Aditya Birla Capital Ltd. benchmarking: Performance to industry peers

Financial

	Aditya Birla Capital	ICICI Lombard Gen.	ICICI Prudential
Operational Metrics
Banks
Net Interest Margin	6.07 %	n/a	n/a
General Insurance
Float	1869.36 Crs	21785.25 Crs	n/a
Monthly Gross Direct Premium Income (GDPI)	714.23 Crs	2185.19 Crs	n/a
Yield On Total Investments - General Insurance	7.36 %	4.44 %	n/a
Combined Ratio	115.0 %	101.2 %	n/a
Risk Retention Ratio	97.29 %	80.4 %	n/a
Life Insurance
Claim Settlement Ratio	98.1 %	n/a	99.3 %
13 Month Persistency Ratio	78.78 %	n/a	80.3 %
61 Month Persistency Ratio	57.8 %	n/a	58.7 %
Management Expense Ratio - Life Insurance	20.49 %	n/a	19.3 %
New Business Performance - Life Insurance	3137.82 Crs	n/a	5581.05 Crs
Commission Ratio - Life Insurance	10.63 %	n/a	10.1 %
Embedded Value	13812.0 Crs	n/a	52989.0 Crs
AUM - Life Insurance	110048.0 Crs	n/a	313634.0 Crs
Value Of New Business Margin (VNB)	14.6 %	n/a	24.7 %
NBFC
Capital to Risks Assets Ratio (CRAR)	18.22 %	n/a	n/a
Tier I Capital	15.93 %	n/a	n/a
Cost To Income Ratio	31.12 %	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	13.25 %	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	2.62	n/a	n/a
P/E	23.96	32.46	48.92
Shareholdings
Promoter Holding	68.51 %	51.29 %	72.8 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.51 %	3.27 %	-0.55 %
Change in Mutual Fund Holding (3 Yrs)	5.46 %	0.44 %	4.86 %

Business

	Aditya Birla Capital	ICICI Lombard Gen.	ICICI Prudential
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 Others 0.35	-	-
Location Wise Break-Up	Location Wise Break-Up India 99.95 Rest of the World 0.05	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up 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 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 Participating Life 10.71 Linked Group Life 0 Annuity Non participating 0 Traditional 0 Linked Group Pension 0 Protection 0 Unit Linked Insurance Plan(ULIP) 0 Linked Life 46.85 Non participating 34.0 Linked Pension 2.35 Non-Participating(Non-Par) 0 Participating(Par) 0 Others 6.09
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.

Financial

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