HNB Finance crosses Rs. 1 bn PAT mark in 9 months, up 152% YoY

Rajive Dissanayake

Chaminda Prabhath

HNB Finance PLC reported a Profit After Tax (PAT) of Rs. 1.15 billion for the nine months ended 31 December 2025, up 152 percent year-on-year, first time the company surpassed one billion mark in nine months performance. 
Profit Before Tax (PBT) increased 209 percent to Rs. 1.88 billion, supported by stronger core income and balance sheet growth.
Gross income increased 35 percent to Rs. 12.93 billion, while net interest income expanded 52 percent to Rs. 6.03 billion during the period, reflecting improved earnings traction across the portfolio. 
During the nine months the company’s asset base grew by 46 percent to Rs. 85.6 billion with the gross loan portfolio expanding 53 percent to Rs. 77.2 billion compared to March 2025, grabbing market share from competition. Leasing portfolio grew 81 percent to Rs. 48.5 billion, while the gold loan book increased 52 percent to Rs. 13.6 billion. The loan book growth was mainly funded by deposits which grew by 45 percent to Rs. 61.0 billion, demonstrating the strong deposit franchise of the company during the same period. 
Commenting on the performance, HNB Finance PLC Chairman Rajive Dissanayake said, “Crossing Rs. 1 billion PAT in 9 months reflects the success of the company’s strategy and the meticulous execution of same. I would like to thank the management and staff for their dedication and hard work, investors and shareholders for the trust placed in us and our valued customers for their continued patronage. As we scale to become a systematically important NBFI in the Country, we will continue to keep delivering responsible financial solutions that support our customers and the wider economy.”
HNB Finance PLC Managing Director and Chief Executive Officer, Chaminda Prabhath added, “We have seen clear momentum in our core lending and funding franchises, particularly in leasing, gold loans, and deposits. Our focus remains on prudent risk management, operational discipline, and improving customer experience as we build long-term value for all stakeholders.”