LB Finance PAT Surges 24% to Rs. 8.93 Bn 📈

• Financial Performance: LB Finance PLC reported a Profit After Tax (PAT) of Rs. 8.93 billion for the nine months ended 31 December 2025, a 24% YoY increase. Total Operating Income rose 24% to Rs. 27.18 billion, supported by a 23% growth in total income to Rs. 42.57 billion. • Balance Sheet & Assets: Total assets grew to Rs. 349.4 billion (Company) and Rs. 369 billion (Group). Loans and receivables expanded to Rs. 282.25 billion, while customer deposits reached Rs. 158.33 billion, reflecting strong public confidence in the financial services sector. • Profitability & Efficiency: • Return on Equity (ROE): 21.82% • Return on Assets (ROA): 4.03% • Cost-to-Income Ratio: 30% • Earnings per Share (EPS): Rs. 16.12 (up from Rs. 12.95) • Asset Quality & Liquidity: The Gross NPL ratio improved to 1.46% with a provision coverage of nearly 190%. Core Capital to Risk-Weighted Assets stood at 19.93%, well above regulatory requirements. • Strategic Moves: The company acquired a controlling stake in Associated Motor Finance Company PLC (AMF), strengthening its leasing and vehicle financing footprint. Expansion into the Philippines and digital growth via the 'LB CIM' platform remain key drivers for future regional scaling. _Note: Data based on nine-month interim financial results._