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.