Fino Payments Bank Limited

rs,

April 28, 2025 BSE Limited P.J. Towers, Dalal Street, Mumbai- 400 001 National Stock Exchange of India Limited Exchange Plaza, 5th Floor

25%

bank account Classification: Confidential Key Highlights of FY’25 Sustainable Business Model – 25% YoY revenue growth achieved; in line with the guidance Expanding Ownership Business – Customer ba

1.43 crore

evenue growth achieved; in line with the guidance Expanding Ownership Business – Customer base of 1.43 crores including 5.5+ lakh accounts opened digitally (~53 lakh digitally active in Mar’25) Building Lia

53 lakh

Ownership Business – Customer base of 1.43 crores including 5.5+ lakh accounts opened digitally (~53 lakh digitally active in Mar’25) Building Liability Franchise – Deposits up by 30% YoY; ₹ 2,225 crores

30%

ened digitally (~53 lakh digitally active in Mar’25) Building Liability Franchise – Deposits up by 30% YoY; ₹ 2,225 crores as on 31st Mar’2025 Digital Driving Growth – Revenue quadrupled in just a year

₹ 2,225 crore

tally (~53 lakh digitally active in Mar’25) Building Liability Franchise – Deposits up by 30% YoY; ₹ 2,225 crores as on 31st Mar’2025 Digital Driving Growth – Revenue quadrupled in just a year, contributing 21%

21%

rores as on 31st Mar’2025 Digital Driving Growth – Revenue quadrupled in just a year, contributing 21% of the Revenue Pie & accounting for 1.62% of UPI eco-system volume in Q4’25 Awards – ASSOCHAM 202

1.62%

g Growth – Revenue quadrupled in just a year, contributing 21% of the Revenue Pie & accounting for 1.62% of UPI eco-system volume in Q4’25 Awards – ASSOCHAM 2024 - Innovation and Partnership Initiatives;

rs 60

fidential 4 Classification: Confidential Robust Business Model – FY’25 Transaction Count 337.9 Crs 60% Business Volume Merchant Count 19.0 Lakhs 9% Strong Distribution CASA Renewal Income ₹ 189.6

19.0 Lakh

Robust Business Model – FY’25 Transaction Count 337.9 Crs 60% Business Volume Merchant Count 19.0 Lakhs 9% Strong Distribution CASA Renewal Income ₹ 189.6 Crs 48% Customer Centric (% Growth YoY)

9%

siness Model – FY’25 Transaction Count 337.9 Crs 60% Business Volume Merchant Count 19.0 Lakhs 9% Strong Distribution CASA Renewal Income ₹ 189.6 Crs 48% Customer Centric (% Growth YoY) Digi

₹ 189.6

Crs 60% Business Volume Merchant Count 19.0 Lakhs 9% Strong Distribution CASA Renewal Income ₹ 189.6 Crs 48% Customer Centric (% Growth YoY) Digital Advancement Digital Throughput ₹ 225.5k Crs 70

“#HarDinFino… #HarDinFino… Classification: Confidential 39 Classification: Confidential CMS – High Margin Product (Q4 - YoY) CMS Clients 21% CAGR 208 186 Throughput (₹ Crs) Transaction Count (in Crs) 230 35% CAGR 19,486 18,412 21% CAGR 0.30 0.24 0.22 131 0.17 13,840 7,864 Q4'22 Q4'23 Q4'24 Q4'25 Q4'22 Q4'23 Q4'24 Q4'25 Q4'22 Q4'23 Q4'24 Q4'25 ▪ 36 Clients with throughput more than ₹ 100 Cr in Q4’25 vs.”

Highlights

1

Highlights

▪ More than 100 services across accounts, debit payments, card, service requests, etc. ▪ Rated consistent at 4.2 on Play Store with more than 45,000 ratings ▪ Around 6.3 monthly FinoPay in Q4’25 lakh average active users on Comprehensive and Competitive UPI Platform enabling seamless banking transactions #HarDinFino… #HarDinFino… Classification: Confidential 22 Classification: Confidential Fino’s Contribution to the UPI Ecosystem UPI Remitter Ranking* UPI Beneficiary Ranking* 23 23 1.50% 22 22 21 21 21 18 1.62% 21 1.57% 1.42% 20 19 19 19 1.24% 23 1.23% 24 1.27% 22 25 1.01% 27 0.94% Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Overall contribution increased to 1.62% in Q4’25 from 0.94% in Q4’23 #HarDinFino… #HarDinFino… Classification: Confidential * As per NPCI Data 23 Classification: Confidential Digital D2C & Mobile Banking Digitally Active Customers (in lakhs) 1.3x Times 52.7 49.0 45.3 42.3 7 40.9 9 Active Mobile Banking Users Ranking* 7 7 7 Mar'24 Jun'24 Sep'24 Dec'24 Mar'