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

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