Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q1 FY22 Earnings Presentation
73 slides from Aditya Birla Capital's earnings presentation, Aug 5, 2021
Slide 1: Intimation of investor presentation to stock exchanges
ADITYA BIRLA CAPITAL PROTECTING INVESTING FINANCING ADVISING 5 August 2021 BSE Limited The National Stock Exchange of India Ltd Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalai Street, Plot. C/1, G-Block, Mumbai 400 001 Bandra-Kurla Complex, Bandra (East), Scrip Code: 540691 Mumbai 400 05
Slide 2: Investor Presentation Financial Results Q1 FY22
Investor Presentation ADITYA BIRLA FINANCIAL RESULTS: Q1 FY22 CAPITAL MUMBAI PROTECTING INVESTING FINANCING ADVISING 5th August 2021 A Leading Financial Services Conglomerate Aditya Birla Capital Limited 1
Slide 3: Table of contents
Table of contents ADITYA BIRLA CAPITAL 1 | Overview Pg. 3 - 11 2 | Business-wise Performance Pg. 12 - 66 3 | Other Updates Pg. 67 - 72 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: A
Slide 4: Q1 FY22 Key Highlights
Q1 FY22 | Key Highlights ADITYA BIRLA CAPITAL Strong growth across businesses leading to Consol. ABCL PAT AMC PBT at Rs 206 Crore, ↑ 58% y-o-y; PBT/ AAUM at 30 bps ü for Q1 at Rs 302 Crore with 52% growth y-o-y ü (PY: 24 bps) led by equity mix increasing to 37% (PY: 34%) Life Insurance Ind. FYP ↑ 5%
Slide 5: Strong financial performance
Strong financial performance ADITYA BIRLA CAPITAL C Financial performance better than pre Covid levels C Business-wise profitability _44 Revenue1 ↑ 8% y-o-y Businesses (INR Crores) Q1 FY21 Q1 FY22 NBFC 189 315 4,632 Asset Management 130 206 4,292 3,943 Life Insurance 29 31 3,424 Housing 36 49 Genera
Slide 6: Progress against long term targets
Progress against long term targets ADITYA BIRLA CAPITAL Targets for FY24 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Y-o-Y Retail + SME mix targeted at ~65% 50% 52% 53% 56% 58% ↑ 8% NBFC NIMs to increase to 6.25%+ 4.8% 5.3% 5.2% 6.0% 6.1% ↑ 131 bps RoA: 2.5 – 2.7% 1.2% 1.4% 1.7% 2.2% 2.0% ↑ 81 bps Affor
Slide 7: Advantages of the ABC platform
Advantages of the ABC platform ADITYA BIRLA CAPITAL A L • Mb L • Alb Diversified platform allowing us to capitalize on multiple opportunities and delivering strong earnings through the cycle it Strong parentage and brand with recall and appeal across the country Our Scale as of Jun’21 Rs 3.43 Lac Cr
Slide 8: Leveraging digital technology
Leveraging digital technology ADITYA BIRLA CAPITAL Leverage digital for Digital self-service Digital assets for 0 Scalability & customer acquisition channels for customer distributor automation & onboarding convenience Enablement Ecosystem Integration zez One ABC App Distributor Productivity z01 Foc
Slide 9: Mobile App with 250 Services across products
Mobile App with 250 Services across products ADITYA BIRLA CAPITAL Launched ABC MOBILE APP MONEY PLANNER CAN YOUR DREAM BECOME Now Managing jA DREAM COME TRUE? Your Money Is As Simple As MI MC 1101C Power in the hands of customers with First of its kind robotic advisory tool that 411-4 unified mobile
Slide 10: Leveraging Ecosystems for acquiring customers at scale
Leveraging Ecosystems for acquiring customers at scale ADITYA BIRLA CAPITAL Partner ecosystems Cloud Infrastructure OUTCOMES Banking & Ecommerce Contact Channel 150+ ecosystem partners, including banks, Finance Cos Centre Mgmt. digitally enabled across ABC as of Jun’21 Payment Fraud AI/ML 50%+ purch
Slide 11: Digital impact metrics
Digital impact metrics ADITYA BIRLA CAPITAL Progress on multiple vectors across businesses as a result of digital focus All metrics are for Q1 FY22 unless specified REVENUE ENABLEMENT 50%+ 90%+ 80%+ 90%+ 89% of customers Customers Welcome Calls to payments and purchase through digital acquired throu
Slide 12: Leveraging synergies across the platform
Leveraging synergies across the platform ADITYA BIRLA CAPITAL 1 1 Branch Network synergies Ø Co-locating businesses to drive synergies e 2 Distribution synergies Ø ABC SELECT ADVISOR PLATFORM is a unique platform for advisors of individual LOBs to become ‘Complete Money Ø Improves real-estate space
Slide 13: NBFC
NBFC Aditya Birla ADITYA BIRLA Finance Ltd. .JCAPITAL Aditya Birla Capital Limited 12
Slide 14: 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 Ø Due to lockdown, loan book flat y-o-y at Rs 45,881 Crore; However, Retail + SME Ø NIM increased 131 bps y-o-y to highest level of 6.14%; Net Interest I
Slide 15: Change in loan book mix with focus on target segments
Change in loan book mix with focus on target segments ADITYA BIRLA CAPITAL Change in Loan Book Mix Focusing new disbursement to Retail and SME Segments SME + Retail + HNI book SME + Retail + HNI mix Disbursement SME + Retail + HNI 15% ↑ Y-o-Y 50% à 58% 1.9x ↑ Y-o-Y 3.4x ↑ Y-o-Y 45,939 48,689 45,881
Slide 16: Continue to deliver strong core operating profits
Continue to deliver strong core operating profits ADITYA BIRLA CAPITAL Margin improvement led by change in product mix CIR reduction of 102 bps y-o-y NIM %: QoQ: ↑ 15 bps YoY: ↑ 131 bps Net Interest Income1,3 31.66% 30.56% 29.54% 0.45% 0.30% 0.08% CIR1,2 Fee Income 5.54% 5.84% o Core NIM 4.74% Q1 FY
Slide 17: Continued focus on quality of book
Continued focus on quality of book ADITYA BIRLA CAPITAL Gross Stage 3 % Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins ↑ 4 bps Y-o-Y Δ: ↑ ~4% Y-o-Y ↓ 12 bps Y-o-Y ↑140 bps Y-o-Y Core Credit Cost % . NIM (adj. Credit Cost) % MI GS3 Provision MO NS3 42.7% 4.46% 3.64% 2.21% 3.60% 38.6% 2.09% 3.06% 1
Slide 18: Adequate provisioning and security cover across segments
Adequate provisioning and security cover across segments ADITYA BIRLA CAPITAL 1.7x Net Security Cover1 Security Net Security Customer Segment GS3 Provision NS3 1' Value Cover1 § 78% of total loan book secured. ~Additional 3.2% secured through CGTMSE scheme, making over 80% of book secured. SME 302 1
Slide 19: Building granularity across segments
Building granularity across segments ADITYA BIRLA CAPITAL Loan book 8,678 11,326 11,252 Loan book 12,541 14,107 13,530 % Mix 19% 23% 25% % Mix 27% 29% 29% ATS (Rs Lakhs) 5 5 4 ATS (Rs Crore) 5 5 5 :; Customers (#) - Lacs 1.7 2.1 3.0 Customers (#) 2,343 2,580 2,996 4% 3% 3% 10% 9% 7% Retail LAS Suppl
Slide 20: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ADITYA BIRLA CAPITAL ALM optimised for liquidity and costs (As on 30th June 2021) Adequate liquidity under stress test scenario 100%100% Cumulative Outflows Liability Maturity (Jun’22) Fund Available as on 30th Jun 2022 (Including interest payments) (Assuming
Slide 21: Digital impact metrics in NBFC business
Digital impact metrics in NBFC business ADITYA BIRLA CAPITAL Progress on multiple vectors contributing to customer acquisition, service & process efficiencies Sourcing Collections Revenue 100% 60%+ 4.1 Lac Enablement • Fully agile tech stack for customer § ABFL Re-payment hub activated though digita
Slide 22: End-to-End Digital Onboarding for Personal & Business Loans
End-to-End Digital Onboarding for Personal & Business Loans ADITYA BIRLA CAPITAL 100% digital onboarding process enabled for personal and business loans dr= Application on Verification Decision Fraud Approval & Disbursal Partner site/App & Digital KYC Engine Checks Agreement • • • . ........... Enab
Slide 23: Value accretive growth
Value accretive growth ADITYA BIRLA I.'JCAPITAL PAT Return on Assets Return on Equity1 ↑ 1.7x ↑ 82 bps 2.0% ↑ 391 bps 235 11.0% 140 1.2% 7.1% Copyright Content / 2016 Q1 FY21 Q1 FY22 Q1 FY21 Q1 FY22 Q1 FY21 Q1 FY22 1 Based on monthly compounding of annualised RoE Aditya Birla Capital Limited 22
Slide 24: Key Financials – Aditya Birla Finance Limited
Key Financials – Aditya Birla Finance Limited ADITYA BIRLA CAPITAL Quarter 4 Figures in Crs Quarter 1 FY 20-21 FY 20-21 FY 21-22 Key Performance Parameters (PY) (PY) (CY) 48,689 Lending book 45,939 45,881 11.85% Average yield (Incl. Fee Income) 11.64% 11.80% 5.87% Interest cost / Avg. Lending book 6
Slide 25: Housing Finance
Housing Finance Aditya Birla Housing ADITYA BIRLA Finance Ltd. CAPITAL Aditya Birla Capital Limited 24
Slide 26: 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 Ø Gross disbursals at Rs 321 Crore; Healthy pick-up in July logins ↑ 53% y-o-y; Ø NIM highest at 4.24% (↑ 97 bps y-o-y); NII at Rs 116 Crore
Slide 27: Disbursement pick up with focus on target segments
Disbursement pick up with focus on target segments ADITYA BIRLA CAPITAL Growing loan book with increased retail mix Strong disbursements revival in target segment Retail Mix Affordable Gross Disbursal Affordable 2Y: 93% à 95% 2x over 2 yrs ↑ 3x Y-o-Y 1Y: 43% à 58% 12,134 11,869 11,301 Gross Disbursa
Slide 28: Balanced geographic and product mix
Balanced geographic and product mix ADITYA BIRLA CAPITAL Diversified Geographic Mix (%) Focus on increasing reach and building retail granularity Metros Non-Metros Home Loans Sourcing 41% 42% 42% 4,319 Non-metro loan 3,647 3,664 3,558 book mix at 49% 12% 10% 10% 75 branches currently operational pan
Slide 29: Increase in core profits driven by margins and control on cost
Increase in core profits driven by margins and control on cost ADITYA BIRLA I.'JCAPITAL Margin improvement led by change in product mix Reduction in CIR NIM: ↑ 97 bps Y-o-Y | ↑ 39 bps Q-o-Q CIR : ↓ 10% Y-o-Y | ↓ 3% Q-o-Q Net Interest Income1 Rs Crore Cost Income Ratio 45.7% 116 38.6% 35.3% 105 84 Q1
Slide 30: Continued focus on quality of book
Continued focus on quality of book ADITYA BIRLA CAPITAL Gross Stage 3 % Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins Δ: ↑ 88 bps Y-o-Y Δ: ↑ 130 bps Y-o-Y Δ: ↑ 58 bps Y-o-Y Δ: ↑ 37 bps Y-o-Y GS3 Provision NS3 Core Credit Cost % . NIM (adj. Credit Cost) % 1.39% 2.08% 33.5% 32.3% 3.10% 2.73% 1.20%
Slide 31: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ADITYA BIRLA CAPITAL ALM optimised for liquidity and costs (As on 30th June 2021) Adequate liquidity under stress test scenario Liability Maturity (Till June’22) Funds available as on June 30, 2021 100%100% Assuming 50% collections Including interest payments
Slide 32: Digital impact metrics in Housing Finance
Digital impact metrics in Housing Finance ADITYA BIRLA CAPITAL Progress on multiple vectors contributing to customer acquisition, service & process efficiencies Sourcing Underwriting Revenue 90% 45%+ 40%+ § Central Processing Hub for data Enablement § Frontline equipped with digital on- customers On
Slide 33: Value accretive growth
Value accretive growth ADITYA BIRLA I.'JCAPITAL PAT Return on Assets Return on Equity1 ↑ 2.3% 10.5% ↑ 39% 39 ↑ 43 bps 1.3% 28 0.92% 8.2% Copyright Content / 2016 Q1 FY21 Q1 FY22 Q1 FY21 Q1 FY22 Q1 FY21 Q1 FY22 1 Based on monthly compounding of annualised RoE Aditya Birla Capital Limited 32
Slide 34: Key Financials – Aditya Birla Housing Finance Limited
Key Financials – Aditya Birla Housing Finance Limited ADITYA BIRLA CAPITAL Quarter 4 Figures in Rs Crore Quarter 1 FY 20-21 Key Performance Parameters FY 20-21 FY 21-22 (PY) (PY) (CY) 11,869 Lending book 12,134 11,301 10.19% Average yield 10.36% 10.34% 6.41% Net Interest cost / Avg. Loan book 7.16%
Slide 35: Asset Management
Asset Management Aditya Bide Sun Life ADITYA BIRLA AMC Ltd. CAPITAL Aditya Birla Capital Limited 34
Slide 36: Performance Summary | Asset Management
Performance Summary | Asset Management | ABSL Asset Management Co 1 Maintaining leadership and Market share 2 Momentum in AUM growth and value accretive mix Ø Largest non-bank affiliated AMC with AAUM market share1 at 9.12% and Ø Solid revival in AUM reaching Rs 3 Lac Crore milestone in July 21; Bac
Slide 37: Rebound in AUM growth
Rebound in AUM growth I.'JCAPITAL ADITYA BIRLA 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 ↑ 30% Y-o-Y ↑ 38% Y-o-Y ↑ 37% Y-o-Y ↑ 27% Y-o-Y ↑ 42% Y-o-Y 37% (PY:
Slide 38: Strong retail franchise
Strong retail franchise ADITYA BIRLA CAPITAL Retail KPIs # of Folios Individual AAUM B-30 AAUM Size Rs 1,33,353 Crore Rs 44,701 Crore 7.2 mm AAUM Mix(1) 47.0% (PY: 45.7%) 15.8% (PY: 15.3%) Market Share 6.9% 7.3% 8.0% Folios in Mn Rs. Crore Rs. Crore Maintained Folio # ↑ 30% ↑ 30% 1,33,353 44,701 7.2
Slide 39: Strong and sustained rebound in SIP
Strong and sustained rebound in SIP ADITYA BIRLA CAPITAL SIP AUM Strong revival in new SIP registrations All figures in Rs. Cr SIP AUM SIP AUM % Equity SIP Registration # SIP Tenure1 ↑ 43% Y-o-Y ↑ 1% Y-o-Y ↑ 91% Y-o-Y Gain across cohorts % of Total SIP Count ↑ 1.4x 45,692 . Jun-19 86% . Jun-20 2,04,
Slide 40: Strong performance vs. Listed peers
Strong performance vs. Listed peers ADITYA BIRLA CAPITAL Overall AAUM Equity AAUM Folio Growth 5Y CAGR: Q1 FY17 à Q1 FY22 5Y CAGR: Jun-16 à Jun-21 5Y CAGR: Mar-16 à Mar-21 2nd Highest Amongst Peers Highest Amongst Peers Highest Amongst Peers 24.3% 18.9% 19.3% 13.1% 12.0% 6.3% ABSLAMC Listed Peers AB
Slide 41: Digital impact metrics in Asset Management
Digital impact metrics in Asset Management ADITYA BIRLA CAPITAL Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to sell Scalability Servicing Revenue 89% 59%+ 81% Rs 3.4k Cr • Robust on-boarding platform Enablement § Enabled SIP’s in Liquid fund C
Slide 42: Digital Self Service – New Age Investor App for Mutual Fund
Digital Self Service – New Age Investor App for Mutual Fund ADITYA BIRLA CAPITAL Make investing experience the best with all new ABSLMF Investor App I I CAPITAL I Systematic Corner Biro Metric Multi Account ABSLMF with holistic view Authentication Login Investor App • 7 r Copyright Content / 2016 I
Slide 43: Driving sales productivity with use of technology
Driving sales productivity with use of technology ADITYA BIRLA CAPITAL ce 10/ Distributor 360 view Activity Tracker Service Requests Documentation Engagement Nudges Expense Manager RMs can now view Schedule activities Create service tickets and View all scheme and Nudge RMs to schedule Allows RMs to
Slide 44: Large and well-diversified distribution network
Large and well-diversified distribution network V, ADITYA BIRLA CAPITAL One of the largest empaneled distributor base (1) | Continue to expand distributor base and empaneled 1150+ new MFDs in Q1 FY22 280+ 66,000+ 100+ 90 240+ Locations(3) MFDs Banks Emerging Market National Representatives Distribut
Slide 45: Key Financials – Aditya Birla Sun Life AMC Limited
Key Financials – Aditya Birla Sun Life AMC Limited ADITYA BIRLA CAPITAL Quarter 4 Figures in Rs Crore Quarter 1 FY 20-21 Key Performance Parameters FY 20-21 FY 21-22 (PY) (PY) (CY) 2,69,278 Domestic AAUM 2,14,592 2,75,454 96,934 Domestic Equity AAUM 72,478 1,02,678 9,522 Alternate and Offshore Equit
Slide 46: Life Insurance
Life Insurance Aditya Birla Sun Life ADITYA BIRLA Insurance Co. Ltd. CAPITAL Aditya Birla Capital Limited 45
Slide 47: Performance Summary | Life Insurance
Performance Summary | Life Insurance | ABSL Insurance Co 1 Strong growth in business 2 Improvement on all quality vectors Ø Continuous improvement in persistency across all cohorts over last 2 years: Ø Individual FYP ↑ 5% y-o-y on the back of 5% growth in Q1 FY21 Ø 13th Month at 83% (↑ 2%): 61st Mon
Slide 48: Strong growth in New Business Premium
Strong growth in New Business Premium ADITYA BIRLA CAPITAL Individual FYP1 Group New Business Premium ABSLI Private Players Industry ABSLI Private Players Industry Δ Q1 FY’22 ↑ 5% Y-o-Y ↑ 26% Y-o-Y ↑ 16% Y-o-Y Δ Q1 FY’22 4, -49% Y-o-Y ↑ ↑ 42% 26% Y-o-Y ↑16% ↑ 4% Y-o-Y Y-o-Y ↑ Δ Q1 FY’20 ↑ ↑10% 5% Y-
Slide 49: Improving quality of business
Improving quality of business I.'JCAPITAL ADITYA BIRLA Renewal Premium Persistency1 Controlled Opex2 Renewal Growth Digital Renewal Improving Persistency across all cohorts Controlled Opex to premium ratio ↑ 41% Y-o-Y 69% (PY: 64%) . Q1 FY22 . Q1 FY21 Q1 FY20 Δ 2Y Opex to Premium ↑ 21% 2Y CAGR 1,092
Slide 50: Focus on value accretive product mix
Focus on value accretive product mix ADITYA BIRLA CAPITAL Improvement in Product Mix Products and Risk Management Protection Ind. FYP ↑ 41% y-o-y New products contributed to 8% of overall new business during Q1 FY22 Ø Wealth Infinia Plan– launched with industry top features to attract HNI 8% 7% 8% N
Slide 51: Improvement in VNB Margins
Improvement in VNB Margins ADITYA BIRLA CAPITAL Gross VNB1 Net VNB2 Gross VNB Growth Net VNB Margin ↑ 31% Y-o-Y ↑ 3.0% Y-o-Y 6.9% 10.6% 219 C ↑ 1.3X ) 136 125 Ii 107 -7 104 -17 -20 34.4% 33.1% 40.7% -6.0% -4.9% al -1.9% Q1 FY20 Q1 FY21 Q1 FY22 Q1 FY20 Q1 FY21 Q1 FY22 FY20 FY21 Copyright Content / 20
Slide 52: Covid update
Covid update ADITYA BIRLA CAPITAL Country level ABSLI 4,04,308 India Death Toll § India’s Q1 FY’22 Covid death count is 1.5x of FY21 164,108 1,50,036 99,366 § For ABSLI, Q1 FY22 Covid claims (#) were also 1.5x of FY21 17,463 § Net of Reinsurance, Q1 FY22 Covid claims amounted to Rs 108 June’20 Sept’
Slide 53: Digital Impact in Life Insurance
Digital Impact in Life Insurance ADITYA BIRLA CAPITAL Progress on multiple vectors contributing to customer acquisition, service & retention across LOB’s Revenue 91%+ 91%+ 4.5% Rs.400+ Cr 15%+ Enablement Customers Auto Pay Adoption Conversion to sales Premium leveraging FYP contribution though digit
Slide 54: PASA (Pre-Approved Sum Assured)
PASA (Pre-Approved Sum Assured) ADITYA BIRLA CAPITAL 3 Click PASA Journey Key Highlights 0 ruparramm.ksimulreurn 10113{5151.14.1.514ilhaolfm.m. Law 1.1...4.1. h AGIT 'A IVIES • PITAL (5 'PEL Lieu FtAll • PASA contributed Rs.42.25 Cr Ids. !•• .h Gan*. Jrnial Business Impact premium in Q1 FY22 CUSTOMI
Slide 55: Sales Buddy – Customer prospecting App
Sales Buddy – Customer prospecting App ADITYA BIRLA CAPITAL n Sales Buddy by ABSLI e 0 Quote Generation 25% Growth in active users Hi Naomi John, § Easily create quotes for Active users increased by 25% over Q4 products & combinations Welcome to Sales Buddy. Engage with your clients 6- prospects wit
Slide 56: Digital service experience
Digital service experience ADITYA BIRLA CAPITAL Harnessing power of data Enhancing processing capabilities 24/7 contactless servicing Omni channel ABC Customer Machine Learning Analytical Models Co-browsing customer Portal Persistency, UpSell, • • APP Claims • Cloud Telephony Voice WA / Email • •^,
Slide 57: Large and well-diversified distribution network
Large and well-diversified distribution network ADITYA BIRLA CAPITAL Pan India well diversified distribution scale sy 2,800+ Cities .94 370+ Own Branches Ira 65,000+ Agents It 7Banca Tie-ups 14,000+ Bank Branches HDFC Bank, DCB, KVB, Indian Bank, DB, DBS, Ujjivan Strong growth across channels Result
Slide 58: Key Financials – Aditya Birla Sun Life Insurance Limited
Key Financials – Aditya Birla Sun Life Insurance Limited ADITYA BIRLA I.'JCAPITAL Quarter 4 Figures in Rs Crore Quarter 1 FY 20-21 Key Performance Parameters FY 20-21 FY 21-22 (PY) (PY) (CY) 739 Individual First year Premium 328 369 597 Group First year Premium 589 301 1,856 Renewal Premium 774 1,09
Slide 59: Health Insurance
Health Insurance Aditya Birla Health ADITYA BIRLA Insurance Co. Ltd. CAPITAL Aditya Birla Capital Limited 58
Slide 60: Performance Summary | Health Insurance
Performance Summary | Health Insurance | AB Health Insurance Co 1 Sustained strong growth 2 Strong financial management Ø Q1 loss at Rs 128 Crore (LY: Rs 58 Crore) à due to CoVID claims at Rs 112 Crore Ø Sustained strong growth: Q1 FY22 Total GWP at Rs 368 Crore, ↑ 50% of LY in spite Ø Share of CoVI
Slide 61: Business Outcomes: Combined Ratio
Business Outcomes ADITYA BIRLA CAPITAL GWP growth at 1.5x y-o-y Lives covered growth at 1.6x y-o-y Retail GWP grew to 1.45x of PY (Retail Mix at 70%) 10.3 Mn.+ through rural & micro/ byte-sized products Lives Covered (Mn) Revenue (Rs. Mn.) 2.6x 3.9x 368 14 246 9 260 Retail 143 179 4 92 51 66 107 Gro
Slide 62: Health data based hyper-personalized engagement
Health data based hyper-personalized engagement ADITYA BIRLA CAPITAL Attracting health conscious customers Keeping customer pools healthier Incentivized Wellness Upto 100% HealthReturnsTM Distinctive Capabilities BIG DATA to • BIG DATA Risk Stratification WellBeingScore Know your health Personalized
Slide 63: Scaled-up, diversified and digitally enabled distribution
Scaled-up, diversified and digitally enabled distribution ADITYA BIRLA CAPITAL I • Multi-channel & Digitally enabled distribution Diversified & scaled distribution Diversified and provider and scaled networknetwork a • Diversified channel mix Ø Agency: Scalable channel with 175 branch Q1FY21 Q1FY22
Slide 64: Digital impact metrics for Health Insurance
Digital impact metrics for Health Insurance I.'JCAPITAL ADITYA BIRLA Progress on multiple vectors contributing to customer acquisition, retention & process efficiences Selling/ Onboarding Engagement Revenue 98%+ 4 mn+ 51%+ 48 lac • Digital : API Integrations; 4- § 24*7 self service through Enablemen
Slide 65: Customer Experience – Activ Health App
Customer Experience – Activ Health App ADITYA BIRLA CAPITAL 40+ features Live on Activ Health App Industry first multilingual App Early success metrics • Fresh & renewal premium 4:56 • Customer self service Hi, Shivanjalil ier 18% digital self-service -> App • Raise & track claims Covid 19 protectio
Slide 66: Leveraging data and analytics
Leveraging data and analytics ADITYA BIRLA CAPITAL Data Augmentation - leveraging unstructured data & external sources EIF ML/ OCR Engaged Retail Revenue 3-4% 5L+ Claims ratio â 3% customers Revenue Customer Claims NLP/Computer Augmentation Engagement Management Vision Enablers 0 PASA campaign 5mn+
Slide 67: Key Financials – Aditya Birla Health Insurance Limited
Key Financials – Aditya Birla Health Insurance Limited ADITYA BIRLA I.'JCAPITAL Quarter 4 Figures in Rs. Crore Quarter 1 FY 20-21 FY 20-21 FY 21-22 Key Performance Parameters (LY) (LY) (CY) 308 Retail Premium 179 260 134 Group Premium 66 107 441 Gross Written Premium 246 368 425 Revenue 222 350 199
Slide 68: Other Updates
ADITYA BIRLA Other Updates CAPITAL PROTECTING INVESTING FINANCING ADVISING Aditya Birla Capital Limited 67
Slide 69: Other Financial Services Businesses
Other Financial Services Businesses ADITYA BIRLA CAPITAL Strong performance across financial metrics across these businesses Revenue ↑ 30% y-o-y PBT ↑ 31% y-o-y ↑ 2.3x 54 ↑ 1.2x 228 41 191 24 175 7 Q1 FY20 Q1 FY21 Q1 FY22 Q1 FY20 Q1 FY21 Q1 FY22 General Insurance Broking [ Stock & Securities Broking
Slide 70: Consolidated Profit & Loss
Consolidated Profit & Loss ADITYA BIRLA CAPITAL Quarter 4 Figures in Rs Crore Quarter 1 FY 20-21 Consolidated Profit & Loss FY 20-21 FY 21-22 (PY) (PY) (CY) 5,587 Revenue 4,034 4,299 7% 420 Profit Before Tax (before share of profit/(loss) of JVs 235 318 80 Add: Share of Profit/(loss) of associate an
Slide 71: Financial Snapshot
Financial Snapshot ADITYA BIRLA CAPITAL Figures in Rs. Cr. FY17 FY18 FY19 FY20 FY21 CAGR Q1 FY21 Q1 FY22 Y-o-Y (FY17 - FY21) Lending Book 38,839 51,379 63,119 59,159 60,557 12% 58,073 57,182 (2%) Gross Insurance Premium 5,778 6,146 8,008 8,882 11,076 18% 1,935 2,130 10% Active Customers (Mn) 10 11 1
Slide 72: A financial services conglomerate meeting lifetime needs of customers
ADITYA BIRLA A financial services CAPITAL conglomerate meeting the PROTECTING INVESTING FINANCING ADVISING life time needs of its Enable People to protect what they value Enable People to make their money work so they can Enable People to fulfill their needs and desires without Understand People's l
Slide 73: Disclaimer
Disclaimer ADITYA BIRLA CAPITAL 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 Bir