Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	1,952	1,952	1,500	948.65	356.28	202.55
Interest Paid on Deposits	1,076	1,006	789.01	473.69	153.06	95.42
Net Interest Income	1,156	946.46	711.45	474.96	203.22	107.13
Net Interest Income Growth (YoY)	44.28%	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	15,851	16,518	13,283	11,354	9,734	7,714
Total Non-Interest Income	15,851	16,519	13,283	11,350	9,732	7,708
Non-Interest Income Growth (YoY)	6.38%	24.36%	17.03%	16.63%	26.27%	14.48%
Revenues Before Loan Losses	17,007	17,465	13,995	11,825	9,935	7,815
Provision for Loan Losses	158.2	158.2	6.37	-	-	40.22
Revenue	16,849	17,307	13,988	11,825	9,935	7,775
Revenue Growth (YoY)	7.31%	23.72%	18.29%	19.02%	27.79%	14.25%
Salaries and Employee Benefits	2,059	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	689.86	683.06	456.43	387	410.29	333.83
Other Non-Interest Expense	12,133	12,672	10,078	8,550	7,165	5,427
Total Non-Interest Expense	15,967	16,382	13,126	11,175	9,508	7,570
EBT Excluding Unusual Items	881.85	925.35	862.24	650.87	427.41	204.74
Pretax Income	881.85	925.35	862.24	650.87	427.41	204.74
Net Income	802.25	925.35	862.24	650.87	427.41	204.74
Net Income to Common	802.25	925.35	862.24	650.87	427.41	204.74
Net Income Growth	-14.13%	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)	0.14%	0.33%	0.06%	4.01%	2.56%	-
EPS (Basic)	9.64	11.12	10.36	7.82	5.34	2.62
EPS (Diluted)	9.61	11.08	10.36	7.82	5.34	2.62
EPS Growth	-14.25%	6.95%	32.48%	46.44%	103.82%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.