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CORPORATE PRESENTATION ADITYA BIRLA NUVO LIMITED A PREMIUM CONGLOMERATE FEBRUARY 2016 1 Pg 4 Aditya Birla Group (ABG) Snapshot 2 Pg 5 Aditya Birla Nuvo (ABNL) : Vision – Mission - Values 3 ABNL Structure Pg 6 4 Key Highlights Pg 7 5 ABNL Businesses : 5.1 Aditya Birla Financial Services Pg 17 5.2 Telecom Pg 27 5.3 Divisions Pg 29 5.4 New Ventures Pg 34 Pg 35 6 Annexure 2 GLOSSARY Company Technical ABG – Aditya Birla Group FCF – Free Cash Flow ABNL – Aditya Birla Nuvo Limited FY : Financial Year (April-March) Technical ABCAP – Aditya Birla Financial Services Limited EBO – Exclusive Brand Outlet ABFL – Aditya Birla Finance Limited MBO – Multi Brand Outlet ABHFL – Aditya Birla Housing Finance Limited JV – Joint Venture ABIBL – Aditya Birla Insurance Brokers Limited NBFC – Non Banking Financial Company ABCAP – Aditya Birla Capital Advisors Pvt Limited NPA – Non-Performing Asset ABML – Aditya Birla Money Limited PQ – Previous Quarter ABMM – Aditya Birla Money Mart Limited PY – Corresponding period in Previous Financial Year ABHIL - Aditya Birla Health Insurance Limited Q1 – April-June BSLI – Birla Sun Life Insurance Company Limited Q2 – July-September BSLAMC – Birla Sun Life Asset Management Company Limited Q3 – October-December Q4– January-March Technical QoQ – Quarter on Quarter (Previous Quarter) AUA – Assets Under Advisory ROA – Return on Asset AUM – Assets under Management ROACE : Return on Avg. Operating Capital Employed based on EBIT AAUM – Quarterly average Assets under Management ROE – Return on Equity ARPU – Average Revenue Per User RMS – Revenue Market Share ARMB – Average Revenue Per Megabyte TPA – Tons per annum APE – Annual Premium Equivalent VAS – Value Added Services CY : Current Year VFY ­– Viscose Filament Yarn CAGR – Compounded Annual Growth Rate VLR – Visitor Location Register EBITDA – Earnings Before Interest, Tax, Depreciation and Amortization VSF – Viscose Staple Fibre EBIT – Earnings Before Interest and Tax YOY – Year on Year ( Corresponding period in previous Financial Year) ECU – Electro Chemical Unit YTD – Year to date 3 NOTE 1 : The financial results of ABNL are consolidated financial unless otherwise specified NOTE 2 : The financial figures have been rounded off to the nearest ₹ 1 crore NOTE 3 : 1 USD = ₹ 60 Strong Parentage of Aditya Birla Group (ABG) A USD 41 billion Indian multinational, Aditya Birla Group is in the league of Fortune 500 Operating in 36 countries across 6 continents deriving Ranked 4th in global top companies for leaders & 1st in Asia Pacific ABG Snapshot over 50% of revenue from overseas operations (Source: Aon Hewitt, Fortune Magazine & RBL - 2011) ABNL Anchored by 120,000 employees from 42 nationalities. Vision – Mission Among the largest and the most reputed business houses in India Trusted by 1.2 Mn shareholders & 150 Mn+ customers ABNL Structure Ranked 1st in Nielsen’s Corporate Image Monitor 2014-15 – Occupying pole position for 3 consecutive years Key Highlights Flagship listed companies Aditya Birla Financial Services Aditya Birla Nuvo (ABNL) Grasim & Ultratech Hindalco - Incl. Novelis Aditya Birla Fashion & Idea Cellular (Telecom) Telecom Retail Ltd (ABFRL) (Conglomerate) (VSF & Cement) (Aluminium & Copper) Divisions Global positioning In India Largest Indian MNC with manufacturing operations in the US Leadership Aluminium, Cement, Carbon Black, VSF, VFY, Position Branded Apparels,Copper, Chlor-alkali, Insulators New Ventures Aluminium World’s largest aluminium rolling unit (in terms of capacity/production/sales) VSF Among the top 2 producers in the world Top 3 Telecom (in terms of wireless revenue market share) Annexure Carbon Black World’s largest in terms of capacity Top 5 Life Insurance (in private sector in terms of AUM) Cement Among the top global players Asset Management (in terms of average AUM) th Insulators & acrylic fibre Globally 4 Largest 4 ADITYA BIRLA NUVO LIMITED (ABNL) : VISION, MISSION & VALUES Vision ABG Snapshot ABG Snapshot “To be a premium conglomerate building leadership in businesses and creating value for all the stakeholders” ABNL Vision – Mission ABNL Structure Mission ABNL Structure  Investing in promising sectors Key Highlights  Building leadership in businesses  A platform to drive synergy of resources A Ad dit itya ya Bi Birl rla a Fina Finan ncia cial l S Service ervices s  Delivering best value to all the stakeholders  To be a responsible corporate citizen Telecom Kumar Mangalam Birla T Telec elecom om Chairman T Di Di elec vis visions ions om Divisions Values • Integrity Divisions New Ventures New Ventures • Commitment New Ventures Annexure • Passion A An nn nexu exure re • Seamlessness Annexure • Speed 5 ABNL - A Premium Conglomerate ABG Snapshot SOLAR DIVISIONS Jaya Shree ABNL Aditya Birla Aditya Birla Financial Services (100%) Renewables Ltd. Vision – Mission Life Insurance Telecom (51%) (74%) (23.26%) Agri NBFC (100%) ABNL Structure Rayon Housing Finance (100%) Key Highlights Asset Management (51%) Insulators Aditya Birla Financial Services General Insurance Advisory (50.01%) Telecom Private Equity (100%) Divisions Broking (75%) Wealth Management (100%) New Ventures Represents Divisions Represents subsidiaries Represents Joint ventures Listed Online Money Management (100%) Note 1: Percentage figures indicated above represent ABNL’s Shareholding in its subsidiaries/JV’s New Ventures Note 2 : Sun Life Agreed to increase its stake in life insurance joint venture from current 26% to Aditya Birla Health 49% at an investment of ` 1,664 crore, subject to requisite approvals .On completion of transaction, Health Insurance (100%) Insurance Co. Ltd. ABNL will continue to hold controlling stake at 51%. Annexure (Proposed 51% JV) 6 6 ADITYA BIRLA NUVO : PROGRESSING IN LINE WITH ITS VISION Investing in the Promising Sectors Augmented Fashion Forayed in Life ABG Snapshot offerings through Insurance business Expanded Linen Yarn and Fabric through JV with acquisition of Capacities Pantaloons, a top 3 Sun Life, Canada ABNL big box apparel Commenced Housing Finance operations Vision – Mission Enhanced strategic retailer stake in Telecom through Idea ABNL Structure Key Highlights 2000 2005 - 06 2012 2013 2001 2005 - 11 2014 2015 2003 Aditya Birla Financial Services ABNL receives in-principle approval from RBI to set up Telecom Payments bank in a 51 : 49 joint venture with Idea Cellular Entered into JV with MMI Divisions Added New Superfine Entered Fashion Expanded Financial Holdings to foray in health Yarn capacity in business through Services portfolio by insurance business in India Rayon acquisition of merger of Asset management Madura & NBFC business New Ventures ABNL partners with Abraaj Group and entry in broking, to invest in the Solar Power Created India’s largest private equity etc. Business in India. Entry into IT-ITeS online money Annexure Business management platform “My Universe” Invested USD 2 billion over past 15 years to fund the growth of its businesses leading to transformation from a manufacturing company to a premium conglomerate 7 BUILDING LEADERSHIP POSITION ACROSS ITS BUSINESSES Aditya Birla Financial Services Aditya Birla Financial Services ABG Snapshot Industry AUM Augmenting Portfolio 1 USD 30.9 billion ABNL Positioning • ABNL has entered into a JV agreement in June 2015 with MMI Vision – Mission (₹ 185,515 Crore) Among the top 5 Holdings Ltd., to enter into health insurance business in India Dec’15 - 26%↑ y-o-y fund managers • Proposed to be a 51:49 Joint venture with MMI Holdings. in India ABNL Structure • Received an in-principal approval from FIPB (excl .LIC) • Regulatory approval from IRDAI is awaited. Key Highlights Diversified NBFC Portfolio Lending Book Aditya Birla 2 Having 12 lines USD 3.9 billion Financial Services of businesses (₹ 23,442 Crore) Dec’15 - 51%↑ y-o-y Strategic Action Telecom • Sun Life Financial, Canada to raise its stake in Birla Sun Life Insurance (BSLI) from 26% to 49%. Divisions Revenue – FY15 EBT – FY15 • ABNL will sell 437 million shares in BSLI, constituting its USD 1.3 billion USD 141 million 23% stake, for a sum of ₹ 1,664 Crore. (₹ 7,926 Crore) (₹ 849 Crore) • The transaction is expected to complete within next 2-3 months, subject New Ventures 19%↑ y-o-y 17%↑ y-o-y to the requisite statutory & regulatory approvals in India and Canada • After the transaction, ABNL will continue to hold controlling Annexure stake in BSLI at 51%. Note 1 : Includes AUM of Life Insurance, Private Equity and quarterly AAUM of Asset Management business Note 2 : Including Housing Finance lending book Note 3 : 1 USD = ₹ 60 8 BUILDING LEADERSHIP POSITION ACROSS ITS BUSINESSES Telecom (Idea Cellular) Divisions ABG Snapshot Industry Positioning Industry Strong Balance Free Cash Flow – FY15 India’s largest Linen and VFY (pre-tax) ABNL Positioning Sheet player Vision – Mission USD 52 million th 1 6 largest in the world Net Debt to EBITDA : 3.3x (` 314 Crore) rd 2 3 largest in India (Standalone) Leading manufacturer of Urea & 36%↑y-o-y st (as on 31 Dec’15) Insulators ABNL Structure Key Highlights Revenue - FY15 Outperforming Revenue - FY15 EBITDA – FY15 USD 901 million USD 5.3 billion USD 102 million Industry (` 5,405 Crore) Aditya Birla (` 615 Crore) (₹ 31,527 Crore) Revenue share grew y-o-y 9%↑ y-o-y Financial Services 19%↑ y-o-y 11%↑ y-o-y 2 from 17.2% to 18.5% 3 Incremental RMS 37.7% Telecom Divisions Outlook Cash profit – FY15 EBITDA – FY15 Strong ROACE –9MFY16 Expanding linen yarn capacity USD 1.9 billion (annualised) (post tax) to tap sector growth. (₹ 11,281 Crore ) USD 1.4 billion JayaShree 46% p.a. New Ventures 32%↑ y-o-y (₹ 8,482 Crore) Long term anti-dumping duty to Agri 15% p.a. benefit Insulators sector. 32%↑ y-o-y Rayon 29% p.a. Annexure Gas pooling policy to Insulators 22% p.a. benefit urea sector. Divisions 23% p.a. Note 1 : In terms of subscribers and based on operations in a single country (Source : GSMA, Sep’15) Note 2 : Based on gross revenue for UAS & Mobile licenses only for Q2 FY16, as released by TRAI Note 3 : Q2 FY16 over Q2 FY15 9 A PLATFORM TO DRIVE SYNERGY OF RESOURCES Standalone Net Debt Standalone Ratios (₹ Crore) ABG Snapshot Net Debt/annualised EBITDA Net Debt/Equity 3,584 3,854 2,980 ABNL 3,591 5.8 Vision – Mission 3.4 ABNL Structure 3.7 3.0 0.87 Key Highlights O/s 0.68 0.42 0.34 1,193 Fertilisers 929 676 306 Subsidy Aditya Birla Mar'09 Mar'12 Mar'15 Dec'15 Mar'09 Mar'12 Mar'15 Dec'15 Financial Services Telecom Standalone balance sheet has been the growth engine for ABNL & a platform to drive synergy of capital resource Invested USD 1 billion to fund the growth capital requirements of its businesses over past six years Divisions Led by realisation of subsidy in Agri business and transfer of ₹439 Cr. of net debt pursuant to de-merger of Madura into PFRL, Net debt reduced by ₹ 600 Cr. during past nine months New Ventures In FY 2015-16, standalone balance sheet will support following investment and capex plan: Standalone Capex of ₹150Cr. Annexure Investment of ₹800 Crore in the Financial Services businesses Proceeds of ` 1,664 Cr. from sale of 23% stake in BSLI will strengthen the balance sheet. 10 DELIVERING BEST VALUE TO ALL THE STAKEHOLDERS … Exit from sub scale businesses to achieve greater focus on other businesses ABG Snapshot Outcome Business Divested Effective Date Enterprise Value Supported ABNL’s growth plans ABNL Carbon Black 1st April 2013 USD 240 million Vision – Mission & strengthened balance sheet IT-ITeS 9th May 2014 USD 260 million Greater focus on core businesses ABNL Structure Creation of India’s largest branded apparel company Key Highlights Aditya Birla Financial Services Telecom 1 Womenswear 1 Menswear Aditya Birla player player Fashion & Retail Ltd. Divisions Madura Fashion & Lifestyle stands transferred to & vested in Pantaloons Fashion & Retail Ltd. (PFRL) th New Ventures on scheme becoming effective on 9 Jan’16. th PFRL renamed as Aditya Birla Fashion & Retail Ltd. (ABFRL) w.e.f. 12 Jan’16. ABFRL allotted 26 shares to ABNL’s shareholders for every 5 shares held in ABNL. Annexure th New shares were listed & permitted for trading on BSE & NSE w.e.f. 4 Feb’16. With the reduction in resultant holding of ABNL in ABFRL to 9.1%. ABFRL has ceased to be the subsidiary of ABNL. ABNL’s financial results have been st recast to exclude ABFRL (Madura + Pantaloons) w.e.f. the appointed date, i.e., 1 April 2015. (Refer Slide 41 for transaction structure) 11 … AND DRIVING STRONG EARNINGS & VALUE GROWTH Financials Services, Telecom & Divisions Branded Apparels Consolidated Revenue Consolidated EBITDA ABG Snapshot (₹ Crore) (₹ Crore) CAGR 11% CAGR 37% ABNL Vision – Mission 26,516 ABNL Structure 21,840 5,798 14,331 Key Highlights 3,247 867 Aditya Bira Financial Services FY09 FY12 FY15 FY09 FY12 FY15 Telecom Market Capitalisation Consolidated Net Profit (₹ Crore) (₹ Crore) Divisions CAGR 32% CAGR 56% (FY10-FY15) 28,205 New Ventures 1,416 21,654 890 Annexure 10,723 4,227 -436 12 FY09 FY12 FY15 Dec-15 FY09 FY12 FY15 ANCHORED BY A STRONG MANAGEMENT TEAM Board of Directors ABNL has a balanced Board, comprising of 1 Executive, 2 Non-Executive, 1 nominee & 4 Independent Directors, including 2 women directors. ABG Snapshot Independent directors have rich experience in their respective fields and incl. ex-secretary to the President of India and former top executives from ABNL the esteemed organizations viz., Exim Bank, LIC etc. Vision – Mission Business Business Head ABNL Structure Mr. Lalit Naik, Managing Director VFY , Chemicals, Agri, Insulators Key Highlights Mr. Ajay Srinivasan Financial Services Mr. Thomas Varghese Aditya Birla Textiles Financial Services Mr. Himanshu Kapania Telecom Telecom Each business is run as an independent SBU under the leadership of a business head Divisions Chief Financial Officer heads the finance function which is the life blood for a business Business heads & the Chief Financial Officer have wide-ranging experience in the areas of business development, strategy formulation, restructuring, acquisitions, technology management etc. New Ventures Some of the senior management team members, prior to joining Aditya Birla Group, have also played key roles in the globally renowned organizations viz., Saint Gobain, Dow Chemicals, Prudential Corporation Asia etc. Annexure Chief Financial Officer Ms. Pinky Mehta 13 Str CSR Vision To actively contribute to the social and economic development of the communities in which we operate. To build a better, ABG Snapshot sustainable way of life for the weaker and marginalized sections of society and raise the country’s human development index. ABNL THE FOCUS AREAS Vision – Mission Sustainable Infrastructure Education Health Ca re Social Causes Livelihood Development ABNL Structure Key Highlights Aditya Birla Nuvo’s community engagement spans 193 villages, inclusive of 14 model villages. Our CSR work is in proximity to our 6 manufacturing units across 4 states of the country. CSR spends at the Group level exceed the 2% norm. Aditya Birla Financial Services Some of the initiatives taken Supported in the campaign for enrolment, and reduction of dropouts at Bangalore Rural and Urban Districts, Jagdishpur, Veraval, Rishra and Halol. We Telecom reached out to 119 schools and 20,053 children. Initiated special coaching classes and career counselling programmes for students. Uniforms, books, notebooks, writing pads, bags and stationery EDUCATION was distributed to 6,965 children Di Telec visions om We continue to support Kasturba Gandhi Balika Vidyalaya (KGBV - Government residential schools for girls). Channapattana,Krishnagiri, Veraval, Jagdishpur and Halol. Two residential schools at Jagdishpur & Bangalore to help visually impaired children. Functional literacy program conducted in 11 villages at Jagdishpur New Ventures Our hospitals & medical centres at plant locations in remote areas of the country attended to over 1 lac patients for minor and major ailments. Annexure Organised over 49 medical camps & 23 speciality medical camps in remote villages in Karnataka, Jagdishpur, Rishra, Veraval and Halol. HEALTHCARE Dental and eye camps were organised for school children. Annexure More than 800 rural women participated in the 10 cancer awareness camps organised at Anekal and Ramnagar. 14 CSR Helping farmers earn better through farmer training programmes on advance cropping techniques and other processes to improve yield. Launched Project Kaushalya – A Skills Training Centre in collaboration with CII. Integrated Livestock Development, run in collaboration with ABG Snapshot BAIF providing veterinary support, artificial insemination and vaccinated 5,664 cattle. SUSTAINABLE Project ANYA, the Women Economic Empowerment initiative: DEVELOPMENT ABNL Through our 17 production centres at Jagdishpur, Veraval and Rishra we trained 717 rural women in Apparel and Jute products Vision – Mission manufacturing Infrastructure Development such as the construction and repair of school buildings, road / repairs in remote locations. ABNL Structure To promote dowry less marriages, our unit at Veraval organised mass marriages for 50 couples from the underprivileged community. Key Highlights SOCIAL CAUSES Distribution of 40,478 garments to underprivileged people at various charitable organisations at Bangalore. organised a relief camp to help the flood victims of J&K. We reached out to 3,000families and we gave them 44,060 garments Aditya Birla Financial Services Telecom Divisions New Ventures Annexure 15 CONSOLIDATED EARNINGS MIX – FY15 Segment Revenue Segment EBIT ABG Snapshot ABNL Vision – Mission Fashion Divisions Divisions Financial ABNL Structure 2 & Lifestyle Services 17% 21% 21% Key Highlights 28% Fashion 2 & Lifestyle 1 1 Aditya Birla Financial Services 26,234 9% 2,874 (₹ Crore) (₹ Crore) Telecom Telecom Financial Services 28% Divisions Telecom 30% 46% New Ventures Annexure th Note 1: Revenue and EBIT Mix are excluding IT-ITeS business which was divested w.e.f. 9 May 2014 Note 2: Madura Fashion (a division of ABNL) and Madura Lifestyle (a branded apparel retailing division of Madura Garments Lifestyle retail Co.Ltd. a subsidiary of ABNL) were de-merged into Pantaloons Fashion & Retail Ltd. a listed subsidiary of ABNL, w.e.f from 1st April 2015. Refer Slide 41 for transaction Structure. 16 ADITYA BIRLA FINANCIAL SERVICES (ABFS) Vision : To be a leader & role model in a broad based & integrated financial services business ABG Snapshot Nation wide presence through 1,350 branches / touch points and 1,20,000 agents / channel partners AUM at ₹185,515 Cr. Anchored by 11,750 employees Lending book (Including housing Diversified portfolio with Ranks among top 5 fund ABNL (26%↑ y-o-y) & finance) at ₹ 23,442 Cr. 12 lines of businesses managers in India (excl. LIC) Vision – Mission (Dec’ 15) trusted by 7 million customers (51%↑ y-o-y) (Dec’ 15) Entering Strategic Partnerships & Investing in promising sectors ABNL Structure Consolidation of Acquisition of financial services Foray in Housing Finance business Foray in the schemes of Apple Launched Private businesses under Acquired mutual fund schemes & portfolio NBFC Business mutual fund Key Highlights Equity Fund Aditya Birla Nuvo accounts from ING Mutual Fund Acquisition of Alliance IFC became strategic financial investor in mutual fund MyUniverse Aditya Birla Financial Services Telecom Entered into JV with MMI Launched India’s Holdings to foray into Entered retail broking Foray in Mutual Foray in Life Insurance largest online money health insurance in India Divisions through acquisition of Fund business business through JV management portal Sun Life to raise its stake in Apollo Sindhoori with Sun Life, Canada “MyUniverse” BSLI from 26% to 49% New Ventures Others ASSET UNDER MANAGEMENT Revenue Earnings Before Tax Equity (₹ Crore ) (₹ Crore) 1,64,940 CAGR 17% 849 Annexure 1,22,362 121,836 7,926 761 727 107,539 6,637 6,542 6,304 6,378 88,309 600 88,371 96,762 368 25,600 43,104 17 FY11 FY12 FY13 FY14 FY 15 FY11 FY12 FY13 FY14 FY15 FY11 FY12 FY13 FY14 FY15 ADITYA BIRLA FINANCE (ABFL) - NBFC Established in 1991, one of India’s most reputed NBFC’s ABG Snapshot Lending book reached ROE – 15.1% Net worth grew 13x from ₹ 235 Gross NPA - 0.82% USD 3.7 billion mark ROA – 2.09% Crore in Mar’10 to ₹ 3,051 Crore Net NPA - 0.16% (9M FY16) (44%↑ y-o-y) (Dec’ 15) in Dec’15 (9M FY16) ABNL Vision – Mission Highest A1+ rating for short term debt and AA+ rating for long term debt from ICRA and India Ratings A ABNL BNL S Stru tructu cture re Industry Landscape : Key Key Hi Hig gh hli lig gh hts ts Domestic credit provided by the financial sector as % of GDP in India at 75% is very low if compared with 170% to 375% in large economies like China, UK, Hong Kong , US & Japan. AA dd itit ya ya Bi Bi rlrl aa The Share of NBFCs has steadily grown from 10.7% of banking assets in 2009 to 14.3% in 2014, thus gathering systematic importance Fina Fina nn cia cia l l S S ervice ervice ss Lowering of interest rates, growing capital markets, infrastructure focus of government and projects like “Make In India” & “Digital India” will spur Telecom growth of NBFCs. Lending Book Di Divis visions ions About Business & Competitive Edge: (₹ Crore) CAGR 69% 22,210 Strong Parentage Support: Capital Infusion of ₹ 1,900 Crore in past 5 years to support growth New Ventures 17,564 Experienced Management: Over 200 man years of domain expertise in financial services 11,550 Portfolio diversification, client selection & active management key to sustainable growth A An nn nexu exure re 8,000 Robust Credit Appraisal & Risk Management leading to healthy book and return ratios 3,425 1,850 18 Mar'11 Mar'12 Mar'13 Mar'14 Mar'15 Dec' 15 ADITYA BIRLA FINANCE (NBFC): FINANCIAL HIGHLIGHTS Revenue & Net Profit Opex to Net interest (%) (₹ Crore) Gross NPA Net NPA ABG Snapshot Revenue Net Profit 39.0 36.0 34.6 1.29% 289 1.23% 271 30.5 1.16% ABNL 29.3 Vision –Mission 24.1 0.90% 0.84% 0.83% 0.82% 166 0.58% ABNL Structure 100 0.32% 56 0.16% 37 Key Highlights 348 715 1201 1776 1746 196 FY12 FY13 FY14 FY15 9MFY16 FY11 FY12 FY13 FY14 FY15 9mFY16 FY11 FY12 FY13 FY14 FY15 9MFY16 Aditya Birla Financial Services Net Worth (₹ Crore) Telecom Segment wise Loan book (Dec’ 15) ROE ROA Others 3051 CAGR 56% 3% 15.1% 2585 Divisions 14.6% 14.3% 13.1% Capital 11.4% Mortgages 10.2% 1769 Market 26% New Ventures 19% 1079 Corporate 628 497 Finance Annexure Infra 2.11% 2.19% 2.09% 2.00% 1.92% 1.85% 235 25% Finance 27% FY11 FY12 FY13 FY14 FY15 9MFY16 Mar'10 Mar'11 Mar'12 Mar'13 Mar'14 Mar'15 Dec'15 19 ADITYA BIRLA FINANCE (NBFC): FINANCIAL HIGHLIGHTS FY 12-13 FY 13-14 FY 14-15 Spread Analysis Healthy borrowings Profile Total Income / Average Loan Book 13.8% 13.5% 13.1% Capital Adequacy ratio at 15.8% ABG Snapshot (Tier I : 13.0% & Tier II : 2.8%) Interest Cost / Average Loan Book 8.4% 8.3% 8.2% ABNL Total borrowings at ₹18,803 Crore Vision – Mission Net Interest Income (Incl. Fee income) 5.4% 5.1% 5.0% ABNL Structure Leverage at 6x Opex / Average Loan Book 1.9% 1.5% 1.5% Out of total borrowings 66% is long term Key Highlights Provisioning & Write-offs / Average Loan Book 0.6% 0.8% 0.5% Well placed ALM strategy ROA 1.92% 1.85% 2.0% Aditya Birla Financial Services Aditya Birla Housing Finance (ABHFL) Telecom Footprint expanded to 26 markets Commenced operations in Lending book as on Dec’15 Net worth at ₹200 Cr. Divisions in Dec’15. Setting up presence in Oct’14 is ₹ 1,232 Cr. (as on Dec’15) 10 more markets by Mar’16 Industry Landscape New Ventures The housing finance loan book has crossed ₹10 trillion mark (Dec’14). Housing Finance Companies & NBFCs account for 37% of this loan book. An investment to the tune of USD 2 trillion is expected in the housing sector over the next decade, to achieve the Government’s vision of “Housing for All by 2022” and “Development of 100 smart cities”. Annexure ABHFL Investing in key systems and processes for loan origination till on-boarding and servicing. An online customer acquisition platform has been setup for digital presence. 20

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