Fino Payments Bank Ltd.

Financial

	Fino Payments Bank	Suryoday Small Finan	Utkarsh Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	3.77 %	8.4 %	n/a
CASA Ratio	100.0 %	19.5 %	n/a
CASA vs Liabilities	41.31 %	13.59 %	n/a
Net NPA	n/a	3.1 %	n/a
Credit Deposit Ratio	0.01 %	96.08 %	n/a
NBFC
No Of Accounts Opened - Quarterly	812970.0 .	n/a	n/a
Tier I Capital	70.05 %	25.3 %	n/a
Cost To Income Ratio	25.9 %	76.8 %	n/a
Gross NPA	n/a	5.5 %	n/a
Take Rate - Financial Services	0.56 %	n/a	n/a
Throughput - Quarterly	118000.0 Crs	n/a	n/a
No Of Registered Merchants	1874000.0 .	n/a	n/a
Unclassified
Tier 2 Capital	4.45 %	1.6 %	n/a
Yield On Advances	n/a	18.3 %	n/a
Capital to Risks Assets Ratio (CRAR)	75.2 %	26.9 %	n/a
Financials
5 yr Average ROE	6.76 %	4.84 %	15.47 %
5yr average Equity Multiplier	4.96	5.55	9.05
5yr Average Asset Turnover Ratio	0.68	0.14	0.15
5yr Avg Net Profit Margin	2.66 %	4.68 %	10.22 %
5yr Avg Net Profit Margin	2.66 %	4.68 %	10.22 %
5yr CAGR Net Profit	n/a	14.25 %	21.66 %
5yr CAGR Sales	16.42 %	16.18 %	20.54 %
5 yr CAGR PPOP	n/a	8.22 %	23.27 %
Price to Book	3.12	0.73	0.93
P/E	22.98	6.87	16.18
Shareholdings
Promoter Holding	75.0 %	22.44 %	68.92 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.57 %	-0.36 %
Change in Mutual Fund Holding (3 Yrs)	-4.5 %	-5.45 %	-2.5 %

Business

	Fino Payments Bank	Suryoday Small Finan	Utkarsh Small Fin.
Segment Break-Up	Segment Break-Up Retail Banks 22.84 Treasury 10.7 Corporate & Wholesale Banking 0 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 66.46	Segment Break-Up Corporate/ Wholesale Banking 0 Corporate & Wholesale Banking 0 Retail Banking 0 Retail Banks 0 Treasury 9.71 Others 90.29	Segment Break-Up Corporate/ Wholesale Banking 6.78 Corporate & Wholesale Banking 0 Retail Banking 83.24 Retail Banks 0 Treasury 9.98
Product Wise Break-Up	Product Wise Break-Up CASA 24.0 Remittance 15.0 CMS 9.0 BC Banking 7.0 AEPS 7.0 MATM 3.0 JLG & VL 0 CV 0 HL 0 SBL 0 FIG 0 Others 35.0	Product Wise Break-Up CASA 0 CV 12.0 Remittance 0 SBL 0 CMS 0 AEPS 0 MATM 0 JLG & VL 53.0 BC Banking 0 FIG 11.0 HL 8.0 Others 16.0	-
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 North India 0 India 0 West India 0 South India 0 East India 0 Others 100	-
Interest Earned	Interest Earned Interest on Investments 76.31 Interest on Balances with RBI 23.69 Interest / Discount on Advances 0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Treasury 29.35 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 70.65	Operating Profit Break-Up Corporate/ Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	Operating Profit Break-Up Corporate/ Wholesale Banking 0 Retail Banking 0 Treasury 100.0
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 74.28 Retail Banking 0 Corporate/ Wholesale Banking 0 Others 25.72	Asset Break-Up Corporate/ Wholesale Banking 0 Retail Banking 0 Treasury 27.85 Others 72.15	Asset Break-Up Corporate/ Wholesale Banking 8.93 Retail Banking 61.91 Treasury 26.74 Others 2.42

Fino Payments Bank Ltd.

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