Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	General Ins. Corp	Max Financial
Operational Metrics
Banking Sector
Net Interest Margin	6.07 %	n/a	n/a
General Insurance Sector
Float	1869.36 Crs	50038.15 Crs	n/a
Monthly Gross Direct Premium Income (GDPI)	541.97 Crs	3455.69 Crs	290.55 Crs
Yield On Total Investments - General Insurance	7.36 %	11.79 %	n/a
Combined Ratio	115.0 %	103.56 %	95.0 %
Risk Retention Ratio	97.29 %	91.0 %	77.0 %
Life Insurance Sector
Claim Settlement Ratio	98.1 %	n/a	99.51 %
13 Month Persistency Ratio	82.46 %	n/a	82.0 %
61 Month Persistency Ratio	66.92 %	n/a	57.0 %
Management Expense Ratio - Life Insurance	21.09 %	n/a	22.0 %
New Business Performance - Life Insurance	748.4 Crs	n/a	1084.75 Crs
Commission Ratio - Life Insurance	10.41 %	n/a	10.0 %
Embedded Value	13812.0 Crs	n/a	25192.0 Crs
AUM - Life Insurance	99496.0 Crs	n/a	175072.0 Crs
Value Of New Business Margin (VNB)	18.0 %	n/a	24.0 %
NBFC
Capital to Risks Assets Ratio (CRAR)	18.22 %	n/a	n/a
Tier I Capital	15.93 %	n/a	n/a
Cost To Income Ratio	31.12 %	n/a	n/a
Cost of Borrowing	7.7 %	n/a	n/a
AUM - NBFC	126351.0 Crs	n/a	n/a
Gross NPA	3.78 %	n/a	n/a
Financials
5 yr Average ROE	13.25 %	0.0	9.1 %
5yr average Equity Multiplier	8.97	n/a	34.76
5yr Average Asset Turnover Ratio	0.15	n/a	0.27
5yr Avg Net Profit Margin	9.79 %	n/a	0.98 %
5yr Avg Net Profit Margin	9.79 %	n/a	n/a
5yr CAGR Net Profit	24.22 %	n/a	n/a
5yr CAGR Sales	15.6 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.31	n/a	10.14
P/E	21.04	8.98	163.4
Shareholdings
Promoter Holding	68.76 %	82.4 %	1.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.31 %	-3.38 %	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	4.55 %	0.59 %	11.24 %

Business

	Aditya Birla Capital	General Ins. Corp	Max Financial
Segment Break-Up	Segment Break-Up Life Insurance Business 51.32 NBFC 26.93 Health Insurance 10.3 Home loans 5.55 Asset Management 3.5 Broking 0.7 General Insurance Broking 0 Business Investments 0 Life Insurance business 0 Others 1.7	-	Segment Break-Up General Insurance Broking 0 Health Insurance 0 Life Insurance Business 0 Life Insurance Business 99.95 Home loans 0 NBFC 0 Asset Management 0 Broking 0 Business Investments 0.05
Location Wise Break-Up	Location Wise Break-Up India 99.94 Rest of the World 0.06	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up NBFC 52.49 Asset Management 18.25 Health Insurance 11.95 Home loans 7.24 Life Insurance Business 2.96 Broking 0.76 General Insurance Broking 0 Life Insurance business 0 Business Investments 0 Others 6.35	-	Operating Profit Break-Up General Insurance Broking 0 Health Insurance 0 Life Insurance Business 0 Life Insurance business 73.72 Home loans 0 NBFC 0 Asset Management 0 Broking 0 Business Investments 26.28
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Retail 51.29 Group Premium 48.71 Rural Premium 0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Debt 45.46 Equity 37.56 Liquid/ Money Market 11.54 Balanced schemes 3.69 Exchange traded fund 1.76	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC LAP 30.2 Affordable Loans 28.8 Home loans 26.8 CF 14.2	-	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Traditional 73.0 Unit Linked Insurance Plan(ULIP) 24.0 Protection 3.0 Non-Participating(Non-Par) 0 Participating(Par) 0 Annuity 0 Single Premiums 0 Renewal Premiums 0 First Year Premiums 0 Unit Linked Insurance Plan 0 Non-Participating-Savings 0 Group Protection 0 Individual Protection 0 Participating 0	-	Premium Break-Up - Life Insurance Single Premiums 11.91 Renewal Premiums 63.51 Group Protection 0 Annuity 0 Traditional 0 Unit Linked Insurance Plan(ULIP) 0 First Year Premiums 24.58 Non-Participating(Non-Par) 0 Individual Protection 0 Participating(Par) 0 Participating 0 Non-Participating-Savings 0 Protection 0 Unit Linked Insurance Plan 0

Aditya Birla Capital Ltd.

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