SMB Finance Balance Sheet

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	2015 - 2019
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	2015 - 2019
Cash & Equivalents	265.46	44.44	90.67	55.49	105.18	236.02	Upgrade
Investment Securities	2,854	3,045	2,728	2,559	2,544	344.7	Upgrade
Trading Asset Securities	-	0.04	0.03	-	7.84	8.17	Upgrade
Total Investments	2,854	3,045	2,728	2,559	2,552	352.87	Upgrade
Gross Loans	2,277	3,267	2,960	2,715	1,768	1,675	Upgrade
Allowance for Loan Losses	-	-682.16	-750.31	-636.87	-465.62	-404.66	Upgrade
Other Adjustments to Gross Loans	-	-802.77	-738.77	-222.96	-186.65	-200.51	Upgrade
Net Loans	2,277	1,783	1,471	1,855	1,116	1,070	Upgrade
Property, Plant & Equipment	141.84	132.81	84.49	38.48	36.11	56.46	Upgrade
Other Intangible Assets	265.49	268.25	263.66	245.09	5.61	6.49	Upgrade
Investments in Real Estate	883.84	708.05	637.24	402.93	157.68	112.66	Upgrade
Accrued Interest Receivable	-	-	-	-	11.79	-	Upgrade
Other Receivables	-	40.01	44.98	47.59	42.85	36.84	Upgrade
Other Current Assets	-	40.14	9.74	16.8	14.19	7.42	Upgrade
Long-Term Deferred Tax Assets	-	-	-	1.2	2.54	3.51	Upgrade
Other Long-Term Assets	99.6	41.7	0.52	3.53	11.95	16.57	Upgrade
Total Assets	6,788	6,103	5,330	5,225	4,056	1,899	Upgrade
Accrued Expenses	-	38.75	28.55	16.83	14.4	10.15	Upgrade
Interest Bearing Deposits	289.21	166.82	42.74	-	-	-	Upgrade
Total Deposits	289.21	166.82	42.74	-	-	-	Upgrade
Short-Term Borrowings	2,459	702.51	229.65	2.39	-	97.84	Upgrade
Current Portion of Long-Term Debt	139.18	470.77	414.04	421.37	247.77	377.98	Upgrade
Current Portion of Leases	-	11.74	9.62	5.91	6.68	5.26	Upgrade
Current Income Taxes Payable	-	19.02	-	-	-	-	Upgrade
Long-Term Debt	-	889.73	992.2	1,272	400.79	241.49	Upgrade
Long-Term Leases	61.1	51.81	12.16	8.97	10.03	18.52	Upgrade
Long-Term Unearned Revenue	-	68.34	80.67	79.56	43.56	18.28	Upgrade
Pension & Post-Retirement Benefits	26.64	21.79	13.64	23.16	25.89	30.37	Upgrade
Other Long-Term Liabilities	107.48	23.73	20.16	22.59	17.39	14.72	Upgrade
Total Liabilities	3,083	2,465	1,843	1,852	766.48	814.62	Upgrade
Common Stock	3,063	3,063	3,063	3,063	3,063	919.06	Upgrade
Retained Earnings	574.35	506.53	359.53	249.39	172.16	127.55	Upgrade
Comprehensive Income & Other	68.52	68.52	64.54	52.47	29.59	8.25	Upgrade
Total Common Equity	3,706	3,638	3,487	3,365	3,264	1,055	Upgrade
Minority Interest	-	-	-	8.51	24.63	29.42	Upgrade
Shareholders' Equity	3,706	3,638	3,487	3,373	3,289	1,084	Upgrade
Total Liabilities & Equity	6,788	6,103	5,330	5,225	4,056	1,899	Upgrade
Total Debt	2,659	2,127	1,658	1,710	665.26	741.09	Upgrade
Net Cash (Debt)	313.41	842.39	1,002	746.83	1,858	-264.46	Upgrade
Net Cash Growth	-68.29%	-15.90%	34.12%	-59.81%	-	-	Upgrade
Net Cash Per Share	0.03	0.09	0.10	0.08	0.19	-0.15	Upgrade
Filing Date Shares Outstanding	9,552	9,552	9,552	9,552	9,552	1,806	Upgrade
Total Common Shares Outstanding	9,552	9,552	9,552	9,552	9,552	1,806	Upgrade
Book Value Per Share	0.39	0.38	0.37	0.35	0.34	0.58	Upgrade
Tangible Book Value	3,440	3,369	3,223	3,119	3,259	1,048	Upgrade
Tangible Book Value Per Share	0.36	0.35	0.34	0.33	0.34	0.58	Upgrade

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