Cargills Bank PLC (COSE:CBNK.N0000)

Cargills Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	8,841	8,932	10,929	8,002	4,100
Interest Paid on Deposits	5,109	5,343	7,548	4,798	2,260
Net Interest Income	3,732	3,589	3,381	3,204	1,840
Net Interest Income Growth (YoY)	4.00%	6.13%	5.53%	74.17%	17.57%
Income From Trading Activities	1.2	0.39	0.32	0.99	-1.2
Gain (Loss) on Sale of Assets	0.33	1.74	0.1	0.32	-0.37
Gain (Loss) on Sale of Investments	360.64	670.49	441.9	20.81	-18.37
Other Non-Interest Income	1,108	1,230	1,051	1,054	638.76
Total Non-Interest Income	1,470	1,902	1,494	1,076	618.83
Non-Interest Income Growth (YoY)	-22.72%	27.37%	38.76%	73.95%	38.08%
Revenues Before Loan Losses	5,203	5,491	4,875	4,281	2,459
Provision for Loan Losses	-126.09	607.36	848.79	1,463	684.51
Revenue	5,329	4,884	4,026	2,817	1,774
Revenue Growth (YoY)	9.11%	21.30%	42.92%	58.80%	46.46%
Salaries and Employee Benefits	1,530	1,330	1,073	915.29	842.69
Occupancy Expenses	347.48	320.82	331.9	437.01	420.21
Other Non-Interest Expense	2,418	2,084	1,892	1,258	879.75
Total Non-Interest Expense	4,295	3,734	3,296	2,611	2,143
EBT Excluding Unusual Items	1,033	1,150	729.88	206.44	-368.66
Pretax Income	1,033	1,150	729.88	206.44	-368.66
Income Tax Expense	491.83	498.89	289.86	-281.33	-91.53
Earnings From Continuing Operations	541.55	650.8	440.02	487.76	-277.13
Net Income	541.55	650.8	440.02	487.76	-277.13
Net Income to Common	541.55	650.8	440.02	487.76	-277.13
Net Income Growth	-16.79%	47.90%	-9.79%	-	-
Basic Shares Outstanding	946	946	885	883	883
Diluted Shares Outstanding	946	946	885	883	883
Shares Change (YoY)	-	6.91%	0.15%	-	-
EPS (Basic)	0.57	0.69	0.50	0.55	-0.31
EPS (Diluted)	0.57	0.69	0.50	0.55	-0.31
EPS Growth	-17.18%	38.34%	-9.55%	-	-
Effective Tax Rate	47.59%	43.39%	39.71%	-	-

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