Aditya Birla Capital Ltd. benchmarking: Performance to industry peers

Financial

	Aditya Birla Capital	HDFC Life Insurance	ICICI Lombard Gen.
Operational Metrics
Banks
Net Interest Margin	6.08 %	n/a	n/a
General Insurance
Float	2262.43 Crs	n/a	21785.25 Crs
Monthly Gross Direct Premium Income (GDPI)	753.78 Crs	n/a	2258.85 Crs
Yield On Total Investments - General Insurance	7.24 %	n/a	4.44 %
Combined Ratio	110.0 %	n/a	101.2 %
Risk Retention Ratio	72.0 %	n/a	80.4 %
Life Insurance
Claim Settlement Ratio	98.1 %	99.8 %	n/a
13 Month Persistency Ratio	75.24 %	79.5 %	n/a
61 Month Persistency Ratio	59.63 %	62.4 %	n/a
Management Expense Ratio - Life Insurance	18.42 %	24.1 %	n/a
New Business Performance - Life Insurance	1242.97 Crs	3324.01 Crs	n/a
Commission Ratio - Life Insurance	9.02 %	12.1 %	n/a
Embedded Value	15447.0 Crs	62139.0 Crs	n/a
AUM - Life Insurance	110505.0 Crs	375198.0 Crs	n/a
Value Of New Business Margin (VNB)	20.6 %	24.2 %	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	16.79 %	n/a	n/a
Tier I Capital	13.82 %	n/a	n/a
Cost To Income Ratio	32.51 %	n/a	n/a
Cost of Borrowing	7.49 %	n/a	n/a
AUM - NBFC	159916.0 Crs	n/a	n/a
Gross NPA	2.42 %	n/a	n/a
Financials
5 yr Average ROE	13.79 %	0.0	0.0
5yr average Equity Multiplier	9.1	n/a	n/a
5yr Average Asset Turnover Ratio	0.15	n/a	n/a
5yr Avg Net Profit Margin	10.29 %	n/a	n/a
5yr Avg Net Profit Margin	10.29 %	n/a	n/a
5yr CAGR Net Profit	17.15 %	n/a	n/a
5yr CAGR Sales	11.63 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.18	n/a	n/a
P/E	29.11	60.79	34.63
Shareholdings
Promoter Holding	68.81 %	50.54 %	51.22 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.29 %	0.21 %	3.21 %
Change in Mutual Fund Holding (3 Yrs)	4.93 %	12.56 %	0.5 %

Business

	Aditya Birla Capital	HDFC Life Insurance	ICICI Lombard Gen.
Segment Break-Up	Segment Break-Up Life Insurance Business 47.99 NBFC 28.52 Health Insurance 12.68 Home loans 7.0 Asset Management 2.65 Broking 0.81 General Insurance Broking 0 Reinsurance 0 Unit Linked Funds 0 Non Participating Funds 0 Participating Funds 0 Others 0.35	Segment Break-Up Home loans 0 Broking 0 Participating Funds 18.11 Health Insurance 0 Unit Linked Funds 32.47 Asset Management 0 General Insurance Broking 0 Reinsurance 0.48 Non Participating Funds 47.56 NBFC 0 Life Insurance Business 0 Others 1.38	-
Location Wise Break-Up	Location Wise Break-Up India 99.95 Rest of the World 0.05 Domestic 0	Location Wise Break-Up Domestic 100.0 Rest of the World 0 India 0	Location Wise Break-Up Domestic 0 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 57.47 Home loans 13.25 Asset Management 11.4 Life Insurance Business 5.39 Broking 1.34 Health Insurance 0 General Insurance Broking 0 Others 11.15	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Retail 55.07 Group Premium 44.93 Rural Premium 0	-	-
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 Annuity 0 Term 0 Group Savings 0 Non-Participating 0 Participating 0 Unit linked(UL) 0 Others 7.0	Premium Break-Up - Life Insurance Term 0 Participating 10.0 Traditional 0 Unit linked(UL) 20.0 Protection 29.0 Group Savings 19.0 Non-Participating(Non-Par) 0 Unit Linked Insurance Plan(ULIP) 0 Participating(Par) 0 Non-Participating 7.0 Annuity 15.0	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC LAP 30.5 Affordable Loans 28.3 Home loans 25.4 CF 15.8	-	-
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	-	-

Aditya Birla Capital Ltd.

Aditya Birla Capital Ltd.

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