Fino Payments Bank Limited — PPTs, 13-08-2026: Investor Presentation

Fino Payments Bank hit a record 42.8% Net Revenue Margin in Q1 FY'27, largely driven by its CASA business contributing 54% to revenue. Revenue was ₹306.9 Cr, with PAT at ₹(13.7) Cr. Average total deposits grew 12% YoY to ₹2,772 Cr, and CASA accounts expanded 22% YoY to 1.83 Cr.

The bank is actively transitioning to a Small Finance Bank, aiming for a Q1 FY'28 go-live, with key systems identified and consultants engaged. Digital expansion continues, with digitally active users up 22% YoY. Loan referrals are a significant growth driver, surging 214% YoY to ₹628 Cr. Fino is focused on strengthening its "Liability-First" strategy and is seeing growing adoption of its merchant Soundbox.