Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q2 FY25 Earnings Presentation
66 slides from Aditya Birla Capital's earnings presentation, Oct 30, 2024
Slide 1: Exchange filing cover letter under Regulation 30
Ref: No. ABCL/SD/MUM/2024-25/OCTOBER/20 30 October 2024 BSE Limited National Stock Exchange of India Ltd th Phiroze Jeejeebhoy Towers, Exchange Plaza, 5 Floor, Dalal Street, Plot. C/1, Mumbai 400 001 G-Block, Bandra-Kurla Complex, Bandra (East), Scrip Code: 540691 Mumbai 400 051 Scrip ID: ABCAPITAL
Slide 2: Q2 FY25 Financial Results Investor Presentation
Q2 FY25 FINANCIAL RESULTS INVESTOR PRESENTATION Oct 30, 2024 A Leading Financial Services Conglomerate 01
Slide 3: Aditya Birla Capital: Diversified Financial Services Platform
Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 52.6% 16.4% 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 4: Highlights for Q2 FY25
ADITYA BIRLA CAPITAL Highlights for Q2 FY25 Aditya Birla Capital Ltd.
Slide 5: Financial performance
Financial performance Consolidated PAT1 at ` 1,001 Cr (↑ 42% y-o-y & ↑ 32% q-o-q) Consolidated Revenue1,2 at ` 12,007 Cr (↑ 36% y-o-y) Total lending3 portfolio of ` 1,37,946 crore (↑ 27% y-o-y & ↑ 8% q-o-q) Total AUM4 of ` 5,01,152 Cr (↑ 24% y-o-y & ↑ 9% q-o-q) Gross premium5 of ` 10,828 Cr (↑ 29% y
Slide 6: Strong growth momentum across businesses
Strong growth momentum across businesses Life Health NBFC Housing Asset Management Insurance Insurance Loan Book AUM Growth Premium Growth6 ` 1,14,710 crore1 ` 23,236 crore1 ` 3,83,309 crore ` 1,80,658 crore Individual FYP Gross Premium 23 y-o-y 51% y-o-y Domestic AAUM3 Equity AAUM3 33% y-o-y 39% y-
Slide 7: Consolidated Revenue and PAT
Consolidated Revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue1 36% y-o-y Businesses (` crore) Q2 FY24 Q2 FY25 Y-o-Y 12,007 NBFC 736 844 15% 8,831 7,215 HFC 97 104 7% Asset Management 237 335 42% Q2 FY23 Q2 FY24 Q2 FY25 Life Insurance 42 44 4% Profit after tax Health I
Slide 8: 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 866 co-located branches Dedicated customer service locations across 238 locations managers for cross sell One Experience Channel 2
Slide 9: ABCD – Omnichannel D2C Platform
ABCD – Omnichannel D2C Platform Q2 FY25 - Key Feature Launches & Accolades 2.5Mn+ 1.2Mn+ 22+ App Customers1 VPAs1 Product Categories Pocket Insurance DigiGold Gifting Affordable coverage against Gift gold digitally to friends & everyday risks family Family Health Scan Gold Loan Selfie-based health s
Slide 10: Udyog Plus: Addressing 360 degree 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: Aditya Birla Finance
ADITYA BIRLA CAPITAL Aditya Birla Finance 01 Aditya Birla Capital Ltd.
Slide 12: Performance Highlights for Q2 FY25
Performance Highlights for Q2 FY25 Retail, SME AUM1 NII3 PBT GS2 & GS34 & HNI loans2 ₹ 74,911 crore ₹ 1,14,710 crore ₹ 1,711 crore ₹ 844 crore 4.24% (65% of AUM) ↑ 23% Y-o-Y ↑ 20% Y-o-Y ↑ 15% Y-o-Y ↓ 100 bps Y-o-Y ↑ 13% Y-o-Y ↑ 7% Q-o-Q ↑ 6% Q-o-Q ↑ 1% Q-o-Q ↓ 21 bps Q-o-Q 432 branches as of Sep’24
Slide 13: Strong Growth in AUM
Strong Growth in AUM… AUM (₹ crore) Sep’23 Jun’24 Sep’24 Sep’24 Mix Q-o-Q Y-o-Y - Unsecured business 9,460 10,546 11,020 10% 4% 16% - Secured business 36,129 47,557 52,207 45% 10% 45% Total Business loans 45,589 58,104 63,228 55% 9% 39% Personal & Consumer loans 19,326 16,130 15,793 14% -2% -18% Cor
Slide 14: Growth Momentum in Business Loans
Growth Momentum in Business Loans Personal & Consumer 18% y-o-y Secured business 45% y-o-y 19,326 52,207 CL - Others 3% LAS 47,557 11% 16,130 15,793 17% 3% 0.3% 2% 15% CL - BNPL TL / WCDL 36,129 22% 14% 22% PL LRD 5% 86% 97% 98% 5% 27% LAP 7% 56% 57% 53% Sep-23 Jun-24 Sep-24 Sep-23 Jun-24 Sep-24 Uns
Slide 15: 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: ~ 1.8 Lac
Slide 16: Strong Digital Adoption in Customer Sourcing and Servicing
Strong Digital Adoption in Customer Sourcing and Servicing Customer EMIs Collected Digital Service Email BOT Onboarding 91% Digitally 97% Interactions 93% Accuracy 91% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Inbound contact center Significant
Slide 17: 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 18: Prudent Risk Management Practices
Prudent Risk Management Practices… Sep’23 Jun’24 Sep’24 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 94.76% 88,774 95.55% 1,02,517 95.76% 1,09,365 Stage 2 2.61% 2,442 1.91% 2,051 1.74% 1,989 Stage 3 2.64% 2,469 2.54% 2,725 2.50% 2,851 Stage 2 and 3 5.24% 4,911 4.45% 4,775 4.24% 4,839 Total Loan
Slide 19: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Cumulative Outflows Cumulative Inflows 100% 100% Funding Mix 83% 86% 10% 3% 4% 10% 9% 9% 45% 40% 53% 51% 24% 26% 25% 26% 17% 19% 12% 14% 8% 10% 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 years > 5 years Sep’23 Sep’24 Term Loan NCD CP EC
Slide 20: P&L and Key Ratios - Aditya Birla Finance
P&L and Key Ratios - Aditya Birla Finance Profit & Loss Statement (₹ crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Net Interest Income^ 6,296 1,520 1,709 1,711 2,953 3,420 Operating Expenses 1,957 437 508 531 874 1,039 Credit Provisioning 1,352 347 368 336 653 704 Profit Before Tax 2,987 736 8
Slide 21: 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 22: Aditya Birla Housing Finance
Aditya Birla Housing Finance 02 1
Slide 23: Performance Highlights for Q2 FY25
Performance Highlights for Q2 FY25 Disbursement AUM NII2 GS3 PBT ₹ 4,010 crore ₹ 23,236 crore ₹ 273 crore 1.30% ₹ 104 crore ↑ 113% Y-o-Y ↑ 51% Y-o-Y ↑ 33% Y-o-Y ↓ 134 bps Y-o-Y ↑ 7% Y-o-Y ↑ 31% Q-o-Q ↑ 14% Q-o-Q ↑ 20% Q-o-Q ↓ 30 bps Q-o-Q ↑ 22% Q-o-Q 95% retail disbursement at 9.2% ABG ecosystem 1.5
Slide 24: Continued growth in disbursements and AUM
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 113% y-o-y 51% y-o-y 4,010 15,439 20,399 23,236 3,068 9.0% 11.4% 12.5% 7.3% 9.0% 9.3% 34.2% 31.0% 29.9% 1,882 16.8% 18.4% 19.2% 32.7% 30.2% 29.0% Q2 FY24 Q1 FY25 Q2 FY25 Q2 FY24 Q1 FY25 Q2 FY25 Prim
Slide 25: With focus on portfolio quality
…with focus on portfolio quality Particulars Sep’23 Jun’24 Sep’24 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.61% 14,592 97.36% 19,182 97.78% 21,717 Stage 2 1.76% 269 1.04% 204 0.92% 205 Stage 3 2.63% 402 1.60% 315 1.30% 288 Stage 2 and 3 4.39% 671 2.64% 519 2.22% 493 Total 100.0% 15,263 100.0% 19,702
Slide 26: Strong balance sheet with well-matched ALM
Strong balance sheet with well-matched ALM ALM optimised for liquidity and costs Borrowing Mix (on Sept 30, 2024) Sep-23 Sep-24 Cumulative Outflows Cumulative Inflows 100% 100% 10% 14% 82% 80% Term Loan 35% 45% NHB 25% NCD 33% 35% 22% 23% Others 17% 17% 33% 13% 13% 7% 7% 0-1 months 1-2 months 2-3 mo
Slide 27: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Net Interest Income (Incl. fee income) 815 205 227 273 394 500 Operating expenses 443 107 136 157 207 293 Operating profit 372 98 91 116 188 207 Credit provisioning -5 1 6 12 6 19 Profit before t
Slide 28: 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 29: Aditya Birla Sun Life AMC
ADITYA BIRLA CAPITAL Aditya Birla Sun Life AMC 02 Aditya Birla Capital Ltd.
Slide 30: Performance Highlights for Q2 FY25
Performance Highlights for Q2 FY25 Mutual fund Equity Individual Total QAAUM1 MAAUM3 PAT QAAUM1 Revenue ₹ 3,83,309 crore ₹ 1,80,658 crore ₹ 2,03,391 crore ₹ 520 crore ₹ 242 crore Market share Market share2 4.55% ↑ 28% Y-o-Y ↑ 33% Y-o-Y ↑ 36% Y-o-Y 6.47% Mix 47.1% Monthly SIP4 flows Serviced 10.2 mn
Slide 31: Strong growth in AUM
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 24% y-o-y 27% y-o-y 3,67,607 4,00,396 2,93,858 3,51,890 3,72,434 3,23,544 1,003 879 16,084 49,579 46,614 941 14,187 62,086 11,694 54,597 40,058 1,39,097 56,344 1,35,695 1,40,565 1,35,8
Slide 32: 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 28% y-o-y 34% y-o-y ₹ Crore SIPs (Mn) % Count of Total SIPs 95% 2,03,391 71,061 47% 42% 88% 4.59 1,425 1,59,069 53,082 968 3.23 Se
Slide 33: Strong growth in alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/Pipeline Fund Raising underway Q2 FY24 Q2 FY25 ABSL India Special Opportunities Fund ABSL Structured Opportunities Fund II ` 3,852 Cr ` 3,852 Cr ` 2,324 Cr ↑ 66% Product Pipeline PMS/AIF India Yield Advantage Fund INR 7,861 Cr ABSL Money Mana
Slide 34: Building Passive Business
Building Passive Business Passive AUM1 ` 30,125 Cr ~9,58,000 Investor Folios Serviced 7x growth since Sep-21 Sep-2024 Sep-2021 INR 7,861 Cr ` 2,964 Cr Rank 1 ↑ 10x ` 30,125 Cr In Debt Index2 47 Extensive product bouquet ETF AUM Index AUM FOF AUM 3x growth since Sep 2021 ` 1,008Cr ↑8x ` 7,862 Cr ` 1,
Slide 35: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 5,500 + new MFDs in H1 FY25 300+ Locations 86,000+ 90 95+ 340+ 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 36: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Revenue from Operations 1,353 335 387 424 646 811 Costs 632 154 177 185 303 362 Operating Profit 721 181 210 239 344 449 Other Income 287 56 95 96 133 191 Profit before tax 1,008 237 305 335 477 640 Tax 228 59 69 9
Slide 37: 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 38: Aditya Birla Sun Life Insurance
Aditya Birla Sun Life Insurance 37
Slide 39: Performance Highlights for H1 FY25
Performance Highlights for H1 FY25 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 1,578 cr ` 2,834 cr ` 8,657 cr ` 95,553 cr 7.4% ↑ 33% Y-o-Y ↑ 45% Y-o-Y ↑ 27% Y-o-Y ↑ 24% Y-o-Y ↓ ~680 bps Y-o-Y NB Policies growth at 27% Renewal Premium ↑ 12% Embedded Value at ` 12,368 cr ↑ 20.9% Y-o-Y 38 1.
Slide 40: Outperformed industry growth in individual and group segments
Outperformed industry growth in individual and group segments Individual FYP1 Group New Business Premium Private Private ABSLI Industry ABSLI Industry Players Players Y-o-Y 33% Y-o-Y 24% Y-o-Y 21% Y-o-Y Y-o-Y 45% Y-o-Y 2% Y-o-Y 20% Y-o-Y ` crore ` crore 1,578 2,834 1,188 2,166 1,959 1,051 Sep’22 Sep
Slide 41: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 4,700+ 380+ 59,900+ 111 26,300+ Cities Own Branches Agents Banca Tie-ups Bank Branches Strong growth across channels Channel Mix Product Mix by Channel (H1 FY25 FYP ` In Cr) (H1 FY25) Proprietary Partnership Protection Traditional ULIP 34% 5% 2% 30% 35% 38
Slide 42: Product Mix and VNB margin
Product Mix and VNB margin Product Mix VNB ` crore 3% 3% 3% 12.3% 23.0% 14.2% 20.2% 7.4% 17-18% Protection 61% Traditional 74% 79% 800 ULIP 697 195 136 150 36% 23% 18% H1 FY23 H1 FY24 H1 FY25 H1 FY23 FY23 H1 FY24 FY24 H1 FY25 FY25E Param Suraksha- High Sum Assured ULIP ❖ Pre-Approved Sum Assured (PA
Slide 43: Strong digital adoption
Strong digital adoption leading to… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 81% Servicing 94% New Business 34% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 81% WhatsApp & Chatbot PASA1 contributed 34% proc
Slide 44: 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 ↑ 12% 14% Y-o-Y 81% 77%3 H1 FY25 H1 FY24 H1 FY23 Δ 2Y 16% - 2Yr CAGR 88% 3% 20.2% 20.6
Slide 45: Robust investment process and performance
Robust investment process and performance… Asset Under Management (in ` Cr) Composition of AUM 22% - 2Yr CAGR 95,553 3% Debt 76,994 24% 26% Equity 64,643 75% 75% 76% 24% 25% 25% Sep’22 Sep’23 Sep’24 47% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer Ma
Slide 46: P&L and Key Ratios - Aditya Birla Sun Life Insurance
P&L and Key Ratios - Aditya Birla Sun Life Insurance (` crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Individual First year Premium1 3,546 745 807 1,074 1,347 1,881 Group First year Premium 4,554 898 1,498 1,336 1,959 2,834 Renewal Premium 9,160 2,080 1,681 2,261 3,521 3,942 Total Gross Premiu
Slide 47: 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 48: Aditya Birla Health Insurance
Aditya Birla Health Insurance 47
Slide 49: Performance Highlights for H1 FY25
Performance Highlights for H1 FY25 Market Combined GWP1 Share PBT2 Ratio ` 2,171 crore 11.9% SAHI ` (115) crore 113% 10.7% LY (140) Crore 119% ↑ 39% Y-o-Y ↑ 123 bps LY LY ▪ Continues to be the Fastest ▪ Diversified Retail growth ▪ 85%+ increase in Monthly growing SAHI player H1 FY25 across distribut
Slide 50: Scaled-up, diversified and digitally enabled distribution
Scaled-up, diversified and digitally enabled distribution 5000+ 225+ 128K+ 19 6,000+ 11K+ Cities Branches Agents Bank Sales Force Network Partners Hospitals Channel Mix1 Product Mix Non-Metro GWP2 Proprietary 30% 28% Metro 28% 30% Indemnity 84% 80% 73% 69% Partnerships 70% 72% Non - Metro 72% 70% Fi
Slide 51: Distribution Mix and Business Growth
Distribution Mix and Business Growth Highly Diversified Distribution Mix +51% Proprietary We continue to grow higher than the market… Retail GWP 1217 Growth at 38% (` Crores) Focus on scaling Proprietary channel | Increase in Agent 339 count ABHI SAHI Industry 808 H1 FY24 23% +25% 24% Banca H1 FY25
Slide 52: Fulfilling customer expectations – Maternity Product launched
Fulfilling customer expectations – Maternity Product launched Affordable Pricing Limited waiting Fixed benefit cover Period 51
Slide 53: Digital Delivery: Health-first Differentiated Model
Digitally powered health first Differentiated Model Model Know your Health Improve your Health Get Rewarded Health Assessments Eligible Customers earning HR* Scale Lives Intervened YTD Sept’24 3L+ YTD Sept’24 1L+ YTD Sept’24 7.4% YTD Sept’23 1.3L+ YTD Sept’23 0.4L+ YTD Sept’23 4.1% Digital Delivery
Slide 54: Persistency: Driving Higher Engagement for better outcomes
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 55: High Risk Customer Intervention – Outcomes
High Risk Customer Intervention – Outcomes Risk Stratification (WBS) for 16.9L+ customers | 2.23L+ High Risk customers Identified | 1L+ High Risk Customers Intervened Improved Biometrics* Customer experience Financial Impact 45% 3% 23% Better loss ratio2 Blood Sugar Values Members doing in Intervene
Slide 56: Activ Health App as a key product
Activ Health Resulting App as aleading in industry key product in health first proposition engagement Activ Health App 2.8Mn+ 4.6 50+ App Downloads Play-store Rating Services till date Gamification of journey Personalized app Hyper-personalized nudges Dynamic Product Recommendation Cohort based targ
Slide 57: 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 58: Data Engineering
Leveraging data analytics in every step of the insurance lifecycle Customer Customer Revenue Boost Underwriting Claims Health Data Outcomes Service Retention Current Use cases Real-Time Claim Propensity Sales mgmt. Enhancing FWA GenAI enabled Renewal Robust Health for better automation Underwriting
Slide 59: Business Outcomes
Business Outcomes Revenue (` Cr.) Lives covered (Mn) Retail Retail and Group Rural Group (incl. Rural) +31% Byte 24 2171 21 5 18 1561 7 1271 1217 808 13 9 723 8 953 3 548 752 6 7 5 H1 FY23 H1 FY24 H1 FY25 H1 FY23 H1 FY24 H1 FY25 Combined Ratio1 Profit Before Tax2 (` Cr.) 109% 119% 113% -149 -140 -11
Slide 60: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (` crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Retail premium 1,915 444 551 666 808 1,217 Group Premium (Incl rural) 1,786 345 490 464 752 953 Gross written premium 3,701 789 1,041 1,130 1,561 2,171 Revenue (Ind AS) 3,450 731 981 1,088 1,449 2,069 Operatin
Slide 61: 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 62: Other Updates
ADITYA BIRLA CAPITAL Other Updates 61 Aditya Birla Capital Ltd.
Slide 63: Other financial services businesses
Other financial services businesses Revenue Revenue 35% y-o-y PBT 148% y-o-y 394 206 305 83 291 60 Q2 FY24 Q2 FY24 Q2 FY25 Q2 FY23 Q2 FY24 Q2 FY25 General Insurance Broking1 Stock & Securities Broking ARC platform Q2 FY24 Q2 FY25 Δ Q2 FY24 Q2 FY25 Δ Q2 FY24 Q2 FY25 Δ # Customers (Active) 0.8 Lac 1.0
Slide 64: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) FY24 Q2 FY24 Q1 FY25 Q2 FY25 H1 FY24 H1 FY25 Revenue 33,454 7,607 8,656 10,119 14,577 18,776 Profit Before Tax (before share of profit/(loss) of JVs 3,725 945 947 1,126 1,768 2,073 Add: Share of Profit/(loss) of associate and JVs 304 52 81 79 116 160
Slide 65: Thank You
ADITYA BIRLA CAPITAL THANK YOU 64 Aditya Birla Capital Ltd.
Slide 66: 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