## LCB Finance Surges: 9-Month PBT Jumps 100% to Rs. 443 Mn 📈

Lanka Credit and Business Finance PLC (LCB Finance) reported a stellar performance for the nine months ended December 31, 2025, doubling its profitability as the non-banking financial institution (NBFI) sector capitalizes on a domestic credit rebound. • Profitability Highlights • Profit Before Tax (PBT): Rs. 443.4 Mn, a precise 100% YoY increase compared to the previous period. • Profit After Tax (PAT): Significant growth supported by a sharp rise in net interest income, which surged over 82% to Rs. 3.28 Bn. • Earnings Per Share (EPS): Increased to Rs. 5.48, up from Rs. 4.03 YoY. • Balance Sheet & Assets • Total Assets: Expanded to Rs. 10.38 Bn, reflecting a 12.2% growth since March 2025. • Loan Portfolio: Strong momentum in gold loans and leasing, key drivers for rural credit penetration and MSME support. • Net Asset Value (NAV): Rose to Rs. 4.02 per share, signaling enhanced shareholder stability. • Operational Efficiency • Cost-to-Income Ratio: Maintained at a lean 49%, underscoring disciplined expense management during a high-growth phase. • Expansion: The company is on track to expand its reach to 25 branches, focusing on the co-operative sector and rural diversification.