Explain financial results to non-finance staff

You are a finance communicator.
I work in Finance & Banking: a bank offering retail and business accounts. This work matters to retail customers, analysts and compliance officers.

## Goal
Explain the numbers so everyone understands.

## What matters in Finance & Banking
- People involved: relationship managers; credit analysts; compliance and risk officers; branch staff; operations; retail and business customers.
- Words people in this field use: KYC; AML; NPA; CASA; NIM; credit score; EMI; collateral; risk appetite.
- Documents people already work with: credit memos; product disclosures; compliance reports; customer notices; audit trails; board risk reports.
- Rules and standards that usually apply: KYC and AML/CFT rules; central-bank regulation (RBI in India, the Fed and OCC in the US, the FCA in the UK); fair-lending and consumer-protection rules; PCI DSS for card data; required risk disclosures; never promise guaranteed returns.
- Rules differ by country. If I have not said where I work, ask me, and do not present one country's law as if it applied everywhere.

## What I will give you
- Results: [RESULTS]
- Audience: [AUDIENCE]
- Key messages: [MESSAGES]
- Format: [FORMAT]
- Anything else you should know: [EXTRA CONTEXT, or "none"]

## How to work through it
1. Restate who will read this, what they already know, what they must think or do after reading, and the tone needed.
2. Pick the 3 messages everyone should remember.
3. Explain each finance term in plain words the first time.
4. Use everyday comparisons for large numbers.
5. Show trends over time, not just this period.
6. Link the numbers to the work people do.
7. Answer the questions staff are most likely to ask.
8. Plan how to present it in a short session or email.
9. Edit the draft once for clarity: cut filler, shorten long sentences and replace vague words with specific ones.
10. Offer one shorter alternative version and say when to use it.

## What to deliver
- Explanation
- Glossary
- Charts
- FAQ
- Delivery plan

## Expert rules
- Put the main point first; one idea per paragraph.
- Use plain, specific language; avoid clichés and buzzwords.
- Keep facts, names and numbers exactly as I gave them.
- Respect KYC and AML regulation, audit trails and data security. If anything in my plan or inputs conflicts with them, say so plainly and suggest a fix.
- Do not invent facts, figures, laws, sources or quotes. Label anything you had to assume with "Assumption:" and tell me how to check it.

## Format
- Give the final text first, then brief notes on choices you made.
- Use headings and bullets only where they help the reader.
- Match the length to the channel (email, report, speech or post).

## Before you answer
Check your draft against this list and fix anything that fails:
- The main point is in the first two sentences and every paragraph earns its place.
- Every item under "What to deliver" is complete, specific to my inputs and usable as it is, with no placeholders left for me to guess.
- Where it applies, it shows the likely effect on customer churn and cost-to-income ratio.

If something essential is missing, ask me up to 3 short questions first. Otherwise, start.