📈 Siyapatha Finance 1H2026: Assets Cross Rs. 104 Bn as PAT Jumps 43%

Siyapatha Finance PLC (a subsidiary of Sampath Bank Group) reported strong financial results for the six months ended 30 June 2026, supported by lower impairment costs and accelerated loan growth amid broader macroeconomic recovery. • Financial Performance: • Profit After Tax (PAT): Rs. 1,007 Mn (+43% YoY from Rs. 706 Mn) • Profit Before Tax (PBT): Rs. 2,334 Mn (+38% YoY from Rs. 1,689 Mn) • Net Interest Income: Rs. 3,487 Mn (+32.6% YoY from Rs. 2,629 Mn) • Total Interest Income: Rs. 7,719 Mn (vs. Rs. 5,272 Mn in 1H2025) • Cost-to-Income Ratio: Improved to 49% (from 54%) • Balance Sheet & Asset Quality: • Total Assets: Expanded to Rs. 104 Bn (vs. Rs. 74 Bn as at 1H2025) • Total Loan Book: Grew 44% YoY to Rs. 99 Bn • Customer Deposits: Increased to Rs. 42 Bn (from Rs. 34 Bn) • Gross Stage 3 Ratio: Improved significantly to 4% (from 8%) • Net Stage 3 Ratio: Reduced to 2% (from 3%) • Net Asset Value per Share: Rs. 109.63 (from Rs. 91.07) • Capital Position & Footprint: • Tier 1 Capital Ratio: 11.88% (Regulatory Min: 8.50%) • Total Capital Ratio: 16.93% (Regulatory Min: 12.50%) • Liquidity Ratio: 148.05% (Regulatory Min: 100%) • Network Expansion: Reached 66 locations islandwide (up from 53) • Credit Rating: A(lka)/Stable by Fitch Ratings Sri Lanka