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NBFC Business Performance Review | April–December 2025 | Condensed 8-Slide Version Objective: Deliver a concise, board-ready summary of NBFC performance covering Gold Loan, Unsecured Loan, Resources, and Insurance businesses. Slide Structure: 1️⃣ **Cover Slide** - Title: NBFC Business Performance Review - Period: April–December 2025 - Company Name placeholder - Minimal finance-themed icon, Grey/Beige/Light Blue design 2️⃣ **Executive Summary: Key Performance Indicators** - Consolidated snapshot across all 4 products - Key YTD figures: stability, volatility, and directional trends 3️⃣ **Key Insights & Areas of Concern** - Highlights (strong income, SBL traction, insurance premium growth) - Concerns (GL volatility, PL slowdown, HO debenture drop, weak life insurance) 4️⃣ **Gold Loan & Unsecured Loan Trends (Oct–Dec 2025)** - Gold Loan: Pledge Count 1,155→889→838; Income up ₹20.97L→₹28.59L - Unsecured Loan: PL crash then partial recovery; SBL spike in Nov - Key takeaway: Income stability vs sourcing stress 5️⃣ **Resources & Insurance Trends (Oct–Dec 2025)** - Resources: Debenture stable (~₹95L), Sub-debt rising ₹8.05L→₹22.65L - Insurance: Premium steady ₹7.37L→₹8.03L→₹4.86L; health & vehicle lead 6️⃣ **Variance Drivers (Oct–Dec 2025)** - Internal: Weak lead flow, incentive misalignment, focus shift - External: Post-festive demand dip, gold price swings, fintech competition 7️⃣ **SWOT Analysis & Summary** - Strengths: Gold & vehicle portfolios, branch network - Weaknesses: PL volatility, life insurance gap - Opportunities: HNI debenture pipeline, health insurance upsell - Threats: Competition, liquidity shifts, customer churn 8️⃣ **Way Forward & January 2026 Priorities** - Boost GL/PL sourcing (2–3 leads/staff/day) - Renewals focus to avoid negative business - Strengthen HNI investor pipeline - Drive life & health insurance cross-sell Design Guidelines: Clean, board-level layout; subtle icons; consistent color palette; Canva-ready formatting.
8-slide board summary of NBFC results across Gold Loan, Unsecured, Resources & Insurance. Highlights income stability & SBL growth; flags GL volatility, PL slowdown. Includes trends, drivers, SWOT & J
This title slide presents the "NBFC Business Performance Review" for the period April–December 2025. It is a condensed 8-slide board summary.
Condensed 8-Slide Board Summary
Source: [Company Name]
The slide highlights key Q4 performance peaks, including Gold Loan income reaching ₹28.59L (up from ₹20.97L) and Insurance Premium at ₹8.03L for steady health/vehicle segments. It also notes Resources Debenture stability at ~₹95L monthly and strong Sub-debt growth of +₹22.65L from ₹8.05L.
Q4 monthly high, up from ₹20.97L
Consistent ~₹95L monthly across Q4
Rising from ₹8.05L, strong trajectory
Steady health/vehicle, Q4 high Source: NBFC Business Performance Review | April–December 2025
Key Insights & Areas of Concern: The slide highlights strong income growth, solid Secured Business Loan traction, and robust insurance premium expansion. It raises concerns over Gold Loan portfolio volatility, Personal Loan growth slowdown, HO debenture mobilization drop, and weak life insurance performance.
| Key Highlights | Areas of Concern |
|---|
| • Strong overall income growth
Source: NBFC Business Performance Review | April–December 2025
In Oct-Dec 2025, Gold Loan pledges peaked at 1,155 in October with ₹20.97L income, dropped to 889 in November amid an unsecured Personal Loan crash and SBL spike with income rising to ₹28.59L, and hit a low of 838 in December despite stable income. Unsecured PL remained steady pre-crash in October before crashing and partially recovering in November.
Oct 2025: GL Pledges Peak at 1,155 Gold Loan pledges start high at 1,155; income ₹20.97L. Unsecured PL steady pre-crash. Nov 2025: Unsecured PL Crash, SBL Spike PL crashes then partial recovery; SBL spikes sharply. GL pledges drop to 889, income rises to ₹28.59L. Dec 2025: GL Pledges Hit 838 Low GL sourcing stress continues to 838 pledges. Income remains stable despite volume decline.
Source: NBFC Business Performance Review | April–December 2025
In Oct–Dec 2025, resources remain steady with debentures stable at ~₹95L, while sub-debt grows from ₹8.05L in October to ₹22.65L in November. Insurance premiums peak at ₹8.03L in November driven by health and vehicle policies before dipping to ₹4.86L in December, which continues to dominate trends.
Oct 2025: Debenture Stable at ~₹95L Resources steady; Sub-debt starts at ₹8.05L. Insurance premium at ₹7.37L. Nov 2025: Sub-debt Rises to ₹22.65L Strong growth in sub-debt. Insurance premium peaks at ₹8.03L, health/vehicle lead. Dec 2025: Insurance Premium Dips to ₹4.86L Premium declines; health and vehicle insurance continue to dominate trends.
Source: NBFC Business Performance Review | April–December 2025
Variance drivers for Oct–Dec 2025 include internal factors like weak lead flow, incentive misalignment, and focus shift. External factors encompass a post-festive demand dip, gold price swings, and intensified fintech competition.
Source: NBFC Business Performance Review | April–December 2025
The slide presents a SWOT analysis in a feature grid format, highlighting core strengths like gold/vehicle portfolios and branch networks for stability. It also covers key weaknesses such as PL volatility and life insurance gaps, growth opportunities in HNI debentures and health insurance, plus major threats from competition, liquidity shifts, and customer churn.
Source: NBFC Business Performance Review | April–December 2025
The slide outlines key priorities for January 2026, focusing on boosting GL/PL sourcing to 2-3 leads per staff per day and prioritizing renewals to avoid negative business. It also emphasizes strengthening the HNI investor pipeline and driving life/health insurance cross-sell opportunities.
Source: NBFC Business Performance Review | April–December 2025
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