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NBFC Performance Review: Apr-Nov 2025 (34 chars)

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Board-Level Business Performance Review | April–November 2025 | NBFC Company Objective: To present a management-ready, data-driven business performance review covering Gold Loan, Unsecured Loan, Resources, and Insurance businesses for the period April–November 2025. Follow the exact structure and design brief below: 1️⃣ **Cover Slide** - Title: NBFC Business Performance Review (April–November 2025) - Company name placeholder - Minimal NBFC/finance icon - Design palette: Grey / Beige / Light Blue / White 2️⃣ **Agenda Slide** - Overview of sections: Executive Summary, Product-wise Analysis (Gold Loan, Unsecured Loan, Resources, Insurance), Consolidated Summary, Management Takeaways, Discussion 3️⃣ **Executive Summary** - Overall YTD snapshot (Apr–Nov 2025) - Key highlights: Gold Loan volatility, Unsecured business stress, Resource growth stability, Insurance premium improvement - Key concerns: Weak new customer acquisition, declining PL volume, post-festival redemption impact 4️⃣ **Gold Loan Section** - YTD Trend (Apr–Nov 2025): Pledge count, Disbursement, Income trends - Oct vs Nov 2025: Sharp decline in NCA, pledge count, disbursement; income stable - Positive: Strong income collection, better renewals - Negative: Demand fatigue, redemptions, competition impact - Corrective actions: Lead generation, renewal push, TAT reduction 5️⃣ **Unsecured Loan Section** - YTD Trend: PL & SBL trajectories (volatile PL, improving SBL) - Oct vs Nov: PL collapse, SBL surge, reduced losses - Pros: SBL traction, loss narrowing - Cons: PL volatility, income erosion - Corrective actions: Lead discipline, retention offers, top-ups 6️⃣ **Resources Section** - YTD Trend: Stable debenture flow till Sep, branch-level growth in Nov - Oct vs Nov: +₹2.45 L growth overall - Pros: Sub-debt revival, branch mobilization - Cons: HO-level slowdown, weak large-ticket flow - Corrective actions: HNI pipeline, step-up investments, early renewals 7️⃣ **Insurance Section** - YTD Trend: Strong vehicle & health insurance, declining hospital cash - Oct vs Nov: Premium +₹65,760, customers -46 - Pros: Higher premium mix, strong health insurance - Cons: Weak life insurance, declining Hospi Cash - Corrective actions: Callbacks, add-on bundling, cross-sell to loan customers 8️⃣ **Consolidated Comparison Summary** - Product-wise snapshot: GL (volatile), UL (stressed), Resources (stable), Insurance (premium up) - Visual matrix table showing Oct–Nov comparison 9️⃣ **Key Management Takeaways** - Focus on stable sourcing pipelines - Strengthen renewals and retention - Enhance resource mobilization mix - Revive PL and Life Insurance lines 🔟 **Closing Slide** - Thank You / Discussion prompt - Minimal clean design, board presentation tone Ensure Canva-ready formatting with consistent layout, icons, and charts per slide type.

Board-level data-driven review of NBFC's YTD performance in Gold Loan (volatile), Unsecured Loans (stressed), Resources (stable), and Insurance (premium growth). Covers trends, Oct-Nov shifts, concern

December 16, 202510 slides
Slide 1 of 10

Slide 1 - Cover Slide

This is a cover slide titled "NBFC Business Performance Review (April–November 2025)". The subtitle specifies a board-level review of Gold Loan, Unsecured, Resources, and Insurance sectors.

NBFC Business Performance Review (April–November 2025)

Board-Level Review: Gold Loan, Unsecured, Resources & Insurance

Source: Title: NBFC Business Performance Review (April–November 2025). Company name placeholder. Minimal NBFC/finance icon. Palette: Grey/Beige/Light Blue/White. Context: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Objective: To present a management-ready, data-driven business performance review covering Gold Loan, Unsecured Loan, Resources, and Insurance businesses for the period April–November 2025. Design: Minimal design with finance icon, company name as [Company Name].
Slide 1 - Cover Slide
Slide 2 of 10

Slide 2 - Agenda

The agenda outlines an Executive Summary of YTD highlights and concerns, followed by detailed Product-wise Analysis for Gold Loan, Unsecured Loan, Resources, and Insurance. It concludes with a Consolidated Oct-Nov Summary, Management Takeaways on strategic actions, and an open Discussion for questions and next steps.

Agenda

  1. Executive Summary

    2. YTD snapshot, key highlights & concerns

  2. Product-wise Analysis

    3. Detailed trends for Gold Loan, Unsecured Loan, Resources, Insurance

  3. Consolidated Summary

    4. Oct-Nov comparison across all products

  4. Management Takeaways

    5. Strategic focus areas & corrective actions

  5. Discussion

Open floor for questions & next steps Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
To present a management-ready, data-driven business performance review covering Gold Loan, Unsecured Loan, Resources, and Insurance businesses for the period April–November 2025.
Slide 2 - Agenda
Slide 3 of 10

Slide 3 - Executive Summary

The Executive Summary slide highlights declines of 25% in gold loan disbursements (Oct-Nov dip) and 18% in unsecured loan volumes YTD. It also shows positive trends with +4.2% resources stability growth and insurance premiums rising to ₹65,760 YTD.

Executive Summary

  • 25% ↓: Gold Loan Volatility

    • Oct-Nov disbursement dip

  • 18% ↓: Unsecured Loan Stress

    • PL volume decline YTD

  • +4.2%: Resources Stability

    • Steady growth trajectory

  • ₹65,760 ↑: Insurance Premiums

Strong YTD improvement Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
YTD snapshot (Apr–Nov 2025). Highlights: Gold Loan volatility, Unsecured stress, Resources stability, Insurance premium up. Concerns: Weak NCA, declining PL, post-festival redemptions.
Slide 3 - Executive Summary
Slide 4 of 10

Slide 4 - Gold Loan Section

Gold Loan trends show YTD declines in pledge count and disbursement with stable income, plus a sharp drop from Oct to Nov in NCA, pledges, and disbursement. Positives include strong collections and renewals, while negatives cite demand fatigue, redemptions, and competition; actions focus on lead generation, renewal push, and TAT reduction.

Gold Loan Section

  • YTD Trends: Declining pledge count & disbursement; stable income
  • Oct vs Nov: Sharp decline in NCA, pledges, disbursement; income stable
  • Positives: Strong collections & renewals
  • Negatives: Demand fatigue, redemptions, competition
  • Actions: Lead generation, renewal push, TAT reduction

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Emphasize YTD decline, Oct-Nov drop, positives in collections/renewals, negatives, and key actions.
Slide 4 - Gold Loan Section
Slide 5 of 10

Slide 5 - Unsecured Loan Section

The Unsecured Loan section highlights volatile YTD P&L trends with improving SBL, including a P&L collapse and SBL surge in Oct-Nov that reduced losses. Strengths include SBL traction and narrowing losses, challenges are P&L volatility and income erosion, with actions focusing on lead discipline, retention, and top-ups.

Unsecured Loan Section

  • YTD Trends: Volatile PL, improving SBL
  • Oct-Nov: PL collapse, SBL surge, losses ↓
  • Strengths: SBL traction, loss narrowing
  • Challenges: PL volatility, income erosion
  • Actions: Lead discipline, retention, top-ups

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Year-to-date shows volatile personal loans (PL) with improving small business loans (SBL). October to November: PL collapsed, SBL surged, losses reduced. Strengths: SBL traction, narrowing losses. Challenges: PL volatility, income erosion. Actions: Lead discipline, retention offers, top-ups.
Slide 5 - Unsecured Loan Section
Slide 6 of 10

Slide 6 - Resources Section

The Resources Section slide reports stable debentures YTD through September with November branch growth, plus ₹2.45L overall increase from October to November. It notes strengths in sub-debt revival and branch mobilization, challenges from HO slowdown and weak large tickets, and actions like HNI pipeline, step-up investments, and early renewals.

Resources Section

  • YTD Trend: Stable debentures till Sep; Nov branch growth
  • Oct vs Nov: +₹2.45L overall growth
  • Strengths: Sub-debt revival, branch mobilization
  • Challenges: HO slowdown, weak large tickets
  • Actions: HNI pipeline, step-up investments, early renewals

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Highlight YTD stability, Oct-Nov growth, pros/cons, and corrective actions.
Slide 6 - Resources Section
Slide 7 of 10

Slide 7 - Insurance Section

Year-to-date insurance performance is strong in vehicle and health but declining in Hospital Cash, with premiums up ₹65,760 from October to November despite 46 fewer customers. Pros include a better premium mix and strong health, while cons feature weak life insurance and Hospital Cash drops; recommended actions are callbacks, bundling, and loan cross-sell.

Insurance Section

  • YTD: Strong vehicle/health; declining Hospi Cash
  • Oct vs Nov: Premiums +₹65,760; customers -46
  • Pros: Better premium mix; strong health
  • Cons: Weak life insurance; Hospi Cash drop
  • Actions: Callbacks, bundling, loan cross-sell

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Highlight YTD strengths in vehicle/health insurance amid Hospi Cash decline. Note Oct-Nov premium growth despite customer drop. Emphasize pros in mix/health, cons in life/Hospi Cash. Stress actions: callbacks, bundling, cross-sell to loans.
Slide 7 - Insurance Section
Slide 8 of 10

Slide 8 - Consolidated Comparison Summary

This table summarizes Oct-Nov changes in volume/key metrics, income/premium, and status across Gold Loan, Unsecured Loan, Resources, and Insurance products. Gold Loan volumes plunged sharply (volatile) with stable income; Unsecured Loans showed mixed shifts and erosion (stressed); Resources grew overall (stable); Insurance lost customers but premium rose.

Consolidated Comparison Summary

{ "headers": [ "Product", "Oct-Nov Δ (Volume/Key Metric)", "Oct-Nov Δ (Income/Premium)", "Status" ], "rows": [ [ "Gold Loan", "↓ Pledge/Disb. (Sharp)", "Stable", "Volatile" ], [ "Unsecured Loan", "PL ↓ Collapse, SBL ↑ Surge", "↓ Erosion", "Stressed" ], [ "Resources", "↑ ₹2.45L Overall", "↑ Growth", "Stable" ], [ "Insurance", "↓ Customers (-46)", "↑ ₹65,760", "Premium Up" ] ] }

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Speaker Notes
Emphasize GL volatility and UL stress; highlight Resources stability and Insurance premium growth. Use for quick product snapshot.
Slide 8 - Consolidated Comparison Summary
Slide 9 of 10

Slide 9 - Key Management Takeaways

The "Key Management Takeaways" slide outlines four priorities: prioritizing stable sourcing pipelines and strengthening renewals and retention. It also calls for optimizing the resource mobilization mix and reviving Personal Loan and Life Insurance.

Key Management Takeaways

  • Prioritize stable sourcing pipelines
  • Strengthen renewals and retention
  • Optimize resource mobilization mix
  • Revive Personal Loan and Life Insurance

Source: Board-Level Business Performance Review | April–November 2025 | NBFC Company

Slide 9 - Key Management Takeaways
Slide 10 of 10

Slide 10 - Thank You

This conclusion slide, titled "Thank You," displays the main text "Thank you for your attention." The subtitle invites an "Open floor for questions and discussion."

Thank You

Thank you for your attention.

Open floor for questions and discussion.

Source: NBFC Business Performance Review | April–November 2025

Speaker Notes
Pause for Q&A and board discussion.
Slide 10 - Thank You

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