Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	Max Financial	General Ins. Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.87 %	n/a	n/a
General Insurance Sector
Float	1610.25 Crs	n/a	50038.15 Crs
Monthly Gross Direct Premium Income (GDPI)	460.79 Crs	290.55 Crs	8723.65 Crs
Yield On Total Investments - General Insurance	7.28 %	n/a	11.79 %
Combined Ratio	112.0 %	95.0 %	89.26 %
Risk Retention Ratio	76.0 %	77.0 %	91.0 %
Life Insurance Sector
Claim Settlement Ratio	98.1 %	99.51 %	n/a
13 Month Persistency Ratio	81.34 %	84.0 %	n/a
61 Month Persistency Ratio	65.41 %	56.0 %	n/a
Management Expense Ratio - Life Insurance	19.94 %	25.0 %	n/a
New Business Performance - Life Insurance	940.48 Crs	840.75 Crs	n/a
Commission Ratio - Life Insurance	7.92 %	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	1.72	8.23	n/a
P/E	13.16	123.47	8.54
Shareholdings
Promoter Holding	68.9 %	3.34 %	82.4 %
Share Pledged by Promoters	0.0	0.1 %	0.0
Change in Promoter Holding (3 Yrs)	-1.79 %	-11.38 %	-3.38 %
Change in Mutual Fund Holding (3 Yrs)	1.45 %	13.33 %	1.36 %

Business

	Aditya Birla Capital	Max Financial	General Ins. Corp
Segment Break-Up	Segment Break-Up Life Insurance Business 42.56 NBFC 34.39 Health Insurance 9.51 Home loans 5.23 Asset Management 4.65 General Insurance 1.55 Broking 1.16 Business Investments 0 Life Insurance business 0 Others 0.95	Segment Break-Up Asset Management 0 General Insurance 0 Home loans 0 Life Insurance Business 0 Life Insurance Business 99.95 Broking 0 Business Investments 0.05 NBFC 0 Health Insurance 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 64.08 Asset Management 23.43 Home loans 6.52 General Insurance 2.28 Broking 1.72 Life Insurance Business 1.65 Health Insurance 0 Life Insurance business 0 Business Investments 0 Others 0.32	Operating Profit Break-Up Asset Management 0 General Insurance 0 Home loans 0 Life Insurance Business 0 Life Insurance business 100.0 Business Investments 0 Health Insurance 0 NBFC 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 Retail 52.93 Group Premium 47.07 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 31.0 Home loans 30.0 LAP 27.0 CF 11.0 Others 1.0	-	-
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 Non-Participating(Non-Par) 0 First Year Premiums 23.11 Traditional 0 Individual Protection 0 Group Protection 0 Single Premiums 15.33 Annuity 0 Unit Linked Insurance Plan(ULIP) 0 Participating 0 Protection 0 Unit Linked Insurance Plan 0 Non-Participating-Savings 0 Renewal Premiums 61.56 Participating(Par) 0	-

Aditya Birla Capital Ltd.

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