Outcome of Board Meeting

October 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, Bandra (E), Mumbai- 400 001 Mumbai - 400 051 (Scrip Code: 543386) (Symbol: FINOPB) Dear Sir/ Madam, Sub: Outcome of the Board Meeting held today, i.e. Thursday, October 29, 2026 Pursuant to Regulations 30, 33 and other applicable provisions of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“SEBI Listing Regulations”), we would like to inform that the Board of Directors of Fino Payments Bank Limited (“Bank”) at its meeting held today i.e. Thursday, October 29, 2026 has inter-alia considered and approved the Audited Financial Results for the half year ended September 30, 2026 and Unaudited Financial Results for the quarter ended September 30, 2026 (“Financial Results”) along with Auditors’ Report and Limited Review Report issued by the Statutory Auditors of the Bank, based on recommendation of Audit Committee. Accordingly, the said Financial Results along with Auditors’ Report and Limited Review Report issued by the Statutory Auditors of the Bank are enclosed herewith as Annexure-A. The Board meeting commenced at 02:00 p.m. (IST) and concluded at 06:15 p.m. (IST). This information will also be available on the Bank’s website i.e. www.fino.bank.in Kindly take the same on record. Thanking you Yours faithfully, For Fino Payments Bank Limited Basavraj Loni Company Secretary & Compliance Officer Place: Navi Mumbai Encl.: a/a 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 | Tel: (+91 22) 7104 7000 | Website: www.fino.bank.in | Email: cs@fino.bank.in Annexure-A AFino· FINO PAYMENTS BANK LIMJTED i,l ftno P,iym,,ntc. 8.1nk CIN: L65J00Mll2007PLCl71959 Registered Office: Mindspace Juinagar, Plot i\"o Gen 2/1/F,TO\ver I. 8th Floor, TTC Industrial Area.MID(' Shirwanc. Navi Mumbai -400706 Website: https://www.finobank.com. Tel.: 022-7104 7000 FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30. 2026 (~ in lakhs) Quarter ended Half Year ended Year ended Sr No Particulars 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 (Refer note 2) Unaudited (Refer note 2) Audited Audited Audited I Interest earned(a)+(b)+(c)+(d) 7,446 7,223 6,011 14,668 12,111 24,818 (a) Interest/ discount on advances/ bills 0 0 0 0 I 2 (b) Income 011 investments 5,631 5,443 4,381 11,073 8,869 18,136 interest on balances with Reserve Bank of India (c) and other inter-bank funds 1,814 1,780 1,630 3,593 3,186 6,624 (d) Others I 0 0 2 55 56 2 Other Income 25,916 23,464 33,994 49,380 73,241 1,33,975 3 Total lncome(1+2) 33,362 30,687 40,005 64,048 85,352 1,58,793 4 Interest Expended 3,546 3,533 2,762 7,078 5,599 11,428 s Operating Expenses (i)+(ii) 31,906 28,526 35,121 60,432 75,168 1,40,185 (i) Employees cost 5,883 5,784 5,649 I 1,666 11,481 22,229 (ii) Other operating expenses 26,023 22,742 29,472 48,766 63.687 1,17,956 Total Expenditure (4+5) excluding provisions and 6 contingencies 35,452 32,059 37,883 67,510 80,767 1,51,613 7 Operating Profit before provisions and contingencies (3-6) (2,090) (1,372) 2,122 (3,462) 4,585 7,180 8 Provisions (other than tax) and Contingencies - - - 9 Exceptional Items - - 439 Profit(+)/ Loss(-) from Ordinary Activities before tax (7-8- 10 9) (2,090) (1,372) 2,122 (3,462) 4,585 6,741 II Tax expense 587 l,274 1,495 Net Profit(+)/ Loss(-) from Ordinary Activities after tax (10- 12 11) (2,090) (1,372) 1,535 (3,462) 3,31 I 5,246 13 Extraordinary items (net of tax expense) - - - - - 14 Net Profil(+)/ Loss(-) for the 1>eriod (12-13) (2,090) (1,372) 1,535 (3,462) 3,311 5,246 Paid-up equity share capital 15 (Face Value off IO/-each) 8,322 8,322 8,322 8,322 8,322 8,322 16 Reserves excluding Revaluation Reserves - - 68,704 17 Analytical Ratios and Other Disclosures (i) Percentage of shares held by Government of India - - - (ii) Capital Adequacy Ratio(%) 79.89% 82.58% 77.19% 79.89% 77.19% 83.95% (iii) Earning per share (EPS) -( in ~) Basic EPS before and after extraordinary items, net of tax (a) expense (not annualised) (2.5 I) (1.65) 1.84 (4.16) 3.98 6.30 Diluted EPS before and after extraordinary items, net of tax (b) expense (not annualised) (2.51) (1.65) 1.84 (4.16) 3.97 6.29 (iv) NPA Ratios NA NA NA NA NA NA (v) Return on Assets% (Average) (Not annualised) -0.36% -0.25% 0.35% -0 62% 0.78% 1.10% (vi) Net Worth 57,136 58,006 56,335 57,136 56,335 60,391 (vii) Outstanding redeemable preference shares (viii) Capital Rede1nptio11 Reserve (ix) Debt· equity ratio 2.89 2.56 1.10 2.89 LIO 1.91 (x) Total debts to Total Assets• 37.75% 35. 75% 20.01% 37.75% 2001% 28.90% • Debt represents the total borrowings AFino Fino Payment:. Bank SUMMARISED STATEMENT OF ASSETS AND LIABILITIES (~ in lakhs) As at As at Asat Particulars 30 September 2026 30 September 2025 31 March 2026 Audited Audited Audited CAPITAL AND LIABILITIES Capital 8,322 8,322 8,322 Employees Stock Options outstanding 3,590 3,327 3,495 Reserves and Surplus 65,156 66,977 68,704 Deposits 2,29,940 2,09,066 2,37,949 Borrowings 2,22,464 86,537 1,53,530 Other liabilities and provisions 59,915 58,162 59,190 Total 5,89,387 4,32,391 5,31,190 ASSETS Cash and balances with Reserve Bank of India 9,297 9,646 15,429 Balances with banks and money at call and short notice 1,16,850 1,10,120 1,19,631 Investments 3,92,481 2,37,368 3,25,445 Advances 4 13 9· Fixed assets 35,131 33,203 36,414 Other Assets 35,624 42,041 34,262 Total 5,89,387 4,32,391 5,31,190 AFino 1,1' F,noP.,ynwnt~ R.1nk SEGMENT REPORTING FOR THE OllARTER AI\D HALF YEAR ENDED SEPTEMBER 30, 2026 (? in lakhs) Quarter Ended llalfYear ended Year ended Sr No Pa1·ticulars 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 (Refer note 2) Unaudited (Refer note 2) Audited Audited Audited I Segment Reve11ue (a) Corporate/ Wholesale Banking - (b) Retail Banking 13,777 12.994 12,618 26.770 24,669 49.350 (c) Treasury 7.472 7.287 6.030 14.759 12.073 24.819 (d) Other Banking Operations 12,111 10,404 21.356 22,515 48.553 84.562 (e) Unallocated 2 2 I 4 57 62 Total I Items (a) to (c)] 33,362 30,687 40,005 64,048 85,352 1,58,793 Less. Inter Segment Revenue Total Income 33,362 30,687 40,005 64,048 85,352 1,58,793 2 Segment Results(Profit(+)/ Loss(-) before tax) (a) Corporate/ Wholesale Banking (b) Retail Banking 7,423 7.166 6,156 14.589 11,056 23,459 (c) Treasury 4,849 4,740 4,333 9.589 8.699 17.646 (d) Other Banking Operations (2,950) (2,482) 1.036 (5,432) 3,250 3,406 Totnl I Items (a) to (d)l 9,322 9,424 11,525 18,746 23,005 44,511 Less: (i) Interest (1i) Other Un-allocable Expenditure net off 11.412 10.796 9,403 22,208 18,420 37.770 (iii) Un-allocable income - Total Profit Before Tax (2,090) (1,372) 2,122 (3,462) 4,585 6,741 3 Segment Assets (a) Corporate/Wholesale Banking (b) Retail Banking 7,344 8,248 8.906 7.344 8,906 7.114 (c) Treasury 5,05.152 4,81,844 3.39.225 5.05.152 3,39.225 4.39.147 (d) Other Banking Operations 30.239 33.278 37.643 30.239 37.643 38,780 (e) Unallocated 46,652 46.292 46.617 46.652 46.617 46.149 Total 5,89,387 5,69,662 4,32,391 5,89,387 4,32,391 5,31,190 4 Segment Liabilities (a) C'orporate/Wholes.ile Banking - (b) Retail Banking 2,34.604 2,30,945 2, 13,645 2.34,604 2.13,645 2.43.538 (c) Treasury 1.98,002 1.80,020 69.279 1.98.002 69,279 1.33.994 (d) Other 13anking Operations 65,569 68.511 61,932 65,569 61.932 64.671 (e) Unallocated 14,142 10.707 8,909 14,142 8,909 8,466 Total 5,12,317 4,90,183 3,53,765 5,12,317 3,53,765 4,50,669 5 Total Capital & Rescn·es 77,070 79,479 78,626 77,070 78,626 80,521 6 Total ( 4)+(5) 5,89,387 5,69,662 4,32,391 5,89,387 4,32,391 5,31,190 CASH FLOW STATEMENT (~ in lakhs) Half Year Half Year Ended Ended Year Ended Sr.No Particulars 30.09.2026 30.09.2025 31.03.2026 (Audited) (Audited) (Audited) I Cash Fl [Showing first 8,000 characters — download PDF for full document]