Fintrex Finance PLC has reported an exceptional financial performance for the nine months ended 31 December 2025, recording a Year-to-Date Profit After Tax (PAT) of LKR 478 million — a 352% increase over the corresponding period last year. The results underscore strong operational momentum, disciplined balance sheet management, and continued strategic transformation.

Robust Top-Line and Margin Expansion

Gross income for the nine-month period rose 79% year-on-year to LKR 4.80 billion, with the December 2025 quarter contributing LKR 1.86 billion — a 94% increase over the comparable quarter. Interest income grew 61% to LKR 4.11 billion, supported by a significant expansion in earning assets and strong business volumes.

Interest expenses increased at a comparatively moderate 33% to LKR 1.73 billion, driving a 91% surge in Net Interest Income (NII) to LKR 2.38 billion. Notably, NII for the December quarter rose 117% to LKR 955 million, reflecting effective asset–liability management, improved spreads, and strategic repricing across the portfolio.

Diversified Revenue Base Enhances Earnings Quality

Net fee and commission income grew 422% year-on-year to LKR 667.6 million, reflecting successful diversification beyond traditional interest-based revenue streams. In the December quarter alone, fee income increased 306% to LKR 252.4 million.

Consequently, total operating income for the nine months rose 121% to LKR 3.08 billion, while Q3 operating income climbed 142% to LKR 1.21 billion, strengthening the Company’s earnings profile.

Basic and diluted earnings per share (EPS) increased to LKR 2.02 from LKR 0.45 in the prior year. For the December quarter, EPS improved to LKR 0.81 from LKR 0.18 — a 353% growth.

Prudent Risk Management and Strengthened Capital Base

Impairment provisions increased in line with loan book growth, reflecting conservative IFRS 9 overlays and forward-looking buffers rather than asset quality deterioration. This proactive provision reinforces resilience and positions the Company for sustainable expansion.

Total assets reached LKR 29.8 billion as at 31 December 2025, up 37% year-on-year, driven by a 68% increase in loans and advances. Customer deposits grew 19% to LKR 11.6 billion, reaffirming depositor confidence, while diversified borrowings supported asset growth. Liquidity remained healthy with improved funding efficiency and reduced short-term overdraft reliance.

During the year, Fintrex further strengthened its capital position through the issuance of a LKR 500 million unsecured Tier II Trust Certificate and completion of a rights issue, with proceeds raised pending SEC approval following clearance from the Central Bank of Sri Lanka. A Board-approved forward capital plan supports regulatory compliance and growth over the next three years.

Digital Innovation and Strategic Outlook

Guided by its strategic theme “Smart Finance, Smarter Future,” Fintrex continued advancing digital initiatives, including mobile-based financing solutions and the launch of a new laptop financing product targeting entrepreneurs, students, and SMEs. The Company is nearing the rollout of its Fintrex Mobile Banking App and digital wallet, alongside migration to a modern core banking system and implementation of a real-time MIS dashboard to enhance analytics and performance oversight.

Under the strategic leadership of its Board, chaired by Mr. Ajit Gunewardene, Fintrex remains focused on disciplined growth, robust governance, and long-term value creation.

With strengthened capital buffers, diversified income streams, and sustained profitability momentum, Fintrex Finance PLC is well positioned to deliver sustainable returns and reinforce confidence among banking partners, institutional stakeholders, and high net worth investors.

The Company continues to benefit from strong governance and strategic oversight under the leadership of its Chairman, Mr. Ajit Gunewardene, together with a highly experienced Board of Directors comprising Mr. Ronnie Peiris, Mr. Shantanu Nagpal, Mr. Ahamed Sabry Ibrahim, Mr. Shrihan B. Perera, Mr. Nilam Jayasinghe, Mr. Jayashantha De Fonseka, Mr. Indrajit Wickramasinghe, and Mr. Darshan Perera, whose collective expertise continues to guide Fintrex Finance PLC in strengthening its financial position, enhancing stakeholder value, and driving sustainable long-term growth.