Fino Payments Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	0.2	1,952	1,500	948.65	356.28
Interest Income on Investments	2,482	-	-	-	-
Total Interest Income	2,482	1,952	1,500	948.65	356.28
Interest Paid on Deposits	1,143	1,006	789.01	473.69	153.06
Net Interest Income	1,339	946.46	711.45	474.96	203.22
Net Interest Income Growth (YoY)	41.48%	33.03%	49.79%	133.72%	89.69%
Gain (Loss) on Sale of Assets	-	0.32	0.13	-0.17	-3.3
Gain (Loss) on Sale of Investments	-	-	-	-3.02	1.09
Other Non-Interest Income	13,398	16,518	13,283	11,354	9,734
Total Non-Interest Income	13,398	16,519	13,283	11,350	9,732
Non-Interest Income Growth (YoY)	-18.89%	24.36%	17.03%	16.63%	26.27%
Revenues Before Loan Losses	14,737	17,465	13,995	11,825	9,935
Provision for Loan Losses	-	158.2	6.37	-	-
Revenue	14,737	17,307	13,988	11,825	9,935
Revenue Growth (YoY)	-14.85%	23.72%	18.29%	19.02%	27.79%
Salaries and Employee Benefits	2,149	1,942	1,730	1,480	1,301
Occupancy Expenses	-	960.64	817.63	681.14	599.72
Selling, General & Administrative	73.7	683.06	456.43	387	410.29
Other Non-Interest Expense	11,796	12,672	10,078	8,550	7,165
Total Non-Interest Expense	14,019	16,382	13,126	11,175	9,508
EBT Excluding Unusual Items	718	925.35	862.24	650.87	427.41
Other Unusual Items	-43.9	-	-	-	-
Pretax Income	674.1	925.35	862.24	650.87	427.41
Income Tax Expense	149.5	-	-	-	-
Net Income	524.6	925.35	862.24	650.87	427.41
Net Income to Common	524.6	925.35	862.24	650.87	427.41
Net Income Growth	-43.31%	7.32%	32.48%	52.28%	108.75%
Basic Shares Outstanding	83	83	83	83	80
Diluted Shares Outstanding	83	84	83	83	80
Shares Change (YoY)	-0.16%	0.33%	0.06%	4.01%	2.56%
EPS (Basic)	6.30	11.12	10.36	7.82	5.34
EPS (Diluted)	6.29	11.08	10.36	7.82	5.34
EPS Growth	-43.23%	6.95%	32.48%	46.44%	103.82%
Effective Tax Rate	22.18%	-	-	-	-