Aditya Birla Capital Limited

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Ref: No. ABCL/SD/MUM/2023-24/MAY/09 11 May 2023 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001 Scrip Code: 540691 Scrip ID: ABCAPITAL Dear Sir/ Madam, th Floo

54.2%

onglomerate Diversified Financial Services Platform from a Trusted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Finan

16.8%

Services Platform from a Trusted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Financial Company Aditya Birla Housing

100%

es Platform from a Trusted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Financial Company Aditya Birla Housing Fina

51%

from a Trusted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Financial Company Aditya Birla Housing Finance 100% H

50%

a Trusted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Financial Company Aditya Birla Housing Finance 100% Housin

46%

sted conglomerate Grasim Industries 54.2% Promoter & Promoter Group 16.8% 100% 100% 51% 50% 46% Aditya Birla Finance Non Bank Financial Company Aditya Birla Housing Finance 100% Housing Fin

74%

irla Sun Life AMC Aditya Birla Health Insurance Asset Management Standalone Health Insurance 74% 50% Listed 100% Aditya Birla Money 74% Stock & Securities broking Listed Aditya Birla Insu

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d 100% Aditya Birla Money 74% Stock & Securities broking Listed Aditya Birla Insurance Brokers1 General Insurance Broking Aditya Birla ARC Stressed asset platform Above is not intended to show

2 lakh

XPERIENCE: Omni Channel Architecture with consistent experience 1,295 Branches across businesses1 2 lakh+ channel partners1 One ABC locations 584 co-located branches across 155 locations Continue to

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d repayments Secured lending for dealers: Loan against property Business Update1 Registered Users 2,500+ Loan Applications 1,100+ 1.As of April 30, 2023 Aditya Birla Capital Limited 7 D2C PLATFO

94,364 crore

growth momentum across businesses Lending Book1 Gross Premium2 Total AUM3 Consolidated PAT ` 94,364 crore ` 17,787 crore ~ ` 3.6 lac crore ` 2,057 crore4 ↑ 40% Y-o-Y ↑ 10% Q-o-Q ↑ 28% Y-o-Y ↓ 3% Y-o-

“schemes ATS (₹ lacs) 73% 27% Q4 FY22 12.13 7,254 79% 21% 8,409 TL / WCDL 76% 24% Structured Finance Construction Finance Project Finance 20,195 48% 10% 16% 27% 23,742 24,761 50% 5% 17% 28% 52% 5% 17% 25% Q3 FY23 10.29 Q4 FY23 10.67 ATS (₹ crore) Q4 FY22 50.49 Q3 FY23 52.64 Q4 FY23 53.48 Aditya Birla Capital Limited 19 ~ 70% overall loan book is secured (incl.”

Channel financing for dealers

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Secured lending for dealers

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Daily Average Users

1

Secured lending for dealers

Loan against property Business Update1 Registered Users 2,500+ Loan Applications 1,100+ 1.As of April 30, 2023 Aditya Birla Capital Limited 7 D2C PLATFORM OFFERING PIFA PRODUCTS… Customer PIFA across touchpoints App Website Virtual Engagement Laying foundational elements for execution Company set-up ABC Digital - A wholly owned subsidiary of ABCL incorporated on 23rd Mar 2023 The new entity will distribute financial products across protecting, investing, financing Team composition and structure Multi-skilled team across Products, Tech, Marketing, Data Analytics, Payments and Strategy in place Structure enabling agile approach for speedy execution Products Collaboration with NPCI (27th Feb 2023) to mark entry into payments space through operating subsidiaries, envisaging faster adoption of new technologies and further promoting digital payments Value added services will be offered In addition to traditional FS products …to serve existing customers and acquire new customers directly in a

Daily Average Users

57,000 (increase of 37% over FY’22) 1. Pre-approved sum assured Aditya Birla Capital Limited 54 …for scalability, enhancing customer service and driving upsell Strong growth in value of new business VNB1 Indian Embedded Value2 ` crore ~801 bps y-o-y 2.17x y-o-y ` crore 10.6% 15.0% 23.0% RoEV: 22.6% 800 7609 731 6441 800 189 575 260 9014 3.7x 369 219 FY21 FY22 FY23 FY’21 FY’22 Unwind VoNB Economic Variance Operating & Assumption variance Capital Injection FY’23 1. Individual + Group Risk 2. The methodology, assumptions and the results of base EV and VNB have been reviewed by Willis Towers Watson Actuarial Advisory LLP. Aditya Birla Capital Limited 55 Our Approach Grow traditional products including protection in retail segment Focus on growing credit life in group segment Continue to make investments in direct channels Invest in PSU relationships to grow the mindshare Growth Risk management and quality Mitigate interest rate risk by Active forward rate agreement management for hedging e