SMB Finance Income Statement

Financials in millions LKR. Fiscal year is January - December.

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	579.47	513.03	775.51	483.66	163.97	154.25
Interest Paid on Deposits	202.7	164.6	308.88	134.74	52.07	60.37
Net Interest Income	376.77	348.43	466.63	348.92	111.9	93.88
Net Interest Income Growth (YoY)	-2.72%	-25.33%	33.73%	211.81%	19.20%	-49.65%
Gain (Loss) on Sale of Assets	-4.04	-4.04	-	-	-	0.19
Gain (Loss) on Sale of Investments	0.01	0.01	0.03	-	3.88	1.38
Other Non-Interest Income	34.62	22.91	10.5	22.97	133.86	111.49
Total Non-Interest Income	30.59	18.88	10.53	22.97	137.74	113.06
Non-Interest Income Growth (YoY)	96.61%	79.28%	-54.16%	-83.33%	21.84%	18.77%
Revenues Before Loan Losses	407.36	367.31	477.15	371.89	249.64	206.94
Provision for Loan Losses	-168.97	-113.67	89.06	163.66	57.16	78.72
Revenue	576.33	480.98	388.09	208.23	192.49	128.22
Revenue Growth (YoY)	43.89%	23.93%	86.38%	8.18%	50.12%	-39.18%
Salaries and Employee Benefits	190.52	157.32	111.47	76.81	108.75	106.53
Other Non-Interest Expense	215.28	199.95	154.67	87.95	89.24	87.64
Total Non-Interest Expense	424.38	355.4	266.11	164.02	197.83	191.86
EBT Excluding Unusual Items	151.94	125.57	121.98	44.21	-5.35	-63.65
Asset Writedown	74.17	74.17	38.37	44.65	44.81	5.68
Other Unusual Items	-	-	1.4	-	-	-
Pretax Income	226.11	199.74	161.76	88.86	39.46	-57.97
Income Tax Expense	64.43	48.77	41.85	-3.47	1.52	3.36
Earnings From Continuing Operations	161.68	150.97	119.9	92.33	37.94	-61.33
Earnings From Discontinued Operations	-	-	-	-35.4	-	-
Minority Interest in Earnings	-	-	-	17.34	7.59	-4.47
Net Income	161.68	150.97	119.9	74.28	45.53	-65.8
Net Income to Common	161.68	150.97	119.9	74.28	45.53	-65.8
Net Income Growth	123.10%	25.91%	61.42%	63.14%	-	-
Basic Shares Outstanding	9,680	9,552	9,552	9,552	9,552	1,806
Diluted Shares Outstanding	9,680	9,552	9,552	9,552	9,552	1,806
Shares Change (YoY)	1.22%	-	-	-	428.95%	-
EPS (Basic)	0.02	0.02	0.01	0.01	0.00	-0.04
EPS (Diluted)	0.02	0.02	0.01	0.01	0.00	-0.04
EPS Growth	232.20%	58.05%	28.60%	63.16%	-	-
Effective Tax Rate	28.50%	24.42%	25.87%	-	3.85%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.