Aditya Birla Capital Ltd.

Financial

	Aditya Birla Capital	Canara Bank	General Ins. Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.86 %	3.07 %	n/a
General Insurance Sector
Float	1499.59 Crs	n/a	50038.15 Crs
Monthly Gross Direct Premium Income (GDPI)	254.42 Crs	n/a	8723.65 Crs
Yield On Total Investments - General Insurance	7.44 %	n/a	11.79 %
Combined Ratio	90.0 %	n/a	89.26 %
Risk Retention Ratio	97.13 %	n/a	91.0 %
Life Insurance Sector
Claim Settlement Ratio	98.1 %	n/a	n/a
13 Month Persistency Ratio	86.68 %	n/a	n/a
61 Month Persistency Ratio	66.81 %	n/a	n/a
Management Expense Ratio - Life Insurance	16.31 %	n/a	n/a
New Business Performance - Life Insurance	592.1 Crs	n/a	n/a
Commission Ratio - Life Insurance	7.84 %	n/a	n/a
Embedded Value	10226.0 Crs	n/a	n/a
AUM - Life Insurance	86161.0 Crs	n/a	n/a
Value Of New Business Margin (VNB)	20.2 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	16.24 %	16.28 %	n/a
Tier I Capital	n/a	13.95 %	n/a
Cost To Income Ratio	32.5 %	50.08 %	n/a
Cost of Borrowing	7.66 %	5.0 %	n/a
AUM - NBFC	105639.0 Crs	n/a	n/a
Gross NPA	4.49 %	n/a	n/a
Financials
5 yr Average ROE	11.86 %	9.12 %	0.0
5yr average Equity Multiplier	9.51	17.85	n/a
5yr Average Asset Turnover Ratio	0.15	0.08	n/a
5yr Avg Net Profit Margin	8.39 %	5.49 %	n/a
5yr Avg Net Profit Margin	8.39 %	5.49 %	n/a
5yr CAGR Net Profit	40.66 %	n/a	n/a
5yr CAGR Sales	12.23 %	17.72 %	n/a
5 yr CAGR PPOP	n/a	25.16 %	n/a
Price to Book	2.3	1.14	n/a
P/E	18.46	6.9	10.03
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 48.84 NBFC 27.48 Health Insurance 9.6 Home loans 3.92 Asset Management 3.46 General Insurance 1.27 Broking 0.92 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 4.51	Segment Break-Up Home loans 0 Consumer Finance 43.93 Health Insurance 0 Life Insurance Business 7.82 Corporate Banking 30.08 General Insurance 0 Life Insurance Business 0 Asset Management 0 Treasury Operations 18.17 NBFC 0 Broking 0	-
Location Wise Break-Up	Location Wise Break-Up India 99.93 Rest of the World 0.07	Location Wise Break-Up Rest of the World 4.52 India 95.48	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up NBFC 43.52 Asset Management 14.67 Home loans 5.2 Health Insurance 4.73 Life Insurance Business 4.56 General Insurance 1.23 Broking 1.12 Others 24.97	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Group Premium 51.15 Retail 48.85 Rural Premium 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Affordable Loans 32.0 Home loans 31.0 LAP 26.0 CF 11.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 42.03 Debt 30.39 Liquid/ Money Market 20.17 Balanced schemes 4.35 Exchange traded fund 2.0 ETF 0 Balanced schemes 0 EQUITY 0 FMP 0 Gilt 0 Others 1.06	AUM Break-Up - Asset Management ETF 0 Exchange traded fund 0 Debt 4.89 Equity 78.21 FMP 0 Balanced schemes 11.78 Liquid/ Money Market 4.97 Gilt 0 Equity 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	-	-

Aditya Birla Capital Ltd.

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