September Issue Newsletter - Muthoot Group

From the Chairman’s DeskVOL XVII / ISSUE #3 / SEPTEMBER 12for private circulation onlyThe Rhythm of Growth is the music at MuthootIt is our strong belief that perseverance is undoubtedly the key to facing challengesin times of momentous change. At the Muthoot Group, we have chiseled out ourmission of growth. Over the years, the trust that we have generated, the confidencethat 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 tirelesslywith courage that, every member of the Muthoot Group has contributed to the vibrantsurge that the Group has repeatedly portrayed time and again.Donning the armour ofvigorous 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 totalincome has grown by 41% to stand at ` 1294 crore. Profit After Tax (PAT) in this period has been ` 246crore as against ` 190 crore last year, a YoY increase of 29%. However, our workings are not just directedat profits, we have initiated specific Corporate Social Responsibility [CSR ] activities too. The footprint of ourbranch network has significantly increased to touch nearly 4000 across 25 states and 4 union territories. Thecompany is committed to all the stakeholders and will continue the business in public interest maintaininghighest governance standards.Now, on our journey towards the next milestone in growth, we should consciously re-look at our working andattempt to further improve the quality of service. This is something that we should never forget. Our customershave 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 weempower 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 Muthoot15 th Annual General Meeting15 th 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.

Muthoot M GeorgeExcellence award 2012Mr. George Alexander Muthoot, ManagingDirector, The Muthoot Group distributedMuthoot M George Excellence Awards to9 students at Infant Jesus Anglo IndianHigher Secondary School Tangassery.As a part of CSRinitiative, MuthootFinance Ltd.distributed rain coatsto City Traffic police,Kochi. Mr. GeorgeAlexander Muthoot,Managing Director,Muthoot FinanceLtd. handed over theRain Coat to Mr. KPadmakumar IPS,Inspector General ofPolice, Ernakulam range today at a function held at the Traffic Awareness Centreprovided by Muthoot Finance to Traffic police for conducting training for Trafficoffenders. Mr. Muhammed Rafique V.M., Asst. Commissioner of Police, TrafficWest, Kochi City, Mr. Gopalakrishna Pillai, DCP L&O & Traffic, were present onthis occasion.Mr. M.G. George Muthoot,(Chairman, The MuthootGroup) inaugurated the newbuilding of SnehatheeranCharitable Trust, one of theCSR projects of MuthootFinance.Dr. Georgie Kurien Muthoot, ExecutiveDirector, Muthoot Health Care Divisiondistributed Muthoot M George ExcellenceAwards to 4 students at St. ThomasCollege Kozhencherry.As a CSR initiative of Muthoot Group,a Solar Water Heater & Water PurifyingSystem was donated to Govt. School,Kozhencherry. Dr. Georgie KurianMuthoot, Executive Director, MuthootHealth Care Division inaugurated thefacility. Mr. George M George (ExecutiveDirector, The Muthoot Group), Mr.Babu John Malayil (AGM - CorporateCommunications, The Muthoot Group)were also present on this occasion.Business Meet at DubaiHigh mast lighting system &beautification of traffic island in theaccident prone Ramanattukara By-passjunction, Calicut is being sponsoredby The Muthoot Group. Mr. GeorgeAlexander Muthoot, Managing Directorpresented the lighting system to theRamnattukara Panchayath.Under the auspices of Muthoot MGeorge Foundation, The Muthoot Groupdistributed Muthoot M George Excellenceaward to the 10th standard topers of 51Government Schools in Calicut & TrichurEducational Districts.(L-R): Mr. Adeeb Ahamed (CEO, LuLu International Exchange), Mr. K.R. Bijimon (ChiefGeneral Manager, The Muthoot Group), Mr. M.G. George Muthoot (Chairman, TheMuthoot Group), Mr. M.A. Yousaf Ali (Chairman, EMKAY Group of Companies), Mr. JoseZacharias (Head-UAE Operations, The Muthoot Group) and Mr. Sharoon Shamsuddin(CEO, ISYX Technologies, Dubai).

Muthoot Finance Sponsor “Record Drive”A Passionate Traveler’s Road Expedition bid for Limca Book of RecordsCertificate of ExcellenceMuthoot Finance Ltd. sponsored the record breaking uniqueand thrilling 4,000km solo drive expedition “Record Drive” ofa passionate traveler, Mr. Suresh Joseph for Limca Record byeclipsing the existing record of 149 hours and 25 minutes. Hehas completed this unique and thrilling 3848kms solo drive fromLeh to Kanyakumari, covering 11 states, the National Capitaland the Union Territory of Chandigarh, with certification in32 destinations, in a record time of 99 hours 30 minutes. Therecord drive was flagged off by Mr. K.P Padmakumar,ExecutiveDirector, 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).Road Show CampaignIn view of our continuous & committed efforts at providingauthentic Kerala Hospitality at the highest standards and creativeconservation, our Houseboat Division – River Escapes received‘Certificate of Excellence’ from Trip Advisor for the year 2012.Q1 Result 2012-2013Mr. George M George, Executive Director, The Muthoot Groupflagging off the customer awareness road show conducted byMuthoot Finance Ltd. in association with Western Union . Mr.George M Jacob, Director, Mr. Cherian Peter, Chief MarketingOfficer, Mr. Jose Allesh, Head- Money Transfer Division, Mr.Jayachandran, Area Manager, Paul Merchants Ltd, were presenton this occasion.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%)Muthoot Finance Directorsannouncing the Q1 resultfor 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.GGeorge Muthoot, Chairman,Mr. George Thomas Muthoot,Jt. Managing Director,Justice K. John Mathew,Director, Mr. George Joseph,Director, Mr. P. GeorgeVarghese, Director

Lucky Draw ContestNCD Brokers MeetAhmedabadMr. George Jacob Muthoot, Jt. Managing Director, The Muthoot Groupdistributed the prizes(Gold Coin with the image of Lord Sree Padmanabha) tothe winners of the contest organised by Muthoot Precious Metals Corporationamong the viewers of the Sponsored serial “Sree Padmanabham” in Amrita TVChannel. Mr. John M Andrews, Sr. Regional Manager, Trivandrum South andMr. Udayanandan Nair M, Regional Manager, Trivandrum North were presenton this occasion.Mr. M.G.GeorgeMuthoot (Chairman,Muthoot Group)gifted car keys ofHyundai Eon toMs. Raj Saxena,winner of the luckydraw hosted byMuthoot PreciousMetal Corporation(MPMC).MumbaiDelhiMuthoot Securities Ltd.Conducted InvestorAwareness Programs atMuthoot Finance honoured Mr. Unmukt Chand onU-19 World Cup VictoryGudivada, Andhra Pradesh.Muthoot Group Director, Mr. George M Jacob honoured Mr. Unmukt Chand, Captainof 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 WorldCup Team), Mr. Phaneendra P (GM-Sales & Marketing, GMR Sports), Mr. O.T. Mathunni(Sr. RM, Bangalore South, Muthoot Finance Ltd.)Onam CelebrationTrivandrum, Kerala.‘Pookalam’ competition conducted at Corporate Office, Cochin.Onam Celebration at CorporateOffice North

ATM Machine at Corporate Office NorthTraining session for Health CareMr.AlexanderGeorge Muthoot,Director, TheMuthoot Groupinaugurated theATM machineinstalled atthe CorporateOffice.State Teacher’s AwardRajiv Gandhi Excellence AwardDelhi Chief Minister SheilaDikshit presented Dr. SaraGeorge Muthoot (Principal,St. George’s School) withState Teacher’s Award-2012 for her exemplarycontribution in the field ofeducation on Teacher’sDay at Thyagaraj SportsComplex, New Delhi.The award was conferredby The Directorate ofEducation, Governmentof NCT Delhi.Dr. Sara George Muthoot(Principal, St. George’s School)was felicitated with ‘RajivGandhi Excellence Award-2012’ for her Services, PersonalAchievements and OutstandingContribution to the society. Theaward conferred by the IndiaInternational Friendship Society(IIFS) was presented by a galaxyof eminent personalities includingDr.G.V.G.Krishnamurthy (formerChief Election Commissioner),Shri Bhisma Narain Singh (former Governor of Tamil Nadu),Shri Sayyed S. Razi (former Governor of Jharkhand), SardarJoginder Singh (former CBI Director) and Shri GurmeetSingh (Director, IIFS) at a glittering function at the IndiaInternational Centre, New Delhi.Investiture CeremonyHeart Care Foundation conducted CPR (Cardio PulmonaryResuscitation) training for Muthoot Group staff at Staff TrainingCollege, Kadavanthara. Dr. Jacob Abraham conducted thesession.Training session for Core BankingCore Banking System (CBS) Training was conducted at CBS Labsat STC Tughlakabad and Regional Office Delhi.NABH CertificationFinal auditing of the certification of National AccreditationBoard of Hospital & Health Care Providers (NABH) underthe council of QCI (Quality Council of India) was done inMMC, Kozhencherry. Dr.Georgie Kurien Muthoot, ExecutiveDirector, Muthoot Healthcare Division and the Muthootteam along with NABH assessment team.Medical SeminarSt. George’s hosted its investiture ceremony for theacademic 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’sSchool), students, teachers and parents.MMC Pathanamthitta in association with Indian MedicalAssociation organised a CME GI TRACT MALIGNANCIESSeminar at MGM Medical Centre, Pathanamthitta.

Muthoot Group enters the digital bandwagonBusiness Excellence Award 2012The Trivandrum Chamber of Commerce and Industry conferredour Jt. Managing Director, Shri. George Jacob Muthoot with ‘TheBusiness Excellence Award – 2012’. The award was presentedby Shri. P.K. Kunhalikutty, Minister for Industries, InformationTechnology and Urban Affairs, Kerala amid a gathering of eminentdignitaries.Muthoot Group Apps(Exclusively for Apple and Andriod phones and tablets,the apps will facilitate everyone with purchasing of goldand silver coins via mobile; excellent investment tips; easymonitoring of investments, profits, shares and bullionrates; instant booking for travel and tour packages; instantfeedback/response to queries; nearest Muthoot Financebranch locater and access to contact details of seniorofficials).In addition, we have also launched our social pages whoseapproach too would be similar to the Muthoot Group apps.They are:The social pages runs varied contests for the masseswhere in people can win freebies including Delhi DaredevilsT-shirts,caps,autographed bats,mementos among others.• 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.interest rates of gold bondsFixed Income Gold Bond (w.e.f: 3.9.2012)Monthly Interest SchemePeriod General Special Category*12 months &1 day11.00% 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 SchemePeriod General Special Category*12 months &1 day11.50% 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%PeriodMultiplier Bond (w.e.f: 3.9.2012MaturityvalueGeneralEffectiveYield (p.a.)Special Category*MaturityvalueEffectiveYield (p.a.)36 months 1426 14.20 1447 14.9060 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 AwardWinners 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%*Minimum investment ` 25,000/-Call free from BSNL Landline: 1800 425 1887. Customer Care Cell: 98470 91119.Tel: 0484 2396478, 2394712. Compiled & Published by The Muthoot GroupFax: 0484 2396506.(A Muthoot M George Enterprise), for privatee-mail: mails@muthootgroup.com circulation. Corporate Office: Muthoot Chambers,Opp. Saritha Theatre Complex, Banerji Road,www.muthootgroup.comKochi - 682 018, Kerala, India.English