Shareholders meeting

September 29, 2026 BSE Limited National Stock Exchange of India Limited P.J. Towers, Exchange Plaza, 5th Floor, Plot No. C/1, G Dalal Street, Block, Bandra - Kurla Complex, Mumbai- 400 001 Bandra (E), Mumbai - 400 051 Scrip Code: 543386 Symbol: FINOPB Dear Sir, Sub.: Summary of the proceedings of the 10th Annual General Meeting (“AGM”) of Fino Payments Bank Limited (“Bank”) held on Tuesday, September 29, 2026 Ref.: Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) We would like to inform that 10th AGM of the Bank was held today i.e. Tuesday, September 29, 2026 at 12:00 Noon (IST) through Video Conferencing (“VC”) or Other Audio Visual Means (“OAVM”). Pursuant to Regulation 30 of the SEBI Listing Regulations, we enclose herewith the summary of proceedings of the 10th AGM of the Bank. Please be informed that pursuant to Regulation 44 of the SEBI Listing Regulations, the Bank shall disclose the combined results of e-voting along with the Scrutinizer’s report to the stock exchanges separately. Kindly take the same on record. Yours faithfully For Fino Payments Bank Limited Basavraj Loni Company Secretary & Compliance Officer Place: Navi Mumbai Encl.: As above Fino Payments Bank Limited Registered Office: Mindspace Juinagar, Plot No Gen 2/1/F, Tower 1, 8th Floor, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai - 400 706 | CIN: L65100MH2007PLC171959 I Tel: (+91 22) 7104 7000, website: www.fino.bank.in, Email: cs@fino.bank.in Summary of the proceedings of the 10th Annual General Meeting (“AGM”) of Fino Payments Bank Limited (“Bank”) The 10th AGM of the Bank was held on Tuesday, September 29, 2026 at 12:00 Noon Indian Standard Time (IST) through Video Conferencing (“VC”) or Other Audio Visual Means (“OAVM”). The meeting was held in compliance with the relevant provisions of the Companies Act, 2013 (“Act”) and SEBI Listing Regulations, read with relevant circulars issued by MCA and SEBI in this regard. Mr. Basavraj Loni, Company Secretary & Compliance Officer welcomed everyone at the 10th AGM of the Bank. He informed that the meeting was attended by 43 members as per the attendance records of the Bank. Mr. Rajat Kumar Jain, Part-time Chairman & Independent Director of the Board of the Bank, chaired the meeting. The requisite quorum was present, the Chairman declared the meeting to be in order and welcomed the members. He introduced Directors and Management of the Bank who were present through VC or OAVM as follow: The following Directors attended the meeting: Mr. Rajat Kumar Jain, Part-time Chairman & Independent Director of the Bank and Chairperson of the Strategic Investment Committee and Committee of Directors (Operations) and Crisis Management Committee. Mrs. Deena Asit Mehta, Independent Director of the Bank and Chairperson of the Audit Committee. Mr. Rakesh Bhartia, Independent Director of the Bank and Chairperson of the Stakeholders Relationship Committee. Mrs. Anita Pai, Independent Director of the Bank and Chairperson of the Nomination & Remuneration Committee, IT Strategy Committee, Special Committee of Board on Fraud Monitoring and follow-up of cases of frauds and Small Finance Bank Execution Committee. He further informed that Mrs. Neeta Mukerji, Independent Director, Mr. Pankaj Kumar and Mr. Prateek Roongta, Nominee Directors of the Bank expressed their inability to attend the AGM due to their pre-occupation. Apart from the Directors, the following Management officials also attended the meeting: Mr. Ketan Merchant – Interim Chief Executive Officer, Mr. Anup Agarwal – Interim Chief Financial Officer and Mr. Basavraj Loni – Company Secretary & Compliance Officer, were also present. Fino Payments Bank Limited Registered Office: Mindspace Juinagar, Plot No Gen 2/1/F, Tower 1, 8th Floor, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai - 400 706 | CIN: L65100MH2007PLC171959 I Tel: (+91 22) 7104 7000, website: www.fino.bank.in, Email: cs@fino.bank.in Further, the representatives of the Statutory Auditors, Secretarial Auditors of the Bank and Scrutinizer were also present at the meeting. The Bank had appointed Mr. Tribhuwneshwar Kaushik of M/s. Kaushik Joshi & Co., Practicing Company Secretaries, as the Scrutinizer to scrutinize the e-voting process in a fair and transparent manner. The Members were informed that the remote e-voting for the AGM commenced on Friday, September 25, 2026 at 9:00 a.m. (IST) and ended on Monday, September 28, 2026 at 5:00 p.m. (IST) and the e-voting facility for casting vote during the AGM was open and made available for 30 (Thirty) minutes after the conclusion of the AGM to those shareholders who had not already voted by means of remote e-voting. Further, the Members were informed that the AGM Notice and complete set of Annual Report for FY2025-26 comprising of Board’s Report, Report on Corporate Governance, Business Responsibility and Sustainability Reporting, Management's Discussion and Analysis, Reports of Auditors, Financial Statements etc. have been circulated to the Members electronically well in advance. Further, a letter providing the QR Code and the web-link, giving the exact path where the Annual Report for FY2025-26 is available on the website, was sent to those members, who had not registered their e-mail addresses. The Chairman informed the Members that there were no qualifications, observations or adverse remarks in the Statutory Auditor’s Report and Secretarial Auditors’ Report on the functioning of the Bank and pursuant to the applicable provisions of the Companies Act, 2013 and the Secretarial Standards, the Audit Reports and the Notice of the AGM were taken as read. Mr. Basavraj Loni informed the members that the necessary registers as required under the provisions of the Companies Act, 2013 and other documents as mentioned in the Annual report were open for inspection in electronic mode. The Chairman expressed on behalf of the Board, deepest gratitude to Mr. Rishi Gupta, who opted for a voluntary early retirement in May 2026, for his exemplary leadership and relentless dedication over the years and then addressed the members of the Bank with a brief speech wherein he apprised them, inter alia, about the Bank’s operational performance during FY26, growth of its low-cost liability base, extensive merchant network and last-mile presence, technology-led platforms and “Phygital” approach, evolving customer relationships and increasing use of the Bank for savings, deposits and digital services. He also apprised the members about the GST-related investigation involving third-party programme managers and Technology Service Providers, the comprehensive review undertaken by the Board in this regard, and strengthening of KYC and anti-money laundering frameworks, transaction monitoring, cybersecurity, fraud prevention and internal controls. Further, he apprised the members about the Reserve Bank of India’s in-principle approval to convert the Bank into a Small Finance Bank and the Bank’s ambition to build a differentiated, trusted and sustainable Small Finance Bank for Bharat by leveraging its granular deposit base, extensive merchant network, deep customer engagement and technology-first operating model, developing a high- quality lending business and creating long-term value for its shareholders. Further, the Chairman invited Mr. Ketan Merchant, Interim CEO of the Bank to address the Members. Fino Payments Bank Limited Registered Office: Mindspace Juinagar, Plot No Gen 2/1/F, Tower 1, 8th Floor, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai - 400 706 | CIN: L65100MH2007PLC171959 I Tel: (+91 22) 7104 7000, website: www.fino.bank.in, Email: cs@fino.bank.in Mr. Ketan Merchant addressed the members of the Bank with a brief speech wherein he apprised them, inter alia, about the Bank’s in-principle approval from the Reserve Bank of India for transition into a Small [Showing first 8,000 characters — download PDF for full document]