📈 Softlogic Finance Swings to Rs 100.6 Mn Net Loss in Q2 FY27

• Financial Performance: Recorded a net loss of Rs 100.6 Mn for the quarter ended Sept 30, 2026 (swinging from a Rs 84.3 Mn net profit YoY). Basic loss per share stood at Rs 0.42. Total income fell 18.7% YoY to Rs 319.7 Mn due to the non-recurrence of a Rs 140.1 Mn one-off gain recorded last year. • Core Operations & Income Breakdown: • Interest Income: Grew 35.5% YoY to Rs 285.8 Mn, driven by personal loans and gold loan advances. • Net Interest Income: Rose 52.1% YoY to Rs 135.1 Mn, despite interest expenses rising 23.4% YoY to Rs 150.7 Mn. • Fee & Commission Income dropped 53.9% YoY to Rs 14.7 Mn. • Expenses & Impairments: Impairment charges swung to a net cost of Rs 8.9 Mn (vs a Rs 83.7 Mn reversal last year), dragging net operating income down 54.9% YoY to Rs 160.1 Mn. Operating expenses rose 9.8% YoY to Rs 252.3 Mn, led by an 18.3% increase in personnel costs (Rs 131.3 Mn). • Balance Sheet & Capital: • Total Assets expanded to Rs 7.84 Bn from Rs 7.34 Bn as of March 31, 2026. • Customer Deposits grew 20.9% to Rs 4.52 Bn. • Capital Adequacy Ratio remained strong at 46.20%, well above regulatory thresholds. • Corporate Action: Board recommended a 5-for-12 rights issue at Rs 2.50 per share to raise Rs 1.00 Bn to boost capital and expand vehicle leasing, subject to shareholder approval on Nov 13, 2026.