UB Finance Income Statement

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

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	2,555	2,026	2,143	2,013	1,522
Total Interest Expense	1,246	1,114	1,399	1,274	678.98
Net Interest Income	1,308	912.11	743.46	738.95	843.34
Commissions and Fees	150.69	91.53	62.98	47.7	54.01
Other Revenue	7.19	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,466	1,019	814.05	807.45	920.49
Provision for Loan Losses	87.7	85.89	46.87	332.66	264.06
Revenue	1,379	933.05	767.18	474.79	656.43
Revenue Growth (YoY)	47.76%	21.62%	61.58%	-27.67%	-
Salaries & Employee Benefits	438.56	348.76	291.45	270.02	216.7
Cost of Services Provided	101.44	95.32	61.7	11.84	32.13
Other Operating Expenses	469.5	316.78	280.45	252.09	199.73
Total Operating Expenses	1,109	840.19	694.82	589.03	498.26
Operating Income	269.49	92.86	72.36	-114.24	158.18
EBT Excluding Unusual Items	269.49	92.86	72.36	-114.24	158.18
Pretax Income	256.24	79	61.55	-113.45	161.43
Income Tax Expense	144.44	39.01	60.08	-	80.31
Net Income	111.8	39.99	1.47	-113.45	81.12
Net Income to Common	111.8	39.99	1.47	-113.45	81.12
Net Income Growth	179.54%	2616.59%	-	-	-
Shares Outstanding (Basic)	3,178	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,178	3,073	2,734	2,700	1,209
Shares Change (YoY)	3.45%	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	169.25%	2316.17%	-	-	-
Free Cash Flow	-4,329	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-1.36	-0.70	0.52	0.71	-0.94
Operating Margin	19.55%	9.95%	9.43%	-24.06%	24.10%
Profit Margin	8.11%	4.29%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-314.03%	-230.50%	185.03%	406.17%	-173.01%
Effective Tax Rate	56.37%	49.38%	97.61%	-	49.75%