Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q3 FY21 Earnings Presentation
72 slides from Aditya Birla Capital's earnings presentation, Feb 5, 2021
Slide 1: Exchange filing cover letter
5 February 2021 BSE Limited The National Stock Exchange of India Ltd Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalal Street, Plot. C/1, G-Block, Mumbai 400 001 Bandra-Kurla Complex, Bandra (East), Scrip Code: 540691 Mumbai 400 051 Scrip ID: ABCAPITAL Symbol: ABCAPITAL Dear Sir/Madam, Re:
Slide 2: Investor Presentation: Financial Results Q3 FY21
Investor Presentation FINANCIAL RESULTS: Q3 FY21 MUMBAI 5th February 2021 A Leading Financial Services Conglomerate Aditya Birla Capital Limited
Slide 3: Table of contents
Table of contents Figures in Rs Crore 1 | Overview Pg. 3 - 11 2 | Business-wise Performance Pg. 12 - 61 3 | Other Updates Pg. 62 - 68 Copyright Content / 2016 NOTE 1: The financials of Aditya Birla Capital Ltd are consolidated financials prepared based on Ind AS unless otherwise specified NOTE 2: Th
Slide 4: Q3 FY21 Key Highlights
Q3 FY21 | Key Highlights Figures in Rs Crore Strong growth in business leading to highest ever quarterly Strong improvement in AMC profitability; Q3 FY21 PBT/ ✓ profit; Consol. ABCL Revenue ↑ 16% y-o-y to 5,346 Crore and ✓ Domestic AAUM: 30 bps (PY: 28 bps) PAT ↑ 15% y-o-y to Rs 289 Crore Life Insur
Slide 5: Consolidated Financials
Consolidated Financials Figures in Rs Crore ↑16% Y-o-Y | 10% Q-o-Q ↑13% Y-o-Y Businesses Q2 FY21 Q3 FY20 Q3 FY21 5,346 NBFC 181 203 193 4,645 4,879 14,512 12,824 Revenue1 Asset Management 125 130 147 Life Insurance 23 27 26 Housing 36 27 38 General Insurance Broking 13 5 14 Q3 FY20 Q2 FY21 Q3 FY21 9
Slide 6: Strong rebound delivers highest ever quarterly profits
Strong rebound delivers highest ever quarterly profits Figures in Rs Crore ABCL Quarterly Consolidated PAT ABCL Quarterly Consolidated PAT YoY % 289 53% 270 264 258 256 38% 250 27% 17% 15% 198 3% 144 -27% -44% Copyright Content / 2016 Q4 FY19 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q
Slide 7: Delivering superior performance through portfolio diversification
Delivering superior performance through portfolio diversification Figures in Rs Crore Review period considered from FY18 due to transition to IndAS Accounting Standard from erstwhile IGAAP ABCL Consol Industry Aggregate (Average) 2Y CAGR: FY18-20 Revenue Growth % (Peergroup Median) 32% 21% 17% 18% 1
Slide 8: A strong track record in building scale, retailisation & profitability
A strong track record in building scale, retailisation & profitability Figures in Rs Crore PROTECTING INVESTING FY17 9M FY21 Key Achievements FY17 9M FY21 Key Achievements Total Gross Premium1 5,778 8,0082 ➢ Turnaround in profitability AMC: Domestic AAUM 1.73 Lac 2.36 Lac ➢ #1 amongst non-bank AMCs
Slide 9: Three year aspiration and key levers
3 Year aspiration and key levers Figures in Rs Crore Business Growth aspiration & profitability levers Current (9MFY21) FY24 Target (3Y) ▪ Overall Loan book 3Y CAGR ~15 - 17%; Retail + SME mix targeted at ~65% by FY24 RoA: 1.5% RoA: 2.5 – 2.7% NBFC ▪ 125 additional lean branches in Tier II/III locat
Slide 10: Key focus areas
Key focus areas Figures in Rs Crore 1 Unlock value given the scale of our businesses 2 Driving revenue potential through focused approach to cross sell & upsell 3 Leveraging digital, data and analytics across the platform Copyright Content / 2016 Aditya Birla Capital Limited 9
Slide 11: Focused approach on Upsell and Cross-sell
Focused approach on Upsell and Cross-sell Figures in Rs Crore ABC currently has over 20 million active customers Initiatives to scale up revenue potential by enhancing product per customer Upsell Opportunity Cross Business Opportunity Leveraging Analytics Increasing Product per customer (PPC) Access
Slide 12: Leveraging Digital, Data & Analytics
Leveraging Digital, Data & Analytics Figures in Rs Crore Leveraging technology to grow revenues, Select Use Cases where we have pioneered in the industry Focus Areas for leveraging technology going forward improve customer experience, optimize costs and build scalable processes Audio / Visual Bot Vi
Slide 13: Aditya Birla Finance Limited
Aditya Birla Finance Limited NBFC Business
Slide 14: Performance Summary | NBFC
Performance Summary | NBFC | Aditya Birla Finance 1 Retail and SME disbursements above Pre COVID level 2 Continue to Focus on granular portfolio mix ➢ Focused approach towards reducing ATS; Overall ATS ~Rs 24 lacs (↓ 18% y-o-y) ➢ Gross Disbursal ~Rs 4,282 Crores (↑ 20% y-o-y) of which 55% in Retail
Slide 15: Strong revival in disbursements with focus on retailisation
Strong revival in disbursements with focus on retailisation Figures in Rs Crore Change in Loan Book Mix Focusing new disbursement in Retail and SME Segments 47,933 45,475 45,650 4,282 3.9% 4.8% 3.7% 3,566 256 144 2,598 1,660 45.3% 43.4% 43.3% Gross Disbursement 1,377 93 747 892 618 729 50.8% 51.9% 5
Slide 16: Building granularity across segments
Building granularity across segments Figures in Rs Crore Loan book 8,583 9,060 9,519 Loan book 12,786 12,864 12,907 % Mix 18% 20% 21% % Mix 27% 28% 28% ATS (Rs Lakhs) 6 5 5 ATS (Rs Crore) 5 5 5 6% 4% 3% Retail LAS Supply Chain Finance 9% 7% 7% SME 23% 21% 20% 51% 48% 47% LRD 1% 0% Unsecured 1% 23% 2
Slide 17: Continue to deliver strong core operating profits
Continue to deliver strong core operating profits Figures in Rs Crore NIM at 5.24% (↑ 18 bps y-o-y | ↓ 9 bps q-o-q) Maintained Opex levels despite investment in retail expansion Net Interest Income1,3 190 194 196 0.16% 0.20% Opex3 Fee Income 0.22% Core NIM 5.16% 5.04% 4.84% Q3 FY20 Q2 FY21 Q3 FY21 Q
Slide 18: Margin improvement to continue to drive ROA
Margin improvement to continue to drive ROA Figures in Rs Crore ABFL NBFC Peers Q3 FY21 7.5% 7.5% 7.4% 7.8% 5.3% 5.6% 5.2% Net Margins expanding over NIM 11.73% 4.5% 4.9% 11.45% time as our Retail + SME loan Yield book mix increases FY18 FY19 FY20 Q3 FY21 Reported Reported Normalised 40% 38% 38% 34%
Slide 19: Quality of book
Quality of book Figures in Rs Crore Stage 1 & 2 PCR from 0.70% (Q4 FY20) → 1.04% (Q3 FY21) | Stage 3 PCR from 33.0% (Q4 FY20) → 38.5% (Q3 FY21) | ~Rs 550 Crore resolutions in Q3 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Figures in Rs Crores Stage 1 & 2 Stage 3 Stage 1 & 2 Stage 3 Stage 1 & 2 Stage 3 Stage 1 &
Slide 20: Adequate provisioning and security cover across segments
Adequate provisioning and security cover across segments Figures in Rs Crore Security cover and Guarantee Programs Security Net Security Customer Segment Gross Stage 3 Provision Net Stage 3 Value Cover1 ▪ ~80% of total loan book secured. Security Cover: SME 242 80 162 282 1.7x ▪ Overall Loan Book: S
Slide 21: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity Figures in Rs Crore ALM optimised for liquidity and costs 31st December 2020 Adequate liquidity under stress test scenario 100% 100% Liability Maturity (Dec’21) Fund Available as on 31th Dec 2020 Cumulative Outflows Cumulative Inflows (Including interest paym
Slide 22: Leveraging Digital, Data & Analytics
Leveraging Digital, Data & Analytics Figures in Rs Crore Digital initiatives/ Assets deployed Business KPIs Customer Onboarding Top-up and cross-sell Digital Onboarding Digital Payouts ➢ Completely digital and paperless onboarding ➢ Policy rules digitally coded for auto-generating 100% top up and cr
Slide 23: Key Financials – Aditya Birla Finance Limited
Key Financials – Aditya Birla Finance Limited Figures in Rs Crore Quarter 2 Quarter 3 Nine Months FY 20-21 FY 19-20 FY 20-21 FY 19-20 FY 20-21 Key Performance Parameters (CY) (PY) (CY) (PY) (CY) 45,475 47,933 45,650 Lending book 47,933 45,650 11.83% 12.13% 11.45% Average yield (Incl. Fee Income) 12.
Slide 24: Aditya Birla Housing Finance Limited
Aditya Birla Housing Finance Limited Housing Finance Business
Slide 25: Performance Summary | Housing Finance
Performance Summary | Housing Finance | AB Housing Finance 1 Strong disbursements revival in target segment 2 Increasing retail granularity and focus on affordable segment ➢ Strong rebound in gross disbursement at Rs.815 Crore (↑19% q-o-q ; ↑5% y-o-y) ➢ Focused approach to build granular higher-yiel
Slide 26: Recovery in disbursement with growth in focused segments
Recovery in disbursement with growth in focused segments Figures in Rs Crore Growing loan book with increased retail mix Improving margins through change in mix Loan Book Retail Mix Home Loans Affordable 2Y CAGR: 10% 2Y: 93% → 96% 2Y CAGR: 4% 2.4x over 2 yrs Loan book 12,190 12,117 11,872 Gross disb
Slide 27: Sourcing strategy and customer mix
Sourcing strategy Figures in Rs Crore Diversified Geographic Mix (%) Focus on increasing reach and building retail granularity Metros Non-Metros Home Loans Sourcing 41% 40% 41% 41% 4,325 3,981 Non-metro loan 3,624 3,639 book mix at 48% 12% 12% 11% 11% 57 branches currently 19% 19% 19% 19% operationa
Slide 28: Increase in core profits driven by margins and control on cost
Increase in core profits driven by margins and control on cost Figures in Rs Crore Margin improvement led by change in product mix CIR ↓ 6% q-o-q NIM: ↑ 4 bps q-o-q & ↑ 81 bps y-o-y Net Interest Income1 Cost Income Ratio 104 47.8% 93 41.2% 74 35.7% Q3 FY20 Q2 FY21 Q3 FY21 Q3 FY20 Q2 FY21 Q3 FY21 NIM
Slide 29: Scale to drive improving ROA
Scale to drive improving ROA Figures in Rs Crore ABHFL HFC Peers Q3 FY21 3.5% 3.3% 3.3% 3.1% 3.4% 3.4% 3.7% 3.0% Net Margins expanded over NIM 10.47% time as we increase 10.30% affordable share of the book Yield FY18 FY19 FY20 Q3 FY21 71% Reported Normalised 61% CIR expected to normalise as 46% plat
Slide 30: Quality of book
Quality of book Figures in Rs Crore Stage 1 & 2 PCR from 0.47% (Q4 FY20) → 0.74% (Q3 FY21) | Stage 3 PCR from 32% (Q4 FY20) → 34% (Q3 FY21) Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Figures in Rs Crores Stage 1 & 2 Stage 3 Stage 1 & 2 Stage 3 Stage 1 & 2 Stage 3 Stage 1 & 2 Stage 3 Loan Book 11,955 147 11,989
Slide 31: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity Figures in Rs Crore ALM optimised for liquidity and costs (As on 31st December 2020) Adequate liquidity under stress test scenario 100% 100% Cumulative Outflows Cumulative Inflows 88% Liability Maturity (Dec’21) Fund Available as on 31st Dec 2020 (Including i
Slide 32: Leveraging Digital, Data & Analytics
Leveraging Digital, Data & Analytics Figures in Rs Crore Digital initiatives/ Assets deployed Business KPIs Customer Onboarding Digital Collections Customer Onboarding Digital Collection ➢ Mobile App for Digital onboarding of customers ➢ Voice Bot for collections and moratorium calling 96% 98% lever
Slide 33: Value accretive growth
Value accretive growth Figures in Rs Crore PAT Return on Assets Return on Equity1 1.12% 101 9.92% 0.91% 82 9.24% YTD Dec'19 YTD Dec'20 YTD Dec'19 YTD Dec'20 YTD Dec'19 YTD Dec'20 Copyright Content / 2016 Aditya Birla Capital Limited 32 1 Based on monthly compounding of annualised RoE
Slide 34: Key Financials – Aditya Birla Housing Finance Limited
Key Financials – Aditya Birla Housing Finance Limited Figures in Rs Crore Quarter 2 Quarter 3 Nine Months FY 20-21 FY 19-20 FY 20-21 Key Performance Parameters FY 19-20 FY 20-21 (CY) (PY) (CY) (PY) (CY) 12,117 12,190 11,872 Lending book 12,190 11,872 10.25% 10.35% 10.30% Average yield 10.39% 10.30%
Slide 35: Aditya Birla Sun Life AMC Limited
Aditya Birla Sun Life AMC Limited Asset Management Business
Slide 36: Performance Summary | Asset Management
Performance Summary | Asset Management | ABSL Asset Management Co 1 Momentum in AUM growth and Mix 2 Maintaining Leadership and Market Share ➢ Maintained overall AAUM market share (Ex. ETF) at 9.35%; ➢ Overall Domestic AAUM at Rs. 2,55,458 Crore in Dec’20 (↑ ~7% q-o-q) ➢ Maintained leadership in fix
Slide 37: Rebound in AUM growth
Rebound in AUM growth Figures in Rs Crore Average Assets under Management Closing Assets under Management Domestic AAUM: Overall ↑ 7% q-o-q | Equity ↑ 6% q-o-q Domestic AUM: Overall ↑ 14% q-o-q | Equity ↑ 14% q-o-q 2,65,475 2,66,858 2,50,281 5,859 2,948 3,292 2,61,972 42,832 2,44,671 50,686 2,29,594
Slide 38: Focus on retailisation
Focus on retailisation Figures in Rs Crore Retail + HNI AAUM at Rs 1+ Lakh Crore (5Y CAGR ~18%) Growing Profitable B-30 AAUM Overall ↑ 10% q-o-q | Retail ↑ 13% q-o-q ↑ 13% y-o-y | ↑ 9% q-o-q Retail + HNI AAUM 1,23,673 1,22,574 B-30 AAUM 1,11,345 37,437 39,114 42,457 75,176 66,939 62,194 HNI Retail 4
Slide 39: Strong and sustained rebound in SIP
Strong and sustained rebound in SIP Figures in Rs Crore Strong revival in new SIP registrations SIP AUM ↑ 28% q-o-q | Registrations in Q3 FY21 at ~98% of PY SIP AUM ↑ 18% y-o-y New SIP Registration Count 40,560 1,85,592 1,82,715 34,995 34,332 SIP AUM 1,42,900 Q3 FY20 Q2 FY21 Q3 FY21 Dec-19 Sep-20 De
Slide 40: Strong performance vs. Listed peers
Strong performance vs. Listed peers Overall AAUM Equity AAUM Folio Growth 5Y CAGR: Q3 FY16 → Q3 FY21 5Y CAGR: Q3 FY16 → Q3 FY21 5Y CAGR: Mar-15 → Mar-20 2nd Highest Amongst Peers Highest Amongst Peers Highest Amongst Peers 21.8% 24.3% 13.3% 11.7% 13.9% 7.4% ABSLAMC Listed Peers ABSLAMC Listed Peers
Slide 41: Large and diversified distribution network
Large and diversified distribution network Continue to grow IFA share in equity sourcing Investor Education and Distributor development 12% 12% 12% Bank ▪ Conducted 710 digital investor education programs covering 20% 20% 20% 69,000+ Investors National Distributor 47% 50% ▪ Conducted 357 distributor
Slide 42: Leveraging Digital, Data & Analytics
Leveraging Digital, Data & Analytics Digital initiatives/ Assets deployed Business KPIs Positive Mission Happiness Scores Key Metrics going Digital Digital Onboarding Customer Interaction on ➢ NPS Scores improving every quarter for both Digital Channel types of Asset viz. IFA and Retail Customers ➢
Slide 43: Key Financials – Aditya Birla Sun Life AMC Limited
Key Financials – Aditya Birla Sun Life AMC Limited Figures in Rs Crore Quarter 2 Quarter 3 Nine Months FY 20-21 FY 19-20 FY 20-21 Key Performance Parameters FY 19-20 FY 20-21 (CY) (PY) (CY) (PY) (CY) 2,38,674 2,49,926 2,55,458 Domestic AAUM 2,52,573 2,36,241 82,179 92,238 87,516 Domestic Equity AAUM
Slide 44: Aditya Birla Sun Life Insurance Limited
Aditya Birla Sun Life Insurance Limited Life Insurance Business
Slide 45: Performance Summary | Life Insurance
Performance Summary | Life Insurance | ABSL Insurance Co 1 Strong growth in business 2 Improvement on all quality vectors ➢ Individual FYP ↑ 6% y-o-y; market share ↑ 49 bps y-o-y in 9M FY21 (Private Players ↓ 6% y-o-y) ➢ Continuous improvement in persistency over the years with 13th month persistenc
Slide 46: Strong growth in New Business Premium
Strong growth in New Business Premium Figures in Rs Crore Individual FYP1 Group New Business Premium 6% Y-o-Y in YTD Dec FY21 50% Y-o-Y in YTD Dec FY21 Private Players2 -6% Industry2 -8% Private Players2 15% Industry2 -5% 1,891 1,256 1,579 1,188 1,039 1,258 Copyright Content / 2016 9M FY19 9M FY20 9
Slide 47: Leveraging Digital, Data & Analytics
Leveraging Digital, Data & Analytics Figures in Rs Crore Digital initiatives Business KPIs Pre-Purchase Customer On-boarding Digital Pre Approved Customer Onboarding new business (PASA) ➢ Sales Buddy (DIY Combo & Illustration/Story) with ➢ 95% New business sourced digitally. 8,126 unique users at be
Slide 48: Multi channel distribution strategy
Multi channel distribution strategy Figures in Rs Crore Sourcing Mix Channel Wise Highlights Partnerships Proprietary Partnership Channel Proprietary Channel 733 646 48% 54% 58% 541 523 Ind. FYP 52% 46% 42% 9M FY20 9M FY21 9M FY20 9M FY21 9M FY19 9M FY20 9M FY21 2% 3% 11% 10% Product Mix Banca Tie-u
Slide 49: Focus on value accretive product mix
Focus on value accretive product mix Figures in Rs Crore Improvement in Product Mix Products and Risk Management 7% 6% 6% ➢ New Products launched in current year contributed to 25%+ of Q3 Ind. FYP Protection Success of ➢ Continue to innovate on products to meet customer needs and penetrate more New
Slide 50: Improving quality of business
Improving quality of business Figures in Rs Crore Renewal Premium Persistency1 Controlled Opex2 Y-o-Y Growth ~20% Improving Persistency across cohorts Reduction in opex to premium ratio YTD Dec FY20 84% YTD Dec FY21 934 924 82% 3,355 843 2,794 71% 2,247 66% 57% 58% 54% 53% 50% 48% 17.1% 17.6% 14.0%
Slide 51: Delivering robust performance across parameters
Delivering robust performance across parameters Figures in Rs Crore Individual FYP Renewal Premium Persistency Opex Ratio EV Growth As on H1 FY21 9% Industry Peers Non Bank Backed 84% 18.0% 15% Industry Peers 18% 19% 75% 16.8% 13% 15.9% 14.7% -5% 2Y CAGR: FY18-20 YoY: 9M FY21 2Y CAGR: FY18-20 YoY: H
Slide 52: Improvement in VNB Margins
Improvement in VNB Margins Figures in Rs Crore Gross VNB1 Net VNB2 G-Sec3 7.4% 6.6% 5.9% Margin 34.1% 35.3% 36.4% Margin 1.0% 5.1% 5.9% 466 80 428 65 366 11 9M FY19 9M FY20 9M FY21 9M FY19 9M FY20 9M FY21 Copyright Content / 2016 Healthy Gross VNB margins despite falling interest rates Net VNB bette
Slide 53: Key Financials – Aditya Birla Sun Life Insurance Limited
Key Financials – Aditya Birla Sun Life Insurance Limited Figures in Rs Crore Quarter 2 Quarter 3 Figures in Rs Crore Nine Months FY 20-21 FY 19-20 FY 20-21 Key Performance Parameters FY 19-20 FY 20-21 (CY) (PY) (CY) (PY) (CY) 464 516 545 Individual First year Premium 1261 1336 620 579 682 Group Firs
Slide 54: Aditya Birla Health Insurance Limited
Aditya Birla Health Insurance Limited Health Insurance Business
Slide 55: Performance Summary | Health Insurance
Performance Summary | Health Insurance | AB Health Insurance Co 1 Fastest growing Health Insurer 2 External Trends impacting Operating Environment ➢ Fastest growing HI: 9M FY21 growth at 57% vs Industry: 12%, SAHI: 26% ➢ ABHI continued to grow faster relative to industry despite a slower Q3. Q3 grow
Slide 56: Unique & Differentiated Health First Model
Unique & Differentiated Health First Model: Core offerings .. 1/2 Diversified product suite with health first offerings enabling market expansion Expanding the Market Product Differentiators Comprehensive Product Range & Innovation Existing market ➢ Indemnity/Fixed benefit, Top-up, 4-in-1 combo, Sen
Slide 57: Health data based hyper-personalized engagement
Health data based hyper-personalized engagement …2/2 Health Data WellBeing Score Risk Stratification based hyper-personalized recommendation 150+ health data points Holistic health score Very High Risk ✓ 2nd opinion Critical condition ✓ Health / Lifestyle coach ✓ Health chat-bot High Risk ✓ Online p
Slide 58: Scaled-up and diversified digitally enabled distribution network
Scaled-up and diversified digitally enabled distribution network Multi-channel & Digitally enabled distribution Diversified & scaled distribution Diversified and provider and scaled networknetwork ➢ Agency: Scalable proprietary channel with 100+ branch locations | 38k+ agents | 9M FY20 9M FY21 Lever
Slide 59: Leveraging Digital, Data & Analytics in Health Insurance business
Leveraging Digital, Data & Analytics in Health Insurance business Leveraging Digital assets and end-to-end digitally enabled journeys Data & Analytics Prospecting On-boarding / Selling Data enrichment & Analytics ➢ #HealthBhiTaxBhi digital campaign; Expert tax ➢ Digital advisor onboarding portal: 10
Slide 60: Business Outcomes
Business Outcomes GWP growth at 57% y-o-y with 1.6x retail growth Lives covered growth at 72% y-o-y Retail GWP grew 64% y-o-y (Retail Mix at 74%) 7 Mn+ through rural & micro/ byte-sized products Lives Covered (Mn) 2.7x 859 8.6x 11.2 Revenue 546 6.5 632 Retail 318 386 192 1.3 126 160 227 Group 9M FY1
Slide 61: Delivering robust performance for a young business
Delivering robust performance for a young business Retail GWP : ABHI Vs. Peers Combined Ratio: ABHI Vs. Peers Fastest growth amongst SAHI players since start of operations Fastest Road to breakeven amongst SAHI players since start of operations 950-1,000 300% Retail GWP in Rs Crore ABHI 290% 221% 19
Slide 62: Key Financials – Aditya Birla Health Insurance Limited
Key Financials – Aditya Birla Health Insurance Limited Quarter 3 Figures in Rs Crore Nine Months FY 19-20 FY 20-21 Key Performance Parameters1 FY 19-20 FY 20-21 (PY) (CY) (PY) (CY) 170 207 Retail Premium 385 632 60 102 Group Premium 160 227 231 309 Gross Written Premium 546 859 212 287 Revenue 507 7
Slide 63: Other Updates
ADITYA BIRLA CAPITAL PROTECTING INVESTING FINANCING ADVISING Other Updates
Slide 64: Other Financial Services Businesses
Other Financial Services Businesses Figures in Rs Crore Quarter 3 Figures in Rs Crore Nine Months FY 19-20 FY 19-21 Key Performance Parameters FY 19-20 FY 20-21 (PY) (CY) Other Financial Services Businesses1 (PY) (CY) 204 266 Aggregate Revenue 565 655 13 36 Aggregate Profit Before Tax 52 109 • Premi
Slide 65: Consolidated Profit & Loss
Consolidated Profit & Loss Figures in Rs Crore Quarter 2 Quarter 3 Figures in Rs Crore Nine Months FY 20-21 FY 19-20 FY 20-21 Consolidated Profit & Loss FY 19-20 FY 20-21 (CY) (PY) (CY) (PY) (CY) 4,589 4,293 5,026 Revenue 11,866 13,643 296 276 326 Profit Before Tax (before share of profit/(loss) of
Slide 66: Advantages of the ABC platform
Advantages of the ABC platform Figures in Rs Crore Our Scale Diversified platform allowing us to Strong parentage and brand with capitalize on multiple opportunities and delivering strong earnings recall and appeal across the country Rs 3.2 Lac Crore 22,435 through the cycle Total AUM Employees Pan
Slide 67: Awards and Accolades
Awards and Accolades Figures in Rs Crore Top 25 Innovative Brand of the Year companies in India 2020 FICCI CSR Award 2020 Indian Content Marketing Awards For Project Saksham aimed at CII Industrial Innovation Awards, (ICMA) 2020 holistic inclusive model for 2020 differently abled children and youngs
Slide 68: A financial services conglomerate meeting the life time needs of its customers
A financial services conglomerate meeting the life time needs of its customers CIN: L67120GJ2007PLC058890 Regd. Office: Indian Rayon Compound, Veraval – 362 266, Gujarat Corporate Office: One Indiabulls Centre, Tower 1, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400
Slide 69: Disclaimer
Disclaimer Figures in Rs Crore The information contained in this presentation is provided by Aditya Birla Capital Limited (“ABCL or the Company”), formerly known as Aditya Birla Financial Services Limited, to you solely for your reference. Any reference herein to "the Company" shall mean Aditya Birl
Slide 70: Press Release
PRESS RELEASE Aditya Birla Capital reports results for the quarter ended 31st December 2020 ▪ Strong growth across businesses and cost optimisation leading to delivery of highest ever quarterly consolidated profit ▪ Consolidated1 Revenue at Rs. 5,346 Crore (grew 16% year on year) ▪ Consolidated Net
Slide 71: Press release: business-wise results
NBFC business: o Gross disbursement grew 20% year on year to Rs. 4,282 Crores in Q3 FY21, out of which 55% disbursement in targeted Retail and SME targeted segments o Loan book at Rs. 45,650 Crore vs. previous quarter at Rs. 45,475 Crore; Retail and SME loan book grew 2% over previous quarter o Adde
Slide 72: Press release: Health Insurance and other businesses
Health Insurance business o Gross written premium at Rs. 859 Crore during YTD FY21; grew 57% over the previous year, ahead of industry growth of 26% for Standalone Health Insurers o Retail business contributing 74% of total business o Covering 11.2 million lives out of which over 7 million lives cov