ABCAPITAL

Focus on digital transformation

1. Strong growth across financial services businesses Aditya Birla Capital continues to witness healthy growth across: Lending Asset management Life insurance Health insurance Wealth management 2. NBFC business remains a key earnings driver The lending business continues to grow strongly across: Personal loans SME loans Housing finance Corporate lending Credit demand remains supportive. 3. Asset management business performing well The mutual fund business continues benefiting from: Rising SIP inflows Increased retail participation Growth in equity assets AUM growth remains a key positive. 4. Insurance businesses gaining scale Both life insurance and health insurance segments continue expanding their customer base and premium collections. Insurance penetration trends in India remain favorable for long-term growth. 5. Focus on digital transformation The company continues investing in: Digital lending AI-driven customer solutions Online distribution platforms Data analytics Technology is becoming an increasingly important growth driver. 6. Diversified financial services platform Investors value the company's diversified presence across multiple financial services segments, reducing dependence on any single business. 7. Improving profitability Operational efficiency initiatives and business scale-up are supporting profitability across several verticals. 8. Stock performance