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Risk Disclosures on Derivatives

>9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
>On an average, loss makers registered net trading loss close to ₹ 50,000.
>Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
>Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

FINO PAYMENTS BANK LTD.

NSE : FINOPBBSE : 543386ISIN CODE : INE02NC01014Industry : Bank - PrivateHouse : Private

BSE256.708 (+3.22 %)

PREV CLOSE ( ) 248.70

OPEN PRICE ( ) 248.80

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 16591

TODAY'S LOW / HIGH ( )248.70 258.30

52 WK LOW / HIGH ( )180.5 466.4

NSE256.908.25 (+3.32 %)

PREV CLOSE( ) 248.65

OPEN PRICE ( ) 248.65

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 256.90 (555)

VOLUME 209370

TODAY'S LOW / HIGH( ) 248.00 258.45

52 WK LOW / HIGH ( )200 467

Quarters

Select year

( in Million)

Particulars

Jun 2025

Mar 2025

Dec 2024

Sep 2024

Audited / UnAudited

Audited

UnAudited

Interest Earned

609.9

527.8

493.5

477.5

Income On Investments

448.7

397.6

376.6

368.4

Interest On Balances With Rbi Other Inter Bank Funds

155.6

126.7

116.9

109

Interest / Discount On Advances / Bills

0.1

Others

5.5

3.5

Other Income

3924.8

4407.1

4119.9

4076.6

Total Income

4534.7

4934.9

4613.4

4554.1

Interest Expended

283.7

259.9

256.5

250.5

Operating Expenses

4004.7

4378

4072.4

4044.3

Total Expenditure

4004.7

4378

4072.4

4044.3

Operating Profit Before Provisions and Contingencies

246.3

297

284.5

259.3

Exceptional Items

Provisions and contingencies

Profit Before Tax

246.3

297

284.5

259.3

Tax

68.7

53.4

47.8

Profit After Tax

177.6

240

231.1

211.5

+/- Extraordinary Items

0.00

+/- Prior period items

Net Profit

177.6

240

231.1

211.5

Equity Capital

832.2

832.1

Face Value (IN RS)

Reserves

% of Shares held by Govt

Capital Adequacy Ratio

Gross / Net NPAs

Amount of Gross NPAs

Amount of Net NPAs

% of Gross / Net NPAs

% of Net NPAs

% of Gross NPAs

Return on Assets

0.41

0.6

0.63

0.61

No of Public Share Holdings

% of Public Share Holdings

Basic Eps After Extraordinary Items

2.13

2.89

2.78

2.54

Basic Eps Before Extraordinary Items

2.13

2.89

2.78

2.54

PBIDTM%

40.38

56.27

57.64

54.30

PBDTM%

40.38

56.27

57.64

54.30

PBTM%

40.38

56.27

57.64

54.30

PATM%

29.11

45.47

46.82

44.29

Notes

Risk Disclosures on Derivatives

Quarterly Results

FINO PAYMENTS BANK LTD.