Aditya Birla Capital Sep-24
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Questions and Answers

Who is the company secretary and compliance officer mentioned in the document?

  • Santosh Gurudas
  • Aditya Birla
  • Santosh Haldankar (correct)
  • Citi Bank N.A.

    • What is the primary purpose of the letter dated 20 September 2024?

  • To provide the Investor Presentation (correct)
  • To report financial results
  • To disclose a regulatory violation
  • To announce a merger

    • Which regulation is referenced in the letter regarding listing obligations?

  • Regulation 15
  • Regulation 30 (correct)
  • Regulation 75
  • Regulation 40

    • Where will the Investor Presentation be posted, as stated in the document?

    <p>On Aditya Birla Capital's website</p> Signup and view all the answers

    What is the scrip code mentioned for the company in the document?

    <p>540691</p> Signup and view all the answers

    What percentage of Grasim Industries is a promoter of Aditya Birla Capital?

    <p>52.6%</p> Signup and view all the answers

    Which company primarily operates as a Standalone Health Insurance provider under Aditya Birla Capital?

    <p>Aditya Birla Health Insurance</p> Signup and view all the answers

    What is the primary business of Aditya Birla Money?

    <p>Stock &amp; Securities broking</p> Signup and view all the answers

    Which of the following companies is not a part of Aditya Birla Capital?

    <p>Aditya Birla Research Centre</p> Signup and view all the answers

    What is the ownership percentage of Aditya Birla Finance within Aditya Birla Capital?

    <p>100%</p> Signup and view all the answers

    Which entity operates in Stressed Asset management under Aditya Birla Capital?

    <p>Aditya Birla ARC</p> Signup and view all the answers

    What type of financing does Aditya Birla Housing Finance provide?

    <p>Housing Finance</p> Signup and view all the answers

    Which company under Aditya Birla Capital focuses exclusively on Asset Management?

    <p>Aditya Birla Sun Life AMC</p> Signup and view all the answers

    What was the Individual FYP in FY24?

    <p>30.74 billion</p> Signup and view all the answers

    What is the CAGR for the Group new business premium from FY22 to FY24?

    <p>19%</p> Signup and view all the answers

    What was the market share among standalone health insurers (SAHI) in FY23?

    <p>11.2%</p> Signup and view all the answers

    What was the 13th month persistency rate in March 2024?

    <p>88%</p> Signup and view all the answers

    What was the VNB margin in FY24?

    <p>20.2%</p> Signup and view all the answers

    What is the projected combined ratio to be achieved by FY26?

    <p>100%</p> Signup and view all the answers

    What was the 2-year CAGR for the fastest-growing standalone health insurer?

    <p>46%</p> Signup and view all the answers

    How many users have crossed the threshold for the health-data based WellBeing score?

    <p>1.6 million</p> Signup and view all the answers

    What is the expected CAGR for individual FYP growth as stated?

    <p>25%+</p> Signup and view all the answers

    What is the CAGR for consolidated profit after tax from FY22 to FY24?

    <p>37%</p> Signup and view all the answers

    What was the delivered RoEV for the company in FY24?

    <p>18.8%</p> Signup and view all the answers

    How much was the absolute VNB reported in FY24?

    <p>6.97 billion</p> Signup and view all the answers

    What unique product proposition is highlighted for this health insurer?

    <p>Incentivizing wellness</p> Signup and view all the answers

    How many bank partners does the health insurer have?

    <p>18</p> Signup and view all the answers

    What was the consolidated revenue for FY24?

    <p>390.50 billion</p> Signup and view all the answers

    What advantage does the ABCD D2C platform emphasize for customer interaction?

    <p>Complete flexibility in choosing the channel of interaction</p> Signup and view all the answers

    What feature is highlighted under the 'Simplicity' aspect of the ABCD platform?

    <p>Jargon-free language</p> Signup and view all the answers

    Which of the following is included in the 'My Track' feature on the platform?

    <p>Unified view of personal bank accounts</p> Signup and view all the answers

    What does 'Everything Finance' refer to in the context of the ABCD D2C platform?

    <p>A single platform for all financial needs</p> Signup and view all the answers

    What capabilities does the platform offer from day one?

    <p>Omnichannel coverage including digital, virtual, and branches</p> Signup and view all the answers

    How many product categories does the ABCD platform include?

    <p>20+</p> Signup and view all the answers

    What type of customer registrations has the ABCD platform achieved?

    <p>2.0 million</p> Signup and view all the answers

    Which payment method is supported by the ABCD platform?

    <p>Multi-account payments, including UPI</p> Signup and view all the answers

    What is not included in the consolidated segment revenue for Ind AS statutory reporting purpose?

    <p>Wealth management</p> Signup and view all the answers

    What significant financial event occurred related to Aditya Birla Health Insurance in FY23?

    <p>Ceased to be a subsidiary</p> Signup and view all the answers

    Why is the proposed amalgamation of ABFL with ABCL deemed beneficial?

    <p>It creates a larger operating NBFC</p> Signup and view all the answers

    What is the compliance requirement related to the Scale Based Regulations of RBI?

    <p>Mandatory listing of ABFL by September 30, 2025</p> Signup and view all the answers

    What does the reported PAT in FY23 include that significantly impacts financial metrics?

    <p>Fair value gain of Rs. 2,739 crore</p> Signup and view all the answers

    What is likely to be enhanced due to the proposed amalgamation?

    <p>Stakeholder value</p> Signup and view all the answers

    What percentage of ownership does Grasim Industries have in Aditya Birla Capital Limited?

    <p>52.6%</p> Signup and view all the answers

    What is one of the efficiency gains anticipated from the proposed structure change?

    <p>Greater operational efficiencies</p> Signup and view all the answers

    What is the share ownership percentage of Aditya Birla Health Insurance in relation to the overall structure?

    <p>46%</p> Signup and view all the answers

    What financial activity was reported in FY24 regarding shares in AMC?

    <p>Gain of Rs. 433 crore on sale</p> Signup and view all the answers

    Study Notes

    Aditya Birla Capital Investor Presentation

    • Presentation date: September 20, 2024
    • Presented by: Aditya Birla Capital Limited
    • Key topics: Formalization & Digitization, Structural Reforms, Digital Public Infrastructure, Demographic Dividend, Rising Foreign Capital, Enablers (leading to robust financial sector growth), Diversified financial services, strategy, proposed amalgamation, resultant structure.
    • Revenue and Profit After Tax: Significant growth (29% and 37% CAGR in FY22-FY24 respectively)

    Key Financial Highlights

    • AUM: Significant growth in AUM (Assets Under Management) across different segments (NBFC, HFC, AMC, Life, Health)
    • Individual FYP: 30.74 Billion in FY24 (18% CAGR over 2 years)
    • Group NBP: 45.54 Billion in FY24 (19% CAGR over 2 years)
    • VNB margin: 20.2% in FY24
    • RoEV: 18.8% in FY24
    • Growth Momentum: Strong growth observed over past two years across businesses.
    • Market Share (Health Insurance): 11.2%
    • GWP (Health Insurance): 37.01 bn in FY24
    • Combined Ratio (Health Insurance): A target of 100% by FY26
    • Registrations: 1 million+ registrations (Udyog Plus)
    • AUM (Udyog Plus): ~26 Billion
    • Digital Platform/Channels: Robust & agile digital platforms, ABCD-D2C platform focusing on customer acquisition, expanding branch network (825), extensive distribution networks.

    Corporate Structure Simplification

    • Proposed amalgamation of ABFL with ABCL.
    • Simplification of legal entities
    • Creates a unified large NBFC with greater financial strength and access to capital
    • Expected stakeholder value enhancement & operational efficiency
    • Compliance with RBI's Scale-based Regulations (mandatory listing of ABFL by September 30, 2025)
    • Approved by the Board in Mar'24, no objections from RBI and stock exchanges.

    Diversified Financial Services

    • NBFC, HFC, AMC, Life, and Health Insurance segments.

    Other Points

    • Total credit: 2,525 bn (USD) in 2023 (20x increase from 2000)
    • MSME credit: 74 bn (significant increase from 2000 level)
    • Mortgage credit: 370 bn (significant increase from 2000 level)
    • MF AUM: 630 bn (20x increase)
    • Life insurance: 110 (significant increase)
    • General insurance: 30 (significant increase)
    • 30 million customers as of June 30, 2024
    • Multi-channel architecture (physical and digital)
    • 1,505 branches
    • Customer-centric approach
    • Focus on SME sector
    • Wide range of financial products (loans, investments, insurance).

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    Related Documents

    Aditya Birla Capital Investor Presentation September 2024 PDF

    Description

    Test your knowledge on company compliance, including regulations and key roles mentioned in official documents. This quiz covers the roles of the company secretary, compliance officer, and important regulatory obligations, along with information about the Investor Presentation.

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