Fino Payments Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	1,952	1,952	1,500	948.65	356.28	202.55
Interest Paid on Deposits	1,114	1,006	789.01	473.69	153.06	95.42
Net Interest Income	1,255	946.46	711.45	474.96	203.22	107.13
Net Interest Income Growth (YoY)	45.43%	33.03%	49.79%	133.72%	89.69%	29.67%
Gain (Loss) on Sale of Assets	0.32	0.32	0.13	-0.17	-3.3	-6.37
Gain (Loss) on Sale of Investments	-	-	-	-3.02	1.09	-
Other Non-Interest Income	15,046	16,518	13,283	11,354	9,734	7,714
Total Non-Interest Income	15,046	16,519	13,283	11,350	9,732	7,708
Non-Interest Income Growth (YoY)	-4.23%	24.36%	17.03%	16.63%	26.27%	14.48%
Revenues Before Loan Losses	16,300	17,465	13,995	11,825	9,935	7,815
Provision for Loan Losses	158.2	158.2	6.37	-	-	40.22
Revenue	16,142	17,307	13,988	11,825	9,935	7,775
Revenue Growth (YoY)	-2.60%	23.72%	18.29%	19.02%	27.79%	14.25%
Salaries and Employee Benefits	2,069	1,942	1,730	1,480	1,301	1,147
Occupancy Expenses	960.64	960.64	817.63	681.14	599.72	661.53
Selling, General & Administrative	683.06	683.06	456.43	387	410.29	333.83
Other Non-Interest Expense	11,502	12,672	10,078	8,550	7,165	5,427
Total Non-Interest Expense	15,339	16,382	13,126	11,175	9,508	7,570
EBT Excluding Unusual Items	802.85	925.35	862.24	650.87	427.41	204.74
Pretax Income	771.85	925.35	862.24	650.87	427.41	204.74
Net Income	693.55	925.35	862.24	650.87	427.41	204.74
Net Income to Common	693.55	925.35	862.24	650.87	427.41	204.74
Net Income Growth	-26.01%	7.32%	32.48%	52.28%	108.75%	-
Basic Shares Outstanding	83	83	83	83	80	78
Diluted Shares Outstanding	83	84	83	83	80	78
Shares Change (YoY)	-0.15%	0.33%	0.06%	4.01%	2.56%	-
EPS (Basic)	8.34	11.12	10.36	7.82	5.34	2.62
EPS (Diluted)	8.32	11.08	10.36	7.82	5.34	2.62
EPS Growth	-25.90%	6.95%	32.48%	46.44%	103.82%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.