Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	Max Financial	New India Assurance
Operational Metrics
Banking Sector
Net Interest Margin	6.0 %	n/a	n/a
General Insurance Sector
Float	1869.36 Crs	n/a	36678.32 Crs
Monthly Gross Direct Premium Income (GDPI)	661.72 Crs	290.55 Crs	2926.4 Crs
Yield On Total Investments - General Insurance	7.36 %	n/a	8.52 %
Combined Ratio	115.0 %	95.0 %	125.32 %
Risk Retention Ratio	97.29 %	77.0 %	83.86 %
Life Insurance Sector
Claim Settlement Ratio	98.1 %	99.51 %	n/a
13 Month Persistency Ratio	82.46 %	82.0 %	n/a
61 Month Persistency Ratio	66.92 %	57.0 %	n/a
Management Expense Ratio - Life Insurance	21.09 %	22.0 %	n/a
New Business Performance - Life Insurance	1029.9 Crs	1031.46 Crs	n/a
Commission Ratio - Life Insurance	10.41 %	10.0 %	n/a
Embedded Value	11539.0 Crs	24129.0 Crs	n/a
AUM - Life Insurance	97286.0 Crs	171705.0 Crs	n/a
Value Of New Business Margin (VNB)	10.8 %	21.9 %	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	16.77 %	n/a	n/a
Tier I Capital	14.43 %	n/a	n/a
Cost To Income Ratio	31.2 %	n/a	n/a
Cost of Borrowing	7.77 %	n/a	n/a
AUM - NBFC	119437.0 Crs	n/a	n/a
Gross NPA	4.25 %	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	1.84	8.27	n/a
P/E	14.21	169.7	28.87
Shareholdings
Promoter Holding	68.86 %	1.74 %	85.44 %
Share Pledged by Promoters	0.0	28.67 %	0.0
Change in Promoter Holding (3 Yrs)	-2.17 %	-12.98 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.64 %	11.83 %	-0.13 %

Business

	Aditya Birla Capital	Max Financial	New India Assurance
Segment Break-Up	Segment Break-Up Life Insurance Business 43.46 NBFC 34.13 Health Insurance 9.93 Home loans 6.22 Asset Management 4.39 Broking 0.97 General Insurance Broking 0 Business Investments 0 Life Insurance business 0 Others 0.9	Segment Break-Up General Insurance Broking 0 Life Insurance Business 99.93 Business Investments 0.07 Life Insurance Business 0 Asset Management 0 NBFC 0 Health Insurance 0 Home loans 0 Broking 0	-
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 62.4 Asset Management 23.25 Home loans 8.51 Life Insurance Business 3.35 Broking 2.36 Health Insurance 0 General Insurance Broking 0 Life Insurance business 0 Business Investments 0 Others 0.13	Operating Profit Break-Up General Insurance Broking 0 Life Insurance business 100.0 Business Investments 0 Life Insurance Business 0 Asset Management 0 NBFC 0 Home loans 0 Health Insurance 0 Broking 0	-
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Group Premium 59.04 Retail 40.87 Rural Premium 0 Others 0.09	-	-
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 29.3 Affordable Loans 29.2 Home loans 28.0 CF 13.5	-	-
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 Group Protection 0 Annuity 0 Non-Participating-Savings 0 Unit Linked Insurance Plan 0 Single Premiums 12.98 Participating 0 Individual Protection 0 Unit Linked Insurance Plan(ULIP) 0 Participating(Par) 0 Traditional 0 Renewal Premiums 61.03 Non-Participating(Non-Par) 0 Protection 0 First Year Premiums 25.99	-

Aditya Birla Capital Ltd.

SIGN UP FOR FREE