Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q2 FY22 Earnings Presentation
74 slides from Aditya Birla Capital's earnings presentation, Nov 1, 2021
Slide 1: Investor Presentation: Financial Results Q2 FY22
Investor Presentation FINANCIAL RESULTS: Q2 FY22 MUMBAI 1st November 2021 A Leading Financial Services Conglomerate Aditya Birla Capital Limited 1
Slide 2: Table of contents
Table of contents 1 | Overview Pg. 3 - 13 2 | Business-wise Performance Pg. 14 - 69 3 | Other Updates Pg. 70 - 74 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: All financial figures
Slide 3: Q2 FY22 Performance Highlights: Snapshot
Q2 FY22 | Performance Highlights SNAPSHOT Q2 Consol. PAT FY22 Profit Guidance Delivery Vs. Targets Active Customers Value Unlocking ₹ 377 Cr. Over ₹ 1,500 Cr. PAT Target to deliver a year 28 MILLION AMC IPO Aspire to be among Top ahead of FY24 Targets Grew 43% Y-o-Y Grew 42% Y-o-Y Listed in Oct’21 1
Slide 4: Q2 FY22 Performance Highlights
Q2 FY22 | Performance Highlights NBFC & HOUSING FINANCE ASSET MANAGEMENT LIFE & HEALTH INSURANCE LENDING BOOK GROWTH & MIX AUM GROWTH & MIX PREMIUM GROWTH & MIX NBFC: Retail + SME1 ↑ 19% y-o-y; Mix: 59% Domestic AAUM ↑ 26% y-o-y LI: Ind. FYP ↑ 27% y-o-y; Protection Mix: 6% HFC: Affordable book ↑ 49%
Slide 5: On track to deliver ahead of FY24 targets
On track to deliver ahead of FY24 targets Targets for FY24 Q2 FY21 Q2 FY22 Target Retail + SME mix 52% 59% 65% NBFC Net Interest Margin 5.3% 6.2% 6.25%+ Return on Assets 1.4% 2.4% 2.5 – 2.7% Affordable mix 21% 33% ~65% Housing Net Interest Margin 3.3% 4.3% 4.25%+ Return on Assets 1.0% 1.8% 1.5 – 1.6
Slide 6: Delivered highest ever quarterly profits
Delivered highest ever quarterly Profits Strong Financial performance Business-wise profitability Revenue1 ↑ 22% y-o-y Businesses (INR Crores) Q1 FY22 Q2 FY21 Q2 FY22 5,961 NBFC 315 244 387 4,885 Asset Management 206 164 231 4,299 3,978 Life Insurance 31 42 50 Housing 49 45 66 Q2 FY19 Q2 FY20 Q2 FY2
Slide 7: Financial Performance
Financial Performance Figures in Rs. Cr. FY17 FY18 FY19 FY20 FY21 CAGR H1 FY21 H1 FY22 Y-o-Y (FY17 - FY21) Lending Book 38,839 51,379 63,119 59,159 60,557 12% 57,592 59,060 3% Gross Insurance Premium 5,778 6,146 8,008 8,882 11,076 18% 4,533 5,685 25% Active Customers (Mn) 10 11 12 20 24 24% 20 28 42
Slide 8: Capital Allocation Approach
Capital Allocation Approach Focused Approach Where have we invested…. Priorities for next 3 years ▪ Ensure adequate capital allocation for: ▪ Raised equity capital of ~Rs 2,800 Crore ▪ Continue to deploy growth capital: since ABC listing in Sept’17 - Lending businesses as required - Scalable, higher
Slide 9: Transformational initiatives driven by ABC
Transformational initiatives driven by ABC Dedicated ABC functional CoEs drive and monitor effective deployment across businesses Increase customer wallet share Drive multi-product Fintech Infrastructure Synergies Functional Synergies using analytics partnerships ▪ ABC Pre-approved - presents ▪ Stru
Slide 10: Data and Analytics
Data and Analytics LIFE INSURANCE HEALTH INSURANCE AMC LENDING 16% 7% 5% 24% of Individual First of Retail Fresh of Retail Gross Sale of retail portfolio ACQUISITION Year Premium Premium (Excl. Micro/ using ML risk Byte size products) scorecards UPSELL 18% 18% 11% 19% of Individual First of Retail F
Slide 11: Multi-product Fintech partnerships
Multi-product Fintech partnerships Partner ecosystems Cloud Infrastructure OUTCOMES Banking & Ecommerce Contact Channel 150+ ecosystem partners including banks digitally Finance Cos Centre Mgmt. enabled across ABC AI/ML 1.4 Mn. customers acquired through digital Payment Fraud Aggregators based ecosy
Slide 12: Leveraging digital technology
Leveraging digital technology Customer Acquisition Customer Service Customer Analytics & Value Scalability Leveraging Ecosystems Instant Fulfilment Hyper-personalized offers Robotics Customer Acquisition through ecosystems Focus on end-to-end automation of Leverage Pre –Approved/NBO offers for Conti
Slide 13: ABC Digital impact metrics
ABC Digital impact metrics Progress on multiple vectors across businesses as a result of digital focus All metrics are for Q2 FY22 unless specified REVENUE 93%+ 1.4+ Mn. 6000+ Cr. 30+ Mn. ENABLEMENT Customers onboarded Customers acquired Mutual Fund gross sale No. of policies acquired through digita
Slide 14: NBFC
NBFC Aditya Birla Capital Limited 14
Slide 15: Performance Summary | NBFC | Aditya Birla Finance
Performance Summary | NBFC | Aditya Birla Finance 1 Disbursement targeted towards Retail and SME segments 2 Improving margins & core profitability ➢ NIM ↑ 91 bps y-o-y to 6.23%; NII ↑ 21% y-o-y at Rs 765 Crore ➢ Retail + SME1 book ↑19% y-o-y; Loan book at Rs 47,733 Crore (↑ 5% y-o-y) ➢ Margin expans
Slide 16: Change in loan book mix with focus on target segments
Change in loan book mix with focus on target segments Change in Loan Book Mix Focusing new disbursement to Retail and SME Segments SME + Retail + HNI book SME + Retail1 mix Disbursement SME + Retail1 19% ↑ Y-o-Y 52% → 59% 1.9x ↑ Y-o-Y 1.8x ↑ Y-o-Y 4,951 45,475 45,881 47,733 5% 2% 2% 1,555 40% 39% 2,
Slide 17: Transformative journey in Retail segment
Transformative journey in Retail segment % Retail as a proportion of overall ABFL portfolio New products launched in Retail segment 16% 20% 27% Retail ➢ Traditional products: like personal loans, business loans, loan Portfolio against property etc. (Rs. Crs) 9,060 12,684 ➢ Small ticket new products
Slide 18: Deepening our penetration in Tier 3-4 markets
Deepening our penetration in Tier 3-4 markets Significant market opportunity for growth in Tier 3/4 markets: ~35% market share in PL & BL from outside Top 50 cities1 PL | 35% outside Top 50 Cities BL | 34% outside Top 50 Cities Top 50 Cities 65% 57% Outside Top 50 Cities 66% 70% 35% 43% 34% 30% “Opp
Slide 19: Best-in-class Digital lending Platform
Successfully built a best-in-class Digital lending Platform End-to-end online journeys through plug-&-play Ecosystem to help build a much leaner operating model in the long term E-mandates & E- AI-ML based Analytics based Online KYC contracts algorithms scorecards Digital Onboarding Digital Underwri
Slide 20: Enhanced offerings across customer moments of truth
Enhanced our offerings across Customer moments of truth… Individual Customers MSME Customers Medical Education Lifestyle Healthcare Merchant Supply Chain Machinery Travel Loans# Equipment Loans Loans Loans Loans Financing Loans Loans Copyright Content / 2016 Secured Working Secured Business Buy Now
Slide 21: Large scale customer acquisition
…leading to large scale customer acquisition 1.4+ Million 9% 27% customers acquired via Digital of Retail segment portfolio in of Retail segment Ecosystems in H1 FY22 Sep’21 is from Digital disbursements in H1FY22 via Ecosystem niche products Digital Ecosystems Digital ecosystem portfolio and disbur
Slide 22: Continue to deliver strong core operating profits
Continue to deliver strong core operating profits Margin improvement led by change in product mix CIR reduction of 60 bps y-o-y Net Interest Income1,3 30.70% 30.10% 0.30% 0.29% 29.54% 0.16% Fee Income CIR1,2 5.84% 5.94% 5.16% Core NIM Q2 FY21 Q1 FY22 Q2 FY22 Q2 FY21 Q1 FY22 Q2 FY22 Opex3 194 213 230
Slide 23: Continued focus on quality of book
Continued focus on quality of book Gross Stage 3 % Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins ↑ 17 bps Y-o-Y Δ: ↓ ~5 bps Y-o-Y ↑ 11 bps Y-o-Y ↑134 bps Y-o-Y GS3 Provision NS3 Core Credit Cost % NIM (adj. Credit Cost) % 44.6% 2.09% 4.99% 44.1% 2.03% 4.46% 3.64% 3.64% 42.7% 1.92% 3.65% 3.47% 1.
Slide 24: Adequate provisioning and security cover across segments
Adequate provisioning and security cover across segments 2.0x Net Security Cover1 Security Net Security Customer Segment GS3 GS3 % Provision NS3 ▪ 77% of total loan book secured. ~Additional Value Cover1 3.0% secured through CGTMSE scheme, making over 80% of book secured. SME 296 2.13% 120 176 487 2
Slide 25: Building granularity across segments
Building granularity across segments Loan book 9,060 11,252 12,684 Loan book 12,864 13,530 13,899 % Mix 20% 25% 27% % Mix 28% 29% 29% ATS (Rs Lakhs) 5 4 1 ATS (Rs Crore) 5 5 5 Customers (#) - Lacs 1.7 3.0 10.0 Customers (#) 2,467 2,996 3,025 4% 3% 4% 7% 7% 6% Supply Chain Finance Retail LAS SME 21%
Slide 26: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ALM optimised for liquidity and costs 30th Sep 2021 Adequate liquidity under stress test scenario 100%100% Cumulative Outflows 74% 70% Liability Maturity (Sep’22) Fund Available as on 30th Sep 2022 (Including interest payments) (Assuming 50% of collections) C
Slide 27: Digital impact metrics in NBFC business
Digital impact metrics in NBFC business Progress on multiple vectors contributing to customer acquisition, service & process efficiencies Sourcing Collections Revenue 98% 14.5 Lac 27% Enablement • Fully agile tech stack for customer ▪ ABFL Re-payment hub activated Customers Customers acquired Retail
Slide 28: Value accretive growth
Value accretive growth PAT Return on Assets Return on Equity1 ↑ 1.6x ↑ 86 bps 2.4% ↑ 415 bps 13.2% 289 181 1.6% 9.1% Q2 FY21 Q2 FY22 Q2 FY21 Q2 FY22 Q2 FY21 Q2 FY22 523 2.2% 12.1% 322 1.4% 8.1% Copyright Content / 2016 H1 FY21 H1 FY22 H1 FY21 H1 FY22 H1 FY21 H1 FY22 1 Based on monthly compounding of
Slide 29: Key Financials – Aditya Birla Finance Limited
Key Financials – Aditya Birla Finance Limited Quarter 1 Quarter 2 Figures in Crs Half Year FY 21-22 FY 20-21 FY 21-22 FY 20-21 FY 21-22 Key Performance Parameters (CY) (PY) (CY) (PY) (CY) 45,881 45,475 47,733 Lending book 45,475 47,733 11.80% 11.83% 11.77% Average yield (Incl. Fee Income) 11.74% 11.
Slide 30: Housing Finance
Housing Finance Aditya Birla Capital Limited 30
Slide 31: Performance Summary | Housing Finance
Performance Summary | Housing Finance | AB Housing Finance 1 Disbursements to target segment 2 Change in Mix leading to Improving margins & Core Profitability ➢ Rebound in gross disbursal at Rs 974 Crore (↑ 3x q-o-q ; ↑ 1.4x Y-o-Y) ➢ NIM highest at 4.32% (↑ 99 bps y-o-y); NII ↑ 28% y-o-y ➢ Affordabl
Slide 32: Recovery in disbursement with growth in focused segments
Recovery in disbursement with growth in focused segments Growing loan book with increased retail mix Strong disbursements revival in target segment Retail Mix Affordable Gross Disbursal Affordable 2Y: 94% → 95% 2x over 2 yrs ↑ 3x Q-o-Q 1Y: 38% → 57% 12,117 11,301 11,327 Gross Disbursal 688 321 974 ↑
Slide 33: Growth in Affordable Segment
Growth in Affordable Segment Affordable AUM Affordable disbursement Tier wise branch presence for Affordable segment AUM: 2Y CAGR ↑ 40% Disbursal: 2Y CAGR ↑ 38% Sep’19 Sep’21 3,687 554 25% 18% Tier 1 2,482 43% Tier 2 1885 292 260 Tier 3 & 4 57% 25% 33% Q2 FY20 Q2 FY21 Q2 FY22 Q2 FY20 Q2 FY21 Q2 FY22
Slide 34: Increase in core profits driven by margins
Increase in core profits driven by margins Margin improvement led by change in product mix Reduction in CIR driven by operating leverage CIR : ↓ 4.7% Y-o-Y Net Interest Income1 NIM: ↑ 99 bps Y-o-Y | ↑ 8 bps Q-o-Q Cost Income Ratio 119 41.2% 36.5% 116 35.3% 93 Q2 FY21 Q1 FY22 Q2 FY22 Q2 FY21 Q1 FY22
Slide 35: Continued focus on quality of book
Continued focus on quality of book Gross Stage 3 % Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins Δ: ↑ 89 bps Y-o-Y Δ: ↓ 2.7% Y-o-Y Δ: ↑ 62 bps Y-o-Y Δ: ↑ 102 bps Y-o-Y GS3 Provision NS3 Core Credit Cost % NIM (adj. Credit Cost) % 1.39% 1.40% 3.77% 2.08% 2.13% 37.0% 3.10% 34.3% 2.75% 33.5% 0.78%
Slide 36: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ALM optimised for liquidity and costs (As on 30th Sept 2021) Adequate liquidity under stress test scenario Liability Maturity (Till Sept’22) Funds available as on Sept 30, 2021 100%100% Including interest payments Assuming 50% collections Cumulative Outflows
Slide 37: Digital impact metrics in Housing Finance
Digital impact metrics in Housing Finance Progress on multiple vectors contributing to customer acquisition, service & process efficiencies Sourcing Underwriting Revenue 81%+ 85%+ 46%+ ▪ Central Processing Hub for data Enablement customers Reduction of Reduction in ▪ Frontline digital on-boarding st
Slide 38: Value accretive growth
Value accretive growth PAT Return on Assets Return on Equity1 ↑ 3.3% 13.9% ↑ 43% 51 ↑ 63 bps 1.8% 36 10.6% 1.2% Copyright Content / 2016 Q2 FY21 Q2 FY22 Q2 FY21 Q2 FY22 Q2 FY21 Q2 FY22 1 Based on monthly compounding of annualised RoE Aditya Birla Capital Limited All figures in Rs Crores 38
Slide 39: Key Financials – Aditya Birla Housing Finance Limited
Key Financials – Aditya Birla Housing Finance Limited Quarter 1 Quarter 2 Figures in Rs Crore Half Year FY 20-21 FY 20-21 FY 21-22 Key Performance Parameters FY 20-21 FY 21-22 (PY) (PY) (CY) (PY) (CY) 11,301 12,117 11,327 Lending book 12,117 11,327 10.34% 10.25% 10.17% Average yield 10.30% 10.28% 6.
Slide 40: Asset Management
Asset Management Aditya Birla Capital Limited 40
Slide 41: Performance Summary | Asset Management
Performance Summary | Asset Management | ABSL Asset Management Co 1 Momentum in AUM growth and value accretive mix 2 Strong and growing retail franchise ➢ Solid revival in Mutual Fund QAAUM crossing Rs 3 Lac Crore (↑ 26% y-o-y); ➢ Investor folios ~7.3 Mn; Added 0.6 Mn folios in H1 FY22 Backed by con
Slide 42: Rebound in AUM growth
Rebound in AUM growth Closing Assets under Management Average Assets under Management All figures in Rs. Cr All figures in Rs. Cr Domestic Total Equity Fixed Income Overall QAAUM Domestic Equity Equity Mix ↑ 25% Y-o-Y ↑ 43% Y-o-Y ↑ 21% Y-o-Y ↑ 25% Y-o-Y ↑ 41% Y-o-Y 39% (PY: 34%) 2,29,594 2,82,127 2,
Slide 43: Strong retail franchise
Strong retail franchise Retail KPIs Equity QAAUM Individual MAAUM B-30 MAAUM Size Rs 1,16,151 Crore Rs 1,43,068 Crore Rs 48,090 Crore AAUM Mix 38.7% (PY: 34.4%) 47.2% (PY: 46.2%) 15.9% (PY: 16.2%) Rs. Crore Rs. Crore Rs. Crore ↑ 29% 1,43,068 ↑ 23% 48,090 ↑ 41% 1,16,151 1,11,346 39,114 82,179 Yearly
Slide 44: Focus on Growing SIP Book
Focus on Growing SIP Book Increasing traction in SIP Long Tenure SIP Book SIP Book in Rs Cr.(1) Quarterly New SIP (1) registrations # of Live Outstanding SIPs % Count of Total SIPs (2) Count(‘000) (1) (Mn) (Sep’21) 320 867 2.83 2.86 2.99 87% 78% 816 224 812 152 Sep'20 Jun'21 Sep'21 Over 5 Years Over
Slide 45: Large and well-diversified distribution network
Large and well-diversified distribution network One of the largest empaneled distributor base | Continue to expand distributor base and empaneled 1800+ new MFDs in Q2 FY22 280+ 67,000+ 100+ 90 240+ 70+ Locations1 MFDs Banks2 Emerging Market National Digital Representatives Distributors Partners Over
Slide 46: Alternative Assets: Expanding bouquet of product offering
Alternative Assets: Expanding bouquet of product offering Emphasis on Smart Beta (alternate weighting) passive Passives strategies through ETFs, FoFs and Index Funds New product launched and raised: Rs. 702 Crore Scheme Pipeline Scheme Pipeline ABSL Nifty Midcap 150 Index Fund ABSL Financial Service
Slide 47: Holistic Digital Transformation
Holistic Digital Transformation - Rooted within us 360 Degree Digital Transformation Enhancing own Digital Capabilities Cloud based IVR & voice-based technology to Customer improve the customer experience. Journey State of the art UI/UX to provide enhanced investor experience & instant access to fun
Slide 48: Leveraging strong digital ecosystem
Leveraging strong digital Ecosystem Customer Customer Distributor 77% 91% 91% Digital Payments 99% Onboarding Servicing Onboarding New Customer Acquisition Customer Advocacy • Deeper and real time integration for leads Closures • Video KYC for seamless • “e-OTM” registration for digital onboarding a
Slide 49: Key Financials – Aditya Birla Sun Life AMC Limited
Key Financials – Aditya Birla Sun Life AMC Limited Quarter 1 Quarter 2 Figures in Rs Crore Half Year FY 21-22 FY 20-21 FY 21-22 Key Performance Parameters FY 20-21 FY 21-22 (CY) (PY) (CY) (PY) (CY) 2,75,454 2,38,674 3,00,289 Domestic AAUM 2,26,633 2,87,872 1,02,678 82,179 1,16,151 Domestic Equity AA
Slide 50: Life Insurance
Life Insurance Aditya Birla Capital Limited 50
Slide 51: Performance Summary | Life Insurance
Performance Summary | Life Insurance | ABSL Insurance Co 1 High Momentum in Individual Business 2 Consistent Growth in Value accerative Group Business ➢ Ind. FYP ↑ 27% in Q2 and ↑ 18% in H1 on the back of 7% growth in H1 FY21 ➢ Group FYP ↑ 68% in Q2 and ↑ 11% in H1 on the back of 78% growth in H1 FY
Slide 52: Outperforming Industry/Peers across metrics
Outperforming Industry/Peers across metrics Revenue growth Quality Growth in Value Individual FYP* 13th Persistency Δ ** Net VNB Δ ^ +27% | +11% +6% | +3% +6.3% | +5.4% Higher than industry growth over 2 Higher than industry growth over 2 Change over 3 years ending FY21 years for H1 FY22 years for F
Slide 53: Digital Landscape – Across Customer Acquisition and Servicing
Digital Landscape – Across Customer Acquisition and Servicing Lead Prospecting 52% Advisor Customer Self 75% Management Servicing Empowering Partner / Contactless digital Servicing Services available verification online as on Sep’21 Pre-sales App Sales Buddy WhatsApp / Service Buddy Customers 93%+ C
Slide 54: Strong growth in New Business Premium
Strong growth in New Business Premium Individual FYP1 Group New Business Premium ABSLI Private Players Industry ABSLI Private Players Industry ↑ ↑ Q2 FY’22 ↑ ↑27% Y-o-Y 5% Y-o-Y ↑-23% 35%Y-o-Y Y-o-Y ↑ 21% Y-o-Y Q2 FY’22 ↑ ↑68% Y-o-Y 5% Y-o-Y 12%Y-o-Y ↑-23% Y-o-Y ↑ 7% Y-o-Y ↑ Q1 FY’22 ↑ 5% Y-o-Y ↑-23
Slide 55: Improving quality of business
Improving quality of business Total Renewal Premium Persistency1 Controlled Opex2 Renewal Growth Digital Renewal Improving Persistency across all cohorts Controlled Opex to premium ratio ↑ 31% Y-o-Y 73% H1 FY22 H1 FY21 H1 FY20 Δ 2Y Opex to Premium 83% 13M 83% ↑ 2% 6.3% 20.0% 81% ↑ 25% 2Y CAGR 2,597
Slide 56: Focus on value accretive product mix
Focus on value accretive product mix Improvement in Product Mix Products and Risk Management New products contributed to 12% of Ind. new business during H1 FY’22 ➢ ABSLI Guaranteed Annuity Plus - launched in Q2 in the Traditional 6.7% 6.4% 6.7% New Product segment with key features such as Guarantee
Slide 57: Improvement in VNB Margins
Improvement in VNB Margins Gross VNB1 Net VNB2 Gross VNB Growth Net VNB Margin ↑ 41% Y-o-Y ↑ 375% Y-o-Y 36.3% 34.8% 41.5% 1.1% 6.9% 1.6% 10.6% 7.6% 14%+ 371 219 259 264 125 73 9 13 H1 FY20 H1 FY21 H1 FY22 H1 FY’20 FY’20 H1 FY’21 FY’21 H1 FY’22 Copyright Content / 2016 FY’22 Gross VNB Margin Net VNB
Slide 58: Large and well-diversified distribution network
Large and well-diversified distribution network Pan India well diversified distribution scale 2,800+ 340+ 70,000+ 7 14,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches HDFC Bank, DCB, KVB, Indian Bank, DB, DBS, Ujjivan Strong productivity growth across channels Resulting in a balanced sou
Slide 59: Key Financials – Aditya Birla Sun Life Insurance Limited
Key Financials – Aditya Birla Sun Life Insurance Limited Quarter 1 Quarter 2 Figures in Rs Crore Half Year FY 21-22 FY 20-21 FY 21-22 Key Performance Parameters FY 20-21 FY 21-22 (CY) (PY) (CY) (PY) (CY) 369 464 612 Individual First year Premium 791 981 301 620 1,042 Group First year Premium 1,209 1
Slide 60: Health Insurance
Health Insurance Aditya Birla Capital Limited 60
Slide 61: Performance Summary | Health Insurance
Performance Summary | Health Insurance | AB Health Insurance Co 1 Sustained strong growth 2 Strong financial management ➢ H1 loss at Rs. 230 Crore (LY: Rs 124 Crore) → due to high CoVID claims | ABHI ➢ Continued growth momentum: H1 FY22; Total GWP Rs 764 Crore,↑ 39% YOY | share of CoVID claims lower
Slide 62: Business Outcomes and Combined Ratio
Business Outcomes GWP growth at 1.4x y-o-y Lives covered growth at 1.7x y-o-y Retail Mix at 69% 12 Mn.+ through rural & micro/ byte-sized products Lives Covered (Mn) Revenue (Rs. Cr.) 2.4x 3.1x 16 764 4 Others 550 10 530 Retail 315 5 3 425 12 Rural & Byte 215 2.8 6 125 233 Group 2 100 H1 FY20 H1 FY2
Slide 63: Scaled-up, diversified and digitally enabled distribution
Scaled-up, diversified and digitally enabled distribution Multi-channel & Digitally enabled distribution Diversified & scaled distribution Diversified and provider and scaled networknetwork ➢ Agency: Scalable channel with 175 branch H1FY21 H1FY22 Diversified channel mix locations | Agency GWP ↑ +1.4
Slide 64: Pillars for achieving scale and differentiation
4 Pillars for achieving scale and differentiation ABHI Purpose – Empower & Motivate families to prioritize their health and live fulfilling lives Value creation at ABHI Differentiated Eco-system Business Model Development Data & Analytics Digital Copyright Content / 2016 Key Enablers Product Partner
Slide 65: Differentiated Business Model
Differentiated Business Model Attracting health conscious customers Keeping customer pools healthier Incentivized Upto 100% Distinctive Capabilities BIG DATA Wellness HealthReturnsTM to BIG DATA Risk Stratification WellBeingScore Know your health Personalized Health Index • 180+ data points captured
Slide 66: Eco-system Development
Eco-system Development Hyper-Personalized Ecosystem Development Engagement Chronic Care: Labs, Pharmacy, Pharmacy Consultation Pharmacy & Disease Diagnostic Pharmacy & Elder Care diagnostics Management diagnostics OPD Mindfulness Alert on any out Track your of range health status Dental parameter wi
Slide 67: Data & Analytics Initiatives
Data & Analytics A deeper understanding of CLTV – Acquisition /Retention Customer Themes Risk Management-UW & Fraud our customers / Cross sell Engagement/Wellness Acquisition – PASA Well being score Claims fraud based intervention detection engine 5Mn+ offers Customer Generated for ~Rs. 25 Cr. savin
Slide 68: Digital impact metrics for Health Insurance
Digital impact metrics for Health Insurance Progress on multiple vectors contributing to customer acquisition, retention & process efficiences Selling/ Onboarding Engagement Revenue Enablement 98% 12 Mn+ 28%+ 30 Mn ➢ Digital : API Integrations; 4- ➢ 24*7 self service through Welcome Calls click jour
Slide 69: Key Financials – Aditya Birla Health Insurance Limited
Key Financials – Aditya Birla Health Insurance Limited Quarter 1 Quarter 2 Figures in Rs Crore Half Year FY 21-22 FY 20-21 FY 21-22 Key Performance Parameters FY 20-21 FY 21-22 (CY) (PY) (CY) (PY) (CY) 260 246 270 Retail Premium 425 530 107 58 126 Group Premium 125 233 368 304 396 Gross Written Prem
Slide 70: Other Updates
Other Updates Aditya Birla Capital Limited 70
Slide 71: Other Financial Services Businesses
Other Financial Services Businesses Strong performance across financial metrics across these businesses Revenue ↑ 25% y-o-y PBT ↑ 49% y-o-y 267 ↑ 3.4x ↑ 1.6x 47 215 32 168 14 Q2 FY20 Q2 FY21 Q2 FY22 Q2 FY20 Q2 FY21 Q2 FY22 General Insurance Broking Stock & Securities Broking Asset Reconstruction Com
Slide 72: Consolidated Profit & Loss
Consolidated Profit & Loss Quarter 1 Quarter 2 Figures in Rs Crore Half Year FY 21-22 FY 20-21 FY 21-22 Consolidated Profit & Loss FY 20-21 FY 21-22 (CY) (PY) (CY) (PY) (CY) 4,299 4,595 5,593 Revenue 8,629 9,892 15% Profit Before Tax (before share of profit/(loss) 318 296 440 531 758 of JVs 80 64 89
Slide 73: 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 74: Disclaimer
Disclaimer 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 Birla Capital Limited, t