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	Jun '26 Jun 30, 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	668.49	625.63	513.03	775.51	483.66	163.97
Interest Paid on Deposits	246.69	217.9	164.6	308.88	134.74	52.07
Net Interest Income	421.81	407.73	348.43	466.63	348.92	111.9
Net Interest Income Growth	16.13%	17.02%	-25.33%	33.73%	211.81%	19.20%
Gain (Loss) on Sale of Assets	-	-	-3.07	-	-	-
Gain (Loss) on Sale of Investments	0.05	0.05	0.01	0.03	-	3.88
Other Non-Interest Income	45.04	54.43	21.93	10.5	22.97	133.86
Total Non-Interest Income	45.09	54.47	18.88	10.53	22.97	137.74
Non-Interest Income Growth	71.28%	188.59%	79.28%	-54.16%	-83.33%	21.84%
Revenues Before Loan Losses	466.9	462.2	367.31	477.15	371.89	249.64
Provision for Loan Losses	-188.76	-91	-113.67	89.06	163.66	57.16
Revenue	655.66	553.21	480.98	388.09	208.23	192.49
Revenue Growth	20.78%	15.02%	23.93%	86.38%	8.18%	50.12%
Salaries and Employee Benefits	215.79	205.22	157.32	111.47	76.81	108.75
Selling, General & Administrative	3.13	3.13	3.35	-	-	-
Other Non-Interest Expense	271.17	247.96	196.6	154.67	87.95	89.24
Total Non-Interest Expense	502.82	456.31	355.4	266.11	164.02	197.83
EBT Excluding Unusual Items	152.84	96.9	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	269.44	213.5	199.74	161.76	88.86	39.46
Income Tax Expense	69.91	53.57	48.77	41.85	-3.47	1.52
Earnings From Continuing Operations	199.53	159.93	150.97	119.9	92.33	37.94
Earnings From Discontinued Operations	-	-	-	-	-35.4	-
Minority Interest in Earnings	-	-	-	-	17.34	7.59
Net Income	199.53	159.93	150.97	119.9	74.28	45.53
Net Income to Common	199.53	159.93	150.97	119.9	74.28	45.53
Net Income Growth	30.19%	5.93%	25.91%	61.42%	63.14%	-
Basic Shares Outstanding	9,591	9,552	9,552	9,552	9,552	9,552
Diluted Shares Outstanding	9,591	9,552	9,552	9,552	9,552	9,552
Shares Change	-2.51%	-	-	-	-	428.95%
EPS (Basic)	0.02	0.02	0.02	0.01	0.01	0.00
EPS (Diluted)	0.02	0.02	0.02	0.01	0.01	0.00
EPS Growth	33.55%	5.93%	58.05%	28.60%	63.16%	-
Effective Tax Rate	25.95%	25.09%	24.42%	25.87%	-	3.85%