Fino Payments Bank Limited - Asset Resilience Ratio

Latest as of March 2023: -8.73%

Fino Payments Bank Limited (FINOPB) has an Asset Resilience Ratio of -8.73% as of March 2023. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check how strategically is Fino Payments Bank Limited's equity deployed to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Rs-2.15 Billion

≈ $-23.29 Million USD Cash + Short-term Investments

Total Assets

Rs24.66 Billion

≈ $266.73 Million USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2019–2024)

This chart shows how Fino Payments Bank Limited's Asset Resilience Ratio has changed over time. See FINOPB net asset quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Fino Payments Bank Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Fino Payments Bank Limited (FINOPB) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs-2.15 Billion	-8.73%
Total Liquid Assets	Rs-2.15 Billion	-8.73%

Asset Resilience Insights

Limited Liquidity: Fino Payments Bank Limited maintains only -8.73% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Fino Payments Bank Limited Industry Peers by Asset Resilience Ratio

Compare Fino Payments Bank Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Bank of Shanghai Co Ltd SHG:601229	Banks - Regional	-17.10%
WOORI FIN. GRP SP.ADR/3 F:2WGA	Banks - Regional	13.88%
Graubuendner Kantonalbank SW:GRKP	Banks - Regional	-38.39%
TF Bank AB ST:TFBANK	Banks - Regional	-0.15%
Banco do Estado do Rio Grande do Sul S.A SA:BRSR3	Banks - Regional	0.00%
Danske Andelskassers Bank A/S CO:DAB	Banks - Regional	0.47%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%

Annual Asset Resilience Ratio for Fino Payments Bank Limited (2019–2024)

The table below shows the annual Asset Resilience Ratio data for Fino Payments Bank Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-03-31	-9.24%	Rs-3.16 Billion ≈ $-34.17 Million	Rs34.19 Billion ≈ $369.76 Million	-0.51pp
2023-03-31	-8.73%	Rs-2.15 Billion ≈ $-23.29 Million	Rs24.66 Billion ≈ $266.73 Million	+4.02pp
2022-03-31	-12.75%	Rs-2.14 Billion ≈ $-23.17 Million	Rs16.80 Billion ≈ $181.69 Million	-4.64pp
2021-03-31	-8.11%	Rs-819.30 Million ≈ $-8.86 Million	Rs10.10 Billion ≈ $109.26 Million	+11.16pp
2020-03-31	-19.27%	Rs-1.20 Billion ≈ $-13.00 Million	Rs6.24 Billion ≈ $67.48 Million	+1.30pp
2019-03-31	-20.56%	Rs-1.41 Billion ≈ $-15.21 Million	Rs6.84 Billion ≈ $73.98 Million	--

pp = percentage points

About Fino Payments Bank Limited

NSE:FINOPB India Banks - Regional

Market Cap

$140.59 Million

Rs13.00 Billion INR

Market Cap Rank

#17953 Global

#944 in India

Share Price

Rs156.21

Change (1 day)

-0.67%

52-Week Range

Rs112.46 - Rs336.00

All Time High

Rs543.90