Fino Payments Bank Limited — PPTs, 28-04-2025: Investor Presentation

**Financial Highlights:**

Fino Payments Bank reported revenue of ₹1,847.1 Cr for FY’25, reflecting a 25% YoY growth. Profit Before Tax (PBT) reached ₹108.3 Cr, up 26% YoY, with EBITDA of ₹234.4 Cr, marking a 22% growth. The net revenue margin stood at 31.5%, slightly decreased from the previous year. Total deposits increased by 30% YoY to ₹2,225 Cr.

**Strategic Initiatives & Growth Drivers:**

The bank is focusing on expanding its ownership business, reaching a customer base of 1.43 crores. Digital banking has significantly driven growth, quadrupling revenue contribution to 21% of total revenues and accounting for 1.62% of the UPI ecosystem volume.

**Business Developments:**

Recent achievements include introducing an extensive suite of digital payment services and enhancing market presence through both direct and partner models. Fino has built a strong liability franchise and increased digitally active customers to approximately 5.3 million.

**Market Position & Competitive Advantage:**

Fino holds a robust position with access to 97% of India's pin codes and a substantial banking outlet network. Its customer-centric strategies bolster differentiation in the digital banking landscape, affirming its leadership.

**Investor Implications:**

These updates suggest substantial growth potential, driven by strong revenue performance and an expanding digital footprint. Investors should be aware of execution risks as Fino continues to scale its digital services.