Investor Presentation

Ref: No. ABCL/SD/MUM/2026-27/OCTOBER/110 30 October 2026 BSE Limited National Stock Exchange of India Ltd Phiroze Jeejeebhoy Towers, th Exchange Plaza, 5 Floor, Dalal Street, Plot. C/1, G-Block, Mumbai 400 001 Bandra-Kurla Complex, Bandra (East), Scrip Code: 540691 Mumbai 400 051 Scrip ID: ABCAPITAL Symbol: ABCAPITAL Dear Sir/ Madam, Sub: Intimation under Regulation 30 SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Pursuant to Regulation 30 of the SEBI Listing Regulations, please find attached a presentation on the Unaudited Financial Results of the Company for the quarter and half year ended 30 September 2026 which will be presented to the investors and also posted on our website https://www.adityabirlacapital.com/investor-relations/quarterly-results. The details of conference call scheduled on Friday, 30 October 2026 at 16:30 HRS (IST) have already been intimated vide our letter dated 19 October 2026. The above is for your information, records and dissemination please. Thanking you, Yours sincerely, For Aditya Birla Capital Limited Santosh Haldankar Company Secretary & Compliance Officer Encl.: As above Luxembourg Stock Exchange Citi Bank N.A. Market & Surveillance Dept., Custodial Services P.O. Box 165, L-2011 Luxembourg, FIFC, 11th Floor, C-54 & 55, G Block Grand Duchy of Luxembourg Bandra Kurla Complex Bandra (East), Mumbai 400 051 Citi Bank N.A. Listing Agent Depositary Receipt Services Banque Internationale à Luxembourg SA 388 Greenwich Street 69 route d'Esch 14th Floor, New York, L - 2953 Luxembourg NY 10013 Grand Duchy of Luxembourg Q2 FY27 FINANCIAL RESULTS INVESTOR PRESENTATION October 30, 2026 A Leading Financial Services Conglomerate Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 53.0% 15.8% Aditya Birla Capital Limited (NBFC-ICC) Listed Listed 86% 51% 45% 46% Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100In%surance AMC Insurance Housing Finance Life Insurance Asset Management Standalone Health Insurance Company Listed 100% Aditya Birla Money Aditya Birla ARC Stock & Securities broking Stressed asset platform As of September 2026. Above is not intended to show the complete organizational structure and entities therein. It is intended to describe the key businesses of Aditya Birla Capital. Performance Highlights for Q2 FY27 Consolidated financial performance Revenue1 at ₹ 16,545 Cr (↑ 31% y-o-y) in Q2 FY27 Profit after tax at ₹ 1,288 Cr (↑ 38% y-o-y) in Q2 FY27 Total lending2 portfolio of ₹ 2,33,930 crore (↑ 32% y-o-y & ↑ 7% q-o-q) Total AUM3 of ₹ 12,33,906 Cr (↑ 116% y-o-y) Life insurance first year individual premium of ₹ 2,342 crore (↑ 25% y-o-y) in H1 FY27 Health insurance gross written premium of ₹ 4,543 crore (↑ 48% y-o-y) in H1 FY27 04 1. Consolidated segment revenue; for Ind AS statutory reporting purpose Asset management, wellness business and health insurance are not consolidated and included under equity accounting 2. For NBFC and HFC 3. Asset under management of AMC, Life and Health Insurance Strong growth momentum across businesses Standalone - Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM1 QAAUM Growth2 Premium Growth4 ₹ 1,76,557 crore ₹ 57,373 crore ₹ 4,41,787 crore ₹ 2,09,230 crore Individual FYP Gross Premium 26% y-o-y 50% y-o-y Domestic QAAUM Equity QAAUM 25% y-o-y 48% y-o-y 5% q-o-q 11% q-o-q 4% y-o-y 9% y-o-y Profitability2 Profitability2 Margin & Combined Ratio4 PAT ₹ 1,008 crore PAT ₹ 260 crore Operating Revenue Profit After Tax Net VNB Margin Combined Ratio 41% y-o-y 73% y-o-y ₹ 484 crore ₹ 221 crore 16.1% 107% 2.45% RoA 2.12% RoA 5% y-o-y 8% y-o-y 447 bps y-o-y Credit Quality1 ( GS2+GS3) Quality Persistency & Market Share4 2.31% 0.65% Individual MAAUM3 Folios1 Market Share5 13th month 83% 72 bps y-o-y 45 bps y-o-y ₹ 2,17,740 crore 11.41 mn 14.2% 61st month 61% 12 bps q-o-q 13 bps q-o-q 5% y-o-y 6% y-o-y 70 bps y-o-y 05 1. As of September 30, 2026 2. For Q2 FY27 3. For September 2026 4. For H1 FY27 5. Among SAHI players Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) Q2 FY26 Q2 FY27 Y-o-Y 31% y-o-y 16,545 Lending (excluding HFC) 956 1,352 12,598 12,007 HFC 194 335 73% Asset Management 316 296 Life Insurance 67 85 27% Q2 FY25 Q2 FY26 Q2 FY27 Health Insurance 105 27 74% Profit after tax (₹ cr) Others2 (84) (50) 38% y-o-y Aggregate PBT 1,553 2,046 32% 1,288 934 Less: Provision for Taxes 403 557 Less: Minority Interest 216 201 Profit after tax 934 1,288 38% Q2 FY25 Q2 FY26 Q2 FY27 1. Consolidated segment revenue; for Ind AS statutory reporting purpose Asset management, wellness business and health insurance are not consolidated and included under equity accounting 2. Includes Stock & Securities, ARC Platform, standalone, Aditya Birla Capital Digital, other businesses and elimination Standalone profit & loss statement Profit & Loss Statement FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Q2-o-Q2 Interest income 16,150 3,942 4,631 4,884 7,734 9,515 Fee and other income 1,124 271 370 327 521 697 Total income 17,274 4,213 5,001 5,211 8,254 10,211 24% Interest expense 9,112 2,208 2,645 2,736 4,381 5,382 Net Interest income 8,162 2,005 2,355 2,475 3,874 4,830 23% Dividend income 311 311 - 331 311 331 Employee expenses 1,340 321 431 384 617 815 Other expenses 1,384 390 348 402 656 750 Total expenses 2,724 710 779 786 1,272 1,565 11% Provisions 1,569 379 400 359 778 759 Profit before tax 4,180 1,227 1,177 1,660 2,135 2,837 35% Tax 1,062 311 283 423 543 706 Profit after tax 3,118 916 893 1,237 1,592 2,130 35% Exceptional Items (net of tax) (9) - - - - - Reported profit after tax 3,109 916 893 1,237 1,592 2,130 Return on equity1 15.1% 14.2% 16.2% 15.9% 14.3% 16.7% 07 1. Excluding gain on stake sale and adjusted for dividend income and investments in subsidiaries, JVs and associates Standalone balance sheet and ratios ₹ crore June-26 Sep-26 Loans 1,57,089 1,65,729 Investments 17,859 18,066 Other financial assets 4,108 5,129 Non-financial assets 1,288 1,396 Total assets 1,80,344 1,90,321 Borrowings & debt securities 1,42,798 1,50,402 Other financial liabilities 3,407 4,205 Non-financial liabilities 438 532 Net worth 33,700 35,182 Total liabilities and equity 1,80,344 1,90,321 D/E 4.24 4.28 Tier 1 ratio 15.95% 15.63% Total CRAR 18.82% 18.76% Omnichannel architecture Omnichannel architecture... ABCD-D2C platform for customers Robust & agile Udyog Plus-B2B digital platforms platform for MSMEs B2D platform for channel partners One ABC 1,015 co-located branches Dedicated customer service locations across 258 locations managers for cross sell Experience Channel 2 lakh+ channel Partner partners 1,822 branches across businesses …providing complete flexibility to customers to choose preferred channel of interaction 10 10 UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Progress Digital Platforms ABG ecosystem ~ 2.42 mn (API, WEB & MOBILE) (API, WEB & MOBILE) Registrations ₹ 7,262 Cr Contribution to NBFC’s unsecured business loan book Sourcing from ABG Digital Infrastructure Value added service partners ecosystem (API, WEB & MOBILE) (API, WEB & MOBILE) ABCD: A D2C Omnichannel Platform 1.32 Cr 26+ 59 Lakh Customers acquired till date1 Product categories VPAs created till date1 26+ product categories to serve the Leveraging AI across the customer lifecycle Finance360 needs of customers Lending Intent Generation Personal Loans, Home Loans, Business Loans, Gold ▪ AI-powered contextual nudges Loan, LAP, LRD, LAMF & LAS 01 ▪ SimpliFi chatbot ▪ Voice bot Insurance Health, Life, Motor, General Fulfilment ▪ Agentic AI-led calling Investments 02 ▪ Personalized nudges across middle & bottom funnel Mutual Funds, Digi Metals, Deposits, Stock Broking Payments Customer Experience & Engagement UPI, BBPS, Cards, PPI, UPI Lite, Rupay CC on UPI ▪ Market Pulse—personalised [Showing first 8,000 characters — download PDF for full document]