Investor Presentation

Here is the summary of the financial results for the quarter: **1. Financial Highlights:** Consolidated revenue hit `11,333 Cr` (+10% YoY) and PAT `835 Cr` (+10% YoY). Total lending portfolio grew 30% YoY to `1,65,832 Cr`, with total AUM up 20% YoY to `5,53,504 Cr`. NBFC and Housing Finance improved asset quality significantly.

Life Insurance saw 23% YoY individual premium growth, and Health Insurance GWP rose 30% YoY with a combined ratio of 111%. **2. Strategic Initiatives & Growth Drivers:** Growth is propelled by an omnichannel strategy, leveraging digital platforms: ABCD (D2C), Udyog Plus (MSME B2B), and ABC Stellar (B2D). Targets include RoA expansion in Housing Finance and strong CAGR in Life Insurance individual premiums, alongside VNB margin growth. **3. Business Developments:** Life Insurance launched new value-accretive products, "Akshaya Par Plan" and "Super Term Plan." Health Insurance expanded its distribution network via a new partnership with Bank of India. **4. Market Position & Competitive Advantage:** The diversified platform holds a strong market position, notably in Health Insurance, leading market accretion this quarter and boosting its share to 14.5%. Digital adoption and robust risk management provide a distinct competitive advantage. **5. Investor Implications:** The firm shows solid operating performance and asset quality improvement across segments.

Ongoing digital investments and strategic partnerships indicate positive growth potential.