Future Outlook:
NBFC segment:
• New disbursement opening up with caution.
• Continued focus on cross-sell and leveraging synergies cross Aditya Birla Capital and Aditya Birla Group.
• Branch expansion in tier III-IV markets in H2FY 21, post assessment of macro-economic scenario.
• Building cost efficiencies with scale and opex rationalization.
• Maintain adequate liquidity and well-matched ALM profile.
• Automated and analytics-driven collections; dedicated focus on settlements/recoveries across products.
Housing Finance:
• Start business operation with caution and focus on risk adjusted returns.
• Focus on upsell/cross-sell; curating pre-approved offers for customers through analytics.
• Strong focus on collections with AI-Voice bots and analytics-based risk segmentation.
• Focus on increasing digital onboarding and customer services.
• Leveraging technology to save cost of acquisition, control on opex.
Asset Management Company:
• Continue to expand footprint in B-30 cities through branch expansion, tie-ups with large ecosystem and
digital partnership.
• Enhance customer engagement activitiesto make service a differentiator.
• Increase active Independent Financial Advisors’ (IFAs).
Life Insurance Segment:
• Balanced channel and product mix.
• Acquire new distribution partners while strengthening existing ones.
Health Insurance:
• Focus on driving productivity in existing capacities, in addition to creating new capacities.
• Differentiated value proposition to our customers.
• Continue to invest in service and health management.
NBFC segment:
• New disbursement opening up with caution.
• Continued focus on cross-sell and leveraging synergies cross Aditya Birla Capital and Aditya Birla Group.
• Branch expansion in tier III-IV markets in H2FY 21, post assessment of macro-economic scenario.
• Building cost efficiencies with scale and opex rationalization.
• Maintain adequate liquidity and well-matched ALM profile.
• Automated and analytics-driven collections; dedicated focus on settlements/recoveries across products.
Housing Finance:
• Start business operation with caution and focus on risk adjusted returns.
• Focus on upsell/cross-sell; curating pre-approved offers for customers through analytics.
• Strong focus on collections with AI-Voice bots and analytics-based risk segmentation.
• Focus on increasing digital onboarding and customer services.
• Leveraging technology to save cost of acquisition, control on opex.
Asset Management Company:
• Continue to expand footprint in B-30 cities through branch expansion, tie-ups with large ecosystem and
digital partnership.
• Enhance customer engagement activitiesto make service a differentiator.
• Increase active Independent Financial Advisors’ (IFAs).
Life Insurance Segment:
• Balanced channel and product mix.
• Acquire new distribution partners while strengthening existing ones.
Health Insurance:
• Focus on driving productivity in existing capacities, in addition to creating new capacities.
• Differentiated value proposition to our customers.
• Continue to invest in service and health management.