SMB Finance PLC (COSE:SEMB.N0000)
Sri Lanka
· Delayed Price · Currency is LKR 0.700
0.00 (0.00%)
At close: Dec 5, 2025
SMB Finance Income Statement
Financials in millions LKR. Fiscal year is January - December.
Millions LKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 579.47 | 513.03 | 775.51 | 483.66 | 163.97 | 154.25 | Upgrade
|
| Interest Paid on Deposits | 202.7 | 164.6 | 308.88 | 134.74 | 52.07 | 60.37 | Upgrade
|
| Net Interest Income | 376.77 | 348.43 | 466.63 | 348.92 | 111.9 | 93.88 | Upgrade
|
| Net Interest Income Growth (YoY) | -2.72% | -25.33% | 33.73% | 211.81% | 19.20% | -49.65% | Upgrade
|
| Gain (Loss) on Sale of Assets | -4.04 | -4.04 | - | - | - | 0.19 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.01 | 0.01 | 0.03 | - | 3.88 | 1.38 | Upgrade
|
| Other Non-Interest Income | 34.62 | 22.91 | 10.5 | 22.97 | 133.86 | 111.49 | Upgrade
|
| Total Non-Interest Income | 30.59 | 18.88 | 10.53 | 22.97 | 137.74 | 113.06 | Upgrade
|
| Non-Interest Income Growth (YoY) | 96.61% | 79.28% | -54.16% | -83.33% | 21.84% | 18.77% | Upgrade
|
| Revenues Before Loan Losses | 407.36 | 367.31 | 477.15 | 371.89 | 249.64 | 206.94 | Upgrade
|
| Provision for Loan Losses | -168.97 | -113.67 | 89.06 | 163.66 | 57.16 | 78.72 | Upgrade
|
| Revenue | 576.33 | 480.98 | 388.09 | 208.23 | 192.49 | 128.22 | Upgrade
|
| Revenue Growth (YoY) | 43.89% | 23.93% | 86.38% | 8.18% | 50.12% | -39.18% | Upgrade
|
| Salaries and Employee Benefits | 190.52 | 157.32 | 111.47 | 76.81 | 108.75 | 106.53 | Upgrade
|
| Other Non-Interest Expense | 215.28 | 199.95 | 154.67 | 87.95 | 89.24 | 87.64 | Upgrade
|
| Total Non-Interest Expense | 424.38 | 355.4 | 266.11 | 164.02 | 197.83 | 191.86 | Upgrade
|
| EBT Excluding Unusual Items | 151.94 | 125.57 | 121.98 | 44.21 | -5.35 | -63.65 | Upgrade
|
| Asset Writedown | 74.17 | 74.17 | 38.37 | 44.65 | 44.81 | 5.68 | Upgrade
|
| Other Unusual Items | - | - | 1.4 | - | - | - | Upgrade
|
| Pretax Income | 226.11 | 199.74 | 161.76 | 88.86 | 39.46 | -57.97 | Upgrade
|
| Income Tax Expense | 64.43 | 48.77 | 41.85 | -3.47 | 1.52 | 3.36 | Upgrade
|
| Earnings From Continuing Operations | 161.68 | 150.97 | 119.9 | 92.33 | 37.94 | -61.33 | Upgrade
|
| Earnings From Discontinued Operations | - | - | - | -35.4 | - | - | Upgrade
|
| Minority Interest in Earnings | - | - | - | 17.34 | 7.59 | -4.47 | Upgrade
|
| Net Income | 161.68 | 150.97 | 119.9 | 74.28 | 45.53 | -65.8 | Upgrade
|
| Net Income to Common | 161.68 | 150.97 | 119.9 | 74.28 | 45.53 | -65.8 | Upgrade
|
| Net Income Growth | 123.10% | 25.91% | 61.42% | 63.14% | - | - | Upgrade
|
| Basic Shares Outstanding | 9,680 | 9,552 | 9,552 | 9,552 | 9,552 | 1,806 | Upgrade
|
| Diluted Shares Outstanding | 9,680 | 9,552 | 9,552 | 9,552 | 9,552 | 1,806 | Upgrade
|
| Shares Change (YoY) | 1.22% | - | - | - | 428.95% | - | Upgrade
|
| EPS (Basic) | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | -0.04 | Upgrade
|
| EPS (Diluted) | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | -0.04 | Upgrade
|
| EPS Growth | 232.20% | 58.05% | 28.60% | 63.16% | - | - | Upgrade
|
| Effective Tax Rate | 28.50% | 24.42% | 25.87% | - | 3.85% | - | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.