Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Investor Presentation (September 2024)
27 slides from Aditya Birla Capital's investor presentation, Sep 20, 2024
Slide 1: Regulation 30 intimation cover letter to exchanges
Ref: No. ABCL/SD/MUM/2024-25/SEPTEMBER/11 20 September 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: ABCAPI
Slide 2: Investor Presentation September 2024
Investor Presentation September 2024 01
Slide 3: Strong growth foundation of the Indian economy with a tectonic shift
Strong growth foundation of the Indian economy with a tectonic shift… FORMALIZATION STRUCTURAL DIGITAL PUBLIC DEMOGRAPHIC RISING & DIGITISATION REFORMS INFRASTRUCTURE DIVIDEND FOREIGN CAPITAL <?xml `version="1.0" 1.75 tn ` 10 tn <?xml version="1.0" <?xml version="1.0" OCEN <?xml version="1.0" 28 <?x
Slide 4: Robust growth in the financial services sector
…leading to a robust growth in the financial services sector Enablers USD bn 2000 2023 change • Credit Total credit 125 2,525 20x • Insurance Under penetration • Savings • Capital Markets MSME credit 2 74 37x • Identity layer - JAM trinity • Enabling transformative Mortgage credit 10 370 37x Digital
Slide 5: Aditya Birla Group: A leading global conglomerate
Aditya Birla Group: A leading global conglomerate A USD 66* bn conglomerate Consolidated market cap of USD 113 # bn Across 6 continents and 40+ countries 180+ state-of-the-art manufacturing units globally 187,000+ employees of over 100 nationalities 300 mn+ loyal customer base Present across wide ra
Slide 6: Aditya Birla Capital: Diversified Financial Services Platform
Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 52.6% 16.3% Aditya Birla Listed Capital Limited Listed 100% 100% 51% 45% 46% Aditya Birla Finance Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100
Slide 7: Our key drivers of strength
Our key drivers of strength… Aditya Birla Group Strong Brand Seamless Large growth Wide range of name & Parentage access to opportunities financial products resonating Trust debt and within the ABC and (loans, investments, equity capital extended ABG insurance and ecosystem payments) …enable us to f
Slide 8: Diversified financial services play
Diversified financial services play NBFC Among the top 5 diversified NBFCs with AAA1 rating & well diversified portfolio of ₹ 1.06 trillion2 HFC HFC Full stack player with AAA3 rating & AUM of ₹ 184.20 billion2 AMC Leading non-bank AMC with AUM of ₹ 3.32 trillion4 Life One of the leading private lif
Slide 9: Our Strategy
ADITYA BIRLA CAPITAL OUR STRATEGY Aditya Birla Capital Ltd.
Slide 10: ONE ABC ONE P&L
Drive Quality and Profitable Growth… One Customer ONE ABC One Experience ONE P&L One Team …By Leveraging Data, Digital and Technology 09
Slide 11: ONE CUSTOMER: Build Deep Understanding of Customer Needs
ONE CUSTOMER: Build Deep Understanding of Customer Needs… ~30 million Customers1 INVESTMENTS INSURANCE 360o Solutions Customised Customer solutions (driven preferences by customer insights) Customer Centricity Customer type Intuitive journeys Seamless (Retail, SME, (convenience of delivery PAYMENTS
Slide 12: ONE EXPERIENCE: Omni Channel Architecture
ONE EXPERIENCE: 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 825 co-located branches Dedicated customer service locations across 231 locations managers for cross sell One Expe
Slide 13: ABCD: D2C platform for customer acquisition
ABCD: D2C platform for customer acquisition Simplicity Unique and engaging design | Uncluttered Layout | Intuitive Navigation | Jargon Free Language | Ease of Action My Track Unified View of bank accounts, deposits, loans, mutual funds, stocks | Instant Health Check with a “Selfie” | Track and Categ
Slide 14: UDYOG PLUS: Addressing 360o needs of MSMEs
UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Programs Financial Growth Solutions Solutions Business Lending Offline to Online • Unsecured business loans discovery • Pre-approved loans Account, HRMS & Supply Chain Payroll Software Financing Business • Channel Finance Networking • Vendor Fi
Slide 15: ONE TEAM: Enriching Lives. Winning as ONE
ONE TEAM: Enriching Lives. Winning as ONE Own Customer Jointly Drive Cross-sell & ensure across Businesses Seamless Delivery Work Together to Uphold FAIR (Focused, Deliver Complete & Agile, Innovative and Result Comprehensive Solutions Oriented) Values Senior Team Incentives ONE TEAM Inculcate ‘Winn
Slide 16: Strong growth momentum across businesses over the last 2 years
"Strong growth momentum across businesses over the last 2 years 15
Slide 17: NBFC: Healthy growth with strong asset quality
NBFC: Healthy growth with strong asset quality AUM (₹ bn) 38% CAGR ➢ Among top 5 diversified NBFCs in India with specific focus on SME segment 1,056.39 805.56 551.80 ➢ AUM grew by CAGR of 38% over two years ➢ ~ 53% of AUM comprises business loans to SMEs Mar'22 Mar'23 Mar'24 ➢ 70%+ of the overall po
Slide 18: HFC: Robust loan book growth
HFC: Robust loan book growth AUM (₹ bn) 23% CAGR ➢ Full stack player: 49% prime, 40% affordable and 11% construction finance in AUM 184.20 121.28 138.08 ➢ Portfolio grew by CAGR of 23% over two years ➢ Monthly disbursement run rate of ` 10 billion+ Mar'22 Mar'23 Mar'24 Asset Quality ➢ Focus on quali
Slide 19: AMC: Healthy growth in AUM and retail franchise
AMC: Healthy growth in AUM and retail franchise QAAUM (₹ tn) 6% CAGR 2.96 3.32 2.75 ➢ Mutual fund AUM of ` 3.32 trillion ( ↑ 21% y-o-y ) with a market share of 6.9%1 Q4 FY22 Q4 FY23 Q4 FY24 ➢ Equity AUM of ` 1.52 trillion ( ↑ 31% y-o-y ) with 45.8% of overall mix Individual MAAUM (₹ tn) ➢ Healthy gr
Slide 20: Life Insurance: Healthy growth with strong quality
Life Insurance: Healthy growth with strong quality Individual FYP (₹ bn) 18% CAGR 30.74 22.12 30.23 ➢ Individual FYP1 at ` 30.74 billion in FY24 (2 yr CAGR: 18%) ➢ Group new business premium at ` 45.54 billion in FY24 (2 yr CAGR: 19%) FY22 FY23 FY24 ➢ New Banca tie-ups with IDFC First Bank, Axis Ban
Slide 21: Health Insurance: Unique 'Health First' model
Health Insurance: Unique ‘Health First’ model GWP (₹ bn) 46% CAGR ➢ Fastest growing standalone health insurer with a 2-year CAGR of 46% 37.01 27.17 17.27 ➢ Market share of 11.2% among SAHI players ➢ Unique product proposition incentivising wellness FY22 FY23 FY24 ➢ Early traction in the latest offer
Slide 22: Consolidated Revenue and PAT
Consolidated Revenue and PAT Consolidated Revenue1,2 (` bn) Consolidated Profit After Tax2 (` bn) 29% CAGR 37% CAGR 390.50 29.02 299.99 20.57 236.33 15.45 FY22 FY23 FY24 FY22 FY23 FY24 1. Consolidated segment revenue; for Ind AS statutory reporting purpose Asset management, wellness business and hea
Slide 23: Strategic update: Simplification of corporate structure
Strategic Strategic update: Simplification of corporate structure 22
Slide 24: Proposed amalgamation of ABFL with ABCL
Proposed amalgamation of ABFL with ABCL Rationale ➢ Simplification of structure by reducing number of legal entities ➢ Creation of a unified large operating NBFC with greater financial strength and direct access to capital ➢ Likely stakeholder value enhancement from potential elimination in holdco d
Slide 25: Resultant structure
Resultant structure Promoter & Grasim Industries Promoter Group 52.6% 16.3% Aditya Birla Capital Limited Listed (NBFC-ICC) Listed 100% 51% 45% 46% Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100% Insurance AMC Insurance Housing Finance Life Insurance
Slide 26: Thank You
ADITYA BIRLA CAPITAL THANK YOU 25 Aditya Birla Capital Ltd.
Slide 27: 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
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