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	Dec '25 Dec 31, 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	2,376	2,026	2,143	2,013	1,522
Total Interest Expense	1,149	1,114	1,399	1,274	678.98
Net Interest Income	1,227	912.11	743.46	738.95	843.34
Commissions and Fees	130.43	91.53	62.98	47.7	54.01
Other Revenue	15.3	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,373	1,019	814.05	807.45	920.49
Provision for Loan Losses	120.14	85.89	46.87	332.66	264.06
Revenue	1,252	933.05	767.18	474.79	656.43
Revenue Growth (YoY)	44.44%	21.62%	61.58%	-27.67%	-
Salaries & Employee Benefits	436.74	348.76	291.45	270.02	216.7
Cost of Services Provided	127.56	95.32	61.7	11.84	32.13
Other Operating Expenses	400.77	316.78	280.45	252.09	199.73
Total Operating Expenses	1,056	840.19	694.82	589.03	498.26
Operating Income	196.5	92.86	72.36	-114.24	158.18
EBT Excluding Unusual Items	196.5	92.86	72.36	-114.24	158.18
Pretax Income	180.28	79	61.55	-113.45	161.43
Income Tax Expense	79.01	39.01	60.08	-	80.31
Net Income	101.27	39.99	1.47	-113.45	81.12
Net Income to Common	101.27	39.99	1.47	-113.45	81.12
Net Income Growth	-	2616.59%	-	-	-
Shares Outstanding (Basic)	3,293	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,293	3,073	2,734	2,700	1,209
Shares Change (YoY)	3.60%	12.38%	1.27%	123.39%	-
EPS (Basic)	0.03	0.01	0.00	-0.04	0.07
EPS (Diluted)	0.03	0.01	0.00	-0.04	0.07
EPS Growth	-	2316.17%	-	-	-
Free Cash Flow	-3,355	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-1.02	-0.70	0.52	0.71	-0.94
Operating Margin	15.69%	9.95%	9.43%	-24.06%	24.10%
Profit Margin	8.09%	4.29%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-267.89%	-230.50%	185.03%	406.17%	-173.01%
Effective Tax Rate	43.82%	49.38%	97.61%	-	49.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.