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	2,527	2,026	2,143	2,013	1,522
Total Interest Expense	1,245	1,114	1,399	1,274	678.98
Net Interest Income	1,283	912.11	743.46	738.95	843.34
Commissions and Fees	202.19	91.53	62.98	47.7	54.01
Other Revenue	-	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,485	1,019	814.05	807.45	920.49
Provision for Loan Losses	89.13	85.89	46.87	332.66	264.06
Revenue	1,396	933.05	767.18	474.79	656.43
Revenue Growth (YoY)	49.58%	21.62%	61.58%	-27.67%	-
Salaries & Employee Benefits	438.56	348.76	291.45	270.02	216.7
Cost of Services Provided	58.55	95.32	61.7	11.84	32.13
Other Operating Expenses	538.45	316.78	280.45	252.09	199.73
Total Operating Expenses	1,135	840.19	694.82	589.03	498.26
Operating Income	260.42	92.86	72.36	-114.24	158.18
EBT Excluding Unusual Items	260.42	92.86	72.36	-114.24	158.18
Pretax Income	241.38	79	61.55	-113.45	161.43
Income Tax Expense	133.83	39.01	60.08	-	80.31
Net Income	107.55	39.99	1.47	-113.45	81.12
Net Income to Common	107.55	39.99	1.47	-113.45	81.12
Net Income Growth	168.91%	2616.59%	-	-	-
Shares Outstanding (Basic)	3,163	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,163	3,073	2,734	2,700	1,209
Shares Change (YoY)	2.95%	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	161.56%	2316.17%	-	-	-
Free Cash Flow	-4,397	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-1.39	-0.70	0.52	0.71	-0.94
Operating Margin	18.66%	9.95%	9.43%	-24.06%	24.10%
Profit Margin	7.71%	4.29%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-315.08%	-230.50%	185.03%	406.17%	-173.01%
Effective Tax Rate	55.45%	49.38%	97.61%	-	49.75%