Examining the shifting financial landscapes, lending entities persistently pursue enduring expansion. As we traverse this ever-changing terrain, the importance of attaining preset objectives grows more evident, driven by a blend of strategic foresight and adaptability in operations. Leading this ambitious venture is Abhay Bhutada, Managing Director of Poonawalla Fincorp, whose steadfast assurance acts as a guiding light steering the institution's path forward.

1. Abhay Bhutada’s Guidance On
Loan Growth And Interest
Margins For FY 2024 And FY
2025
Gajodhar Sharma

2. The problem INTRODUCTION
Examining the shifting financial landscapes, lending entities persistently pursue enduring
expansion. As we traverse this ever-changing terrain, the importance of attaining preset
objectives grows more evident, driven by a blend of strategic foresight and adaptability in
operations. Leading this ambitious venture is Abhay Bhutada, Managing Director of
Poonawalla Fincorp, whose steadfast assurance acts as a guiding light steering the
institution's path forward.

3. The problem Forecasting AUM Growth
Central to the institution's growth saga is the crucial significance of Net Interest Margins
(NIMs), a pivotal measure acting as a gauge for both financial strength and operational
efficiency. The remarkable attainment of NIMs, reaching an impressive 11.02 percent,
subtly exceeding the projected threshold of 10 percent within a stable setting, eloquently
attests to the institution's skillfulness in navigating interest rate complexities and adeptly
maneuvering through market volatilities. This outstanding achievement not only
highlights the institution's resilience but also its strategic prowess in leveraging interest
rate differentials to its benefit.

4. The problem
The noteworthy aspect of this accomplishment is the intentional focus placed on NIMs'
performance, as emphasized by Abhay Bhutada during crucial shareholder gatherings.
Such emphasis not only emphasizes the institution's dedication to transparency but also
strengthens its strategic priorities, thereby fostering trust among stakeholders regarding
the effectiveness of growth endeavors. Bhutada's proactive communication regarding the
importance of NIMs demonstrates leadership deeply committed to aligning operational
performance with strategic goals, ultimately guiding the institution towards sustainable
growth and the creation of long-term value.

5. Managing Net Interest Margins (NIMs)
In the quest for expansion, it is crucial to
maintain a unwavering attention to risk
management. This forms the core of the
institution's strategy - a purposeful emphasis
on the credit risk sector, marked by
customers with proven credit histories and
high bureau scores. This focused strategy not
only helps to mitigate inherent risks but also
resonates with the principles of prudent
lending.

6. The problem
Furthermore, the institution's approach goes beyond simply chasing profit margins; it
embraces a comprehensive outlook that considers risk-adjusted returns. This nuanced
strategy is reflected in the metric of Return on Assets (ROA), a vital measure of
profitability that takes into account the inherent risk associated with the institution's
asset portfolio. Abhay Bhutada's advocacy for prioritizing risk-adjusted returns during
internal strategy discussions underscores the leadership's strategic foresight and
dedication to advancing sustainable growth initiatives.
Emphasizing Risk Management

7. Prioritizing Risk-Adjusted Returns
The path to attaining and maintaining growth
in AUM (Assets Under Management) is
complex, driven by a combination of strategic
priorities and operational proficiency. It
requires a careful equilibrium between
ambitious expansion and cautious risk
management, informed by a nuanced
comprehension of market intricacies and
customer demographics. As the institution
navigates its future trajectory, the leadership
of Abhay Bhutada remains essential, guiding
the organization towards its overarching
goals and ensuring adaptability amidst
changing circumstances.

8. Thank you