UB Finance Income Statement

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

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	2,246	2,026	2,143	2,013	1,522
Total Interest Expense	1,096	1,114	1,399	1,274	678.98
Net Interest Income	1,150	912.11	743.46	738.95	843.34
Commissions and Fees	118.88	91.53	62.98	47.7	54.01
Other Revenue	15.3	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,284	1,019	814.05	807.45	920.49
Provision for Loan Losses	104.12	85.89	46.87	332.66	264.06
Revenue	1,180	933.05	767.18	474.79	656.43
Revenue Growth (YoY)	43.08%	21.62%	61.58%	-27.67%	-
Salaries & Employee Benefits	410.24	348.76	291.45	270.02	216.7
Cost of Services Provided	106.16	95.32	61.7	11.84	32.13
Other Operating Expenses	389.79	316.78	280.45	252.09	199.73
Total Operating Expenses	991.74	840.19	694.82	589.03	498.26
Operating Income	188.19	92.86	72.36	-114.24	158.18
EBT Excluding Unusual Items	188.19	92.86	72.36	-114.24	158.18
Pretax Income	173.64	79	61.55	-113.45	161.43
Income Tax Expense	87.27	39.01	60.08	-	80.31
Net Income	86.37	39.99	1.47	-113.45	81.12
Net Income to Common	86.37	39.99	1.47	-113.45	81.12
Net Income Growth	-	2616.59%	-	-	-
Shares Outstanding (Basic)	2,268	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	2,268	3,073	2,734	2,700	1,209
Shares Change (YoY)	-28.64%	12.38%	1.27%	123.39%	-
EPS (Basic)	0.04	0.01	0.00	-0.04	0.07
EPS (Diluted)	0.04	0.01	0.00	-0.04	0.07
EPS Growth	-	2316.17%	-	-	-
Free Cash Flow	-2,707	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-1.19	-0.70	0.52	0.71	-0.94
Operating Margin	15.95%	9.95%	9.43%	-24.06%	24.10%
Profit Margin	7.32%	4.29%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-229.45%	-230.50%	185.03%	406.17%	-173.01%
Effective Tax Rate	50.26%	49.38%	97.61%	-	49.75%

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