Sri Lanka’s homegrown financial institution Siyapatha Finance PLC displayed robust financial performance for the year ended 31st December 2025, reflecting the Company’s continued strategic growth initiatives, solid asset quality, and resilience amidst volatile economic conditions. The Company posted a profit before tax (PBT) of Rs. 2,660 million, an increase of 26% compared to the previous year. Profit after tax (PAT) grew by 29% to Rs. 1,556 million from Rs. 1,203 million, demonstrating both market and consumer confidence.
Siyapatha Finance PLC recorded a net interest income of Rs. 5,561 million for the year 2025, up from Rs. 4,533 million in the preceding year, signifying the Company’s efficient management of assets and liabilities. Net fee and commission income strengthened by 44% to Rs. 499 million, solidifying the Company’s position in non-interest revenue generation strategies. This growth further indicates effective market expansion and enhanced digital financial services. Total operating expenses for the year were contained at Rs. 3,793 million.
Operating profit before taxes reached Rs. 3,662 million, an impressive 26% increase compared to the Rs. 2,908 million recorded in the corresponding period last year, primarily attributed to improved operational efficiency through strategic cost initiatives and process optimisation. Further, personnel expenses increased by 24 % to Rs. 2,595 million as a result of workforce upskilling and promoting a healthy workplace environment.
During the period in review, the Siyapatha Finance PLC balance sheet remained healthy. The Company witnessed a rise in total assets from Rs. 59,709 million to Rs. 84,740 million, including a 23% increase in the leasing and hire purchase segment and a 63% increase in the gold loan segment. The surge was partly driven by strong demand in SME financing facilities bolstered by the Company’s accelerated islandwide branch network expansion efforts. Simultaneously, total liabilities, too, rose to Rs. 74,705 million from Rs. 51,256 million in the previous year due to investment activities and small business lending.
Siyapatha Finance PLC displayed continued financial stability and credibility along with higher growth potential as its equity position stood robust with total equity reaching Rs. 10,035 million, a remarkable upgrade from the Rs. 8,453 million recorded last year. The net asset value per share increased to Rs. 99.79 in 2025 from Rs. 84.18 in 2024. This improvement underscores the Company’s asset appreciation, prudent management decision-making, and overall positive performance across divisions.
The financial results for the year 2025 reflect Siyapatha Finance PLC’s commitment towards sustainable growth and value creation among stakeholders, reinforcing its position as a leader in the non-banking financial services sector.
Siyapatha Finance PLC, the largest fully owned subsidiary of the Sampath Bank Group, boasts an islandwide network of over 60 branches, ensuring its customers are provided with the best-in-service delivery standards. The Company has secured a National Long-Term Rating of ‘A(lka)’ with a Stable Outlook by Fitch Ratings, reflecting solid financial standing and promising growth trajectory. Over the past 20 years, Siyapatha Finance PLC has contributed to the development of small and medium entrepreneurial efforts as well as the fulfillment of individual financial needs across the island.
