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Questions and Answers
What was the Profit After Tax for Q2 FY25?
What was the Profit After Tax for Q2 FY25?
Which quarter shows the highest Operating Expenses?
Which quarter shows the highest Operating Expenses?
What is the Average Yield for FY24?
What is the Average Yield for FY24?
What was the Cost-to-Income Ratio for H1 FY25?
What was the Cost-to-Income Ratio for H1 FY25?
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In which quarter was the Net Interest Margin the lowest?
In which quarter was the Net Interest Margin the lowest?
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What percentage of the market share among private players does the Individual FYP account for?
What percentage of the market share among private players does the Individual FYP account for?
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What is the total number of own branches according to the distribution mix?
What is the total number of own branches according to the distribution mix?
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Which product category accounted for the highest percentage in the product mix by channel in H1 FY25?
Which product category accounted for the highest percentage in the product mix by channel in H1 FY25?
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What was the contribution percentage of proprietary partnerships in H1 FY25?
What was the contribution percentage of proprietary partnerships in H1 FY25?
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How many agents are reported in the distribution mix?
How many agents are reported in the distribution mix?
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What is the Scrip Code for Aditya Birla Capital Limited as mentioned in the document?
What is the Scrip Code for Aditya Birla Capital Limited as mentioned in the document?
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What is the purpose of the attached presentation referenced in the document?
What is the purpose of the attached presentation referenced in the document?
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When is the conference call regarding the financial results scheduled?
When is the conference call regarding the financial results scheduled?
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Which regulatory body’s regulations are mentioned for compliance in the document?
Which regulatory body’s regulations are mentioned for compliance in the document?
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What is the role of Santosh Haldankar as indicated in the document?
What is the role of Santosh Haldankar as indicated in the document?
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Which platforms are mentioned for posting the financial results presentation?
Which platforms are mentioned for posting the financial results presentation?
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Which city is associated with the National Stock Exchange of India as mentioned in the document?
Which city is associated with the National Stock Exchange of India as mentioned in the document?
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What is the significance of the date 30 September 2024 in the document?
What is the significance of the date 30 September 2024 in the document?
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What percentage of FYP does the Pre-Approved Sum Assured (PASA) contribution stand at for H1 FY25?
What percentage of FYP does the Pre-Approved Sum Assured (PASA) contribution stand at for H1 FY25?
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Which digital method had the highest adoption rate for customer onboarding?
Which digital method had the highest adoption rate for customer onboarding?
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How much did ZARA (Bot) collect in the last year compared to the current year?
How much did ZARA (Bot) collect in the last year compared to the current year?
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In H1 FY24, what was the upsell contribution in Individual FYP for Income Suraksha?
In H1 FY24, what was the upsell contribution in Individual FYP for Income Suraksha?
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Which of the following has the lowest percentage of digital adoption during customer servicing according to the report?
Which of the following has the lowest percentage of digital adoption during customer servicing according to the report?
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What protection product provides income for a minimum of 10 years to the nominee?
What protection product provides income for a minimum of 10 years to the nominee?
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Which segment has the highest contribution to the product mix at the end of H1 FY25?
Which segment has the highest contribution to the product mix at the end of H1 FY25?
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What is the VNB margin reported for H1 FY24?
What is the VNB margin reported for H1 FY24?
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What percentage of services are available digitally during the onboarding stage?
What percentage of services are available digitally during the onboarding stage?
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In the context of maturity and survival benefits, how are these hedged?
In the context of maturity and survival benefits, how are these hedged?
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What was the percentage year-over-year (y-o-y) growth in total quarterly average assets under management for Q2 FY25?
What was the percentage year-over-year (y-o-y) growth in total quarterly average assets under management for Q2 FY25?
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What was the mutual fund equity mix in Q2 FY25?
What was the mutual fund equity mix in Q2 FY25?
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Which category of assets under management showed a 66% increase from Q2 FY24 to Q2 FY25?
Which category of assets under management showed a 66% increase from Q2 FY24 to Q2 FY25?
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What was the total amount of individual MAAUM in September 2024?
What was the total amount of individual MAAUM in September 2024?
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Which mutual fund segment witnessed the highest y-o-y growth in SIP flows in September 2024?
Which mutual fund segment witnessed the highest y-o-y growth in SIP flows in September 2024?
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As of September 2024, what percentage of the total SIPs were over 10 years in tenure?
As of September 2024, what percentage of the total SIPs were over 10 years in tenure?
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What is the AUM for Real Estate as mentioned in the content?
What is the AUM for Real Estate as mentioned in the content?
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Which mutual fund product is mentioned as currently under fund raising efforts?
Which mutual fund product is mentioned as currently under fund raising efforts?
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What was the percentage year-over-year growth in equity mutual funds from Sep-23 to Sep-24?
What was the percentage year-over-year growth in equity mutual funds from Sep-23 to Sep-24?
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What percentage of the total SIP flows in September 2024 was attributed to the B-30 category?
What percentage of the total SIP flows in September 2024 was attributed to the B-30 category?
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What was the total AUM for offshore products in Q2 FY25?
What was the total AUM for offshore products in Q2 FY25?
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Which future fund mentioned is aimed at yielding better returns in a structured manner?
Which future fund mentioned is aimed at yielding better returns in a structured manner?
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What portion of the mutual fund equity mix was represented in Q2 FY24?
What portion of the mutual fund equity mix was represented in Q2 FY24?
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What was the growth percentage of the total renewal premium during H1 FY25 compared to H1 FY24?
What was the growth percentage of the total renewal premium during H1 FY25 compared to H1 FY24?
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What was the Opex ratio for H1 FY25?
What was the Opex ratio for H1 FY25?
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Which increase percentage pertains to Daily Average Users when comparing H1 FY24 and H1 FY25?
Which increase percentage pertains to Daily Average Users when comparing H1 FY24 and H1 FY25?
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What is the percentage of AAA-rated or sovereign instruments in the debt investments as of Sep 30, 2024?
What is the percentage of AAA-rated or sovereign instruments in the debt investments as of Sep 30, 2024?
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What was the Individual First Year Premium for Q2 FY25?
What was the Individual First Year Premium for Q2 FY25?
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Which fund reported the highest 5-year performance growth?
Which fund reported the highest 5-year performance growth?
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What was the increase in Asset Under Management (AUM) compared to H1 FY24?
What was the increase in Asset Under Management (AUM) compared to H1 FY24?
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Which cohort experienced the highest persistency rate in H1 FY25?
Which cohort experienced the highest persistency rate in H1 FY25?
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During H1 FY25, what was the reported Group First Year Premium?
During H1 FY25, what was the reported Group First Year Premium?
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What was the total gross premium for Q2 FY25?
What was the total gross premium for Q2 FY25?
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What does 'Opex Ratio' refer to in the context of the financial reporting?
What does 'Opex Ratio' refer to in the context of the financial reporting?
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What was the Debt component of the Asset Under Management (AUM) as per the financial report?
What was the Debt component of the Asset Under Management (AUM) as per the financial report?
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Which report indicates a growth of the Individual First Year Premium?
Which report indicates a growth of the Individual First Year Premium?
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Which year's AUM growth rate was recorded at 22%?
Which year's AUM growth rate was recorded at 22%?
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Study Notes
Aditya Birla Capital Investor Presentation
- Date: October 30, 2024
- Subject: Intimation under Regulation 30 SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
- Financial Results: Unaudited financial results for Q2 FY25 and H1 FY25 ended September 30, 2024.
- Investor Presentation: Investor presentation materials related to the results.
- Conference Call: Conference call scheduled for October 30, 2024, 16:30 HRS (IST) on financial results to be available on the company website.
Company Structure
- Diversified Financial Services Platform: Aditya Birla Capital is a diversified financial services conglomerate.
- Shareholding: Grasim Industries holds 52.6% , Promoter group 16.4%
- Listed Companies: Aditya Birla Capital Limited is listed
- Key Businesses: Finance, Housing Finance, Insurance, Asset Management, and Stressed Asset Platform (ARC).
Financial Performance Highlights
- Consolidated PAT: ₹1,001 Cr (↑42% y-o-y & ↑ 32% q-o-q)
- Consolidated Revenue ₹12,007 Cr (↑ 36% y-o-y)
- Total Lending portfolio: ₹1,37,946 crore (↑27% y-o-y & ↑ 8% q-o-q)
- Total AUM: ₹5,01,152 Cr (↑ 24% y-o-y & ↑ 9% q-o-q)
- Gross premium: ₹10,828 Cr (↑29% y-o-y) in H1 FY25
Business Highlights
- NBFC Loan Book: ₹1,14,710 crore (↑7% q-o-q)
- Housing Loan Book: ₹23,236 crore (↑51% y-o-y ; ↑14% q-o-q)
- Asset Management AUM: ₹3,83,309 crore, reporting
- Life Insurance Premium Growth: 33%
- Health Insurance Premium Growth: 39%
- Profitability: Key metrics like PBT, operating profit, profit after tax, and RoE are mentioned.
- Credit Quality: Metrics like Credit Quality are presented showing improved trend
Omni Channel Architecture
- Robust & Agile Digital Platforms: Dedicated platforms for customers and business partners
- One ABC Locations: Extensive network of co-located branches across various locations
- Channel Partnerships: Extensive network of partnerships spanning 2 lakh+ channel partners
- Complete Flexibility to Customers: Complete flexibility for customers to use any preferred channel
Udyog Plus
- Architecture: Addressing 360° needs of MSMEs through digital platforms and an ecosystem
- Financial Solutions: Business Lending, Unsecured business loans, Pre-approved loans, Supply chain financing, Channel Finance, Vendor Finance, Pre-approved Programs, Insurance & Investments: Health insurance, Life Insurance, MF, Digi-gold, FD
- Growth Solutions: Offline to online discovery, Account, HRMS & Payroll Software, Business Networking, Tax solutions & Advisory, Travel Solutions
Aditya Birla Finance
- AUM: ₹1,14,710 crore, ↑23% Y-o-Y
- Retail, SME & HNI loans: ₹74,911 crore (65% of AUM) ↑20% Y-o-Y
- NII: ₹1,711 crore, ↑13% Y-o-Y
- PBT: ₹844 crore, ↑15% Y-o-Y
- GS2 & GS3: 4.24%, ↓100 bps Y-o-Y
Aditya Birla Sun Life AMC
- QAAUM: ₹3,83,309 crore
- Market share: 6.47%
- Equity QAAUM: ₹1,80,658 crore
- Market share: 4.55%
- Equity Mix : 47.1%
- Individual MAAUM: ₹2,03,391 crore
- Total Revenue: ₹520 crore
Aditya Birla Sun Life Insurance
- Individual FYP: ₹1,578 cr
- Group FYP: ₹2,834 cr
- Total Premium: ₹8,657 cr
- AUM: ₹95,553 cr
Aditya Birla Health Insurance
- GWP: ₹2,171 crore, ↑39% Y-o-Y
- Market Share: 11.9% SAHI
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Description
Test your knowledge of key financial metrics and insights for the second quarter of FY25. This quiz covers topics such as Profit After Tax, Operating Expenses, and market share among private players. Challenge yourself with questions on financial outcomes and regulatory compliance related to Aditya Birla Capital Limited.
