UB Finance Income Statement

Financials in millions LKR. Fiscal year is April - March.

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	1,969	2,143	2,013	1,522
Total Interest Expense	1,114	1,399	1,274	678.98
Net Interest Income	855.16	743.46	738.95	843.34
Commissions and Fees	91.53	62.98	47.7	54.01
Other Revenue	-	6.92	20.8	23.14
Revenue Before Loan Losses	946.69	813.35	807.45	920.49
Provision for Loan Losses	54.86	59.17	332.66	264.06
Revenue	891.83	754.18	474.79	656.43
Revenue Growth (YoY)	18.25%	58.85%	-27.67%	-
Salaries & Employee Benefits	348.76	291.45	270.02	216.7
Cost of Services Provided	30.71	17.23	11.84	32.13
Other Operating Expenses	364.85	324.22	252.09	199.73
Total Operating Expenses	823.65	694.12	589.03	498.26
Operating Income	68.18	60.06	-114.24	158.18
EBT Excluding Unusual Items	68.18	60.06	-114.24	158.18
Pretax Income	68.18	61.55	-113.45	161.43
Income Tax Expense	37.66	60.08	-	80.31
Net Income	30.52	1.47	-113.45	81.12
Net Income to Common	30.52	1.47	-113.45	81.12
Net Income Growth	1973.07%	-	-	-
Shares Outstanding (Basic)	3,052	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,052	2,734	2,700	1,209
Shares Change (YoY)	11.63%	1.27%	123.39%	-
EPS (Basic)	0.01	0.00	-0.04	0.07
EPS (Diluted)	0.01	0.00	-0.04	0.07
EPS Growth	1758.74%	-	-	-
Free Cash Flow	-2,181	1,388	1,928	-1,136
Free Cash Flow Per Share	-0.71	0.51	0.71	-0.94
Operating Margin	7.65%	7.96%	-24.06%	24.10%
Profit Margin	3.42%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-244.56%	183.98%	406.17%	-173.01%
Effective Tax Rate	55.23%	97.61%	-	49.75%

Updated Feb 11, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.