UB Finance PLC (COSE:UBF.N0000)

UB Finance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest and Dividend Income	1,972	2,143	2,013	1,522
Total Interest Expense	1,187	1,399	1,274	678.98
Net Interest Income	785.54	743.46	738.95	843.34
Commissions and Fees	96.33	62.98	47.7	54.01
Other Revenue	6.92	6.92	20.8	23.14
Revenue Before Loan Losses	888.78	813.35	807.45	920.49
Provision for Loan Losses	34.69	59.17	332.66	264.06
Revenue	854.09	754.18	474.79	656.43
Revenue Growth (YoY)	18.55%	58.85%	-27.67%	-
Salaries & Employee Benefits	332.36	291.45	270.02	216.7
Cost of Services Provided	26.57	17.23	11.84	32.13
Other Operating Expenses	352.77	324.22	252.09	199.73
Total Operating Expenses	786.05	694.12	589.03	498.26
Operating Income	68.04	60.06	-114.24	158.18
EBT Excluding Unusual Items	68.04	60.06	-114.24	158.18
Pretax Income	69.53	61.55	-113.45	161.43
Income Tax Expense	73.12	60.08	-	80.31
Net Income	-3.59	1.47	-113.45	81.12
Net Income to Common	-3.59	1.47	-113.45	81.12
Shares Outstanding (Basic)	3,178	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,178	2,734	2,700	1,209
Shares Change (YoY)	15.38%	1.27%	123.39%	-
EPS (Basic)	-0.00	0.00	-0.04	0.07
EPS (Diluted)	-0.00	0.00	-0.04	0.07
Free Cash Flow	-2,139	1,388	1,928	-1,136
Free Cash Flow Per Share	-0.67	0.51	0.71	-0.94
Operating Margin	7.97%	7.96%	-24.06%	24.10%
Profit Margin	-0.42%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-250.49%	183.98%	406.17%	-173.01%
Effective Tax Rate	105.16%	97.61%	-	49.75%

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