Colombo, November 2025 – HNB FINANCE PLC, one of Sri Lanka’s leading integrated financial services providers, has reported an impressive financial turnaround for the first half of the 2025/26 financial year, ended September 30, 2025. The company demonstrated strong resilience and sustained growth despite a challenging economic environment.
According to its financial disclosures, the Company recorded a 129% year-on-year (YoY) increase in Profit After Tax (PAT), reaching Rs. 620.43 million, compared to Rs. 270.55 million during the same period last year. Profit Before Tax (PBT) surged by 160%, rising from Rs. 631.95 million to Rs. 1,645.70 million.
Robust Income and Portfolio Growth
Supported by strong lending activity, HNB FINANCE’s gross income expanded by 29% YoY to Rs. 8,089.25 million, up from Rs. 6,294.43 million. Net interest income recorded an impressive 45% increase, growing from Rs. 2,599.17 million to Rs. 3,761.52 million.
The Company’s asset base rose by 31% to Rs. 76,645 million, compared to Rs. 58,503 million in March 2025. The overall loan portfolio grew by 36%, reaching Rs. 68,689 million, up from Rs. 50,329 million earlier in the year.
A significant contributor to this performance was the leasing segment, which surged by 57% to Rs. 41,359 million, compared to Rs. 26,381 million in March 2025. The gold loan portfolio also saw notable expansion, rising by 36% to Rs. 12,165 million, up from Rs. 8,913 million.
Stronger Deposit Base and Enhanced Profitability
HNB FINANCE further strengthened its funding profile, with the deposit base increasing by 34% to Rs. 56,658 million, compared to Rs. 42,218 million recorded in March 2025.
Reflecting the Company’s enhanced profitability and efficiency, Return on Equity (ROE) improved from 9.99% to 15.7%, while Return on Assets (ROA) rose from 1.11% to 1.8%. Meanwhile, Earnings per Share (EPS) strengthened from Rs. 0.16 to Rs. 0.30 during the period under review.
Leadership Commentary
Commenting on the strong performance, HNB FINANCE PLC Chairman, Mr. Rajive Dissanayake, stated:
“We are encouraged by the strong improvement in our financial performance during the First Half of the FY2025/26. This turnaround reflects the team’s strategic focus and disciplined execution. We remain committed to driving inclusive financial growth and supporting Sri Lanka’s economic progress through innovative and responsible financial solutions.”
Adding to this, Managing Director and CEO, Mr. Chaminda Prabhath, said:
“Our emphasis on operational excellence and prudent risk management has delivered measurable results. HNB FINANCE is now well-positioned to capture emerging opportunities and continue creating long-term value for our stakeholders.”
