Fino Payments Bank Limited

rs,

November 01, 2023 BSE Limited P.J. Towers, Dalal Street, Mumbai- 400 001 (Scrip Code: 543386) Dear Sir/Madam, National Stock Exchange of

15.1 Lakh

n Phase II: Acquisition Phase III: Monetization  Build Distribution Network: Merchant base to 15.1 Lakh   Simple & convenient banking solutions Innovate new products to meet evolving needs  Th

₹ 162

ple & convenient banking solutions Innovate new products to meet evolving needs  Throughput of ₹ 162k crores for the first time in H1’24  Customer Base at ~ 9 million  95% YOY growth in renewal

9 million

evolving needs  Throughput of ₹ 162k crores for the first time in H1’24  Customer Base at ~ 9 million  95% YOY growth in renewal revenue in Q2’24, setting base for annuity income  Digital – ~50K

95%

eds  Throughput of ₹ 162k crores for the first time in H1’24  Customer Base at ~ 9 million  95% YOY growth in renewal revenue in Q2’24, setting base for annuity income  Digital – ~50K accoun

1.25%

Q2’24, setting base for annuity income  Digital – ~50K accounts opened in Q2’24; Contributing 1.25% of overall UPI volumes  Transacting – “OFF US” to CASA customer – “ON US”  Fino 2.0+ : Simpli

1 Lakh

shot – Q2’24 Customer acquisition momentum continues 7.5 L + new accounts Reached milestone of 1 Lakh Digital Savings Accounts Renewal income growing with every passing quarter Contributed 1.25%+ t

140 bps

osystem volume Higher margin Own Product revenue pie increasing – Net Revenue Margin Expanding – 140 bps Ecosystem challenges (AEPS) – Enhanced control measures implemented by regulator and Banks Digi

27%

S) – Enhanced control measures implemented by regulator and Banks Digital throughput contributed 27% in Q2’24 (17% in Q2’23) 40% customer base digitally active #HarDinFino… Classification: Confiden

17%

ontrol measures implemented by regulator and Banks Digital throughput contributed 27% in Q2’24 (17% in Q2’23) 40% customer base digitally active #HarDinFino… Classification: Confidential 6 Classi

40%

implemented by regulator and Banks Digital throughput contributed 27% in Q2’24 (17% in Q2’23) 40% customer base digitally active #HarDinFino… Classification: Confidential 6 Classification: Confi

₹ 358.6

Confidential 6 Classification: Confidential Performance At a Glance Q2’24 YoY H1’24 Revenue ₹ 358.6 Cr 18% ₹ 706.9 Cr YoY 19% PAT ₹ 19.5 Cr 42% ₹ 38.2 Cr 60% Digital Throughput ₹ 23k Cr 12

Phase I

1

Phase II

1

Phase III

1

Significant trust equity build

1

Phase III

Monetization  Build Distribution Network: Merchant base to 15.1 Lakh   Simple & convenient banking solutions Innovate new products to meet evolving needs  Throughput of ₹ 162k crores for the first time in H1’24  Customer Base at ~ 9 million  95% YOY growth in renewal revenue in Q2’24, setting base for annuity income  Digital – ~50K accounts opened in Q2’24; Contributing 1.25% of overall UPI volumes  Transacting – “OFF US” to CASA customer – “ON US”  Fino 2.0+ : Simplified digital solutions for customer friendly experience  Build CASA Liability – setting base for future product  Optimising analytical tools to identify target customers 

Significant trust equity build

Strong opportunity for cross sell Successfully Completed Current Stage : Gearing to Capture Future Growth New Levers of Future Growth #HarDinFino… Classification: Confidential 5 Classification: Confidential Business Snapshot – Q2’24 Customer acquisition momentum continues 7.5 L + new accounts Reached milestone of 1 Lakh Digital Savings Accounts Renewal income growing with every passing quarter Contributed 1.25%+ to the UPI transaction ecosystem volume Higher margin Own Product revenue pie increasing – Net Revenue Margin Expanding – 140 bps Ecosystem challenges (AEPS) – Enhanced control measures implemented by regulator and Banks Digital throughput contributed 27% in Q2’24 (17% in Q2’23) 40% customer base digitally active #HarDinFino… Classification: Confidential 6 Classification: Confidential Performance At a Glance Q2’24 YoY H1’24 Revenue ₹ 358.6 Cr 18% ₹ 706.9 Cr YoY 19% PAT ₹ 19.5 Cr 42% ₹ 38.2 Cr 60% Digital Throughput ₹ 23k Cr 120% ₹ 41k Cr 108% Throughput ₹ 87k Cr 43% ₹ 162k Cr 3