Fino Payments Bank Balance Sheet

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
Cash & Equivalents	-	9,222	7,496	6,186	5,520	1,889
Investment Securities	-	23,881	17,469	11,464	6,314	5,036
Total Investments	-	23,881	17,469	11,464	6,314	5,036
Gross Loans	-	1.69	0.69	1.17	2.45	1.32
Net Loans	-	1.69	0.69	1.17	2.45	1.32
Property, Plant & Equipment	-	2,976	1,952	1,449	927.49	642.18
Accrued Interest Receivable	-	216.68	68.1	53.93	42.79	13.6
Restricted Cash	-	1,820	3,160	2,153	2,142	819.3
Other Current Assets	-	81.14	110.06	88.41	123.27	47.99
Other Long-Term Assets	-	3,861	3,935	3,268	1,728	1,654
Total Assets	-	42,059	34,191	24,664	16,800	10,103
Interest Bearing Deposits	-	19,080	13,978	9,116	4,976	2,412
Non-Interest Bearing Deposits	-	314.23	147.62	55.66	50.54	16.3
Total Deposits	-	19,394	14,125	9,171	5,027	2,428
Short-Term Borrowings	-	8,395	7,127	4,341	2,497	1,808
Accrued Interest Payable	-	11.94	9.15	3.61	0.37	0.2
Other Long-Term Liabilities	-	6,790	6,498	5,623	4,478	4,361
Total Liabilities	-	34,591	27,759	19,139	12,002	8,597
Common Stock	-	832.18	832.14	832.14	832.14	445.8
Additional Paid-In Capital	-	6,493	6,492	6,492	6,492	4,045
Retained Earnings	-	-600.06	-1,383	-2,147	-2,559	-2,985
Comprehensive Income & Other	-	743.23	490.84	348.25	32.94	-
Shareholders' Equity	7,863	7,469	6,432	5,525	4,798	1,505
Total Liabilities & Equity	-	42,059	34,191	24,664	16,800	10,103
Total Debt	8,654	8,395	7,127	4,341	2,497	1,808
Net Cash (Debt)	3,323	827.38	369.09	1,845	3,023	80.9
Net Cash Growth	-	124.17%	-80.00%	-38.95%	3636.95%	-88.60%
Net Cash Per Share	39.85	9.90	4.43	22.18	37.78	1.04
Filing Date Shares Outstanding	83.22	83.22	83.21	83.21	83.21	78.01
Total Common Shares Outstanding	83.22	83.22	83.21	83.21	83.21	78.01
Book Value Per Share	94.48	89.75	77.29	66.40	57.66	19.30
Tangible Book Value	7,863	7,469	6,432	5,525	4,798	1,505
Tangible Book Value Per Share	94.48	89.75	77.29	66.40	57.66	19.30

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