Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q4 FY21 Earnings Presentation
72 slides from Aditya Birla Capital's earnings presentation, May 14, 2021
Slide 1: Exchange intimation letter on investor presentation
14 May 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: Inv
Slide 2: Investor Presentation: Financial Results Q4 FY21
Investor Presentation FINANCIAL RESULTS: Q4 FY21 MUMBAI 14th May 2021 A Leading Financial Services Conglomerate Aditya Birla Capital Limited 1
Slide 3: Table of contents
Table of contents 1 | Overview Pg. 3 - 11 2 | Business-wise Performance Pg. 12 - 62 3 | Other Updates Pg. 63 - 69 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 4: Q4 FY21 Key Highlights
Q4 FY21 | Key Highlights Strong growth across businesses leading to highest ever Highest ever quarterly profit in AMC led by improvement in quarterly profit; Q4 FY21 Consolidated ABCL PAT at Rs 375 equity mix to 36%; PBT/ AAUM at 28 bps in FY21 (PY: 26 bps); ✓ ✓ Crore (↑ 2.6x y-o-y and ↑ 30% q-o-q)
Slide 5: Strong financial performance
Strong financial performance Strong Financial Delivery Business-wise PAT performance Revenue1 (FY) ↑ 14% y-o-y PAT (FY) ↑ 22% y-o-y Businesses (INR Crores) FY20 FY21 NBFC 805 769 ↑ 1.2x 20,447 ↑ 1.3x 1,127 Asset Management 494 526 17,927 16,570 920 Life Insurance 103 102 871 Housing 103 137 General
Slide 6: Delivery in line with guidance (1/2)
Delivery in line with guidance..(1/2) LoB We said… We delivered… Target loan book growth in Q4 FY21 Loan book ↑3%; Retail + SME + HNI book ↑17% ✓ Increase Retail + SME mix leading to improving NIMs Retail + SME Mix ↑6%; Q4 NIM at 5.98% (↑98 bps) ✓ NBFC Branch expansion in tier II-IV markets in H2 FY
Slide 7: Delivery in line with guidance (2/2)
Delivery in line with guidance ..(2/2) LoB We said… We delivered… Optimise portfolio with rationalization of loss-making businesses Other business PBT at Rs 130 Cr (↑ 83% y-o-y) ✓ Targeting Rs 260 – 285 Crore of cost savings over exit run rate Cost saving of ~Rs 300 Crore ✓ Approach to value unlocki
Slide 8: Strong track record in building scale, retailization & profitability
Strong track record in building scale, retailization & profitability PROTECTING INVESTING FY17 FY21 Key Achievements FY17 FY21 Key Achievements Total Gross Premium1 5,778 11,076 AMC: Domestic AAUM 1.88 Lac 2.69 Lac ➢ Overall GWP (LI + HI) Retail ➢ #1 non-bank AMC Mix at 72% LI: Net VNB Margin -5.5%
Slide 9: Advantages of the ABC platform
Advantages of the ABC platform Our Scale Diversified platform allowing us Strong parentage and brand with to capitalize on multiple recall and appeal across the opportunities and delivering country Rs 3.4 Lac Crore 22,500+ strong earnings through the cycle Total AUM Employees Pan India multi channel
Slide 10: Leveraging digital technology and analytics
Leveraging digital technology and analytics Leverage Analytics and 1 Leveraging voice Technologies for customer convenience 2 Building digital Assets for Distribution partners 3 Technologies for differentiated customer experience 4 advanced AI/ML models Contact Center on Cloud Select Advisor Portal
Slide 11: abc.com Key initiatives: ABC One App and Advisor Locator
abc.com | Key initiatives First Of Its Kind In Financial Services ONE ABC APP offers customers ABC ADVISOR First Of Its Kind, Geo-Tagged, Advisor Locator enables Prospects to ABC ONE APP convenience of ONE PLATFORM for all their MONEY NEEDS NEAR YOU locate an ABC SELECT Advisor near their PIN CODE F
Slide 12: abc.com Key initiatives: Money-for-Life Planner
abc.com | Key initiatives MONEY-FOR-LIFE First Of Its Kind Money-For-Life Planner enables individuals to plan MULTI-LINGUAL 90% of internet users in India prefer to consume content in their PLANNER their Life’s Goals basis the time and money they have ABC.COM local language” - Google, 2020 Plans and
Slide 13: NBFC
NBFC Aditya Birla Capital Limited 12
Slide 14: Performance Summary | NBFC | Aditya Birla Finance
Performance Summary | NBFC | Aditya Birla Finance 1 Strong growth in disbursements to Retail and SME segments 2 Continue to Focus on granular portfolio mix ➢ Loan book ↑ 3% y-o-y at Rs. 48,689 Crore; Retail + SME + HNI ↑17% y-o-y ➢ Reduction in portfolio ATS to Rs 23 Lacs from Rs 1 Crore in Mar’18 ➢
Slide 15: Strong revival in disbursements with focus on retailisation
Strong revival in disbursements with focus on retailisation Change in Loan Book Mix Focusing new disbursement in Retail and SME Segments Book Growth SME + Retail + HNI Disbursement Retail + SME + HNI 3% ↑ Y-o-Y 50% → 56% 2.1x ↑ Y-o-Y Mix: 60% → 64% 51,714 47,057 48,689 Retail ↑ 80% Q-o-Q 6,570 3% 5%
Slide 16: Building granularity across segments
Building granularity across segments Loan book 6,916 8,838 11,326 Loan book 13,771 12,778 14,107 % Mix 13% 19% 23% % Mix 27% 27% 29% ATS (Rs Lakhs) 6 4 5 ATS (Rs Crore) 7 5 5 7% 4% 3% Retail LAS Supply Chain Finance 14% 11% 9% SME 51% 47% 21% 19% 55% LRD 21% Unsecured 23% 26% Broker Funding 23% 44%
Slide 17: Continue to deliver strong core operating profits
Continue to deliver strong core operating profits Margin improvement led by change in product mix CIR increase managed inspite of retail expansion strategy Net Interest Income1,3,4 NIM %: Q4: ↑ 98 bps FY: ↑ 23 bps 33.48% 31.66% 31.23% 29.75% 0.45% 0.24% 0.24% 0.22% CIR2,1 Fee Income 5.54% 4.88% 5.12
Slide 18: Margin improvement to continue to drive ROA
Margin improvement to continue to drive ROA ABFL NBFC Peers FY21 7.5% 7.5% 7.4% 7.4% 5.3% Margins expanding over time 4.9% 5.1% 4.5% NIM 11.69% 11.76% as Retail + SME mix increases Yield Normalised NIM: 5.5% FY18 FY19 FY20 FY21 Reported Normalised 40% 38% 38% 34% 31% 32% 31% Operating cost expected
Slide 19: Continued focus on quality of book
Continued focus on quality of book Reducing Gross Stage 3 % Increasing Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins Δ: ↓ 93 bps Y-o-Y Δ: ↑ ~12% Y-o-Y Δ: ↓ 93 bps Y-o-Y Δ: ↑ 249 bps Y-o-Y GS3 Provision NS3 Core Credit Cost % NIM (adj. Credit Cost) % 3.61% 4.76% 45.2% 2.40% 2.68% 33.3% 1.47% 2.73
Slide 20: Adequate provisioning and security cover across segments
Adequate provisioning and security cover across segments 1.7x Net Security Cover1 overall and on GS3 Security Net Security Customer Segment GS3 Provision NS3 Value Cover1 ▪ 77% of total loan book secured. ~Additional 3.4% secured through CGTMSE guarantee scheme SME 252 99 153 305 2.0x ▪ Security Cov
Slide 21: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ALM optimised for liquidity and costs (As on 31st March 2021) Adequate liquidity under stress test scenario 100%100% Cumulative Outflows Liability Maturity (Mar’22) Fund Available as on 31th Mar 2022 (Including interest payments) (Assuming 50% of collections)
Slide 22: Leveraging technology and data analytics in NBFC business
Leveraging technology and data analytics in NBFC business Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to cross-sell Sourcing Underwriting Self-Servicing Collections Customer 84% Onboarding Fully agile tech stack for Instant eligibility WhatsAp
Slide 23: Value accretive growth
Value accretive growth Strong revival in profitability in Q4 ● Returns much higher than Q4 last year● Delivery against stated goals PAT Return on Assets Return on Equity1 ↑ 1.9x ↑ 106 bps 2.2% ↑ 5.5% 12.5% 254 137 1.2% 7.0% Q4 FY20 Q4 FY21 Q4 FY20 Q4 FY21 Q4 FY20 Q4 FY21 11.0% 821 769 9.6% 1.7% 1.7%
Slide 24: Key Financials – Aditya Birla Finance Limited
Key Financials – Aditya Birla Finance Limited Quarter 4 Figures in Crs Full Year FY 19-20 FY 20-21 FY 19-20 FY 20-21 Key Performance Parameters (PY) (CY) (PY) (CY) 47,057 48,689 Lending book 47,057 48,689 12.08% 11.85% Average yield (Incl. Fee Income) 12.24% 11.69% 7.08% 5.87% Interest cost / Avg. L
Slide 25: Housing Finance
Housing Finance Aditya Birla Capital Limited 24
Slide 26: Performance Summary | Housing Finance | AB Housing Finance
Performance Summary | Housing Finance | AB Housing Finance 1 Strong disbursements to target segment 2 Focus on granularity and higher margin segments ➢ Home Loan ATS at Rs 26 lacs (PY: Rs 31 Lacs); ↓ 16% y-o-y ➢ Strong rebound in Q4 gross disbursals at Rs 1,131 Crore (↑ 47% y-o-y) ➢ Q4 FY21 new sour
Slide 27: 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: 93% → 96% 2.2x over 2 yrs ↑ 47% y-o-y | ↑ 39% q-o-q 1Y: 31% → 52% 12,102 11,872 11,869 Gross Disbur
Slide 28: Increase in core profits driven by margins and control on cost
Increase in core profits driven by margins and control on cost Margin improvement led by change in product mix CIR driven by operating leverage Net Interest Income1 NIM: Q4: ↑ 77 bps FY: ↑ 58 bps CIR: Q4: ↓ 3.7 % FY: ↓ 5.0 % Cost Income Ratio 398 328 42.3% 45.0% 38.6% 40.0% 76 105 Q4 FY20 Q4 FY21 FY
Slide 29: Scale to drive improving ROA
Scale to drive improving ROA ABHFL HFC Peers FY21 3.9% Margins expand as we 3.5% 3.3% 3.3% 3.1% 3.4% 3.5% increase affordable share of 3.0% NIM the book 10.45% 10.28% FY21 Normalised NIM at Yield 3.70% FY18 FY19 FY20 FY21 71% Reported Normalised 61% CIR expected to normalise 46% 40% as platform scal
Slide 30: Balanced geographic and product mix
Balanced geographic and product mix Diversified Geographic Mix (%) Focus on increasing reach and building retail granularity Metros Non-Metros Home Loans Sourcing 40% 41% 42% 4322 Non-metro loan 3,909 3,624 3,698 book mix at 49% 12% 11% 10% 74 branches currently operational pan-India 19% 19% 20% FY2
Slide 31: Continued focus on quality of book
Continued focus on quality of book Gross Stage 3 % Increasing Stage 3 PCR % Net Stage 3 % Risk Adjusted Margins3 Δ: ↑ 62 bps Y-o-Y Δ: ↑ ~4% Y-o-Y Δ: ↑ 34 bps Y-o-Y Δ: ↑ 89 bps Y-o-Y GS3 Provision NS3 Core Credit Cost % NIM (adj. Credit Cost) % 1.83% 36.3% 1.16% 3.05% 1.21% 32.1% 0.82% 2.16% 0.92% 0.
Slide 32: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity ALM optimised for liquidity and costs (As on 31st March 2021) Adequate liquidity under stress test scenario Liability Maturity (Till March’22) Funds available as on Mar 31, 2021 100%100% Including interest payments Assuming 95% collections Cumulative Outflows
Slide 33: Leveraging technology and data analytics in Housing Finance
Leveraging technology and data analytics in Housing Finance Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to cross-sell Sourcing Underwriting Collection and Self Customer Servicing 88% Onboarding Focus on granular retail sourcing Central Process
Slide 34: Value accretive growth
Value accretive growth Strong revival in profitability ● Returns higher than a year ago ● Delivery against stated goals PAT Return on Assets Return on Equity1 ↑ 1.7x 36 ↑ 51 bps 1.2% ↑ 3.2% 10.1% 21 0.7% 6.8% Q4 FY20 Q4 FY21 Q4 FY20 Q4 FY21 Q4 FY20 Q4 FY21 ↑ 34% 137 ↑ 29 bps 1.2% ↑ 1.3% 10.0% 103 0.
Slide 35: Key Financials – Aditya Birla Housing Finance Limited
Key Financials – Aditya Birla Housing Finance Limited Quarter 4 Figures in Rs Crore FY FY 19-20 FY 20-21 Key Performance Parameters FY 19-20 FY 20-21 (PY) (CY) (PY) (CY) 12,102 11,869 Lending book 12,102 11.869 10.28% 10.19% Average yield 10.39% 10.28% 7.38% 6.41% Net Interest cost / Avg. Loan book
Slide 36: Asset Management
Asset Management Aditya Birla Capital Limited 35
Slide 37: Performance Summary | Asset Management | ABSL AMC
Performance Summary | Asset Management | ABSL Asset Management Co 1 Maintaining Leadership and Market Share 2 Momentum in AUM growth and Value Accretive Mix ➢ Largest non-bank affiliated AMC with overall AAUM market share1 at 9.20% and ➢ Strong revival in AAUM across asset classes with closing domes
Slide 38: 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 ↑ 28% Y-o-Y ↑ 47% Y-o-Y ↑ 32% Y-o-Y ↑ 7% Y-o-Y ↑ 11% Y-o-Y 36% (PY: 35%) 2,38,518 2,02,396 2,5
Slide 39: Strong and sustained rebound in SIP
Strong and sustained rebound in SIP SIP AUM Strong revival in new SIP registrations All figures in Rs. Cr SIP AUM SIP AUM % Equity SIP Registration # SIP Tenure1 ↑ 66% Y-o-Y ↑ 4% Y-o-Y ↑ 13% Y-o-Y Gain across cohorts ↑ 1.4x 2,03,714 % of Total SIP Count 41,841 Mar-19 1,79,798 86% Mar-20 30,511 83% M
Slide 40: Strong retail franchise
Strong retail franchise Retail KPIs # of Folios Individual AAUM B-30 AAUM Size Rs 1,26,982 Crore Rs 43,754 Crore 7.1 mm AAUM Mix(1) 46.9% (PY: 47.3%) 16.1% (PY: 14.9%) Market Share 7.2% 7.4% 8.4% All figures in Rs. Cr All figures in Rs. Cr Maintained Folio # ↑ 19% ↑ 30% 43,754 1,26,982 7.2 7.1 33,55
Slide 41: Large and well-diversified distribution network
Large and well-diversified distribution network One of the largest empaneled distributor base (1) | Continue to expand distributor base and empaneled 2400+ new MFDs in FY21 280+ 65,000+ 100+ 90 230+ Locations(3) MFDs Banks Emerging Market National Representatives Distributors Continue to grow MFD sh
Slide 42: Leveraging technology and data analytics in AMC
Leveraging technology and data analytics in AMC Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to cross-sell Customer Customer Distributor 74% 89% 88% Digital Payments 99% Onboarding Interaction Onboarding Scalability and DIY - Self-Servicing Cus
Slide 43: Strong performance vs. Listed peers
Strong performance vs. Listed peers Overall AAUM Equity AAUM Folio Growth 5Y CAGR: Q4 FY16 → Q4 FY21 5Y CAGR: Mar-16 → Mar-21 5Y CAGR: Mar-15 → Mar-20 2nd Highest Amongst Peers Highest Amongst Peers Highest Amongst Peers 24.9% 18.9% 24.3% 14.6% 13.1% 7.4% ABSLAMC Listed Peers ABSLAMC Listed Peers AB
Slide 44: Key Financials – Aditya Birla Sun Life AMC Limited
Key Financials – Aditya Birla Sun Life AMC Limited Figures in INR Crores Full Year Key Performance Parameters FY 19-20 FY 20-21 (PY) (CY) Domestic AAUM 2,51,310 2,44,501 Domestic Equity AAUM 90,234 84,776 Alternate and Offshore Equity AAUM 9,471 8,437 Total Equity 99,705 93,213 Revenue 1,235 1,206 C
Slide 45: Life Insurance
Life Insurance Aditya Birla Capital Limited 44
Slide 46: Performance Summary | Life Insurance | ABSL Insurance Co
Performance Summary | Life Insurance | ABSL Insurance Co 1 Strong growth in business 2 Improvement on all quality vectors ➢ Individual FYP ↑ 14% y-o-y; vs Private Players ↑ 8% y-o-y; Market share ↑ 24 ➢ Continuous improvement in persistency across all cohorts over last 2 years: bps y-o-y in FY21. Gr
Slide 47: 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 ↑ 14% Y-o-Y ↑ 8% Y-o-Y ↑ 3% Y-o-Y ↑ 34% Y-o-Y ↑ 20% Y-o-Y ↑ 4% Y-o-Y ↑ 7% 2Y CAGR 1,938 ↑ 8% 2Y CAGR 2,488 2,118 1,854 1,693 1,701 FY19 FY20 FY21 Copyright C
Slide 48: Improving quality of business
Improving quality of business Renewal Premium Persistency1 Controlled Opex2 Renewal Growth Digital Renewal Improving Persistency across cohorts 200 bps reduction in opex to premium ratio ↑ 20% Y-o-Y 65% (PY: 56%) FY21 FY20 FY19 Δ 2Y Opex to Premium ↑ 20% 2Y CAGR 5,212 84% 15.7% 15.9% 13M 83% ↑ 6% 4,
Slide 49: Improvement in VNB Margins
Improvement in VNB Margins Gross VNB1 Net VNB2 Gross VNB Growth Gross VNB Margin Net VNB Growth Net VNB Margin Q4 NVNB % ↑ 30% Y-o-Y ↑ 4.7% Y-o-Y Expansion ↑ 1.8x Y-o-Y ↑ 3.7% Y-o-Y 19.4% (PY: 11.0%) ↑ 1.3X 763 ↑ 1.2X 219 179 608 586 125 34.6% 33.8% 38.6% 9.8% 6.9% 10.6% FY19 FY20 FY21 FY19 FY20 FY2
Slide 50: Strong RoEV of 13.7% with overall EV growth of 24.2%
Strong RoEV of 13.7% with overall EV growth of 24.2% Embedded Value Sensitivity Table Figures in Rs Crore Scenarios Δ IEV Δ Gross VNB Reference Rates and Assets 10.4% Increase of 100 bps in the reference rates 2.80% 7.00% 4.2% 1.0% IEV 541 Decrease of 100 bps in the reference rates -3.70% -8.00% 8.5
Slide 51: Leveraging technology and data analytics in Life Insurance
Leveraging technology and data analytics in Life Insurance Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to cross-sell Customer Customer Self Pre-Approved 95% Digital Renewal 65% 75% 15% Onboarding Servicing New Business Engagement Customer Rete
Slide 52: Large and well-diversified distribution network
Large and well-diversified distribution network Pan India well diversified distribution scale 3,000+ 360+ 90,000+ 7 13,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches HDFC Bank, DCB, KVB, Indian Bank, DB, DBS, Ujjivan Strong growth across channels Resulting in a balanced sourcing mix Pro
Slide 53: Focus on value accretive product mix
Focus on value accretive product mix Improvement in Product Mix Products and Risk Management New products contributed to 24% of overall new business during FY21 6% 6% 6% ➢ Child Future Assured Plan – special need based customized plan targeted at comprehensive planning for child’s future 33% New Pro
Slide 54: Delivering robust performance across parameters
Delivering robust performance across parameters Individual FYP Renewal Premium Persistency Opex Ratio EV Growth As on 9M FY21 For FY21 Industry Peers Non Bank Backed 86% 26.7% Industry Peers 18% 19% 75% 17.1% 15.9% 16.1% 16.9% 9% 14.7% 8% 2Y CAGR: FY18-20 FY21 2Y CAGR: FY18-20 9M FY21 13M 25M FY18 9
Slide 55: Key Financials – Aditya Birla Sun Life Insurance Limited
Key Financials – Aditya Birla Sun Life Insurance Limited Quarter 4 Figures in Rs Crore Year Ended FY 19-20 FY 20-21 Key Performance Parameters FY 19-20 FY 20-21 (PY) (CY) (PY) (CY) 542 739 Individual First year Premium 1,804 2,076 596 597 Group First year Premium 1,854 2,488 1,559 1,856 Renewal Prem
Slide 56: Health Insurance
Health Insurance Aditya Birla Capital Limited 55
Slide 57: Performance Summary | Health Insurance | AB Health Insurance Co
Performance Summary | Health Insurance | AB Health Insurance Co 1 Fastest growing Health Insurer 2 Strong Financial Management ➢ Fastest growing HI: FY21 growth at 49% vs Industry: 16%, SAHI: 32% ➢ Strong financial management: Combined Ratio to 119.8% (PY: 134.4%) ➢ FY21 Total GWP at Rs 1,301 Cror
Slide 58: Business Outcomes and Combined Ratio
Business Outcomes GWP growth at 49% y-o-y Lives covered growth at 61% y-o-y Retail GWP grew to 1.5x of PY (Retail Mix at 72%) 9.8 Mn+ through rural & micro/ byte-sized products Lives Covered (Mn) Revenue (Rs. Crs.) 2.6x 1,301 8.6x 13.4 872 Retail 8.3 940 497 630 325 2.3 172 242 361 Group FY19 FY20 F
Slide 59: Unique & Differentiated Health First Model: Core offerings 1/2
Unique & Differentiated Health First Model: Core offerings..1/2 Diversified product suite with differentiated health first offerings enabling market expansion Product Differentiators Comprehensive Product Range Enabling Market Expansion Existing market ➢ Indemnity/Fixed benefit, Top-up, 4-in-1 combo
Slide 60: Health data based hyper-personalized engagement 2/2
Health data based hyper-personalized engagement..2/2 Health Ecosystem enabled through key partners for services like doctor on call, telemedicine, nutritionist, mental wellness, homeopathy and others Q4 5.3lac + customers 37% Business 20% 6% Engagement outcomes WellBeing score live App log-ins Highe
Slide 61: 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 Diversified channel mix ➢ Agency: Scalable channel with 140 branch FY20 FY21 locations | Agency GWP ↑ +1.5x of
Slide 62: Leveraging technology and data analytics in Health Insurance
Leveraging technology and data analytics in Health Insurance Strong Digital KPIs with focus on scalability, superior customer servicing and use of data analytics to cross-sell Advisor Digital Issuance 98% 100% Self-servicing ↑81% Digital Renewal 92% Onboarding Prospecting / Selling On-boarding Engag
Slide 63: Key Financials – Aditya Birla Health Insurance Limited
Key Financials – Aditya Birla Health Insurance Limited Quarter 4 Figures in Rs Crore Full Year FY 19-20 FY 20-21 Key Performance Parameters1 FY 19-20 FY 20-21 (PY) (CY) (PY) (CY) 245 308 Retail Premium 630 940 81 133 Group Premium 242 361 326 441 Gross Written Premium 872 1,301 296 428 Revenue 803 1
Slide 64: Other Updates
Other Updates Aditya Birla Capital Limited 63
Slide 65: Other Financial Services Businesses
Other Financial Services Businesses Financials for Other Businesses ● Strong financial delivery leading to turn around in profitability Revenue (FY) ↑ 19% y-o-y PBT (FY) ↑ 88% y-o-y Revenue (Q4) ↑ 26% y-o-y PBT (Q4) ↑ 14% y-o-y ↑ 1.4x 897 Turnaround 130 ↑ 1.6x 242 18 21 756 69 193 155 641 -16 -9 FY1
Slide 66: CoVID second wave
CoVID second wave Macro economics 30-35% drop in economic activity; future trajectory based on lockdowns and vaccination Digital Preparedness We continue to be digitally prepared from origination to servicing in a WFH situation Risk Assessment We continue to monitor risk closely and will take proact
Slide 67: Consolidated Profit & Loss
Consolidated Profit & Loss Quarter 4 Figures in Rs Crore Full Year FY 19-20 FY 20-21 Consolidated Profit & Loss FY 19-20 FY 20-21 (PY) (CY) (PY) (CY) 16% 4,808 5,587 Revenue 16,691 19,248 15% 98 420 Profit Before Tax (before share of profit/(loss) of JVs 1,049 1,277 50 80 Add: Share of Profit/(loss)
Slide 68: Awards and Accolades
Awards and Accolades Top 25 Innovative FICCI CSR Award Brand of the Year HR L&D Excellence companies in India 2020 Award 2020 Indian Content Marketing For Project Saksham aimed at Awards (ICMA) 2020 Business World HR L&D holistic inclusive model for CII Industrial Innovation Excellence Awards, 2020
Slide 69: CSR focus areas: Money for Good
4 focus areas of our CSR Mantra “Money for Good” 35 1 2 3 Women 4 Healthcare Education Sports NGOs Partners Empowerment 36 Projects Implemented ▪ 25000+ mother have been the ▪ Project ‘Knowledge on Wheel’ ▪ Our 120 SHGs introduced 2k + ▪ Our partnership with GoSports recipients of our Mumbai, provid
Slide 70: Ensuring employee wellbeing and nurturing talent
Ensuring employee wellbeing and nurturing talent 1 2 Employee 3 Talent 4 Health and Learning Engagement Development Safety 22500 Employees ▪ 100% trainings delivered ▪ Various initiatives like ABC ▪ Our talent development ▪ Identified Flu Prevention through digital medium annual health check up, pro
Slide 71: 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 72: 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