Fintrex Finance PLC has showcased remarkable financial performance for the nine months ending December 31, 2025, achieving a Year-to-Date Profit After Tax (PAT) of LKR 478 million, marking a significant 352% increase compared to the same period last year. This achievement highlights strong operational momentum, disciplined balance sheet management, and ongoing strategic transformation.
Robust Top-Line and Margin Expansion
During this period, gross income increased by 79% year-on-year to LKR 4.80 billion, with the December 2025 quarter contributing LKR 1.86 billion, reflecting a 94% increase over the corresponding quarter. Interest income grew by 61% to LKR 4.11 billion, driven by substantial growth in earning assets and robust business volumes.
Interest expenses rose at a more moderate pace of 33% to LKR 1.73 billion, resulting in a 91% increase in Net Interest Income (NII) to LKR 2.38 billion. Notably, NII for the December quarter surged by 117% to LKR 955 million, attributed to effective asset–liability management, enhanced spreads, and strategic repricing across the portfolio.
Diversified Revenue Base Enhances Earnings Quality
Net fee and commission income soared by 422% year-on-year to LKR 667.6 million, demonstrating successful diversification beyond traditional interest-based revenue. In the December quarter alone, fee income rose by 306% to LKR 252.4 million.
As a result, total operating income for the nine months increased by 121% to LKR 3.08 billion, while Q3 operating income climbed by 142% to LKR 1.21 billion, strengthening the company’s earnings profile.
Basic and diluted earnings per share (EPS) rose to LKR 2.02 from LKR 0.45 in the previous year. For the December quarter, EPS improved to LKR 0.81 from LKR 0.18, reflecting a 353% growth.
Prudent Risk Management and Strengthened Capital Base
Impairment provisions increased in tandem with loan book growth, aligned with conservative IFRS 9 overlays and forward-looking buffers, thus reinforcing resilience and positioning the company for sustainable expansion.
Total assets reached LKR 29.8 billion as of December 31, 2025, up 37% year-on-year, driven by a 68% rise in loans and advances. Customer deposits grew by 19% to LKR 11.6 billion, reaffirming depositor confidence, while diversified borrowings supported asset growth. Liquidity remained healthy with improved funding efficiency and reduced reliance on short-term overdrafts.
Throughout the year, Fintrex further bolstered its capital position through the issuance of a LKR 500 million unsecured Tier II Trust Certificate and a rights issue, with proceeds pending SEC approval after clearance from the Central Bank of Sri Lanka. A Board-approved forward capital plan supports regulatory compliance and growth over the next three years.
Digital Innovation and Strategic Outlook
Guided by its strategic theme “Smart Finance, Smarter Future,” Fintrex continued advancing digital initiatives, including mobile-based financing solutions and the introduction of a new laptop financing product targeting entrepreneurs, students, and SMEs. The company is nearing the launch of its Fintrex Mobile Banking App and digital wallet, alongside a migration to a modern core banking system and the implementation of a real-time MIS dashboard to enhance analytics and performance oversight.
Under the strategic leadership of its Board, chaired by Mr. Ajit Gunewardene, Fintrex remains focused on disciplined growth, robust governance, and long-term value creation.
With strengthened capital buffers, diversified income streams, and sustained profitability momentum, Fintrex Finance PLC is well-positioned to deliver sustainable returns and reinforce confidence among banking partners, institutional stakeholders, and high-net-worth investors.
The company continues to benefit from strong governance and strategic oversight under the leadership of its Chairman, Mr. Ajit Gunewardene, and a highly experienced Board of Directors comprising Mr. Ronnie Peiris, Mr. Shantanu Nagpal, Mr. Ahamed Sabry Ibrahim, Mr. Shrihan B. Perera, Mr. Nilam Jayasinghe, Mr. Jayashantha De Fonseka, Mr. Indrajit Wickramasinghe, and Mr. Darshan Perera. Their collective expertise continues to guide Fintrex Finance PLC in strengthening its financial position, enhancing stakeholder value, and driving sustainable long-term growth.
