Fino Payments Bank Ltd.

Financial

	Fino Payments Bank	Utkarsh Small Fin.	Suryoday Small Finan
Operational Metrics
Banking Sector
Net Interest Margin	3.77 %	n/a	7.2 %
CASA Ratio	100.0 %	n/a	17.7 %
CASA vs Liabilities	41.31 %	n/a	12.47 %
Net NPA	n/a	n/a	5.6 %
Credit Deposit Ratio	0.01 %	n/a	93.01 %
NBFC
No Of Accounts Opened - Quarterly	864180.0 .	n/a	n/a
Tier I Capital	70.05 %	n/a	23.5 %
Cost To Income Ratio	28.1 %	n/a	69.4 %
Gross NPA	n/a	n/a	8.5 %
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	123500.0 Crs	n/a	n/a
No Of Registered Merchants	1946000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	n/a	1.1 %
Yield On Advances	n/a	n/a	16.8 %
Capital to Risks Assets Ratio (CRAR)	75.8 %	n/a	24.6 %
Financials
5 yr Average ROE	6.76 %	15.47 %	4.84 %
5yr average Equity Multiplier	4.96	9.05	5.55
5yr Average Asset Turnover Ratio	0.68	0.15	0.14
5yr Avg Net Profit Margin	2.66 %	10.22 %	4.68 %
5yr Avg Net Profit Margin	2.66 %	10.22 %	4.68 %
5yr CAGR Net Profit	n/a	21.66 %	14.25 %
5yr CAGR Sales	16.42 %	20.54 %	16.18 %
5 yr CAGR PPOP	n/a	23.27 %	8.22 %
Price to Book	2.84	0.81	0.69
P/E	24.68	101.84	16.93
Shareholdings
Promoter Holding	75.0 %	68.92 %	22.44 %
Share Pledged by Promoters	0.0	0.0	22.39 %
Change in Promoter Holding (3 Yrs)	0.0	-0.36 %	-5.57 %
Change in Mutual Fund Holding (3 Yrs)	-4.72 %	-6.66 %	-4.56 %

Business

	Fino Payments Bank	Utkarsh Small Fin.	Suryoday Small Finan
Segment Break-Up	Segment Break-Up Retail Banks 23.99 Treasury 10.62 Corporate & Wholesale Banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 65.39	Segment Break-Up Corporate & Wholesale Banking 0 Treasury 10.94 Retail Banks 0 Corporate/ Wholesale Banking 6.72 Retail Banking 82.34	Segment Break-Up Corporate & Wholesale Banking 0 Treasury 10.88 Retail Banks 0 Corporate/ Wholesale Banking 0 Retail Banking 0 Others 89.12
Product Wise Break-Up	Product Wise Break-Up CASA 31.0 BC Banking 7.0 CMS 7.0 Remittance 0 AEPS 0 MATM 0 JLG & VL 0 CV 0 HL 0 SBL 0 FIG 0 Others 55.0	-	Product Wise Break-Up Remittance 0 CV 13.0 SBL 0 MATM 0 JLG & VL 50.0 AEPS 0 HL 7.0 BC Banking 0 FIG 11.0 CASA 0 CMS 0 Others 19.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	-	Location Wise Break-Up West India 0 India 0 East India 0 North India 0 South India 0 Others 100
Interest Earned	Interest Earned Interest on Investments 73.93 Interest on Balances with RBI 23.56 Interest / Discount on Advances 0 Others 2.51	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 29.26 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 70.74	Operating Profit Break-Up Corporate/ Wholesale Banking 81.59 Treasury 18.41 Retail Banking 0	Operating Profit Break-Up Corporate/ Wholesale Banking 0 Treasury 100.0 Retail Banking 0
Distribution Channel	Distribution Channel Own Banking Channel 69.0 Open Banking Channel 31.0	-	-
Product vs Subscription	Product vs Subscription Transaction Income 64.0 Subscription 36.0	-	-
Asset Break-Up	Asset Break-Up Treasury 78.44 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 21.56	Asset Break-Up Corporate/ Wholesale Banking 9.0 Treasury 30.09 Retail Banking 58.69 Others 2.22	Asset Break-Up Corporate/ Wholesale Banking 0 Treasury 31.03 Retail Banking 0 Others 68.97

Fino Payments Bank Ltd.

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