Aditya Birla Capital Limited

rs,

Ref: No. ABCL/SD/MUM/2022-23/MAY/05 12 May 2022 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001 Scrip Code: 540691 Scrip ID: ABCAPITAL Dear Sir/ Madam, th Floo

Rs 1 Crore

ise stated NOTE 3: The financial figures in this presentation have been rounded off to the nearest Rs 1 Crore Aditya Birla Capital Limited 2 Q4 FY22 | Performance Highlights Q4 Consol. PAT ₹ 450 C

₹ 450

1 Crore Aditya Birla Capital Limited 2 Q4 FY22 | Performance Highlights Q4 Consol. PAT ₹ 450 Cr. Highest ever quarter profit grew 20% Y-o-Y Record FY22 Consol. PAT1 ₹ 1,706 Cr. 5 Year CAG

20%

Q4 FY22 | Performance Highlights Q4 Consol. PAT ₹ 450 Cr. Highest ever quarter profit grew 20% Y-o-Y Record FY22 Consol. PAT1 ₹ 1,706 Cr. 5 Year CAGR @ 24% Ahead of guidance SNAPSHOT Rank

₹ 1,706

Q4 Consol. PAT ₹ 450 Cr. Highest ever quarter profit grew 20% Y-o-Y Record FY22 Consol. PAT1 ₹ 1,706 Cr. 5 Year CAGR @ 24% Ahead of guidance SNAPSHOT Rank Delivery Vs. Targets Retailisation A T

24%

Highest ever quarter profit grew 20% Y-o-Y Record FY22 Consol. PAT1 ₹ 1,706 Cr. 5 Year CAGR @ 24% Ahead of guidance SNAPSHOT Rank Delivery Vs. Targets Retailisation A Top 100 listed Company

35 Million

n A Top 100 listed Company by profitability2 in FY22 On track to deliver ahead of FY24 Targets 35 Million Active Customers grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP

36%

fitability2 in FY22 On track to deliver ahead of FY24 Targets 35 Million Active Customers grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP ₹ 3.7 LAC Cr ↑ 10% Y-o-Y

₹ 67,185

rack to deliver ahead of FY24 Targets 35 Million Active Customers grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP ₹ 3.7 LAC Cr ↑ 10% Y-o-Y ₹ 13,867 Cr ↑ 25% Y-o-Y Branch

11%

r ahead of FY24 Targets 35 Million Active Customers grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP ₹ 3.7 LAC Cr ↑ 10% Y-o-Y ₹ 13,867 Cr ↑ 25% Y-o-Y Branches 1,04

₹ 3.7

Active Customers grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP ₹ 3.7 LAC Cr ↑ 10% Y-o-Y ₹ 13,867 Cr ↑ 25% Y-o-Y Branches 1,048 Agents and Channel Partners Ecosystem

10%

s grew 36% Y-o-Y Lending Book ₹ 67,185 Cr ↑ 11% Y-o-Y OUR SCALE Total AUM GWP ₹ 3.7 LAC Cr ↑ 10% Y-o-Y ₹ 13,867 Cr ↑ 25% Y-o-Y Branches 1,048 Agents and Channel Partners Ecosystem Partners3

“FY21-22 3Y CAGR: FY19-22 3Y CAGR: FY19-22 (Peergroup Median) 12% 5% 17% 14% NBFCs -5% HFCs AMCs LIs Banks 3Y CAGR: FY19-22 (Peergroup Median) 11% 15% ABCL Consol 48% 21% 18% Industry Aggregate (Average) 9% 2% 2% -7%”

“FY21-22 3Y CAGR: FY19-22 -15% -12% NBFCs HFCs AMCs LIs Banks 10 large/mid sized Private NBFCs 5 large Pvt.”

“1,706 Crore in FY22 ahead of guidance with 5 years CAGR of 24% 1 Consolidated segment revenue ; for Ind AS statutory reporting purpose Asset management and wellness business are not consolidated and included under equity accounting 2 ABNL transferred its 51% stake in Aditya Birla Sun Life Insurance (ABSLI) to ABCL w.e.f 23rd March 2017.”

“14 lakh ▪ 73% direct sourcing ensuring higher customer stickiness in Q4 FY22 on state Focus customers in Tier III/IV cities steady Largely first time Home Owners income ▪ Target to increase direct sourcing to opportunities 80% by Mar’23 ▪ 6000+ ABC distributor engaged (Mar’22 : Penetration: 7%; Disb : Rs.”

“FYP ↑ 11% in Q4 (9% for Industry) and ↑ 14% in FY22 (14% Y-o-Y in FY21) ➢ FY22 Renewal premium1 ↑ 24% y-o-y, 22% CAGR over 2 years ➢ Productivity Led growth across Individual Channels ➢ Superior performance across all KPIs among the Peer Set ➢ Digital Renewal Collection at 73% in value with 85% policies renewed digitally ➢ Group FYP ↑ 73% in Q4 (33% for Industry) and ↑ 30% in FY22 (34% in FY21).”

“Protection share of Business ➢ Achieved 5.5% protection share in FY’22 ➢ All protection business is Medically underwritten Active Risk Mitigation Strategy ➢ Intend to protect Policyholder’s guaranteed benefits i.e.”

“1 Sustained strong growth 2 Strong financial management ➢ Continued growth momentum: FY22 GWP Rs 1,727 Crore (↑ 33% y-o-y)| Industry market share ↑ 2.1% (PY: 2%) I 3 years CAGR at 51% vs.”

YoY

12

WHATSAPP BOT

1

RPA

1

VOICE BOTS

1

DIGITAL KYC

1

Security Cover

1

Products in pipeline include

1

YoY

FY21-22 3Y CAGR: FY19-22 3Y CAGR: FY19-22 (Peergroup Median) 12% 5% 17% 14% NBFCs -5% HFCs AMCs LIs Banks 3Y CAGR: FY19-22 (Peergroup Median) 11% 15% ABCL Consol 48% 21% 18% Industry Aggregate (Average) 9% 2% 2% -7%

YoY

FY21-22 3Y CAGR: FY19-22 -15% -12% NBFCs HFCs AMCs LIs Banks 10 large/mid sized Private NBFCs 5 large Pvt. Banks 5 large/ mid sized HFCs 3 Listed AMCs 5 Life Insurers Fastest 3 years PAT growth amongst non-bank financial players within Top 100 listed Companies Aditya Birla Capital Limited NBFC Peers include: Bajaj Finance, Shriram Transport, L&T Finance, Mahindra Finance, HDB Financial Services, Cholamandalam, Shriram City Union Finance, IIFL Finance, Tata Capital, Sundaram Finance HFC Peers include: HDFC Ltd, Indiabulls Housing, PNB Housing, CanFin Homes, L&T Housing Finance Life Insurance Peers Include: SBI Life, ICICI Prudential Life, HDFC Life, Kotak Life, Bajaj Life AMC Listed Peers include: HDFC MF, Nippon MF and UTI AMC Banks Peers Include: HDFC, ICICI, Axis, Kotak and Yes Bank 6 On track to deliver ahead of FY24 targets NBFC Housing AMC Key Metrics Retail + SME mix Net Interest Margin Return on Assets Affordable mix Net Interest Margin Return on Assets Domestic Equity AAUM mix

WHATSAPP BOT

One of the first in BFSI to integrate WhatsApp, Chatbot, Wide coverage with 280+ services, 6.8 mn+ customer opt-ins.

RPA

Robots used for automation of Mid Office and Backoffice processes across Operations, Risk, Finance etc. 500 + robots implemented across LOB’s.

VOICE BOTS

ML/NLP based Voice bots across Pre Sales, Onboarding, Service and Retention.140 + bots live across LOB’s, 4 mil+ Voice bot calls in FY 22

DIGITAL KYC

Early adopters of CKYC / DigiLocker, One of the first in MF & NBFC to launch Video KYC for contactless onboarding. Aditya Birla Capital Limited 1including HNI Loan book 10 Customer Value: The Power of Integrated ABC ABC MOBILE APP Power in the hands of customers with unified mobile app with 250 services across businesses with seamless, personalized experience to drive multiple products per customer. 1.7+ Million customers enabled on the platform. ABC CO-BROWSING ASSIST ABC Chatbot and ABC WhatsApp Bot for customers to seamlessly navigate across products for service needs. Live assistance using Chat/Co Browsing thus improving customer experience 1.3+ Million customer interactions in FY22. 6 1 0 2 / t n e t n o C t h g i r y p o C ONE ABC Branch Maximise coverage and market access through co- location and improves real-estate space utilization, driving cost benefits Provides low cost opportunity to businesses to expand to new locations and thus grow revenues 193 One ABC branches as on Ma