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Investor Presentaiton

Emphasis on diversification across the NBFC sector NBFCs diversifying funding resources, product portfolio (sectors) and service models Recent Trends Resource diversification Steady increase in NCD issuances Diversification from heavy dependence on bank borrowings Issuance of NCDs by NBFCs almost doubled in FY23 and surpassed the FY20 levels Within NBFCs, retail focused NBFCs and Infrastructure financiers saw healthy growth in NCD issuances Securitisation volumes zoomed to Rs 1.8 Tn in FY23 on account of increase in funding requirement to meet the demand Product portfolio diversification Addition of newer products to drive growth Several NBFCs and HFCs are diversifying the product portfolio or adding new products that could drive growth > NBFCs are focusing on under penetrated segments like affordable housing, small business loans and used vehicles Deep-dive on next page Diversified service models Breaking traditional grid-locks with aid from fintechs Platform Model: Partnerships with fintechs to offer loan products on their platform: For platforms-NBFC expertise in risk assessment, credit scoring, compliance, etc. For NBFCS-platform resources, customer base, newer revenue streams Enabler model: fintech provides technology solutions to NBFCs -cost reduction, improve efficiency and productivity 36 Copyright © 2023 by Boston Consulting Group. All rights reserved.
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