Aditya Birla Capital Aug-24

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Questions and Answers

Which platforms are included under equity accounting for consolidation purposes?

Both A and B (correct)

Wellness business

ABCL standalone

Health insurance

What unique feature does the ABCD D2C platform offer for tracking finances?

Manual categorization of spends

Selfie-based health check (correct)

Voice-based customer service

Multi-platform account management

How many branches does the organization have across its businesses?

825 branches

2 lakh branches

8 lakh branches

1,505 branches (correct)

What overarching structure does the Omni Channel Architecture provide?

One experience for customers Signup and view all the answers

What technology is integrated into the ABCD D2C platform for customer interaction?

Gen AI powered chatbot Signup and view all the answers

Which of the following is NOT a feature of the Payments section on the ABCD D2C platform?

Cash-only transactions Signup and view all the answers

What is the primary market focus of the Udyog Plus platform?

Micro, Small, and Medium Enterprises (MSMEs) Signup and view all the answers

What is highlighted as a design principle for the ABCD D2C platform?

Engaging and uncluttered layout Signup and view all the answers

What is the purpose of the communication from Aditya Birla Capital Limited?

To inform about the Unaudited Financial Results. Signup and view all the answers

Which regulation is cited in the communication?

Regulation 30 of SEBI Listing Regulations Signup and view all the answers

What date was the conference call scheduled to take place?

01 August 2024 Signup and view all the answers

Whose digitally signed approval is included in the correspondence?

Pinky Atul Mehta Signup and view all the answers

What is the scrip code mentioned in the document?

540691 Signup and view all the answers

Where can the presentation on the Unaudited Financial Results be accessed?

On the company's investor relations website Signup and view all the answers

Which of the following entities is copied in the correspondence?

Luxembourg Stock Exchange Signup and view all the answers

What is the time zone indicated for the conference call?

IST Signup and view all the answers

What is the average ticket size targeted for growth in the prime and affordable segments?

₹ 25 – 30 lacs Signup and view all the answers

How many branches were operating as of June 30, 2024?

138 branches Signup and view all the answers

What was the total Asset Under Management (AUM) for Aditya Birla Finance as of Jun'24?

₹ 1,07,306 crore Signup and view all the answers

What percentage of market share was achieved in the mutual fund sector for Q1 FY25?

6.7% Signup and view all the answers

Which segment had the highest proportion of AUM in Jun'24?

Secured business Signup and view all the answers

What was the revenue reported for the total in Q1 FY25?

₹ 481 crore Signup and view all the answers

What was the year-on-year growth rate for monthly SIP flows in June 2024?

39% Y-o-Y Signup and view all the answers

What was the year-on-year growth percentage for secured business loans from Jun'23 to Jun'24?

43% Signup and view all the answers

Which of the following elements is a part of the company's service excellence approach?

Spotting opportunities with customers Signup and view all the answers

Which of the following categories showed a decrease in disbursements in Q1 FY25 compared to Q1 FY24?

Personal & Consumer loans Signup and view all the answers

What is the Return on Assets (RoA) for Aditya Birla Finance in Q1 FY25?

2.41% Signup and view all the answers

How is sourcing driven in the distribution network strategy?

Through a micro market penetration strategy Signup and view all the answers

What percentage of the total AUM does Retail, SME & HNI loans categorize as?

66% Signup and view all the answers

What is the key goal of the digital reinvention strategy?

To reduce time in transaction (TAT) significantly Signup and view all the answers

Which category saw a significant increase in disbursements from Q4 FY24 to Q1 FY25?

Secured business Signup and view all the answers

What was the total disbursement amount for unsecured business loans in Q1 FY25?

₹ 1,078 crore Signup and view all the answers

What was the year-on-year growth rate for total business loans from Jun'23 to Jun'24?

39% Signup and view all the answers

As of June 2024, how many branches does Aditya Birla Finance operate?

415 branches Signup and view all the answers

What was the percentage year-over-year growth in individual MAAUM in June 2024?

24% Signup and view all the answers

Which of the following sectors saw the highest growth in AUM from Mar-2021 to Mar-2024?

Passive AUM Signup and view all the answers

Which investment strategy is primarily focused on capitalizing on changing market conditions through diversified products?

Alternative Assets Signup and view all the answers

What was the profit before tax for Q1 FY25?

₹305 crore Signup and view all the answers

What was the year-over-year increase in total mutual fund AAUM in Q1 FY25?

12.2% Signup and view all the answers

In Q1 FY25, which distribution channel contributed the highest percentage to overall asset sourcing mix?

MFDs Signup and view all the answers

What is the AUM for Alternate Assets - Equity in Q1 FY25?

₹14,187 crore Signup and view all the answers

Which of the following years saw a 14x increase in Passive AUM?

Mar-2024 Signup and view all the answers

What was the operating profit reported for Q1 FY25?

₹210 crore Signup and view all the answers

Which segment registered a 100% year-over-year growth in the direct channel?

Retail Franchise Signup and view all the answers

What was the percentage increase in Monthly Average Users over Q1 FY24?

21% Signup and view all the answers

What was the SIP flow in June 2024?

₹1,367 crore Signup and view all the answers

What percentage of the total SIPs count was attributed to those with a tenure of over 10 years?

4.05% Signup and view all the answers

What is the renewal growth percentage mentioned for the period?

17% Signup and view all the answers

The Opex ratio for the insurance division reported in Q1 FY25 was:

19.9% Signup and view all the answers

Which operating expense ratio is mentioned for Q1 FY25?

19.9% Signup and view all the answers

How much was the total Gross Premium for Q1 FY25?

3,986 crore Signup and view all the answers

Which segment's AUM is reported as ₹3,368 crore in Q1 FY25?

PMS/AIF Signup and view all the answers

What percentage of the debt investments are AAA rated or from sovereign instruments as of June 30, 2024?

95.57% Signup and view all the answers

What is the 2-year CAGR for Asset Under Management as stated?

22% Signup and view all the answers

Which fund showed the highest 1-year return according to the performance metrics?

Maximizer Signup and view all the answers

What was the total Individual First Year Premium for FY24?

3,546 crore Signup and view all the answers

How much was the Digital Renewal percentage mentioned?

78% Signup and view all the answers

What is the reported return for the Enhancer fund over 5 years?

6.9% Signup and view all the answers

Which year demonstrated the lowest persistency rate in the provided data?

Q1 FY23 Signup and view all the answers

What was the total Renewal Premium for Q1 FY24?

1,441 crore Signup and view all the answers

What is the reported rate of improvement in persistency across all cohorts?

88% Signup and view all the answers

How much is the Debt component of Asset Under Management as per the given information?

74,500 crore Signup and view all the answers

Study Notes

Aditya Birla Capital Investor Presentation

Date: August 1, 2024
Subject: Q1 FY25 Financial Results
Conference Call: Scheduled for August 1, 2024 at 16:30 HRS (IST)
Presentation Details: Presentation on Unaudited Financial Results for the quarter ended June 30, 2024 available on the company's website.

Financial Performance Highlights

Consolidated PAT: ₹745 Cr (↑15% year-on-year)
Consolidated Revenue: ₹10,258 Cr (↑26% year-on-year)
Total Lending Portfolio: ₹1,27,705 Cr (↑27% year-on-year & ↑3% quarter-on-quarter)
Total AUM: ₹4,62,891 Cr (↑20% year-on-year & ↑6% quarter-on-quarter)
Gross Premium: ₹5,027 Cr (↑30% year-on-year)

Company Diversification

Grasim Industries: 52.6%
Aditya Birla Finance (Non-Bank Financial Co.): 100%
Aditya Birla Housing Finance: 100%
Aditya Birla Sun Life Insurance: 51%
Aditya Birla Sun Life AMC: 45%
Aditya Birla Health Insurance: 46%
Aditya Birla Money: 74%
Aditya Birla Insurance Brokers: 50%
Aditya Birla ARC: 100% (Stressed asset platform)
Key Business Highlights: Sale of entire stake in Aditya Birla Insurance Brokers Limited (ABIBL) approved by the Board and IRDAI.

Other Areas

Omni Channel Architecture: Robust and agile digital platforms, one ABC locations, 825 co-located branches, 2 lakh+ channel partners, 1,505 branches across businesses.
ABCD D2C platform: Simplicity, unique design, and intuitive navigation.
Udyog Plus: Addressing 360° needs of MSMEs.
Aditya Birla Finance: AUM, Detail of performance (Retail, SME & HNI loans, NII, PBT, GS2 & GS3)
Aditya Birla Housing Finance: Disbursement, AUM, NII, GS3, PBT, and key ratios (for Q1 FY25)
Aditya Birla Sun Life AMC: Mutual fund AUM, Equity AUM, Individual MAAUM, total revenue, and PAT (for Q1 FY25)
Aditya Birla Sun Life Insurance: Individual FYP, Group FYP, Total Premium, AUM, and Net VNB (for Q1 FY25).

Key Performance Indicators (KPIs)

Performance across Key Businesses: Key performance metrics like loan book, profit (PBT), credit quality (GS2 & GS3), asset management (AUM), and insurance premium growth are presented.
Business-wise Profitability: Q1 FY24 and Q1 FY25 profitability details for various business segments like NBFC, HFC, Asset Management, etc.
Consolidated Revenue and PAT: Revenue and Profit After Tax (PAT) for Q1 FY23, Q1 FY24, and Q1 FY25.
Well-Matched ALM and Diversified Borrowing Mix: Details about the average asset and liability mix.
Specific segments (e.g., Investment performance, loan book) are broken down into detailed metrics.
Strong balance sheet: Indicates a well-matched ALM and optimized for liquidity and costs.
Growth in AUM: shows continued growth for both secured and unsecured business loans, driven by business loans to SMEs.
Product Portfolio: Detailed product mix, sourcing, presence, cross-sell, security.
Strong Digital Adoption: High digital adoption across onboarding, digital renewal, servicing, and collections.
Underwriting Approach: Details of bureau score buckets and proactive management.
Prudent Risk Management: Including segment asset quality and stage 3 PCR.
!Details on customer sourcing and servicing (e.g., Customer onboarding, Digital collections, Digital channels, etc.).
Digital Ecosystem: Overview of various digital platforms and features within the ecosystem.
Data analytics: Details on Data, Engineering, Science, and implementation in areas like customer behavior and risk management.
Other financial services businesses: Overview of performance of the other businesses like General Insurance Broking, Stock & Securities Broking, and ARC platform.
Highlights for Q1 FY25: Growth across segments and detailed financial performance.
Specific Data points: Revenue, PBT, Market share, Loan book, AUM

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