Aditya Birla Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Aditya Birla Capital	ICICI Prudential	ICICI Lombard Gen.
Operational Metrics
Banks
Net Interest Margin	6.06 %	n/a	n/a
General Insurance
Float	1869.36 Crs	n/a	20912.0 Crs
Monthly Gross Direct Premium Income (GDPI)	513.46 Crs	n/a	1931.26 Crs
Yield On Total Investments - General Insurance	7.36 %	n/a	6.28 %
Combined Ratio	115.0 %	n/a	102.9 %
Risk Retention Ratio	97.29 %	n/a	69.7 %
Life Insurance
Claim Settlement Ratio	98.1 %	99.6 %	n/a
13 Month Persistency Ratio	84.56 %	82.4 %	n/a
61 Month Persistency Ratio	57.09 %	59.4 %	n/a
Management Expense Ratio - Life Insurance	27.61 %	17.5 %	n/a
New Business Performance - Life Insurance	1122.69 Crs	1773.16 Crs	n/a
Commission Ratio - Life Insurance	11.51 %	10.3 %	n/a
Embedded Value	13812.0 Crs	50501.0 Crs	n/a
AUM - Life Insurance	104492.0 Crs	321494.0 Crs	n/a
Value Of New Business Margin (VNB)	11.6 %	24.5 %	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	16.87 %	n/a	n/a
Tier I Capital	14.09 %	n/a	n/a
Cost To Income Ratio	33.06 %	n/a	n/a
Cost of Borrowing	7.52 %	n/a	n/a
AUM - NBFC	139585.0 Crs	n/a	n/a
Gross NPA	3.03 %	n/a	n/a
Financials
5 yr Average ROE	13.25 %	0.0	0.0
5yr average Equity Multiplier	8.97	n/a	n/a
5yr Average Asset Turnover Ratio	0.15	n/a	n/a
5yr Avg Net Profit Margin	9.79 %	n/a	n/a
5yr Avg Net Profit Margin	9.79 %	n/a	n/a
5yr CAGR Net Profit	24.22 %	n/a	n/a
5yr CAGR Sales	15.6 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.7	n/a	n/a
P/E	26.68	69.38	36.01
Shareholdings
Promoter Holding	68.7 %	72.93 %	51.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.36 %	-0.42 %	3.35 %
Change in Mutual Fund Holding (3 Yrs)	5.45 %	2.63 %	0.45 %

Business

	Aditya Birla Capital	ICICI Prudential	ICICI Lombard Gen.
Segment Break-Up	Segment Break-Up Life Insurance Business 39.42 NBFC 35.06 Health Insurance 11.31 Home loans 7.83 Asset Management 4.94 Broking 0.99 General Insurance Broking 0 Others 0.45	-	-
Location Wise Break-Up	Location Wise Break-Up India 99.95 Rest of the World 0.05	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Customer Segment	Customer Segment SME + Retail + HNI 67.0 Industrial & Commercial 33.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up NBFC 61.25 Asset Management 24.64 Home loans 10.2 Life Insurance Business 2.56 Broking 1.36 Health Insurance 0 General Insurance Broking 0	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Retail 52.57 Group Premium 47.36 Rural Premium 0 Others 0.07	-	-
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 30.2 Affordable Loans 28.6 Home loans 26.4 CF 14.8	-	-
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Traditional 55.0 Unit Linked Insurance Plan(ULIP) 35.0 Protection 3.0 Non-Participating(Non-Par) 0 Participating(Par) 0 Linked Group Pension 0 Linked Group Life 0 Linked Pension 0 Linked Life 0 Annuity Non participating 0 Non participating 0 Participating Life 0 Others 7.0	Premium Break-Up - Life Insurance Protection 0 Traditional 0 Linked Group Pension 0 Linked Pension 1.53 Linked Life 44.68 Participating Life 8.86 Linked Group Life 0 Annuity Non participating 0 Unit Linked Insurance Plan(ULIP) 0 Non-Participating(Non-Par) 0 Non participating 44.27 Participating(Par) 0 Others 0.66	-

Aditya Birla Capital Ltd.

Aditya Birla Capital Ltd.

Financial

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