Fintrex’s digital transformation and inclusive finance strategy power 352% PAT growth to Rs. 286 m

Chairman Ajit Gunewardene	General Manager/Chief Executive Officer Jayathilake Bandara

Fintrex Finance PLC has delivered another strong performance in the first half of FY2025/26, reaffirming its reputation as one of Sri Lanka’s most trusted and progressive financial institutions. The interim results for the six months ended 30 September 2025 highlight the company’s robust financial health, disciplined governance, and unwavering commitment to digital innovation and inclusive finance.

During the reporting period, gross income rose by 70% to Rs. 2.94 billion, while net interest income increased by 76% to Rs. 1.43 billion, supported by prudent cost-of-funds management and a well-balanced product portfolio. Fee and commission income surged by 531% to Rs. 415 million, reflecting the strong customer response to new products and service enhancements.

Even with a conservative impairment provision of Rs. 412 million, net operating income increased by 85% to Rs. 1.45 billion, demonstrating sound credit discipline and resilient asset quality. Operating Profit Before Tax (PBT) on financial services grew by 210% to Rs. 666 million, while Profit After Tax (PAT) climbed by an outstanding 352% to Rs. 286 million, resulting in an Return on Equity (ROE) of 17.5%.

The strength of Fintrex’s balance sheet remains evident, with total assets expanding by 28% to Rs. 27.85 billion and loans and advances increasing by 52%. Customer deposits grew by 13% to Rs. 10.98 billion, underscoring continued public confidence. The company’s equity position improved to Rs. 3.52 billion, while capital adequacy remains well above regulatory thresholds, supported by proactive capital-raising measures.

To support long-term growth and regulatory compliance, Fintrex continued to fortify its capital structure. Earlier this year, the company successfully raised Rs. 1 billion through a listed, rated, unsecured, subordinated Tier II Bond issuance. More recently, an unsecured Tier II Trust Certificate amounting to Rs. 500 million was issued and is currently awaiting Monetary Board approval. These initiatives are complemented by a Board-approved capital augmentation plan, ensuring that Fintrex remains resilient and well-capitalised for future expansion.

Digital inclusion is a core pillar of Fintrex’s strategy. The company’s mobile financing initiative, designed to expand access to essential information, has gained notable momentum. Building on this success, Fintrex has introduced laptop financing to support entrepreneurs, students, and individuals aspiring to upgrade their digital capabilities through affordable payment plans.

The forthcoming Fintrex Mobile Banking App will further empower customers by enabling seamless online transactions, loan applications, bill payments, and more. Additionally, the company is in the process of migrating to a state-of-the-art core banking system to enhance operational efficiency, scalability, and customer experience.

Fintrex Finance was honoured with the prestigious Great Place to Work certification for the fourth consecutive year, reflecting the dedication and loyalty of its employees – the key drivers of the company’s success. The organisation was also recognised as one of Sri Lanka’s Most Respected Entities by LMD, highlighting strong stakeholder confidence in its leadership and values.

Fintrex upholds the highest standards of corporate governance under the guidance of a distinguished Board of Directors. The Board is Chaired by Ajit Gunewardene and includes respected industry leaders Ronnie Peiris, Shantanu Nagpal, Sabry Ibrahim, Shrihan Perera, Nilam Jayasinghe, J.F.R .De Fonseka, Indrajit Wickramasinghe, and Darshan Perera. Their collective expertise continues to steer the company towards sustainable, responsible growth.

With a strengthened financial foundation, an expanding digital ecosystem, and a steadfast commitment to financial inclusivity, Fintrex Finance PLC is well positioned to accelerate its growth trajectory. The company will continue to focus on empowering customers, supporting communities, and contributing to national economic progress through innovation and responsible finance.