📈 Senkadagala Finance Posts Record Rs. 2.05 Bn Group Profit in FY 2025/26

Overall Figures • Group Profit After Tax: Reached a record Rs. 2.05 Bn, growing 16% YoY. • Company-Level Profit: Stood at Rs. 1.85 Bn, a 14% increase YoY. • Total Assets: Expanded by 40% to cross the milestone at Rs. 57.1 Bn. • Net Interest Income: Rose by 9% YoY to reach Rs. 6.25 Bn. Core Lending & Performance Metrics • Core Lending Portfolio: Finance leasing and hire purchases rose from Rs. 26.5 Bn to Rs. 34.6 Bn due to strong demand for vehicle and asset financing. • Net Interest Margin: Reached 14.50%, outperforming the sector average of 10.01%. • Return on Equity (ROE): Recorded at 16.42%. • Cost to Income Ratio: Managed efficiently at 42.62% versus the industry's 46.92%. Asset Quality & Capital Position • Asset Quality: The Gross Stage 3 loans ratio improved, declining to 5.43% from 7.24% the previous year. Total provision coverage ratio stood at 7.18%. • Capital & Liquidity: Raised Rs. 1.035 Bn in fresh equity via a Rights Issue in February 2026. Total equity closed at Rs. 12.57 Bn. • Capital Adequacy Ratio: Stood strong at 23.84%, well above the 12.50% regulatory floor. Available liquid assets reached 485% of the required level (Rs. 8.89 Bn). • Credit Rating: Maintained a BBB (lka) rating with a stable outlook by Fitch Ratings Lanka. Footprint & Workforce • Network Expansion: Opened 24 new branches during the year, reaching a landmark 150th branch in June 2026. • Employment: The workforce expanded by 23% to 1,215 employees, supporting domestic job creation amid the expanding lending network.