This half-year results reflect continued operational resilience, disciplined portfolio management, and an unwavering commitment to inclusive, values-based banking that define the SDF brand across Sri Lanka’s evolving financial landscape.
For the 1st six months ended 30th September 2025, the Company’s total assets reached LKR 28.3 billion, registering a 25.6% increase.
Asset quality indicators remained sound, supported by a conservative risk appetite and strengthened credit monitoring frameworks, which ensured portfolio stability amid fluctuating market conditions.
During the six-month period ending 30 September 2025, SDF reported a Profit Before Tax (PBT) of LKR 566 million, representing a year-on-year increase of over 37%, while Profit After Tax (PAT) stood at LKR 340 million, marking a significant improvement over the previous year’s comparative performance.
This steady earnings growth was driven by prudent credit expansion, enhanced asset quality, and effective cost management. Company’s ROE has reached to 17% while the Net Asset Value per share improved to LKR 27.39, signaling a steady growth in shareholder value.
Total Income for the period rose to LKR 2.87 billion, reflecting a healthy 43.6% growth, supported by a balanced lending portfolio that continued to focus on micro, SME, and agricultural enterprises.
Net Interest Income (NII) expanded by 29.8% to LKR 1.62 billion, underscoring the success of strategic repricing, improved liability management, and disciplined capital allocation.
Operational efficiency has strengthened reflecting SDF’s ongoing digital transformation and process optimization efforts.
Beyond financial metrics, SDF’s performance continues to reflect its founding ethos of “finance with a conscience’’.
During the review period, the company successfully concluded the first Listed, Rated, High-Yield Sustainable Bond Issue in Sri Lanka, which was oversubscribed within hours of opening, demonstrating strong investor confidence in its impact-driven business model.
Funds mobilized through the bond are now being channeled toward projects in affordable housing, women’s entrepreneurship, food security, and renewable energy reinforcing SDF’s alignment with the UN Sustainable Development Goals (SDGs) and its leadership in ethical finance.
Commenting on the results, Mr. Nilantha Jayanetti, Chief Executive Officer of SDF, stated:
“Our progress in the first half of 2025/26 underscores the strength of our fundamentals and the clarity of our purpose.
Even as we navigate a challenging macroeconomic environment, our focus remains on empowering communities and creating sustainable livelihoods.
Every loan disbursed, every partnership formed, is a step toward building a more inclusive economy, one that truly serves people and the planet.”
Looking ahead, SDF remains focused on strengthening its digital infrastructure and expanding its footprint across underserved regions.
With a clear roadmap for sustainable growth, the Company is poised to deliver greater stakeholder value while continuing to drive inclusive development across Sri Lanka’s grassroots economy.