Fino Payments Bank Limited

rs,

mited Corporate Relationship Department, 2nd Floor, New Trading Wing, Rotunda Building, P.J. Towers, Dalal Street, Mumbai- 400 001 (Scrip Code: 543386) Dear Sir/Madam, Re: Investor Presentation

₹1,000 crore

2007 2008 2014 2015 Financial inclusion becomes the core of the business Crossed revenue of ₹1,000 crores Launches Domestic Money Transfer Services First profitable Payments Bank Beginning of Digi

14.4 Lakh

n Phase II: Acquisition Phase III: Monetization  Build Distribution Network: Merchant base of 14.4 Lakh   Simple & convenient banking solutions Innovate new products to meet evolving needs  Cr

₹ 75

nt banking solutions Innovate new products to meet evolving needs  Crossed total throughput of ₹ 75k crores for the first time in a single quarter (Q1’24)  2.5 Lakh+ New CASA accounts added ever

2.5 Lakh

eds  Crossed total throughput of ₹ 75k crores for the first time in a single quarter (Q1’24)  2.5 Lakh+ New CASA accounts added every month in Q1’24  96% renewal growth in Q1’24 (YoY), setting base

96%

rst time in a single quarter (Q1’24)  2.5 Lakh+ New CASA accounts added every month in Q1’24  96% renewal growth in Q1’24 (YoY), setting base for annuity income  Building on our Digital Pres

₹ 348.3

ential 5 Classification: Confidential Performance At a Glance Q1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k

7.7%

lassification: Confidential Performance At a Glance Q1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.

20.5%

fidential Performance At a Glance Q1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.5% 94.4% PAT ₹ 1

₹ 75.8

a Glance Q1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.5% 94.4% PAT ₹ 18.7 Cr (15.4%) 85.1% #H

11.9%

1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.5% 94.4% PAT ₹ 18.7 Cr (15.4%) 85.1% #HarDinFino…

24.7%

rowth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.5% 94.4% PAT ₹ 18.7 Cr (15.4%) 85.1% #HarDinFino… Classif

Phase I

1

Phase II

1

Phase III

1

Significant trust equity build

1

Phase III

Monetization  Build Distribution Network: Merchant base of 14.4 Lakh   Simple & convenient banking solutions Innovate new products to meet evolving needs  Crossed total throughput of ₹ 75k crores for the first time in a single quarter (Q1’24)  2.5 Lakh+ New CASA accounts added every month in Q1’24  96% renewal growth in Q1’24 (YoY), setting base for annuity income  Building on our Digital Presence  Transacting – “OFF US” to CASA customer – “ON US” 

Significant trust equity build

Strong opportunity for cross sell  Optimising analytical tools to identify target customers  Build CASA Liability – setting base for future product  Fino 2.0+ : Simplified digital solutions for customer friendly experience Successfully Completed Current Stage : Gearing to Capture Future Growth New Levers of Future Growth #HarDinFino… Classification: Confidential 5 Classification: Confidential Performance At a Glance Q1’24 Growth QoQ Total Revenue ₹ 348.3 Cr 7.7% Growth YoY 20.5% Total Throughput ₹ 75.8k Cr 11.9% 24.7% Digital Throughput ₹ 18.3k Cr 17.5% 94.4% PAT ₹ 18.7 Cr (15.4%) 85.1% #HarDinFino… Classification: Confidential 6 Classification: Confidential P&L Highlight Revenue (₹ Crs) 32% CAGR 348 289 206 151 Q1'21 Q1'22 Q1'23 Q1'24 EBITDA (₹ Crs) 56% CAGR 23.6 8.2% Q1'23 40.5 11.6% Q1'24 10.6 7.0% Q1'21 11.2 5.4% Q1'22 PAT (₹ Crs) 116% CAGR 10.1 3.5% Q1'23 3.1 1.5% Q1'22 Cost to Income (%) (12%) 33% 18.7 5.4% Q1'24 27% 26% 1.9 1.2% Q1'21 38% Q1'21 Q1'22 Q1'23 Q1'24 Note : PAT &