SMB Finance Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	625.64	513.03	775.51	483.66	163.97
Interest Paid on Deposits	217.9	164.6	308.88	134.74	52.07
Net Interest Income	407.74	348.43	466.63	348.92	111.9
Net Interest Income Growth (YoY)	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	50.87	22.91	10.5	22.97	133.86
Total Non-Interest Income	50.87	18.88	10.53	22.97	137.74
Non-Interest Income Growth (YoY)	169.50%	79.28%	-54.16%	-83.33%	21.84%
Revenues Before Loan Losses	458.61	367.31	477.15	371.89	249.64
Provision for Loan Losses	-92.27	-113.67	89.06	163.66	57.16
Revenue	550.88	480.98	388.09	208.23	192.49
Revenue Growth (YoY)	14.53%	23.93%	86.38%	8.18%	50.12%
Salaries and Employee Benefits	204.56	157.32	111.47	76.81	108.75
Occupancy Expenses	129.45	-	-	-	-
Other Non-Interest Expense	106.42	199.95	154.67	87.95	89.24
Total Non-Interest Expense	440.43	355.4	266.11	164.02	197.83
EBT Excluding Unusual Items	110.45	125.57	121.98	44.21	-5.35
Asset Writedown	116.6	74.17	38.37	44.65	44.81
Other Unusual Items	-	-	1.4	-	-
Pretax Income	227.05	199.74	161.76	88.86	39.46
Income Tax Expense	56.8	48.77	41.85	-3.47	1.52
Earnings From Continuing Operations	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	170.25	150.97	119.9	74.28	45.53
Net Income to Common	170.25	150.97	119.9	74.28	45.53
Net Income Growth	12.77%	25.91%	61.42%	63.14%	-
Basic Shares Outstanding	9,459	9,552	9,552	9,552	9,552
Diluted Shares Outstanding	9,459	9,552	9,552	9,552	9,552
Shares Change (YoY)	-0.98%	-	-	-	428.95%
EPS (Basic)	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.02	0.02	0.01	0.01	0.00
EPS Growth	13.89%	58.05%	28.60%	63.16%	-
Effective Tax Rate	25.02%	24.42%	25.87%	-	3.85%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.