Despite challenging macroeconomic conditions, Vallibel Finance continued to deliver solid bottom-line growth, translating top-line performance into sustained shareholder value.
Return on Equity (ROE) improved to 21.77%, up from 16.87% in 2024, demonstrating enhanced profitability and efficient capital utilisation. These indicators firmly position the company among the best-performing finance institutions in the country.
Innovation remains a key driver of success, with Vallibel Finance introducing industry-first financial solutions that have gained strong customer acceptance. This forward-looking approach is complemented by a comprehensive digital transformation strategy aimed at enhancing customer experience and optimising operational efficiency through advanced technology.
Financial Performance and Milestones
Vallibel Finance PLC maintained a strong growth momentum in the first half of FY 25/26, delivering impressive financial results and reinforcing its position among Sri Lanka’s top five financial institutions within only 17 years of operations. The company reported a Profit Before Tax (PBT) of Rs. 2.7 billion, representing a significant 50% increase compared to the corresponding period last year. Net Interest Income also recorded a notable improvement, rising by 30% to Rs. 4.9 billion.
The company’s balance sheet performance remained robust, with total assets expanding to Rs. 143 billion, a healthy 28% increase from Rs. 112 billion recorded a year earlier. This growth was driven by strong portfolio expansion, disciplined cost management, and prudent risk practices. Asset quality showed marked improvement, as Non-Performing Loans (NPLs) declined to 2.78% from 5.19%, highlighting enhanced credit oversight and stronger portfolio discipline.
These results further reinforce a major milestone achieved earlier this year, when Vallibel Finance became the fastest financial institution in Sri Lanka to surpass Rs. 100 billion in assets within just 17 years of operations, underlining its rapid and sustainable growth trajectory. The company is widely recognised for its credibility and stability in the financial sector, holding an A- credit rating from the Lanka Rating Agency (LRA) and an A brand rating from Brand Finance, reflecting strong financial strength and brand equity.
Nationwide Presence and Recognition
The company’s nationwide presence is supported by a continuously expanding network of 85 branches, enabling service delivery across urban, semi-urban, and rural markets. Branch expansion in the Eastern Province is currently underway and scheduled for completion by December 2025, while the establishment of operations in the Northern Province is planned for early next year.
Vallibel Finance has also received consistent international recognition, having been honoured multiple times as Best Finance Company by The Global Economic (UK). Supported by strong financial performance, digital leadership, and a growing footprint, the company is well positioned to capitalise on emerging opportunities and sustain long-term growth, strengthening confidence among stakeholders, customers, investors, regulators, and business partners across the evolving financial services landscape in Sri Lanka today.