES Seminar at MGM Medical Centre, Pathanamthitta.

State Teacher’s Award

Rajiv Gandhi Excellence Award

Investiture Ceremony

Medical Seminar

NABH Certification

ATM Machine at Corporate Office North

Heart Care Foundation conducted CPR (Cardio Pulmonary Resuscitation) training for Muthoot Group staff at Staff Training College, Kadavanthara. Dr. Jacob Abraham conducted the session.

Training session for Health Care

Core Banking System (CBS) Training was conducted at CBS Labs at STC Tughlakabad and Regional Office Delhi.

Training session for Core Banking

• Financial Services • Hospitality • Real Estate • Education • Healthcare • IT • Media • Forex • Money Transfer • Wealth Management • Precious Metals • Power Generation • Travel Services • Securities Trading • Commodities & Currency Trading • Plantations • Vehicle & Assets Finance Ltd.

Call free from BSNL Landline: 1800 425 1887. Customer Care Cell: 98470 91119.Tel: 0484 2396478, 2394712.Fax: 0484 2396506.e-mail: mails@muthootgroup.comwww.muthootgroup.com

Compiled & Published by The Muthoot Group (A Muthoot M George Enterprise), for private circulation. Corporate Office: Muthoot Chambers, Opp. Saritha Theatre Complex, Banerji Road, Kochi - 682 018, Kerala, India. English

The Trivandrum Chamber of Commerce and Industry conferred our Jt. Managing Director, Shri. George Jacob Muthoot with ‘The Business Excellence Award – 2012’. The award was presented by Shri. P.K. Kunhalikutty, Minister for Industries, Information Technology and Urban Affairs, Kerala amid a gathering of eminent dignitaries.

Fixed Income Gold Bond (w.e.f: 3.9.2012)

Monthly Interest SchemePeriod General Special Category*

12 months & 1 day 11.00% 11.50%

18 months 12.00% 12.50 %

24 months 12.00% 12.50%30 months 12.00% 12.50%36 months 12.00% 12.50%

60 months 11.50% 12.00%Annual Interest Scheme

Period General Special Category*12 months &

1 day 11.50% 12.00%

18 months 12.50% 13.00%

24 months 12.50% 13.00%

30 months 12.50% 13.00%

36 months 12.50% 13.00%

60 months 12.00% 12.50%

Multiplier Bond (w.e.f: 3.9.2012

PeriodGeneral Special Category*

Maturity value

Effective Yield (p.a.)

Maturity value

Effective Yield (p.a.)

36 months 1426 14.20 1447 14.90

60 months 1762 15.24 1806 16.12* Interest rate for Special Category is applicable to (a) Senior Citizens, (b) State /Central Government Pensioners, (c) Ex- Servicemen and their widows, (d) Central / State Award Winners and (e) Single investment of Rs.25 lakhs and above.

Muthoot Doubling Bond (w.e.f: 3.9.2012)*

PeriodMaturity value of

` 1000Effective Yield

(p.a.)

66 months 2000 18.19%

INTEREST RATES OF GOLD BONDS

*Minimum investment ` 25,000/-

Business Excellence Award 2012

Muthoot Group Apps(Exclusively for Apple and Andriod phones and tablets, the apps will facilitate everyone with purchasing of gold and silver coins via mobile; excellent investment tips; easy monitoring of investments, profits, shares and bullion rates; instant booking for travel and tour packages; instant feedback/response to queries; nearest Muthoot Finance branch locater and access to contact details of senior officials).In addition, we have also launched our social pages whose approach too would be similar to the Muthoot Group apps. They are:

Muthoot Group enters the digital bandwagon

The social pages runs varied contests for the masses where in people can win freebies including Delhi Daredevils T-shirts,caps,autographed bats,mementos among others.