ADITYA

BIRLA
CAPITAL
LTD
 Overview
Aditya Birla Capital Limited (ABCL) is the holding company for the financial
services businesses of the Aditya Birla Group.

ABCL’s subsidiaries have a strong presence across Protecting, Investing and

Financing solutions, ABCL is a universal financial solutions group catering to diverse
needs of its customers across their life stages. Powered by more than 20,000
employees, the subsidiaries of ABCL have a nationwide reach with 850+ branches and
more than 2,00,000 agents / channel partners and several bank partners.

As of December 31st, 2019, Aditya Birla Capital Limited manages aggregate assets
under management over Rs. 3000 billion and has a consolidated lending book of Rs.
601 billion, through its subsidiaries and joint ventures.

Aditya Birla Capital Limited is a part of the Aditya Birla Group, a US$ 48.3 billion
Indian multinational, in the league of Fortune 500. Anchored by an extraordinary
force of over 120,000 employees, belonging to 42 nationalities, the Aditya Birla Group
operates in 36 countries across the globe.

ACHIEVEMENTS
In pursuit of leadership vision
 Aditya birla among the Top 5 Private Diversified NBFCs in India
 one of the largest Private Life Insurance Companies in India
 one of the largest Asset Management Companies in India
 one of the largest General Insurance Brokers in the country

In pursuit of desire to be a role model

 Today, a leading non-bank financial services player with a strong focus on
quality of growth
 Renowned for risk management, people practices, sales management,
investor education, product innovation & fund management capabilities
 Aditya birla is the best 3 financial services players to work for

Aditya birla has continued to build a Broad based & Integrated financial services
business
  This company’s integrated play has helped us gain a competitive edge by allowing us to
share best practices, derive cross-business synergies & provide our talent pool an
opportunity to grow their career through cross-functional and cross-sectoral experience
 Distributors and partners see tremendous value in association with our businesses
 They are successfully expanding the market for our offerings, along with our market share
in each of our business.

Shareholding Summary for ABCL

2%
11% 14%

2%

70%

foreign institutions MF Promoter other fii

management

BOARD OF DIRECTORS

Chairman KUMAR MANGALAM BIRLA

MANAGING DIRECTOR RAKESH SINGH
CEO
CHIEF FINANCIAL PINKI MEHTA
OFFICER
NON Executive Director SUSHIL AGRAWAL
SANTRUPT MISHRA
Independent Director ARUN ADHIKARI
P.H. RAVI KUMAR
VIJAYALAXMI IYER
SC BHARGAVA
CHIEF EXECUTIVE AJYA SRINIVASHAN

.
 consolidated( Rs in cr) Consolidated (Rs in cr)

Financial Year 2018-19 (FY

Financial Year 2018-19 (FY 2019)
2020)

sales 16792.29 15163.51

Other income 18.12 8.46

Total income 16810.41 15,171.97

total expenditure 11174.58 9908.10

Profit before finance cost and

5635.83 5263.87
tax

Tax expense 413.63 569.35

Interest 4607.01.45 4109.06

Profit for the year 615.19 585.46

BALANCE SHEET
BALANCE SHEET Amount
Equity & liabilities
SHARE CAPITAL 2413.76

RESERVE & SURPLUS 10162.03

CURRENT LIABILITIES 98783.17

OTHER LIABILITIES 2410.04

TOTAL LIABILITIES 113769

ASSETS
Fixed assets 684.91

Current assets 110188.20

others 2895.89

Total assets 113769

Swot analysis
 Stock gain more than
20% in a month
 Company with 0 promoter
pledge
 Brand name gives it an
edge in AMC and life
insurance business
 Asset quality
performance in the NBFC
 Business has best in
class
S W
 Cost structure in the AMC
business in higher than
peers
 Post-overrun VNB margins
still negative
 Decline in profit
 Not able to generate net
Cash
 Companies with incresing
debt

O T
 Operates in
 High share of
underpenetrated
corporate loan
business segments
exposure,especially in
with huge growth
project finance
potential
 Competition is high
 Tie up with hdfc in the
life insurancebusiness
presentes a huge
growth opportunity

COMPETITION ANALYSIS
 Comparison with competitors

company Last Market cap Sales Net profit Total asset P/E ratio
price (RS Cr) turnover RS Cr
RS Cr
ADITYA BIRLA 64.45 15557.72 199.85 29.85 9457.96 15.86
HDFC 1815.95 314578 58738.92 17769.65 505259.70 14.78
LIC HOUSING 273.40 13797.49 19696.69 2401.84 186926.28 5.19
FIN
INDIABULLS 237.50 10154.88 15407.35 3729.26 113463.50 3.39
HUDCO 27.50 5505.23 5547.64 1180.15 70803 3.75
PNB HOUSING 227.40 3824.57 8478.32 682.31 75683 5.93
FIN
BAJAJ FINSERV 5907.83 94003.99 779.86 666.86 3535.43 27.91

conclusion

The company is present across the lending spectrum which offers a strong
highway to growth, especially for strong challengers. The company’s share in
system loans is small at 0.2%, and it is yet to introduce all products in the
lending business. The existing product portfolio offers strong opportunities,
especially in an environment where a major part of the system is struggling with
capital and asset quality.

Aditya Birla Capital Ltd (ABCL) reported a 44.2 per cent decline in its consolidated
net profit to Rs 144 crore for the fourth quarter of the financial year ended March 2020.
The company had registered a net profit of Rs 258 crore in the corresponding quarter
of the previous financial year.

Revenues during the three months to March 2020 grew to Rs 5,122 crore, from Rs
5,050 crore in the corresponding period of 2018-19.
For the full year 2019-20, net profit increased by 5.6 per cent to Rs 920 crore as against
Rs 871 crore in the previous financial year 2018-19, ABCL said in a regulatory filing.

Income during the year was up by 9 per cent at Rs 18,028 crore, from Rs 16,570 crore
in the previous financial year. ABCL said it raised over Rs 15,000 crore of long-term
funds during the year.

Aditya Birla Capital’s retailisation strategy has led to the active customer base
growing to nearly 20 million, while the overall assets under management (AUM)
across asset management, life insurance and health insurance was over Rs 3 lakh
crore, it said in a statement.

Gross premium across life and health insurance grew to Rs 8,882 crore. The overall
lending book stood under Rs 60,000 crore, it said.

With respect to its non-banking finance business, Aditya Birla Capital said it made
additional coronavirus-related provisions of Rs 163 crores in the fourth quarter of
2019-20.

Aditya Birla Capital is the holding company for the financial services businesses of the
Aditya Birla group. Shares of the company closed 7.97 per cent higher at Rs 65 per
share on the BSE.

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