Outcome of Board Meeting

t:r fino Payments Bank Rh;rt ffi August 13, 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, August 13, 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, August 13, 2026 has inter-alia considered and approved the Unaudited Financial Results of the Bank for the first quarter ended June 30, 2026 (“Financial Results”) along with Limited Review Report issued by the Statutory Auditors of the Bank, based on recommendation of Audit Committee. The said Financial Results along with Limited Review Report issued by the Statutory Auditors of the Bank are enclosed 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 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 FINO PAYMENTS BANKLIMlTED CIN : L651O0MH2007PLC171959 Registered Otlice: Mindspace Juinagar, Plot No Gen 2/1/F,Tower 1, 8th floor, TTC Industrial Area,MIDC Shirwane, Navi Mt1mbai -400706 Website: https://www.finobank.com, Tel.: 022-7104 7000 UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2026 (~ in lakhs) Quarter ended Year ended Sr No Particulars 30.06.2026 31.03.2026 30.06.2025 31.03.2026 Unaudited (Refer note 2) Unaudited Audited 1 Interest earned( a)+(b )+(c )+(d ) 7,223 6,410 6,099 24,818 (a) Interest/ discount on advances/ bills 0 0 l 2 (b) Income on investments 5,443 4,651 4,487 18,136 Interest on balances with Reserve Bank oflndia (c) 1,780 J ,759 1,556 6,624 and other inter-bank funds (d) Others 0 0 55 56 2 Other Income 23,464 27,588 39,248 133,975 3 Total Income(l +2) 30,687 33,998 45,347 158,793 4 Interest Expended 3,533 2,888 2,837 11,428 5 Operating Expenses (i)+(ii) 28,526 30,571 40,047 140,185 (i) Employees cost 5,784 5,332 5,831 22,229 (ii) Other operating expenses 22,742 25,239 34,216 117,956 Total Expenditure (4+5) excluding provisions and 6 32,059 33,459 42,884 151,613 contingencies 7 Operating Profit before provisions and contingencies (3-6) (1,372) 539 2,463 7,180 8 Provisions (other than tax) and Contingencies . - . - 9 Exceptional Items - 129 - 439 Profit(+)/ Loss(-) from Ordinary Activities before tax (7-8- 10 (1,372) 410 2,463 6,741 11 Tax expense - (300) 687 1,495 Net Profit(+)/ Loss(-) from Ordinary Activities after tax (10- 12 (1,372) 710 1,776 5,246 13 Extrao1·dina1·y items (net of tax expense) - - - - 14 Net Profit(+)/ Loss(-) for the period (12-13) (1,372) 710 1,776 5,246 Paid-up equity share capital 15 8,322 8,322 8,322 8,322 (Face Value ofUO/-each) 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(%) 82.58% 83.95% 73.35% 83.95% (iii) Earning per share (EPS) -( in ~) Basic EPS before and after extraordinary items, net of tax (a) (1.65) 0.85 2.13 6.30 expense (not annualised) Diluted EPS before and after extraordinary items, net of tax (b) (1.65) 0.85 2.13 6.29 expense (not annualised) (iv) NPA Ratios NA NA NA NA (v) Return on Assets% (Average) (Not annualised) -0.25% 0.14% 0.41% 1.10% (vi) Net Wo1ih 58,006 60,391 55,548 60,391 (vii) Outstanding redeemable preference shares - - - - (viii) Capital Redemption Reserve - - - - (ix) Debt· equity ratio 2.56 1.91 1.28 1.91 (x) Total debts to Total Assets* 35.75% 28.90% 22.71% 28.90% * Debt represents the total bon-owrngs SEGMENT REPORTING FOR THE QUARTER ENDED JUNE 30 2026 Quarter Ended Year ended Sr No Particulars 30.06.2026 31.03.2026 30.06.2025 31.03.2026 Unaudited (Refer note 2) Unaudited Audited I Segment Revenue (a) Corporate/ Wholesale Banking - - (b) Ret,1il Banking 12,994 11,86\ 11,966 49,350 (c) Treasury 7,287 6,420 6,043 24,819 (d) Other Banking Operations 10,404 15,714 27,282 84,562 (c) Unallocated 2 3 56 61 Total !Items (a) to (e)] 30,687 33,998 45,347 158,792 Less: Inter Segment Revenue - - - Total 1n come 30,687 33,998 45,347 158,792 2 Segment Results(Profit(+)/ loss(-) before tax) (a) Corporate/ Wholesale Banking - - - (b) Retail Banking 7,166 6,111 4,815 23,459 (e) Treasury 4,740 4,521 4,366 17,646 (d) Other Banking Operations (2,482) (250) 2,298 3,406 Total lltcms (a) to (d)I 9,424 10,382 11,479 44,511 Less: (i) Interest - - - - (ii) Other Un-allocable Expenditure net off 10,796 9,972 9,0.16 37,770 (i,i) Un-allocable income - - - - Total Profit Before Tax (1,372) 410 2,463 6,741 3 Segment Assets (a) Corporate/Wholesale Banking - - - tb) Retai I Banking 8,248 7,114 10,123 7,114 (c) Treasury 481,844 439,147 351,220 439,147 (d) Other Banking Operations 33,278 38,780 27,205 38,780 (c) Unallocated 46,292 46,149 47,577 46,149 Total 569,662 531,190 436,125 531,190 4 Segment Liabilities (a) Corporate/Wholesale Banking - - - - (b) Retail Banking 230,945 243,538 193,653 243,538 (c) Treasury 180,020 133,994 78,004 133,994 (dJ Other Banking Operations 68,511 64,671 79,907 64,671 (e) Unallocated 10,707 8,466 7,389 8,466 Total 490,183 450,669 358,9S3 450,669 5 Total Capital & Reserves 79,479 80,521 77,172 80,521 6 Total ( 4)+(5) 569,662 531,190 436,115 531,190 Notes: 1. The above financial results have been reviewed by the Audit Committee and approved by the Board of Directors of Fino Payments Bank Limited (the "Bank") at its meeting held on Aug 13, 2026. These financial results have been subjected to a limited review by Bilimoria Mehta & Co., Chartered Accountants, the statutory auditors of the Bank. The financial results for the quarter ended June 30, 2025 were subjected to limited review by A P Sanzgiri & Co, Chartered Accountants. 2. The figures for the qua11er ended March 31, 2026 are balancing figures between audited figures in respect of the financial year 2025-26 and the published unaudited year to date figures up to December 31, 2025. 3. These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards prescribed under Section 133 of the Act read with relevant rules issued thereunder, in so far as they apply to Banks the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank oflndia ("the RBI") from time to time ('RBI Guidelines') and other accounting principles generally accepted in India, and is in compliance with the presentation and disclosure requirements of the Regulation 33 of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended including relevant circulars issued by the SEBI from time to time. 4. The Capital adequacy ratio ("CRAR") has been computed as per the Reserve Bank of India (Payments Banks - Prudential Norms on Capital Adequacy) Directions, 2025 (updated as on May 08, 2026) RBI/DOR/2025-26/211 DOR.CAP.REC.130/21-01-002/2025-26, no separate charge is prescribed for market risk and operational risk. However, Bank, as a conservative approach, has provided Market Risk Capital (MRC) Charge on its overall investment portfolio and foreign currency as [Showing first 8,000 characters — download PDF for full document]