Dialog Finance Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	1,518	1,038	1,093	984.85	261.07	214.7
Total Interest Expense	341.61	262.54	395.65	361.34	59.07	67.92
Net Interest Income	1,177	775.63	697.5	623.51	202	146.78
Commissions and Fees	1,031	586.45	60.81	17.91	6.4	1.96
Other Revenue	3.42	1.99	0.84	19.66	2.04	0.6
Revenue Before Loan Losses	2,211	1,364	759.15	661.08	210.44	149.34
Provision for Loan Losses	209.78	114.25	21.82	84.88	10.25	63.34
Revenue	2,001	1,250	737.34	576.2	200.19	86
Revenue Growth (YoY)	140.36%	69.51%	27.96%	187.83%	132.77%	-30.30%
Salaries & Employee Benefits	451.66	337.32	251.23	208.44	123.32	136.87
Cost of Services Provided	260.08	260.08	38.66	2.79	1.19	-
Other Operating Expenses	958.15	618.41	356.61	253.84	111.36	112.39
Total Operating Expenses	1,748	1,279	698.54	511.33	279.12	290.35
Operating Income	252.88	-28.88	38.79	64.87	-78.93	-204.35
EBT Excluding Unusual Items	252.88	-28.88	38.79	64.87	-78.93	-204.35
Other Unusual Items	12.94	12.94	5.95	2.22	1.69	18.05
Pretax Income	265.82	-15.94	44.74	67.1	-77.24	-186.3
Income Tax Expense	117.85	25.15	5.3	-	-	-86.78
Net Income	147.98	-41.08	39.44	67.1	-77.24	-99.52
Net Income to Common	147.98	-41.08	39.44	67.1	-77.24	-99.52
Net Income Growth	-	-	-41.22%	-	-	-
Shares Outstanding (Basic)	117	117	117	117	111	101
Shares Outstanding (Diluted)	117	117	117	117	111	101
Shares Change (YoY)	1.00%	-	-	6.10%	9.10%	19.18%
EPS (Basic)	1.26	-0.35	0.34	0.57	-0.70	-0.98
EPS (Diluted)	1.26	-0.35	0.34	0.57	-0.70	-0.98
EPS Growth	-	-	-41.22%	-	-	-
Free Cash Flow	-2,000	-924.61	-660.78	2,209	-1,515	343.22
Free Cash Flow Per Share	-17.04	-7.88	-5.63	18.81	-13.69	3.38
Operating Margin	12.64%	-2.31%	5.26%	11.26%	-39.43%	-237.61%
Profit Margin	7.40%	-3.29%	5.35%	11.64%	-38.58%	-115.72%
Free Cash Flow Margin	-99.96%	-73.98%	-89.62%	383.32%	-756.95%	399.08%
Effective Tax Rate	44.33%	-	11.86%	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.