Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q1 FY22 Earnings Presentation
72 slides from Aditya Birla Capital's earnings presentation, Aug 5, 2021
Slide 1: Investor Presentation Financial Results: Q1 FY22
Investor Presentation FINANCIAL RESULTS: Q1 FY22 MUMBAI 5th August 2021 A Leading Financial Services Conglomerate Aditya Birla Capital Limited 1
Slide 2: Table of contents
Table of contents 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: All financial figures
Slide 3: Q1 FY22 | Key Highlights
Q1 FY22 | Key Highlights 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% y-o-y; Renewal Premi
Slide 4: Strong financial performance
Strong financial performance Financial performance better than pre Covid levels Business-wise profitability 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 General Insurance Broking 29 37 Q1
Slide 5: Progress against long term targets
Progress against long term targets 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 Affordable mix to improve
Slide 6: Advantages of the ABC platform
Advantages of the ABC platform Our Scale as of Jun’21 Diversified platform allowing us Strong parentage and brand with to capitalize on multiple recall and appeal across the opportunities and delivering country Rs 3.43 Lac Crore 23,500+ strong earnings through the cycle Total AUM Employees Pan India
Slide 7: Leveraging digital technology
Leveraging digital technology Leverage digital for Digital self-service Digital assets for Scalability & customer acquisition channels for customer distributor automation & onboarding convenience Enablement Ecosystem Integration One ABC App Distributor Productivity Focus on STP Service 1300+ API’s a
Slide 8: Mobile App with 250 Services across products
Mobile App with 250 Services across products Launched ABC MOBILE APP MONEY PLANNER Power in the hands of customers with First of its kind robotic advisory tool that unified mobile app with 250 services with enables customers to plan their life’s goals seamless, personalized experience to drive with
Slide 9: Leveraging Ecosystems for acquiring customers at scale
Leveraging Ecosystems for acquiring customers at scale 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%+ purchase transactions enab
Slide 10: Digital impact metrics
Digital impact metrics 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 through onboarded digitall
Slide 11: Leveraging synergies across the platform
Leveraging synergies across the platform 1 Branch Network synergies 2 Distribution synergies Ø Co-locating businesses to drive synergies Ø ABC SELECT ADVISOR PLATFORM is a unique platform for advisors of individual LOBs to become ‘Complete Money Ø Improves real-estate space utilization, driving cost
Slide 12: NBFC
NBFC Aditya Birla Capital Limited 12
Slide 13: 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 14: 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 + 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 6,570 4% 3% 2% 2,333
Slide 15: 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 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 5.84% 5.54% Core NIM 4.74% Q1 FY21 Q4 FY21 Q1 FY22 Q1 F
Slide 16: Continued focus on quality of book
Continued focus on quality of book 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 GS3 Provision NS3 Core Credit Cost % NIM (adj. Credit Cost) % 42.7% 4.46% 3.64% 2.21% 3.60% 38.6% 2.09% 3.06% 1.77% 1.68% 1,655 1,671 639 71
Slide 17: Adequate provisioning and security cover across segments
Adequate provisioning and security cover across segments 1.7x Net Security Cover1 Security Net Security Customer Segment GS3 Provision NS3 Value Cover1 § 78% of total loan book secured. ~Additional 3.2% secured through CGTMSE scheme, making over 80% of book secured. SME 302 119 183 350 1.9x § ~70% r
Slide 18: Building granularity across segments
Building granularity across segments 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 Supply Chain Finance SME 21%
Slide 19: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity 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 50% of collections)
Slide 20: 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 100% 60%+ 4.1 Lac Enablement • Fully agile tech stack for customer § ABFL Re-payment hub activated though digital Customers Reduction
Slide 21: End-to-End Digital Onboarding for Personal & Business Loans
End-to-End Digital Onboarding for Personal & Business Loans 100% digital onboarding process enabled for personal and business loans Application on Verification Decision Fraud Approval & Disbursal Partner site/App & Digital KYC Engine Checks Agreement Enabled by deep integration with Ecosystem Partne
Slide 22: Value accretive growth
Value accretive growth 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 23: Key Financials – Aditya Birla Finance Limited
Key Financials – Aditya Birla Finance Limited 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 6.82% 5.66% 5.98% Net
Slide 24: Housing Finance
Housing Finance Aditya Birla Capital Limited 24
Slide 25: Performance Summary | Housing Finance | AB 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 26: Disbursement pick up with focus on target segments
Disbursement pick up with focus on target segments 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 Disbursal 108 1,131 321 ↑ 3x
Slide 27: 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 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-India 19% 20% 20% Q1
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 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 FY21 Q4 FY21 Q1 FY22 Q1
Slide 29: 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: ↑ 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% 0.81% 1.14% 146 235 47
Slide 30: Well matched ALM with adequate liquidity
Well matched ALM with adequate liquidity 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 Cumulative Outflows
Slide 31: 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 90% 45%+ 40%+ § Central Processing Hub for data Enablement § Frontline equipped with digital on- customers Onboarding TAT Reductio
Slide 32: Value accretive growth
Value accretive growth 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 33: Key Financials – Aditya Birla Housing Finance Limited
Key Financials – Aditya Birla Housing Finance Limited 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% 6.18% 3.85% NIM * 3.2
Slide 34: Asset Management
Asset Management Aditya Birla Capital Limited 34
Slide 35: Performance Summary | Asset Management | ABSL Asset Management Co
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 36: 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 ↑ 30% Y-o-Y ↑ 38% Y-o-Y ↑ 37% Y-o-Y ↑ 27% Y-o-Y ↑ 42% Y-o-Y 37% (PY: 34%) 2,39,587 2,17,643 2,
Slide 37: Strong retail franchise
Strong retail franchise 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 7.2 1,02,706 Yearly
Slide 38: 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 ↑ 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 2,04,658 84% 31,962 81% Jun-21
Slide 39: Strong performance vs. Listed peers
Strong performance vs. Listed peers 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 ABSLAMC Listed Peers AB
Slide 40: Digital impact metrics in Asset Management
Digital impact metrics in Asset Management 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 Customer purchase cust
Slide 41: Digital Self Service – New Age Investor App for Mutual Fund
Digital Self Service – New Age Investor App for Mutual Fund Copyright Content / 2016 Hyper personalization for 2 lakh+ active devices – Contextual features like daily Change in portfolio, Asset Allocation, Next best offer etc. Aditya Birla Capital Limited 41
Slide 42: Driving sales productivity with use of technology
Driving sales productivity with use of technology 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 claim mapped IFA's/Distribu
Slide 43: 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 1150+ new MFDs in Q1 FY22 280+ 66,000+ 100+ 90 240+ Locations(3) MFDs Banks Emerging Market National Representatives Distributors Continue to grow MFD
Slide 44: Key Financials – Aditya Birla Sun Life AMC Limited
Key Financials – Aditya Birla Sun Life AMC Limited 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 Equity AAUM 7,459 9,752 1,
Slide 45: Life Insurance
Life Insurance Aditya Birla Capital Limited 45
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 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 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 Δ Q1 FY’22 ↑ 5% Y-o-Y ↑ 26% Y-o-Y ↑ 16% Y-o-Y Δ Q1 FY’22 ↑ -49% Y-o-Y ↑ 42% 26% Y-o-Y ↑16% ↑ 4% Y-o-Y Y-o-Y ↑ Δ Q1 FY’20 ↑ ↑10% 5% Y-o-Y Y-o-Y -23% -3% Y-o-Y
Slide 48: Improving quality of business
Improving quality of business 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 83% 23.1% 13M 81% ↑ 4% 79% 7
Slide 49: Focus on value accretive product mix
Focus on value accretive product mix 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% New Product customers
Slide 50: Improvement in VNB Margins
Improvement in VNB Margins Gross VNB1 Net VNB2 Gross VNB Growth Net VNB Margin ↑ 31% Y-o-Y ↑ 3.0% Y-o-Y 6.9% 10.6% 219 ↑ 1.3X 136 125 107 -7 104 -17 -20 34.4% 33.1% 40.7% -6.0% -4.9% -1.9% Q1 FY20 Q1 FY21 Q1 FY22 Q1 FY20 Q1 FY21 Q1 FY22 FY20 FY21 Copyright Content / 2016 Gross VNB Margin Net VNB Mar
Slide 51: Covid update
Covid update 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’20 Dec’20 Mar’21 June
Slide 52: Digital Impact in Life Insurance
Digital Impact in Life Insurance 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 digital onboarded digitall
Slide 53: PASA (Pre-Approved Sum Assured)
PASA (Pre-Approved Sum Assured) 3 Click PASA Journey Key Highlights Business Impact • PASA contributed Rs.42.25 Cr premium in Q1 FY22 • Automated underwriting basis AI based underwriting external and internal data Issuance TAT • 40% reduction in issuance TAT Copyright Content / 2016 • No Income Proo
Slide 54: Sales Buddy – Customer prospecting App
Sales Buddy – Customer prospecting App Quote Generation 25% Growth in active users § Easily create quotes for Active users increased by 25% over Q4 products & combinations § Personalized & Simplified Illustrations +71NPS 4.5 rated on app store Steadily Increasing NPS from +58 at launch to +71 Digita
Slide 55: Digital service experience
Digital service experience 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 biometrics Chat Bot Organization
Slide 56: Large and well-diversified distribution network
Large and well-diversified distribution network Pan India well diversified distribution scale 2,800+ 370+ 65,000+ 7 14,000+ 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 57: Key Financials – Aditya Birla Sun Life Insurance Limited
Key Financials – Aditya Birla Sun Life Insurance Limited 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 1,092 3,193 Total Gross Premi
Slide 58: Health Insurance
Health Insurance Aditya Birla Capital Limited 58
Slide 59: Performance Summary | Health Insurance | AB Health Insurance Co
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 60: Combined Ratio
Business Outcomes 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 Group Q1 FY20 Q1 FY21 Q1
Slide 61: Health data based hyper-personalized engagement
Health data based hyper-personalized engagement 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+ da
Slide 62: 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 Ø Agency: Scalable channel with 175 branch Q1FY21 Q1FY22 locations | Agency GWP ↑ +1.7
Slide 63: 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 98%+ 4 mn+ 51%+ 48 lac • Digital : API Integrations; 4- § 24*7 self service through Enablement of customer Byte size l
Slide 64: Customer Experience – Activ Health App
Customer Experience – Activ Health App 40+ features Live on Activ Health App Industry first multilingual App Early success metrics • Fresh & renewal premium • Customer self service 18% digital self-service -> App • Raise & track claims Customer Health on-boarding Management • Telemedicine & 2nd opin
Slide 65: Leveraging data and analytics
Leveraging data and analytics Data Augmentation - leveraging unstructured data & external sources ML/ OCR Engaged Retail Revenue 3-4% 5L+ Claims ratio â 3% customers Revenue Customer Claims NLP/Computer Augmentation Engagement Management Vision Enablers PASA campaign 5mn+ Multilingual Chatbot - 40k
Slide 66: Key Financials – Aditya Birla Health Insurance Limited
Key Financials – Aditya Birla Health Insurance Limited 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 Operating expenses 148 15
Slide 67: Other Updates
Other Updates Aditya Birla Capital Limited 67
Slide 68: Other Financial Services Businesses
Other Financial Services Businesses 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 Q1 FY20 Q1 FY21 Q1 FY22 Q1 FY20 Q1 FY21 Q1 FY22 General Insurance Broking Stock & Securities Broking Asset Reconstruction Com
Slide 69: Consolidated Profit & Loss
Consolidated Profit & Loss 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 and JVs 50 80 500 Profi
Slide 70: Financial Snapshot
Financial Snapshot 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 12 20 24 24% 19 25 30%
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