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	2,026	2,143	2,013	1,522
Total Interest Expense	1,114	1,399	1,274	678.98
Net Interest Income	912.11	743.46	738.95	843.34
Commissions and Fees	91.53	62.98	47.7	54.01
Other Revenue	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,019	814.05	807.45	920.49
Provision for Loan Losses	102.55	59.17	332.66	264.06
Revenue	916.38	754.88	474.79	656.43
Revenue Growth (YoY)	21.39%	58.99%	-27.67%	-
Salaries & Employee Benefits	348.76	291.45	270.02	216.7
Cost of Services Provided	95.32	61.7	11.84	32.13
Other Operating Expenses	316.78	280.45	252.09	199.73
Total Operating Expenses	840.19	694.82	589.03	498.26
Operating Income	76.19	60.06	-114.24	158.18
EBT Excluding Unusual Items	76.19	60.06	-114.24	158.18
Pretax Income	79	61.55	-113.45	161.43
Income Tax Expense	39.01	60.08	-	80.31
Net Income	39.99	1.47	-113.45	81.12
Net Income to Common	39.99	1.47	-113.45	81.12
Net Income Growth	2616.59%	-	-	-
Shares Outstanding (Basic)	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,073	2,734	2,700	1,209
Shares Change (YoY)	12.38%	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	2316.17%	-	-	-
Free Cash Flow	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-0.70	0.52	0.71	-0.94
Operating Margin	8.31%	7.96%	-24.06%	24.10%
Profit Margin	4.36%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-234.69%	188.04%	406.17%	-173.01%
Effective Tax Rate	49.38%	97.61%	-	49.75%

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