Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	Canara Bank	General Ins. Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.88 %	3.07 %	n/a
General Insurance Sector
Yield On Total Investments - General Insurance	7.68 %	n/a	11.79 %
Combined Ratio	125.0 %	n/a	120.47 %
Monthly Gross Direct Premium Income (GDPI)	522.44 Crs	n/a	8778.26 Crs
Float	1394.97 Crs	n/a	50038.15 Crs
Risk Retention Ratio	97.48 %	n/a	91.0 %
Life Insurance Sector
New Business Performance - Life Insurance	1410.35 Crs	n/a	n/a
Value Of New Business Margin (VNB)	15.6 %	n/a	n/a
Management Expense Ratio - Life Insurance	18.84 %	n/a	n/a
13 Month Persistency Ratio	83.39 %	n/a	n/a
61 Month Persistency Ratio	63.97 %	n/a	n/a
Commission Ratio - Life Insurance	7.14 %	n/a	n/a
AUM - Life Insurance	82043.0 Crs	n/a	n/a
Claim Settlement Ratio	98.1 %	n/a	n/a
Embedded Value	10226.0 Crs	n/a	n/a
NBFC
Cost of Borrowing	7.65 %	5.0 %	n/a
AUM - NBFC	82043.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	16.7 %	16.28 %	n/a
Gross NPA	3.54 %	n/a	n/a
Cost To Income Ratio	32.27 %	50.08 %	n/a
Financials
5 yr Average ROE	11.86 %	5.63 %	0.0
5yr average Equity Multiplier	9.51	18.29	n/a
5yr Average Asset Turnover Ratio	0.15	0.08	n/a
5yr Avg Net Profit Margin	8.39 %	3.51 %	n/a
5yr Avg Net Profit Margin	8.39 %	3.51 %	n/a
5yr CAGR Net Profit	40.66 %	79.63 %	n/a
5yr CAGR Sales	12.23 %	13.96 %	n/a
5 yr CAGR PPOP	n/a	20.63 %	n/a
Price to Book	2.16	1.08	n/a
P/E	17.36	6.52	8.29
Shareholdings
Promoter Holding	68.96 %	62.93 %	85.78 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.74 %	-6.4 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.44 %	2.46 %	-0.21 %

Business

	Aditya Birla Capital	Canara Bank	General Ins. Corp
Segment Break-Up	Segment Break-Up Life Insurance Business 45.53 NBFC 33.27 Health Insurance 7.87 Home loans 4.68 Asset Management 4.18 General Insurance 2.14 Broking 1.01 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 1.32	Segment Break-Up Consumer Finance 43.93 NBFC 0 Asset Management 0 Life Insurance Business 0 General Insurance 0 Life Insurance Business 7.82 Health Insurance 0 Treasury Operations 18.17 Broking 0 Home loans 0 Corporate Banking 30.08	-
Location Wise Break-Up	Location Wise Break-Up India 99.93 Rest of the World 0.07	Location Wise Break-Up India 95.48 Rest of the World 4.52	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up NBFC 56.63 Asset Management 19.46 Home loans 7.4 Life Insurance Business 3.85 Broking 1.38 General Insurance 0.63 Health Insurance 0 Others 10.65	-	-
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Retail 56.26 Group Premium 42.91 Rural Premium 0.83	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 40.35 Debt 31.12 Liquid/ Money Market 20.68 Balanced schemes 4.47 Exchange traded fund 2.03 ETF 0 Balanced schemes 0 EQUITY 0 FMP 0 Gilt 0 Others 1.35	AUM Break-Up - Asset Management Equity 78.21 Debt 4.89 FMP 0 Liquid/ Money Market 4.97 Equity 0 Exchange traded fund 0 Gilt 0 Balanced schemes 11.78 ETF 0 Others 0.15	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked Insurance Plan(ULIP) 17.3 Protection 2.0 Non-Participating(Non-Par) 0 Participating(Par) 0 Others 80.7	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Affordable Loans 34.0 Home loans 32.0 LAP 24.0 CF 10.0	-	-

Aditya Birla Capital Ltd.

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