Fino Payments Bank Limited — PPTs, 29-01-2025: Investor Presentation

- Fino Payments Bank's latest results reflect a robust business performance, achieving a revenue of ₹461.3 Cr, marking a 25% YoY growth. The bank recorded a profit before tax (PBT) of ₹28.5 Cr, also up by 24.9% YoY. Digital throughput surged to ₹59,000 Cr, a growth of 54%, demonstrating significant digital engagement with an active customer base of approximately 48 lakh users.

- Strategically, the bank is enhancing its ownership business with a customer base of 1.34 crore, including over 5 lakh digitally opened accounts. Average deposits have risen sharply, up 39% YoY to ₹1,890 Cr. The bank aims to continue building on these solid foundations while expanding its digital footprint, which currently constitutes 24% of revenue and 1.61% of the UPI ecosystem's volume.

- Investors should view these developments positively, as Fino is focused on maximizing growth through technological investments, which are expected to further bolster profitability and market presence. The recent metrics point towards a strong operational resilience and capacity for future growth, making it a noteworthy entity in the fintech landscape.