Cargills Bank Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	9,217	8,841	8,932	10,929	8,002	4,100
Interest Paid on Deposits	5,309	5,109	5,343	7,548	4,798	2,260
Net Interest Income	3,908	3,732	3,589	3,381	3,204	1,840
Net Interest Income Growth (YoY)	7.36%	4.00%	6.13%	5.53%	74.17%	17.57%
Income From Trading Activities	0.03	1.2	0.39	0.32	0.99	-1.2
Gain (Loss) on Sale of Assets	0.33	0.33	1.74	0.1	0.32	-0.37
Gain (Loss) on Sale of Investments	-23.92	360.64	670.49	441.9	20.81	-18.37
Other Non-Interest Income	1,090	1,108	1,230	1,051	1,054	638.76
Total Non-Interest Income	1,067	1,470	1,902	1,494	1,076	618.83
Non-Interest Income Growth (YoY)	-50.81%	-22.72%	27.37%	38.76%	73.95%	38.08%
Revenues Before Loan Losses	4,975	5,203	5,491	4,875	4,281	2,459
Provision for Loan Losses	-228.13	-126.09	607.36	848.79	1,463	684.51
Revenue	5,203	5,329	4,884	4,026	2,817	1,774
Revenue Growth (YoY)	-2.07%	9.11%	21.30%	42.92%	58.80%	46.46%
Salaries and Employee Benefits	1,585	1,530	1,330	1,073	915.29	842.69
Occupancy Expenses	376.78	347.48	320.82	331.9	437.01	420.21
Other Non-Interest Expense	2,342	2,418	2,084	1,892	1,258	879.75
Total Non-Interest Expense	4,304	4,295	3,734	3,296	2,611	2,143
EBT Excluding Unusual Items	899.03	1,033	1,150	729.88	206.44	-368.66
Pretax Income	899.03	1,033	1,150	729.88	206.44	-368.66
Income Tax Expense	414.98	491.83	498.89	289.86	-281.33	-91.53
Earnings From Continuing Operations	484.04	541.55	650.8	440.02	487.76	-277.13
Net Income	484.04	541.55	650.8	440.02	487.76	-277.13
Net Income to Common	484.04	541.55	650.8	440.02	487.76	-277.13
Net Income Growth	-36.86%	-16.79%	47.90%	-9.79%	-	-
Basic Shares Outstanding	945	946	946	885	883	883
Diluted Shares Outstanding	945	946	946	885	883	883
Shares Change (YoY)	-0.69%	-	6.91%	0.15%	-	-
EPS (Basic)	0.51	0.57	0.69	0.50	0.55	-0.31
EPS (Diluted)	0.51	0.57	0.69	0.50	0.55	-0.31
EPS Growth	-36.76%	-17.18%	38.34%	-9.55%	-	-
Effective Tax Rate	46.16%	47.59%	43.39%	39.71%	-	-

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