SMB Finance Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	647.8	625.64	513.03	775.51	483.66	163.97
Interest Paid on Deposits	232.9	217.9	164.6	308.88	134.74	52.07
Net Interest Income	414.9	407.74	348.43	466.63	348.92	111.9
Net Interest Income Growth (YoY)	14.69%	17.02%	-25.33%	33.73%	211.81%	19.20%
Gain (Loss) on Sale of Assets	-	-	-4.04	-	-	-
Gain (Loss) on Sale of Investments	-	-	0.01	0.03	-	3.88
Other Non-Interest Income	45.74	50.87	22.91	10.5	22.97	133.86
Total Non-Interest Income	45.74	50.87	18.88	10.53	22.97	137.74
Non-Interest Income Growth (YoY)	103.08%	169.50%	79.28%	-54.16%	-83.33%	21.84%
Revenues Before Loan Losses	460.64	458.61	367.31	477.15	371.89	249.64
Provision for Loan Losses	-188.76	-92.27	-113.67	89.06	163.66	57.16
Revenue	649.4	550.88	480.98	388.09	208.23	192.49
Revenue Growth (YoY)	24.56%	14.53%	23.93%	86.38%	8.18%	50.12%
Salaries and Employee Benefits	210.89	204.56	157.32	111.47	76.81	108.75
Occupancy Expenses	135.94	129.45	-	-	-	-
Other Non-Interest Expense	111.22	106.42	199.95	154.67	87.95	89.24
Total Non-Interest Expense	458.04	440.43	355.4	266.11	164.02	197.83
EBT Excluding Unusual Items	191.35	110.45	125.57	121.98	44.21	-5.35
Asset Writedown	116.6	116.6	74.17	38.37	44.65	44.81
Other Unusual Items	-	-	-	1.4	-	-
Pretax Income	307.95	227.05	199.74	161.76	88.86	39.46
Income Tax Expense	77.06	56.8	48.77	41.85	-3.47	1.52
Earnings From Continuing Operations	230.89	170.25	150.97	119.9	92.33	37.94
Earnings From Discontinued Operations	-	-	-	-	-35.4	-
Minority Interest in Earnings	-	-	-	-	17.34	7.59
Net Income	230.89	170.25	150.97	119.9	74.28	45.53
Net Income to Common	230.89	170.25	150.97	119.9	74.28	45.53
Net Income Growth	44.78%	12.77%	25.91%	61.42%	63.14%	-
Basic Shares Outstanding	8,823	9,459	9,552	9,552	9,552	9,552
Diluted Shares Outstanding	8,823	9,459	9,552	9,552	9,552	9,552
Shares Change (YoY)	-12.94%	-0.98%	-	-	-	428.95%
EPS (Basic)	0.03	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01	0.00
EPS Growth	66.31%	13.89%	58.05%	28.60%	63.16%	-
Effective Tax Rate	25.02%	25.02%	24.42%	25.87%	-	3.85%