Amãna Bank PLC (COSE:ABL.N0000)

Amãna Bank Income Statement

Financials in millions LKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	16,126	15,400	17,238	12,113	7,674	7,212
Interest Paid on Deposits	8,296	8,525	10,743	7,344	3,419	3,757
Net Interest Income	7,831	6,874	6,495	4,769	4,255	3,454
Net Interest Income Growth (YoY)	15.56%	5.84%	36.20%	12.06%	23.19%	9.14%
Income From Trading Activities	418.77	693.11	1,765	864.7	155.11	444.38
Gain (Loss) on Sale of Assets	0.07	0.07	0.05	0.32	0.13	-
Gain (Loss) on Sale of Investments	53.05	38.92	16.1	-23.1	-18.75	4.19
Other Non-Interest Income	1,361	1,083	934.25	755.16	407.02	330.87
Total Non-Interest Income	1,833	1,815	2,716	1,597	543.51	779.43
Non-Interest Income Growth (YoY)	-16.56%	-33.15%	70.04%	193.84%	-30.27%	-28.60%
Revenues Before Loan Losses	9,664	8,690	9,211	6,366	4,799	4,234
Provision for Loan Losses	-209.03	289.61	2,121	1,638	784.95	513.73
Revenue	9,873	8,400	7,090	4,727	4,014	3,720
Revenue Growth (YoY)	24.73%	18.48%	49.98%	17.77%	7.90%	-6.24%
Salaries and Employee Benefits	2,490	2,274	1,976	1,488	1,399	1,446
Occupancy Expenses	284.15	256.9	249.47	274.61	279.63	281.18
Amortization of Goodwill & Intangibles	64.94	64.94	58.14	51.33	58.69	70.37
Selling, General & Administrative	85.72	85.72	66.55	44.25	27.19	38.22
Other Non-Interest Expense	3,398	2,931	2,427	1,661	1,168	1,123
Total Non-Interest Expense	6,323	5,613	4,778	3,520	2,933	2,959
EBT Excluding Unusual Items	3,550	2,787	2,312	1,207	1,081	761.45
Pretax Income	3,550	2,787	2,312	1,207	1,081	761.45
Income Tax Expense	1,288	1,012	925.41	419.1	256.31	297.75
Net Income	2,263	1,775	1,387	788.18	824.7	463.7
Net Income to Common	2,263	1,775	1,387	788.18	824.7	463.7
Net Income Growth	40.13%	27.97%	75.95%	-4.43%	77.85%	0.60%
Basic Shares Outstanding	550	551	325	293	290	290
Diluted Shares Outstanding	550	551	333	293	290	290
Shares Change (YoY)	68.57%	65.28%	13.85%	0.92%	-	-
EPS (Basic)	4.11	3.22	4.27	2.69	2.84	1.60
EPS (Diluted)	4.11	3.22	4.16	2.69	2.84	1.58
EPS Growth	-16.88%	-22.57%	54.84%	-5.48%	80.27%	1.61%
Dividend Per Share	1.300	1.200	-	-	-	-
Dividend Growth	8.33%	-	-	-	-	-
Effective Tax Rate	36.27%	36.32%	40.02%	34.71%	23.71%	39.10%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.