Investor Presentation

Ref: No. ABCL/SD/MUM/2026-27/JULY/64 31 July 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 ended 30 June 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, 31 July 2026 at 16:30 HRS (IST) have already been intimated vide our letter dated 21 July 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 Q1 FY27 FINANCIAL RESULTS INVESTOR PRESENTATION July 31, 2026 A Leading Financial Services Conglomerate Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 53.1% 15.7% 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 June 30, 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 Q1 FY27 Consolidated financial performance for Q1 FY27 Revenue1 at ₹ 14,731 Cr (↑ 29% y-o-y) Profit after tax at ₹ 1,175 Cr (↑ 40% y-o-y) Total lending2 portfolio of ₹ 2,19,289 crore (↑ 32% y-o-y & ↑ 6% q-o-q) Total AUM3 of ₹ 7,52,745 Cr (↑ 36% y-o-y) Life insurance first year individual premium of ₹ 952 crore (↑ 20% y-o-y) Health insurance gross written premium of ₹ 2,196 crore (↑ 50% y-o-y) 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 in Q1 FY27 Standalone - Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM1 QAAUM Growth Premium Growth ₹ 1,67,456 crore ₹ 51,833 crore ₹ 4,27,675 crore ₹ 1,98,722 crore Individual FYP Gross Premium 28% y-o-y 50% y-o-y Domestic QAAUM Equity QAAUM 20% y-o-y 50% y-o-y 5% q-o-q 9% q-o-q 6% y-o-y 10% y-o-y Profitability Profitability Margin & Combined Ratio PAT ₹ 927 crore PAT ₹ 233 crore Operating Revenue Profit After Tax Net VNB Margin Combined Ratio 35% y-o-y 96% y-o-y ₹ 463 crore ₹ 309 crore 15.1% 106% 2.39% RoA 2.12% RoA 3% y-o-y 12% y-o-y 756 bps y-o-y (Q1 FY26: 107%) Credit Quality1 ( GS3) Quality Persistency & Market Share 1.30% 0.41% Individual MAAUM2 Folios1 Market Share3 13th month 83% 97 bps y-o-y 22 bps y-o-y ₹ 2,10,606 crore 11.11 mn 16.2% 61st month 59% 3 bps q-o-q 3 bps q-o-q 3% y-o-y 3% y-o-y 200 bps y-o-y 05 1. As of June 30, 2026 2. For June 2026 3.Among SAHI players Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) Q1 FY26 Q1 FY27 Y-o-Y 29% y-o-y Lending (excluding HFC) 925 1,222 14,731 32% 11,388 10,274 HFC 154 300 95% Asset Management 372 406 Life Insurance 39 61 58% Q1 FY25 Q1 FY26 Q1 FY27 Health Insurance (28) 18 Profit after tax (₹ cr) Others2 (48) (90) 40% y-o-y Aggregate PBT 1,414 1,917 36% 1,175 Less: Provision for Taxes 423 514 Less: Minority Interest 152 228 Profit after tax 839 1,175 40% Q1 FY25 Q1 FY26 Q1 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 Q1 FY26 Q4 FY26 Q1 FY27 Y-o-Y Interest income 16,150 3,792 4,300 4,631 Fee and other income 1,124 249 284 370 Total income 17,274 4,042 4,584 5,001 24% Interest expense 9,112 2,173 2,409 2,645 Net Interest income 8,162 1,869 2,174 2,355 Dividend income 311 - 0 - Employee expenses 1,340 296 365 431 Other expenses 1,384 266 398 348 Total expenses 2,724 562 763 779 39% Provisions 1,569 399 369 400 Profit before tax 4,180 908 1,043 1,177 30% Tax 1,062 232 266 283 Profit after tax 3,118 676 777 893 Gain on sale of stake in subsidiaries/associates/Exceptional Items (9) - 0 - (net of tax) Reported profit after tax 3,109 676 777 893 Return on equity1 15.1% 14.4% 15.8% 16.2% 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 Mar-26 June-26 Loans 1,50,635 1,57,089 Investments 16,691 17,859 Other financial assets 2,010 4,108 Non-financial assets 1,250 1,288 Total assets 1,70,586 1,80,344 Borrowings & debt securities 1,38,415 1,42,798 Other financial liabilities 2,990 3,407 Non-financial liabilities 480 438 Net worth 28,701 33,700 Total liabilities and equity 1,70,586 1,80,344 D/E 4.82 4.24 Tier 1 ratio 13.82% 15.95% Total CRAR 16.79% 18.82% 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 1,017 co-located branches Dedicated customer service locations across 258 locations managers for cross sell Experience Channel 2 lakh+ channel Partner partners 1,759 branches across businesses …providing complete flexibility to customers to choose preferred channel of interaction 10 10 ABCD: A D2C Omnichannel Platform 1.2 Cr 26+ 50 Lakh+ Key Highlights Customers* Product Categories VPAs Created* Multi-AMC stack with 16 Asset management companies (AMCs) Multi-lender gold loan journey AI-led personal finance capabilities through Market Pulse and Portfolio Insights, helping customers move from information to action. *As of 30th Jun’26 UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Progress Digital Platforms ABG ecosystem ~ 2.42 mn (API, WEB & MOBILE) (API, WEB & MOBILE) Registrations ₹ 6,229 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) B2D Platform:: Stellar Go –Digital – Complete CRM 4 U – Manage the lead One view – Earning & Sales enablement tool on the Go Commission SELECT – Point , Rewards Learning & Training – Shortfall Calculator Finwise+ & Sales Reels Application tracker – LI Quick access to LOB Onboarding Seamlessly Policy & Finverse application into LOBs Unified distributor experience Increase distributor engagements Enhance productivity & cross sell Building ABCL as a Frontier AI Organisation AI for Underwriting & AI for Top of the funnel AI based Voice bots AI for Sales Productivity Operations Customer engagement • Agenti [Showing first 8,000 characters — download PDF for full document]