The Company assumes no responsibility to publicly amend, modify or revise any statement, on the basis of any subsequent development, information or events, or otherwise. recording a growth of 3%. Ltd. consolidated based on equity accounting under Ind AS, Consolidated Revenue shown above includes revenues from these two businesses on a 100 per cent basis to show holistic financial performance. It is classified as operating in the Chemical Manufacturing industry. driven by superior performance of the Company’s subsidiaries, UltraTech Cement Limited and Aditya Birla Capital Limited. LIC) increased 125 bps year on year to 4. Consolidated EBITDA at Rs 3,180 Cr. Actual results could differ materially from those expressed or implied. This 'Press Release' does not constitute a prospectus, offering circular or offering memorandum or an offer to acquire any shares and should not be considered as a recommendation that any investor should subscribe for or purchase any of the Company’s shares. Aditya Birla Management Corporation Private Limited, Lending book (NBFC and Housing Finance) grew 23 per cent year on year to Rs63,119 crores vs. Rs51,379 crores in the previous year, Overall lending book is backed by well-matched asset and liability mix and adequate liquidity pipeline to meet growth requirement, Raised about Rs11,000 crores of long-term funds during H2 FY 19 despite liquidity headwinds across industry, Continue to maintain robust quality of book, Loan book grew by 20 per cent year on year to Rs51,714 crores, Net Interest Margin expanded by 37 bps year on year to 4.91 per cent, as a result of SME, Retail and HNI businesses increasing to 50 per cent, Profit before tax grew 26 per cent year on year to Rs1,328 crores, Loan book grew 40 per cent year on year to Rs11,405 crores while maintaining healthy Net Interest Margins at 3.1 per cent; Affordable lending book grew 4 times to Rs1,500 crores, Profit before tax grew 3x year on year to Rs107 crores, Cost to income ratio improved to 61 per cent, as compared to 71 per cent in previous year led by scale and operating efficiencies, Individual First Year Premium (FYP) grew a significant 60 per cent year on year, as against 9 per cent for the industry (excl. The carbon black is the flagship business of the Aditya Birla Group. Birla Carbon's Annual Report & Profile shows critical firmographic facts: Aditya Birla Management Corporation Private Limited, Profit after Tax (after minority interest), Overall lending book (NBFC and Housing Finance) at Rs.60,123 Crores, NBFC and HFC have optimised asset and liability mix with adequate liquidity to meet growth requirements, Raised approximately Rs.11,000 Crores of long-term funds during the nine months, Continue to have strong focus on quality and reduced ticket sizes across the board, Loan book at Rs.47,933 Crores with Retail book growing by 30 per cent y-o-y, Marginal drop in profitability in a challenging market environment, Net Interest Margin expanded by 41 bps year on year to 5.24 per cent, Loan book grew y-o-y by 13 per cent to Rs.12,190 Crores while maintaining Net Interest Margin at 3 per cent, Cost to Income Ratio improved to 49 per cent, as compared to 58 per cent in previous year led by scale and operating efficiencies, Affordable loan book has grown significantly with 1.8x growth y-o-y, Quarterly profit after tax grew 31 per cent year on year to Rs.27 Crores, Total gross premium of life insurance and health insurance grew 18 per cent year on year to Rs.2,366 Crores, Delivering on stated strategy of profitable growth with improvement in quality, Individual First Year Premium (FYP) grew 14 per cent year on year in nine months, maintaining market share, Consistent improvement in quality with 13th month persistency improving by 562 bps year on year to 80.9 per cent, Net value of new business (VNB) for the quarter grew 2x to 10.4 per cent compared to 5.2 per cent in previous year, Continue to focus on balanced channel and product mix for value creation, Gross written premium at Rs.547 Crores in nine months, a growth of 73 per cent over the previous year with retail business contributing 71 per cent, Covering more than 6.5 million lives out of which 3.8 million lives through micro products, Business continues to build scale with significant improvement in combined ratio during nine months at 142 per cent vs. 160 per cent in the previous year, Total average assets under management (AAUM) at our Mutual Fund was Rs.2,65,475 Crores, Domestic equity AAUM grew 6 per cent year on year contributing 37 per cent of overall domestic AAUM, Quarterly profit after tax grew 19 per cent year on year to Rs.130 Crores, Keeping its focus on expanding its retail presence, we added 53 locations over the last one year to build a presence across 310 locations.