Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	Max Financial	New India Assurance
Operational Metrics
Banking Sector
Net Interest Margin	6.87 %	n/a	n/a
General Insurance Sector
Float	1753.71 Crs	n/a	36678.32 Crs
Monthly Gross Direct Premium Income (GDPI)	348.13 Crs	290.55 Crs	3208.49 Crs
Yield On Total Investments - General Insurance	8.12 %	n/a	8.52 %
Combined Ratio	113.0 %	95.0 %	125.32 %
Risk Retention Ratio	73.0 %	77.0 %	83.86 %
Life Insurance Sector
Claim Settlement Ratio	98.1 %	99.51 %	n/a
13 Month Persistency Ratio	82.49 %	84.0 %	n/a
61 Month Persistency Ratio	65.04 %	56.0 %	n/a
Management Expense Ratio - Life Insurance	21.1 %	25.0 %	n/a
New Business Performance - Life Insurance	505.66 Crs	905.42 Crs	n/a
Commission Ratio - Life Insurance	9.13 %	10.0 %	n/a
Embedded Value	11539.0 Crs	23338.0 Crs	n/a
AUM - Life Insurance	95553.0 Crs	170144.0 Crs	n/a
Value Of New Business Margin (VNB)	7.4 %	23.6 %	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	16.27 %	n/a	n/a
Tier I Capital	13.83 %	n/a	n/a
Cost To Income Ratio	28.76 %	n/a	n/a
Cost of Borrowing	7.74 %	n/a	n/a
AUM - NBFC	114710.0 Crs	n/a	n/a
Gross NPA	4.24 %	n/a	n/a
Financials
5 yr Average ROE	12.51 %	9.1 %	0.0
5yr average Equity Multiplier	8.94	34.76	n/a
5yr Average Asset Turnover Ratio	0.15	0.27	n/a
5yr Avg Net Profit Margin	9.19 %	0.98 %	n/a
5yr Avg Net Profit Margin	9.19 %	n/a	n/a
5yr CAGR Net Profit	29.38 %	n/a	n/a
5yr CAGR Sales	14.36 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.73	7.62	n/a
P/E	13.29	114.41	25.1
Shareholdings
Promoter Holding	68.9 %	3.34 %	85.44 %
Share Pledged by Promoters	0.0	0.1 %	0.0
Change in Promoter Holding (3 Yrs)	-1.79 %	-11.38 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.45 %	13.33 %	-0.15 %

Business

	Aditya Birla Capital	Max Financial	New India Assurance
Segment Break-Up	Segment Break-Up Life Insurance Business 46.32 NBFC 30.36 Health Insurance 9.1 Home loans 5.33 Asset Management 4.34 Broking 1.06 General Insurance Broking 0 Business Investments 0 Life Insurance business 0 Others 3.49	Segment Break-Up Life Insurance Business 0 Asset Management 0 Broking 0 Health Insurance 0 Business Investments 0.06 Life Insurance Business 99.94 NBFC 0 General Insurance Broking 0 Home loans 0	-
Location Wise Break-Up	Location Wise Break-Up India 99.94 Rest of the World 0.06	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up NBFC 50.65 Asset Management 20.1 Home loans 6.23 Life Insurance Business 2.65 Broking 2.17 Health Insurance 0 General Insurance Broking 0 Life Insurance business 0 Business Investments 0 Others 18.2	Operating Profit Break-Up Life Insurance Business 0 Asset Management 0 Broking 0 Health Insurance 0 Business Investments 0.04 Life Insurance business 99.96 NBFC 0 General Insurance Broking 0 Home loans 0	-
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Retail 58.94 Group Premium 41.06 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 Affordable Loans 29.9 Home loans 29.0 LAP 28.5 CF 12.5 Others 0.1	-	-
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 Traditional 0 Protection 0 Individual Protection 0 Group Protection 0 Non-Participating(Non-Par) 0 Renewal Premiums 61.03 Unit Linked Insurance Plan 0 Participating 0 Participating(Par) 0 Non-Participating-Savings 0 Annuity 0 First Year Premiums 25.99 Unit Linked Insurance Plan(ULIP) 0 Single Premiums 12.98	-

Aditya Birla Capital Ltd.

SIGN UP FOR FREE