L&T Finance Community

Key Takeaways Expanding digital initiatives, partnerships, and AI-driven credit processes are driving down costs, growing new customer segments, and enhancing profitability. Strengthening rural demand, successful gold loan integration, and improved global funding access are supporting diversified, stable loan growth and earnings.

Key Takeaways Rapid improvements in credit costs, digital partnerships, and cross-selling in new geographies are set to drive superior margins, revenues, and scalable loan growth. Resolution of legacy assets has the potential to generate significant unmodeled cash flows, enabling higher provisions or shareholder payouts, further enhancing profitability.