• Q4 financial performance: The company posted an 81% surge in profit alongside a 17% increase in net interest income.
• Credit cost outlook: After achieving the lowest credit costs in the NBFC industry last year, management expects credit costs to remain low, supported by GenAI tools and predictive data scorecards.
• West Asia crisis: Weekly risk assessments show no portfolio-wide impact from the crisis, though the company has adopted a conservative lending stance in select MSME segments.
• Motor finance profitability: The motor finance business broke even in Q3 and achieved profitability in Q4, with strong book growth planned for next year.
• Retail unsecured expansion: With unsecured credit costs declining significantly and new portfolios demonstrating strong profitability, retail unsecured lending is targeted to outpace overall loan book growth.