Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q4 FY23 Earnings Presentation
75 slides from Aditya Birla Capital's earnings presentation, May 11, 2023
Slide 1: Q4 FY23 Financial Results Investor Presentation
Q4 FY23 FINANCIAL RESULTS INVESTOR PRESENTATION 11th May 2023 A Leading Financial Services Conglomerate
Slide 2: Diversified Financial Services Platform from a Trusted conglomerate
Diversified Financial Services Platform from a Trusted conglomerate Promoter & Grasim Industries Promoter Group 54.2% 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100% Insurance 51% AMC Insurance Non Ban
Slide 3: Our Key Strengths
Our Key Strengths Strong Brand name & Parentage resonating Trust Aditya Birla Group Seamless access to Capital Large growth opportunities within the ABC and extended ABG ecosystem 3
Slide 4: ONE ABC ONE P&L
OUR APPROACH: Drive quality and profitable growth One Customer ONE ABC ONE P&L One Team One Experience By Leveraging Data, Digital and Technology Aditya Birla Capital Limited 4
Slide 5: ONE CUSTOMER: Build deep understanding of customer needs
ONE CUSTOMER: Build deep understanding of customer needs Comprehensive solutions across Customer profiling PIFA1 Customer preferences Intuitive journeys (DIY2, assisted) (convenience of usage) One Customer Customer life stage Customised (driven by (Progressive, full nester/ customer insights) empty
Slide 6: ONE EXPERIENCE: Omni Channel Architecture with consistent experience
ONE EXPERIENCE: Omni Channel Architecture with consistent experience 1,295 2 lakh+ Branches across businesses1 channel partners1 Business to Direct to Udyog Plus-B2B One ABC channel partners customers (D2C) platform for MSME locations (B2D) platform VRM Channel live Launched comprehensive Channels p
Slide 7: Udyog Plus: Comprehensive digital platform for MSME ecosystem
UDYOG PLUS: COMPREHENSIVE DIGITAL PLATFORM FOR MSME ECOSYSTEM Cash flow backed lending by using traditional and alternate data sources along with value-added services for MSME ecosystem to manage and grow their business Opportunities in ABG Finance Business Solutions ecosystem Loan E-commerce Bankin
Slide 8: D2C platform offering PIFA products
D2C PLATFORM OFFERING PIFA PRODUCTS… Customer PIFA across touchpoints Virtual App Website Engagement Laying foundational elements for execution Company set-up Team composition Products and structure Multi-skilled team across Products, Collaboration with NPCI ABC Digital - A wholly owned Tech, Market
Slide 9: INFINITE: Digital start-up engagement platform
INFINITE: Digital start-up engagement platform Continuous Scouting for Partnerships / Investment in digital Accelerating an innovation-led emerging / transformational capabilities/ FinTech to ensure culture technologies competitive edge A programmatic engagement with start-ups Hackathons and innovat
Slide 10: ONE TEAM: Enriching lives, Winning as One
ONE TEAM: Enriching lives, Winning as One Work Together to Drive Cross sell Deliver Complete & & ensure Comprehensive Seamless Delivery Solutions Uphold FAIR (Focused, Culture fostering Agile, Innovative innovation and Result Oriented) values Senior Team Inculcate ‘Winning Incentives aligned as one
Slide 11: Management
Leadership team aligned with the approach of One ABC One P&L Vishakha Mulye Chief Executive Officer ABCL Business CEOs Rakesh Singh A. Bal Subramaniam Kamlesh Rao Pankaj Gadgil Tushar Shah Mayank Bathwal Sandeep Dadia MD & CEO MD & CEO MD & CEO MD & CEO CEO, Infra & CEO CEO Aditya Birla Finance Asse
Slide 12: Performance highlights
Performance highlights Aditya Birla Capital Limited 12
Slide 13: FY23 Performance Highlights
FY23 | Performance Highlights Strong performance with accelerated growth momentum across businesses Lending Book1 Gross Total AUM3 Consolidated Premium2 PAT ` 94,364 crore ` 17,787 crore ~ ` 3.6 lac crore ` 2,057 crore4 ↑ 40% Y-o-Y ↑ 28% Y-o-Y ↓ 3% Y-o-Y ↑ 33% Y-o-Y5 ↑ 10% Q-o-Q ~ 38 mn 1,295 24% y-
Slide 14: FY2023: Delivery on key metrics across businesses
FY2023: Delivery on key metrics across businesses Life Health NBFC Housing Asset Management Insurance Insurance 1 Loan Book 1 AUM Growth 1 Premium Growth2 ` 80,556 crore1 ` 13,808 crore1 ` 2,86,180 crore ` 1,15,827 crore Individual FYP Gross Premium 46% y-o-y 14% y-o-y Domestic AAUM3 Equity AAUM3 37
Slide 15: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated revenue and PAT Business-wise Profitability Revenue1 Businesses (` crore) FY22 FY23 Y-o-Y 27% y-o-y NBFC 1,487 2,090 41% 23,633 29,999 HFC 253 309 22% 20,453 Asset Management 895 794 11% Life Insurance 175 196 12% Other Businesses 176 236 34% FY21 FY22 FY23
Slide 16: Aditya Birla Finance Ltd
Aditya Birla Finance Ltd Aditya Birla Capital Limited 16
Slide 17: Performance highlights for FY23
Performance highlights for FY23 Retail, SME & AUM HNI loans1 NII2 PBT GS2 & GS33 ₹ 53,964 crore ₹ 80,556 crore ₹ 4,410 crore ₹ 2,090 crore 5.84% (67% of AUM) ↑ 46% Y-o-Y ↑ 57% Y-o-Y 315 bps Y-o-Y ↑ 43% Y-o-Y ↑ 41% Y-o-Y ↑ 10% Q-o-Q ↑ 13% Q-o-Q 115 bps Q-o-Q 5.7 mn active customers at Mar 31, 2023 32
Slide 18: Robust growth in disbursements and loan book
Robust growth in disbursements and loan book Disbursements (₹ crore) Q4 FY22 Q3 FY23 Q4 FY23 Q4 Y-o-Y FY22 FY23 FY Y-o-Y - Unsecured business 1,070 1,083 1,306 22% 2,447 4,468 83% - Secured business 3,885 3,894 5,535 42% 9,831 16,766 71% Total Business loans 4,956 4,977 6,841 38% 12,278 21,234 73% P
Slide 19: Detailed loan book breakup
Detailed loan book breakup Personal & Consumer 3x y-o-y Secured business 31% y-o-y 15,442 31,944 LAS 29,186 Consumer Loan 12,812 13% 21% 24,428 15% Personal Loan 21% TL / WCDL 15% 29% 28% LRD 30% 8% 8% 5,208 79% 79% 11% 23% LAP 51% 44% 49% 77% Q4 FY22 Q3 FY23 Q4 FY23 Q4 FY22 Q3 FY23 Q4 FY23 ATS (₹ l
Slide 20: 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 ~ ₹ 28,000 ~ ₹
Slide 21: Use of analytics for sourcing, underwriting and collections
Use of analytics for sourcing, underwriting and collections… Sourcing Underwriting Collections New to business customers Identify credit worthy customers Root Cause identification Custom Multiple Application Scorecards for Identify cohorts with challenges (inability to ▪ Create scorecard for new cus
Slide 22: Strong outcomes in customer sourcing and servicing
…leading to strong outcomes in customer sourcing and servicing Customer EMIs Collected Digital Service Email BOT Onboarding 99% Digitally 99% Interactions 84% Accuracy 89% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Inbound contact center Signifi
Slide 23: Underwriting approach in personal and consumer loans
Underwriting approach in personal and consumer loans Bureau score buckets1 Underwriting Approach 1 Utilization of Scorecard for better Customer Selection 4% 54% 1 2 Usage of Alternate Data in credit decisioning 9% Customer Profile 1 3 STP process for faster TAT 33% Usage of behavior based Predictive
Slide 24: Improving asset quality trends
Improving asset quality trends Mar’22 Dec’22 Mar’23 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 91.02% 49,770 93.02% 67,546 94.16% 75,758 Stage 2 5.41% 2,956 3.36% 2,441 2.72% 2,187 Stage 3 3.58% 1,956 3.62% 2,630 3.12% 2,507 Stage 2 and 3 8.98% 4,912 6.98% 5,071 5.84% 4,695 Total Loan book 10
Slide 25: Well matched ALM and diversified borrowing mix
Well matched ALM and diversified borrowing mix 100% 100% Funding Mix Cumulative Outflows 3% 5% 7% Cumulative Inflows 81% 82% 9% 9% 7% 46% 44% 53% 36% 28% 28% 33% 23% 14% 17% 18% 20% 6% 9% Mar’22 Mar’23 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 years > 5 years Term Loan NCD CP ECB C
Slide 26: Our Approach
Our Approach Deep mine existing customer base acquired through digital ecosystems using analytics and increase cross-sell Scorecard based STP1 journeys with zero human interventions Increase share of emerging salaried segment in personal loans Tie up with new partners to diversify digital ecosystem
Slide 27: P&L and Key Ratios – Aditya Birla Finance Limited
P&L and Key Ratios – Aditya Birla Finance Limited Profit & Loss Statement (₹ crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Net Interest Income (Incl. fee income) 805 1,222 1,271 3,088 4,410 Operating expenses 257 391 396 947 1,417 Credit provisioning 147 292 271 653 903 Profit before tax 401 540 604 1,48
Slide 28: Aditya Birla Housing Finance
Aditya Birla Housing Finance Aditya Birla Capital Limited 28
Slide 29: Performance Highlights for FY23
Performance Highlights for FY23 Disbursement Loan book NII2 NIM PBT ₹ 5,300 crore ₹ 13,808 crore ₹ 659 crore 5.08% ₹ 309 crore ↑ 14% Y-o-Y ↑ 27% Y-o-Y ↑ 22% Y-o-Y ↑ 42% Y-o-Y ↑ 75 bps Y-o-Y ↑ 6% Q-o-Q 94% disbursement at 4.99 % Stage 2 and 3 loans 1.9% RoA ( 22 bps y-o-y) CIBIL >700 & NTC1 377 bps y
Slide 30: Continued growth in disbursements and book
Continued growth in disbursements and book… Momentum in disbursement (₹ crore) Growth in book (₹ crore) 36% y-o-y 14% y-o-y 1,790 12,128 12,993 13,808 6% 7% 8% 1,387 7% 7% 7% 1,316 31% 35% 34% 20% 17% 17% 36% 34% 34% Q4 FY22 Q3 FY23 Q4 FY23 Q4 FY22 Q3 FY23 Q4 FY23 • Healthy growth in disbursements a
Slide 31: Focus on quality of origination
…with focus on quality of origination… Credit bureau score mix Particulars Q4 FY22 Q3 FY23 Q4 FY23 > 700 77% 83% 88% Continued focus on quality of New to credit 13% 11% 8% origination with 96%+ disbursement 651 – 700 9% 5% 4% at CIBIL >700 & NTC < 650 1% 1% 0% Rigorous monitoring of key portfolio
Slide 32: Resulted in improving portfolio quality
…resulted in improving portfolio quality Particulars Mar 31, 2022 Dec 31, 2022 Mar 31, 2023 % ₹ crore % ₹ crore % ₹ crore Stage 1 91.25% 11,067 92.30% 11,993 95.01% 13,120 Stage 2 5.26% 638 4.04% 525 1.76% 243 Stage 3 3.49% 423 3.66% 476 3.23% 446 Stage 2 and 3 8.75% 1,061 7.70% 1,000 4.99% 688 Tota
Slide 33: Strong balance sheet with well-matched ALM
Strong balance sheet with well-matched ALM ALM optimised for liquidity and costs Borrowing Mix (on Mar 31, 2023) Cumulative Outflows Mar-22 Mar-23 100% 100% 6% 3% Cumulative Inflows 80% 78% Term Loan 22% 23% NHB 32% 34% 53% 19% 23% NCD 10% 11% 13% 17% 5% 6% 14% 61% Others 18% 0-1 months 1-2 months 2
Slide 34: Robust financial performance
Robust financial performance Cost of borrowing Spread Despite increase in Cost of borrowings … …maintained healthy spread 6.61% 7.10% 7.53% 3.53% 4.15% 3.79% Q4 FY22 Q3 FY23 Q4 FY23 Q4 FY22 Q3 FY23 Q4 FY23 Cost-to-income ratio Return on Assets (% AAUM) Inc. in CIR due to accelerated investments in H
Slide 35: Our Approach: Deliver sustainable growth and RoA in medium term
Our Approach 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 Digital capabilities for seamless customer onboarding and servicing Service Building a culture of sp
Slide 36: End to end digital reinvention of loan life cycle
End to end digital reinvention of loan life cycle U N I V E R S E TM TM Vi Lead Management Dashboard Assisted / Integrated Salesforce CRM module for Lead to Loan Dashboards viz. Sales DIY customer Journeys building top of the funnel and activity Pipeline, Applications, Credit Inventory, management v
Slide 37: Leveraging analytics throughout loan lifecycle
Leveraging analytics throughout loan lifecycle Application Scorecard for no touch, low touch & Portfolio EWS5 indicators medium touch journeys Pre delinquency Collateral value prediction management Data platform Bureau income estimation Service Representation Resourcing and Excellence pr
Slide 38: P&L and key ratios – Aditya Birla Housing Finance Limited
P&L and key ratios– Aditya Birla Housing Finance Limited (₹ crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Net Interest Income (Incl. fee income) 139 177 169 521 659 Operating expenses 58 73 76 193 278 Operating profit 82 104 93 328 381 Credit provisioning 12 26 11 75 72 Profit before tax 70 78 83 253 309
Slide 39: Aditya Birla Sun Life AMC Ltd.
Aditya Birla Sun Life AMC Ltd. Aditya Birla Capital Limited 39
Slide 40: Performance highlights for Q4 FY23
Performance highlights for Q4 FY23 Mutual fund Equity Individual Revenue PAT QAAUM QAAUM MAAUM ₹ 2,75,204 crore ₹ 1,15,827 crore ₹ 1,40,303 crore ₹ 329 crore2 ₹ 136 crore Market share Market 5.6% ↑ 2% Y-o-Y 5% Y-o-Y 14% Y-o-Y share1 7.7% Mix 42.1% 3x y-o-y3 0.7 million folios added in FY23 12% Y-o-Y
Slide 41: Assets under management
Assets under management Mutual fund closing assets under management1 Total average assets under management1 2,78,197 2,75,287 2,62,292 3,07,409 2,93,009 2,86,180 930 1,025 42,107 10,674 1,010 49,060 37,420 10,267 9,966 47,594 53,493 50,126 1,18,452 1,09,459 1,13,738 1,27,218 1,08,156 1,09,251 1,17,6
Slide 42: Growth in retail franchise and SIP book
Growth in retail franchise and SIP book Individual MAAUM B-30 MAAUM Long Tenure SIP Building sustainable SIP Book Book (2) 2% y-o-y SIP Book in ₹ #of Live Outstanding % Count of Total SIPs 2% y-o-y SIPs1 (Mn) Crore(1) 1,40,303 3.29 1,38,019 45,982 44,846 1,003 91% 82% 895 3.18 Mar-22 Mar-23 Mar-22 M
Slide 43: Growth in passives and alternative investments
Growth in passives and alternative investments Passives 28,223 1,378 Passive AUM (in ` Cr)1 21,619 9,962 12,695 16,923 1,292 ETF ~4,96,000 3x Investor Folios Serviced Growth in Passives2 1,163 21,897 Index 1,115 17,415 1,167 14,017 10,161 FOF 7,439 1,355 1,420 1,742 2,912 4,948 7 Product Pipeline Ma
Slide 44: Growth in multi-channel distribution network
Growth in multi-channel distribution network Empaneled 9,000 + new MFDs in FY23 290+ Locations 72,000+ 80+ 85+ 270+ 75+ MFDs Banks Emerging Market National Digital Over 80% are Locations Distributors Partners in B30 cities Servicing Investors across 19,000+ Pan-India pin codes Overall Asset Sourcing
Slide 45: Our Digital Assets & Partnership
Our Digital Assets & Partnership Customer Customer Distributor Digital Onboarding 75% Servicing 87% Onboarding 92% Transactions 84% Enhancing Digital Capabilities • Instant Redemption in Overnight Fund • Launched Digital NRI KYC for investing in mutual funds • Automated internal processes to bring i
Slide 46: Key financials – Aditya Birla Sun Life AMC
Key financials– Aditya Birla Sun Life AMC (₹ crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Revenue 347 363 329 1,409 1,354 Costs 138 140 148 514 560 Profit before tax 209 223 181 895 794 Tax 51 56 45 222 197 Profit after tax 159 166 136 673 596 Mutual fund AAUM 2,95,805 2,81,717 2,75,204 2,92,578 2,80,25
Slide 47: Aditya Birla Sun Life Insurance Ltd.
Aditya Birla Sun Life Insurance Ltd. Aditya Birla Aditya BirlaCapital CapitalLimited Limited 47
Slide 48: FY23 Performance Highlights
FY23 | Performance Highlights Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 3,023 cr ` 4,189 cr ` 15,070 cr ` 70,051 cr 23% ↑ 24% Y-o-Y ↑ 15% Y-o-Y ↑ 37% Y-o-Y ↑ 30% Y-o-Y ↑ 801 bps Y-o-Y 2 Yr CAGR - 24% Superior returns FY23 Individual FYP growth Renewal Premium ↑ 14% with Absolute Net VNB
Slide 49: Continue to outperform industry growth
Continue to outperform industry growth Individual FYP1 Group New Business Premium Private Private Industry ABSLI Industry ABSLI Players Players FY23 FY23 37% Y-o-Y 24 % Y-o-Y 19% Y-o-Y Growth 30% Y-o-Y 17% Y-o-Y 20% Y-o-Y Growth ` crore ` crore 3,023 4,189 2,212 3,223 1,938 2,488 FY21 FY22 FY23 FY21
Slide 50: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 3,500+ 340+ 64,000+ 8 15,500+ Cities Own Branches Agents Banca Tie-ups Bank Branches Strong growth across channels Product Mix by Channel (FY23 FYP ` In Cr) Channel Mix (FY23) Protection Traditional ULIP 42% Proprietary Partnership 1% 4% 29% 1,808 45% 42%
Slide 51: Value accretive products and active risk strategy
Value accretive products and active risk strategy… Product Mix New Products and Risk Mitigation 5.8% 5.5% 2.0% • Overall healthy Product Mix Product • 25% Upsell contribution of Individual FYP in FY23 Mix • Relatively younger customer profile with opportunities for up-sell more 60.8% solutions over
Slide 52: Consistent Quality Improvements
Consistent Quality Improvements TotalRenewal Total RenewalPremium Premium( ` Persistency11 Opex to premium ratio ( crore) ` crore) Renewal Growth Digital Renewal Improving Persistency across all Controlled Operating expenses cohorts ↑ 14% Y-o-Y 77% Mar FY23 Mar FY22 Mar FY21 19% - 2Yr CAGR Δ 2Y 14.2
Slide 53: Strong investment process
Strong investment process Asset Under Management (in ` Cr) Composition of AUM 15% - 2Yr CAGR 70,051 3% 60,796 52,615 25% Debt 28% Equity 76% 74% 76% 24% 26% 24% Mar’21 Mar’22 Mar’23 44% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer Maximizer Debenture
Slide 54: Leveraging digital
Leveraging digital… Customer Customer Self Pre-Approved Onboarding 99% Digital Renewal 77% Servicing 87% New Business 25% Customer Experience Customer Retention Customer Centricity Pre-Purchase 99% New business Digital collection at 77%, WhatsApp & Chatbot has PASA1 contributed sourced digitally gro
Slide 55: Strong growth in value of new business
Strong growth in value of new business VNB1 Indian Embedded Value2 ~801 bps 2.17x ` crore y-o-y y-o-y ` crore 10.6% 15.0% 23.0% RoEV: 22.6% 3.7x 189 9014 800 575 260 800 7609 731 6441 369 219 FY21 FY22 FY23 FY’21 FY’22 Unwind VoNB Operating Economic Capital FY’23 & Variance Injection Assumption vari
Slide 56: Our Approach
Our Approach Grow traditional products including protection in retail segment Focus on growing credit life in group segment Continue to make investments in direct channels Growth Invest in PSU relationships to grow the mindshare Mitigate interest rate risk by Active forward rate agreement management
Slide 57: P&L and key ratios – Aditya Birla Sun Life Insurance Limited
P&L and key ratios– Aditya Birla Sun Life Insurance Limited (` crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Individual first year premium 826 892 1,336 2,442 3,484 Group first year premium 1,032 930 1,093 3,223 4,189 Renewal premium 2,217 1,918 2,527 6,475 7,397 Total gross premium 4,074 3,740 4,956 12,
Slide 58: Aditya Birla Health Insurance Ltd.
Aditya Birla Health Insurance Ltd. Aditya Birla Capital Limited 58
Slide 59: Performance highlights for FY23
Performance highlights for FY23 GWP1 Market PBT Total Lives Combined Share2 Covered Ratio ` 2,717 crore 10.4% ` (220) crore 2.1 crore 110% ↑ 208 bps Loss reduced by Improved by ↑ 57% Y-o-Y ↑ 11% Y-o-Y Y-o-Y ` 91 Cr Y-o-Y 17% Y-o-Y Fastest growing in the 9.99% stake sale to ADIA Industry standalone a
Slide 60: Industry trend FY23
Industry trend FY23 Growth% Y-o-Y ABHI Gross written premium (` Cr) ABHI SAHI Industry 2 Yr CAGR 45% +57% +26% +21% ` crore 2,717 1,727 1,301 Market Share FY22 FY23 SAHI Market Share 8.3% 10.4% Industry Market FY21 FY22 FY23 Share 2.1% 2.8% Source: GI Council segment report 12M FY23 Aditya Birla Cap
Slide 61: Customer at the Heart of our Health First Approach
Customer at the Heart of our Health First Approach Traditional Industry Approach ABHI Approach to Insurance Sickness Funding Health Assurance Language of Fear Language of Good Health Insurance First Health first High Friction Claim Process Care Manager Led model Only Hospital Network Integrated Heal
Slide 62: Differentiated business model
Differentiated business model… Know Your Health Improve Your Health Get Rewarded 03 02 01 LOW RISK HIGH RISK MEDIUM RISK 180+ data WBS2 points Access to Holistic Integrated Upto 100% health & Wellness Ecosystem - HealthReturnsTM 33%1 of customers administered 60+partners 15% 4.3 lac+ Health Assessme
Slide 63: Unique Product Proposition
Unique Product Proposition… Incentivize Wellness Product Innovation & Segment Specific Market expansion Upto 100% of Health Returns (Return of Premium) Young & Healthy | Senior citizen Chronic care Byte & Contextual ABCD with conditions Ride | Travel | Telco | Gym Critical Illness Innovative suite C
Slide 64: Scaled-up, diversified and digitally enabled distribution
Scaled-up, diversified and digitally enabled distribution +33% 1,519 416 4800+ 200+ 85,000+ 10,500+ 4,000+ 1,140 Cities Branches Agents Hospital Sales Force Partners 306 503 419 232 17 Bank Partners 15 Private Bank 2 PSU Bank 129 285 367 Proprietary Banca Digital Growth at 36 % Growth at 20 % Growth
Slide 65: Brand campaign with Customer as Ambassadors
Brand campaign with Customer as Ambassadors 360o Brand Campaign - #KyaPeecheChhodaHai 67+ Mn Digital Reach 43+ Mn 51+ Mn TV Reach Digital Views 100+ 1.4 Customer Testimonials Mn Clicks 65
Slide 66: Leveraging digital
Leveraging digital… Digital Suit 94% 7.2 Mn Customer First App - Digital Chatbot & Onboarding & Customers Digital health eco WhatsApp Retention onboarded customer End to End system Servicing Journey digitally across interactions businesses Hyper Omni Channel Buy & Renewal Digital Claims Journey Jour
Slide 67: Leveraging data analytics
LEVERAGING DATA ANALYTICS Analytics Initiatives for FY23 Fraud & Risk Management CLTV – Acquisition, Persistency Customer engagement/ & Cross-sell experience Fraud 2 ML model refreshed : >40Cr 1.28mn WBS generated – PASA 15% NOP lift over last year WBS / Detection savings annualized helping to lower
Slide 68: Superior customer experience
Superior customer experience Customer experience focus 96% claim settlement ratio One of the best in the Industry 75% Cashless claims settled within 2 hrs 10,693 provider network One of the largest in the Industry Extensive backend claims processing systems | Increasing Digitization for better adjud
Slide 69: Business Outcomes
Business Outcomes Revenue (` Cr.) Lives covered (Mn.) GWP1 growth at 57% Y-0-Y Lives covered growth at 11% Y-0-Y Rural Retail & Rural Byte +27% Group +45% 2717 Retail & Group 21 19 1727 13 8 11 59% 1301 8 4 77% 6 82% 41% 2 23% 4 4 6 18% FY21 FY22 FY23 FY21 FY22 FY23 Combined Ratio* Profit Before Tax
Slide 70: P&L – Aditya Birla Health Insurance Limited
P&L– Aditya Birla Health Insurance Limited ( ` In crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Retail Premium 349 351 445 1,140 1,519 Rural Premium 70 13 4 169 86 Group Premium 138 223 410 418 1,112 Gross Written Premium 557 588 859 1,727 2,717 Revenue (IND AS) 533 561 803 1,631 2,566 Operating expenses
Slide 71: Other Updates
Other Updates Aditya Birla Capital Limited 71
Slide 72: Other financial services businesses
Other financial services businesses Revenue Revenue PBT 26% y-o-y 2% y-o-y 190 238 1,100 1,081 896 130 FY21 FY22 FY23 FY21 FY22 FY23 General Insurance Broking Stock & Securities Broking Asset Reconstruction Company FY22 FY23 Δ FY22 FY23 Δ FY22 FY23 Δ Premium Placement 5,687 5,598 ↓ 2% # Customers (A
Slide 73: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) Q4 FY22 Q3 FY23 Q4FY23 FY 2022 FY 2023 Revenue 6,617 6,938 8,025 22,230 27,416 Profit Before Tax (before share of profit/(loss) of JVs 529 700 768 1,769 2,624 Add: Share of Profit/(loss) of associate and JVs 79 60 64 341 273 Profit before tax 608 760
Slide 74: 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 75: 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 Group" shall mean Aditya Birla Capital Limited, tog