Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q3 FY25 Earnings Presentation
67 slides from Aditya Birla Capital's earnings presentation, Feb 3, 2025
Slide 1: Q3 FY25 Financial Results Investor Presentation
Q3 FY25 FINANCIAL RESULTS INVESTOR PRESENTATION Feb 3, 2025 A Leading Financial Services Conglomerate 01
Slide 2: Diversified Financial Services Platform
Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 52.6% 16.3% Aditya Birla Listed Capital Limited Listed 100% 100% 51% 45% 46% Aditya Birla Finance Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100
Slide 3: Highlights for Q3 FY25
ADITYA BIRLA CAPITAL Highlights for Q3 FY25 Aditya Birla Capital Ltd.
Slide 4: Financial performance
Financial performance Consolidated PAT at ` 708 Cr (Q3 FY24: ` 736 Cr) Consolidated Revenue1 at ` 10,949 Cr (↑ 10% y-o-y) Total lending2 portfolio of ` 1,46,151 crore (↑ 27% y-o-y & ↑ 6% q-o-q) Total AUM3 of ` 5,03,377 Cr (↑ 23% y-o-y) Gross premium4 of ` 16,942 Cr (↑ 25% y-o-y) in 9M FY25 1. Consol
Slide 5: Strong growth momentum across businesses
Strong growth momentum across businesses Life Health NBFC Housing Asset Management Insurance Insurance Loan Book1 AAUM Growth2 Premium Growth5 ` 1,19,437 crore ` 26,714 crore ` 3,83,911 crore ` 1,79,481 crore Individual FYP Gross Premium 21 y-o-y 62% y-o-y Domestic AAUM Equity AAUM 31% y-o-y 39% y-o
Slide 6: Consolidated Revenue and PAT
Consolidated Revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue1 Businesses (` crore) Q3 FY24 Q3 FY25 Y-o-Y 10% y-o-y 10,949 NBFC 767 805 5% 9,997 7,743 HFC 100 110 10% Asset Management 264 300 14% Q3 FY23 Q3 FY24 Q3 FY25 Life Insurance 52 43 17% Profit after tax Health
Slide 7: Omni Channel Architecture
Omni Channel Architecture... ABCD-D2C platform Robust & agile for customers Udyog Plus-B2B digital platforms platform for MSMEs B2D platform for channel partners One ABC 875 co-located branches Dedicated customer service locations across 245 locations managers for cross sell One Experience Channel 2
Slide 8: ABCD – Omnichannel D2C Platform
ABCD – Omnichannel D2C Platform Q3 FY25 - Key Feature Launches 4.1 Mn+ 2.0 Mn 24+ Travel Insurance UPI Lite App Customers1 VPAs1 Product Categories International travel insurance PIN-less payments up to ₹500 starting at ₹269 for 5 days Physical Gold Gifting App-Exclusive HI Product Convert DigiGold
Slide 9: Introducing Revamped ABC Servicing App
Introducing Revamped ABC Servicing App Unified Platform Single platform for customer servicing across 6 LOBs of ABCL Interoperability Interoperable across app and website User Centric Design Enhanced UI/UX with simplified login with mobile number Comprehensive Service Suite 100+ Services covering 95
Slide 10: UDYOG PLUS: Addressing 360o needs of MSMEs
UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Programs Financial Growth Solutions Solutions Business Lending Offline to Online • Unsecured business loans discovery • Pre-approved loans Account, HRMS & Supply Chain Payroll Software Financing Business • Channel Finance Networking • Vendor Fi
Slide 11: B2D platform: ABC Stellar
B2D platform:: ABC Stellar Seamless on-boarding Learning & Skill management ► Both DIY & assisted journey to onboard ► Interactive knowledge bot various the distributor with re-use of KYC products App tracker for application Marketing campaign management ► Visibility of customer application across ►
Slide 12: Aditya Birla Finance
ADITYA BIRLA CAPITAL Aditya Birla Finance 01 Aditya Birla Capital Ltd.
Slide 13: Performance Highlights for Q3 FY25
Performance Highlights for Q3 FY25 Retail, SME AUM1 NII3 PBT GS2 & GS34 & HNI loans2 ₹ 77,011 crore ₹ 1,19,437 crore ₹ 1,734 crore ₹ 805 crore 4.25% (64% of AUM) ↑ 21% Y-o-Y ↑ 16% Y-o-Y ↑ 5% Y-o-Y ↑ 5% Y-o-Y ↓ 60 bps Y-o-Y ↑ 4% Q-o-Q ↑ 3% Q-o-Q ↑ 1% Q-o-Q ↓ 5% Q-o-Q ↑ 1 bps Q-o-Q 445 branches as of
Slide 14: Strong Growth in AUM
Strong Growth in AUM… AUM (₹ crore) Dec’23 Sep’24 Dec’24 Dec’24 Mix Q-o-Q Y-o-Y - Unsecured business 9,990 11,020 11,196 9% 2% 12% - Secured business 39,707 52,207 54,402 46% 4% 37% Total Business loans 49,697 63,228 65,598 55% 4% 32% Personal & Consumer loans 19,606 15,793 15,520 13% -2% -21% Corpo
Slide 15: Growth Momentum in Business Loans
Growth Momentum in Business Loans Personal & Consumer 21% y-o-y Secured business 37% y-o-y 19,606 52,207 54,402 Total 3% 4% LAS 16% 15,793 15,520 17% CL - Others 39,707 2% 2% TL / WCDL CL - BNPL 22% 22% 14% PL 93% LRD 5% 4% 98% 25% 98% LAP 7% 57% 58% 54% Dec-23 Sep-24 Dec-24 Dec-23 Sep-24 Dec-24 Uns
Slide 16: Well Diversified Product Portfolio
Well Diversified Product Portfolio Segment Personal & Consumer Unsecured Business Secured Business Corporate / Mid-Market Presence Semi-urban Semi-urban Semi-urban / SME Clusters Top 6-7 Cities Sourcing DSA + Direct + Ecosystems DSA + Ecosystems DSA + Direct Relationship (Direct) ATS1 PL: ~ 1.9 Lac
Slide 17: Strong Digital Adoption in Customer Sourcing and Servicing
Strong Digital Adoption in Customer Sourcing and Servicing Customer EMIs Collected Digital Service Email BOT Onboarding 93% Digitally 98% Interactions 92% Accuracy 90% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Inbound contact center Significant
Slide 18: Customer Profile
Underwriting Approach in Personal and Consumer Loans Bureau Score Buckets Underwriting Approach ❖ Utilization of Scorecard for better Customer Selection 2% 56% 5% ❖ Usage of Alternate Data in credit decisioning Customer Profile ❖ STP process for faster TAT 37% ❖ Usage of behavior based Predictive Mo
Slide 19: Prudent Risk Management Practices
Prudent Risk Management Practices… Dec’23 Sep’24 Dec’24 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.15% 93,667 95.76% 1,09,365 95.75% 1,12,697 Stage 2 2.26% 2,225 1.74% 1,989 1.98% 2,329 Stage 3 2.59% 2,552 2.50% 2,851 2.27% 2,674 Stage 2 and 3 4.85% 4,777 4.24% 4,839 4.25% 5,003 Total Loan
Slide 20: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Cumulative Outflows Cumulative Inflows 100% 100% Funding Mix 87% 83% 3% 4% 9% 8% 8% 9% 46% 39% 53% 51% 21% 26% 26% 16% 19% 28% 11%14% 7% 9% 0 - 1 Month 1 - 2 Months 2 - 3 Months 3 - 6 Months 6 – 1 year 1 - 5 years > 5 years Dec’23 Dec’24 Term Loan NCD C
Slide 21: P&L and Key Ratios - Aditya Birla Finance
P&L and Key Ratios - Aditya Birla Finance Profit & Loss Statement (₹ crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Net Interest Income^ 6,296 1,649 1,711 1,734 4,603 5,154 Operating Expenses 1,957 532 531 541 1,406 1,580 Credit Provisioning 1,352 350 336 388 1,003 1,092 Profit Before Tax 2,987
Slide 22: Our Approach
Our Approach DELIVER 25% GROWTH IN AUM & SUSTAINABLE ROA IN MEDIUM TERM Scale up Udyog Plus – Share of secured loan ABG/ABC ecosystem STP and N-STP ENABLERS B2B Ecosystem book (Focus on MSME) synergies across product sourcing through digital segments journeys Wallet share through newly lau
Slide 23: Aditya Birla Housing Finance
Aditya Birla Housing Finance 02 3
Slide 24: Performance Highlights for Q3 FY25
Performance Highlights for Q3 FY25 Disbursement AUM NII1 GS3 PBT ₹ 4,750 crore ₹ 26,714 crore ₹ 290 crore 0.99% ₹ 110 crore ↑ 136% Y-o-Y ↑ 62% Y-o-Y ↑ 39% Y-o-Y ↓ 119 bps Y-o-Y ↑ 10% Y-o-Y ↑ 18% Q-o-Q ↑ 15% Q-o-Q ↑ 6% Q-o-Q ↓ 30 bps Q-o-Q ↑ 6% Q-o-Q 1.77% Stage 2 and 3 Loans 13% ABG ecosystem 1.42%
Slide 25: Continued growth in disbursements and AUM
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 136% y-o-y 4,750 62% y-o-y 4,010 16,538 23,236 26,714 9.7% 12.5% 13.5% 7.3% 9.3% 9.8% 33.5% 29.9% 29.2% 2,016 17.4% 19.2% 19.5% 32.2% 29.0% 28.0% Q3 FY24 Q2 FY25 Q3 FY25 Q3 FY24 Q2 FY25 Q3 FY25 Prim
Slide 26: With focus on portfolio quality
…with focus on portfolio quality Particulars Dec’23 Sep’24 Dec’24 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 96.46% 15,615 97.78% 21,717 98.23% 24,815 Stage 2 1.36% 220 0.92% 205 0.78% 197 Stage 3 2.18% 354 1.30% 288 0.99% 251 Stage 2 and 3 3.54% 574 2.22% 493 1.77% 447 Total 100.0% 16,188 100.0% 22,210
Slide 27: Strong balance sheet with well-matched ALM
Strong balance sheet with well-matched ALM ALM optimised for liquidity and costs Borrowing Mix (on Dec 31, 2024) Cumulative Outflows Cumulative Inflows Dec-23 Dec-24 100%100% 10% 12% 82%81% 42% 35% Term Loan NHB 35% 25% 30% NCD 23% 16%17% 19% Others 13%14% 39% 7% 8% 0-1 months 1-2 months 2-3 months
Slide 28: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Net Interest Income (Incl. fee income) 815 209 273 290 604 791 Operating expenses 443 113 157 169 320 462 Operating profit 372 96 116 121 284 328 Credit provisioning -5 -4 12 11 3 30 Profit befor
Slide 29: Our Approach
Our Approach Growth Accelerate growth in prime & affordable segments with average ticket size of ₹ 25 – 30 lacs Growth to be augmented by ABG ecosystem Growth To be the most preferred choice of our customer Service Business loans Digital capabilities for seamless customer onboarding and servicing Se
Slide 30: Aditya Birla Sun Life AMC
ADITYA BIRLA CAPITAL Aditya Birla Sun Life AMC 03 Aditya Birla Capital Ltd.
Slide 31: Performance Highlights for Q3 FY25
Performance Highlights for Q3 FY25 Mutual fund Equity Operating Operating QAAUM1 QAAUM1 Revenue PBT PAT ₹ 3,83,911 crore ₹ 1,79,481 crore ₹ 445 crore ₹ 261 crore ₹ 224 crore Market share Market share2 4.35% ↑ 30% Y-o-Y ↑ 42% Y-o-Y ↑ 7% Y-o-Y 6.24% Mix 46.8% Individual MAAUM Monthly SIP3 flows Servic
Slide 32: Strong growth in AUM
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 23% y-o-y 17% y-o-y 3,12,293 3,72,434 3,66,044 3,24,651 4,00,396 4,00,941 1,003 839 49,579 45,863 16,084 16,191 965 62,086 58,122 40,475 12,176 1,39,097 1,46,958 49,752 1,40,565 1,46,3
Slide 33: Backed by robust growth in retail franchise
…backed by a robust growth in retail franchise Individual B-30 Building sustainable Long Tenure (2) MAAUM MAAUM SIP (1) flows SIP Book SIP Flows in # of Live Outstanding 19% y-o-y 24% y-o-y ₹ Crore SIPs (Mn) % Count of Total SIPs 68,968 95% 1,97,331 38% 34% 89% 1,66,316 55,458 1,382 4.35 1,005 3.24
Slide 34: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q3 FY24 Q3 FY25 Fund Raising underway ABSL India Special Opportunities Fund ABSL Structured Opportunities Fund II ` 3,853 Cr PMS/AIF ` 3,853 Cr ` 2,671 Cr ↑ 44% Product Pipeline INR 7,861 Cr ABSL Money Manager Fund Offshore Q3 FY24
Slide 35: Building Passive Business
Building Passive Business Passive AUM1 ` 31,646 Cr ~10,68,000 Investor Folios Serviced 5x growth since Dec-21 Dec-2024 Dec-2021 INR 7,861 Cr ` 5,302 Cr Rank 1 ↑ 6x ` 31,646 Cr In Debt Index2 52 Extensive product bouquet ETF AUM Index AUM FOF AUM 2x growth since Dec-21 ` 1,076Cr ↑7x ` 7,587 Cr ` 3,18
Slide 36: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 8,000 + new MFDs in 9M FY25 300+ Locations 89,000+ 90+ 95+ 350 130+ MFDs Banks Emerging Market National Digital Over 80% are Locations Distributors Partners in B30 cities Servicing Investors across 19,000+ Pan-India pin
Slide 37: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Revenue from Operations 1,353 341 424 445 988 1,256 Costs 632 157 185 184 460 546 Operating Profit 721 184 239 261 528 710 Other Income 287 80 96 39 213 230 Profit before tax 1,008 264 335 300 741 940 Tax 228 54 93
Slide 38: Our Approach
Our Approach Scale up retail franchise and diversify product offerings Focusing on Direct/HNI Channel to provide incremental growth Retail Drive growth in SIP flows franchise Focus on scaling alternative assets business including AIF, PMS and Real Estate New product launches in equity and fixed inco
Slide 39: Aditya Birla Sun Life Insurance
Aditya Birla Sun Life Insurance 39
Slide 40: Performance Highlights for 9M FY25
Performance Highlights for 9M FY25 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 2,595 cr ` 4,036 cr ` 13,605 cr ` 97,286 cr 10.83% ↑ 31% Y-o-Y ↑ 32% Y-o-Y ↑ 23% Y-o-Y ↑ 19% Y-o-Y ↓ ~474 bps Y-o-Y NB Policies growth at 28% Renewal Premium ↑ 13% Opex Ratio3 at 20.8% 40 1.Single premium @ 10%
Slide 41: Outperformed industry growth in individual and group segments
Outperformed industry growth in individual and group segments Individual FYP1 (Single Premium at 10%) Group FYP (Single Premium at 100%) ABSLI Private Players Industry ABSLI Private Players Industry Y-o-Y Growth ↑ 31% ↑ 19% ↑ 14% Y-o-Y Growth ↑ 32% ↑ 9% ↑ 7% 2 Yr CAGR ↑ 19% ↑ 15% ↑ 11% 2 Yr CAGR2 ↑
Slide 42: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 4,700+ 380+ 62,600+ 111 26,600+ Cities Own Branches Agents Banca Tie-ups Bank Branches Strong growth across channels Channel Mix Product Mix by Channel (9M FY25 FYP ` In Cr) (9M FY25) Proprietary Partnership Protection Traditional ULIP 34% 5% 2% 30% 36% 38
Slide 43: Product Mix and VNB margin
Product Mix and VNB margin Product Mix VNB ` crore 2% 3% 3% 15.5% 23.0% 15.6% 20.2% 10.8% 17-18% Protection 62% Traditional 77% 77% 800 ULIP 697 345 320 324 35% 21% 21% 9M FY23 9M FY24 9M FY25 9M FY23 FY23 9M FY24 FY24 9M FY25 FY25E NAP Income Advance Insta Digi Plan – Group 2 Retail Protection Prod
Slide 44: Strong digital adoption
Strong digital adoption leading to… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 82% Servicing 93% New Business 34% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 82% WhatsApp & Chatbot PASA1 contributed 34% proc
Slide 45: Consistent improvement in persistency and efficiency
…consistent improvement in persistency and efficiency Total Renewal Premium Persistency1 Opex Ratio2 ( ` crore) Renewal Growth Digital Renewal Improving Persistency across all Controlled Operating expenses cohorts ↑ 13% 14% Y-o-Y 82% 77%3 9M FY25 9M FY24 9M FY23 Δ 2Y 16% - 2Yr CAGR 87% 1% 20.8% 13 M
Slide 46: Robust investment process and performance
Robust investment process and performance… Asset Under Management (in ` Cr) Composition of AUM 20% - 2Yr CAGR 97,286 2% Debt 82,043 25% 67,989 24% Equity 75% 74% 75% 25% 26% 25% Dec’22 Dec’23 Dec’24 49% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer Ma
Slide 47: P&L and Key Ratios - Aditya Birla Sun Life Insurance
P&L and Key Ratios - Aditya Birla Sun Life Insurance (` crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Individual First year Premium1 3,546 883 1,074 1,133 2,230 3,014 Group First year Premium 4,554 1,089 1,336 1,202 3,048 4,036 Renewal Premium 9,160 2,302 2,261 2,613 5,823 6,555 Total Gross Pr
Slide 48: Our Approach
Our Approach Growth Grow traditional products including protection in retail segment Focus on growing credit life in group segment Continue to make investments in Direct channel Growth Invest in PSU relationships and New relationships to grow mindshare Mitigate interest rate risk by Active forward r
Slide 49: Aditya Birla Health Insurance
Aditya Birla Health Insurance 49
Slide 50: Performance Highlights for 9M FY25
Performance Highlights for 9M FY25 Market Combined GWP1 Share PBT2 Ratio ` 3,337 crore1 12.0% SAHI ` (195) crore 2 114% 10.7% LY (270) Crore 121% ↑ 39% Y-o-Y ↑ 138 bps LY LY ▪ 9M FY25 GWP with 46% YoY ▪ 32%1 YoY Diversified retail ▪ Robust financial performance growth at Rs. 3,505 crore growth acros
Slide 51: Performance Highlights for 9M FY25
Performance Highlights for 9M FY25 1 We are consistently fastest growing player in SAHI 2 Our Market share increased 3 Market Accretion at par with SAHI 3 55 50 Impact of MY accounting1 Incremental SAHI 45 regulation change GWP YTD Dec’24 4.2K Crs 40 35 Player FY24 FY25 30 SAHI 1 1,530 1,325 25 SAHI
Slide 52: Scaled-up, diversified and digitally enabled distribution
Scaled-up, diversified and digitally enabled distribution 5000+ 225+ 134K+ 19 5,700+ 12K+ Cities Branches Agents Bank Sales Force Network Partners Hospitals Channel Mix1 Product Mix Non-Metro GWP2 Proprietary 30% 28% Metro 28% 30% Indemnity 82% 82% 73% 69% Partnerships 70% 72% Non - Metro 72% 70% Fi
Slide 53: Distribution Mix and Business Growth
Distribution Mix and Business Growth Highly Diversified Distribution Mix +32% 1695 YoY Proprietary Retail GWP1 (` Crores) Focus on scaling Proprietary channel | Increase in Agent Proprietary2 25% count 1280 482 Delivered Channels Banca Robust 387 Deepened existing partner growth in 553 Banks 27% rel
Slide 54: Digital Delivery
Digitally powered health first Differentiated Model Model Know your Health Improve your Health Get Rewarded Health Assessments Lives Intervened Eligible Customers earning HR* Scale Dec’24 4 3.5L+ Dec’24 1 1.14L+ Dec’24 8.4% Sep’24 3L+ Sep’24 1L+1 7.4% Sep’24 Jun’24 2.7L+ Jun’24 1L+ Jun’24 6.6% Dec’2
Slide 55: Persistency
Driving Higher Engagement for better outcomes Loss Ratio* of physically active customers Customers earning higher health Persistency of physically active is significantly lower than Inactive returns have lower loss ratios* customers is higher than inactive Loss Ratio 107% 100% 0-0.5K Health Returns
Slide 56: High Risk Customer Intervention – Outcomes
High Risk Customer Intervention – Outcomes Risk Stratification (WBS) for 17.8L+ customers | 2.54L+ High Risk customers Identified | 1.14L+ High Risk Customers Intervened Improved Biometrics* Customer experience Financial Impact 48.5% 5%+ 25% Better loss ratio1 Blood Sugar Values Members doing in Int
Slide 57: Activ Health App as a key enabler in engagement
Activ Health Resulting App as aleading in industry key enabler in Health First Proposition engagement “One-stop Solution” for Health and Wellness needs Superior customer engagement App exclusive Benefits Inhouse built native App 85 Mins Digital Health Challenges led Engagement time/user/month Assess
Slide 58: Key Initiatives & Wins
Adopting Digital approach across multiple focus areas Revenue Engagement Digital Servicing Focus ▪ Freemium for client acquisition ▪ Leveraging Inhouse & Partner ▪ Simplified and contextual journey ▪ Simple, intuitive Buy Journeys Ecosystem ▪ Omnichannel bot ▪ Digital capability to Cross Sell ▪ Hype
Slide 59: Leveraging Data Science across Customer Lifecycle
Leveraging Data Science across Customer Lifecycle Expected Business Outcomes Customer Health Revenue Boost Risk Management Customer Service Revenue Boost Retention Management • 150+ Cr saved through GenAI Enabled enhanced fraud detection Retention Model for Claim Propensity for Customer Real-Time Re
Slide 60: Business Outcomes
Business Outcomes Revenue (` Cr.) 1 Lives covered (Mn) Retail Retail and Group Rural Group (incl. Rural) +34% Byte 25 3337 6 21 19 2399 1860 1695 7 1280 13 12 1074 7 1120 1642 4 785 6 7 3 9M FY23 9M FY24 9M FY25 9M FY23 9M FY24 9M FY25 Combined Ratio2 Profit Before Tax3 (` Cr.) 121% -270 -217 114% 1
Slide 61: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (` crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Retail premium 1,915 472 666 477 1,280 1,695 Group Premium (Incl rural) 1,786 367 464 689 1,120 1,642 Gross written premium 3,701 839 1,130 1,167 2,399 3,337 Revenue (Ind AS) 3,450 790 1,088 1,093 2,239 3,161
Slide 62: Our Approach – Health First Data-driven Model
Our Approach – Health First Data-driven Model Attract Young & Healthy Customer Target Segment Differentiated Health Incentivize customers for healthy behavior First approach Data driven approach for superior customer understanding Diversified Distribution with growth focus on Proprietary Business In
Slide 63: Other Updates
ADITYA BIRLA CAPITAL Other Updates 63 Aditya Birla Capital Ltd.
Slide 64: Other financial services businesses
Other financial services businesses Revenue Revenue 59% y-o-y PBT 16% y-o-y 306 410 95 80 57 167 Q3 FY23 Q3 FY24 Q3 FY25 Q3 FY23 Q3 FY24 Q3 FY25 Stock & Securities Broking ARC platform Q3 FY24 Q3 FY25 Δ Q3 FY24 Q3 FY25 Δ # Customers (Active) 0.8 Lac 1.0 Lac ↑ 21% Closing AUM 2,906 1,193 ↓ 59% Revenu
Slide 65: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) FY24 Q3 FY24 Q2 FY25 Q3 FY25 9M FY24 9M FY25 Revenue 33,454 8,585 10,119 9,370 23,161 28,146 Profit Before Tax (before share of profit/(loss) of JVs 3,725 996 1,126 957 2,764 3,030 Add: Share of Profit/(loss) of associate and JVs 304 45 79 62 161 223
Slide 66: Thank You
ADITYA BIRLA CAPITAL THANK YOU 66 Aditya Birla Capital Ltd.
Slide 67: 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