DFCC Bank 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 Income on Loans	79,317	76,910	96,925	69,867	36,600	39,095
Interest Paid on Deposits	48,894	48,708	65,584	43,268	23,919	28,052
Net Interest Income	30,423	28,202	31,341	26,599	12,681	11,043
Net Interest Income Growth (YoY)	7.11%	-10.02%	17.83%	109.76%	14.83%	-13.04%
Income From Trading Activities	2,823	1,273	1,055	63.22	436.68	479.15
Gain (Loss) on Sale of Assets	3.75	19.87	18.1	8.74	-1.7	23.24
Gain (Loss) on Sale of Investments	2,800	3,868	2,839	99.11	1,391	510.39
Other Non-Interest Income	8,796	6,679	5,916	4,667	4,311	3,364
Total Non-Interest Income	14,422	11,840	9,828	4,838	6,137	4,377
Non-Interest Income Growth (YoY)	40.93%	20.48%	103.14%	-21.17%	40.22%	198.43%
Revenues Before Loan Losses	44,845	40,042	41,169	31,437	18,818	15,420
Provision for Loan Losses	4,312	4,648	13,967	17,059	4,485	3,328
Revenue	40,534	35,394	27,201	14,378	14,333	12,092
Revenue Growth (YoY)	26.35%	30.12%	89.19%	0.32%	18.53%	-3.08%
Salaries and Employee Benefits	8,949	8,581	5,037	4,678	4,079	3,588
Occupancy Expenses	1,475	1,290	1,191	1,188	1,074	970.96
Selling, General & Administrative	-	-	-	-	0.64	1.5
Other Non-Interest Expense	13,721	11,705	9,589	5,732	4,617	3,995
Total Non-Interest Expense	24,143	21,574	15,815	11,266	9,474	8,148
EBT Excluding Unusual Items	16,391	13,820	11,386	3,112	4,859	3,944
Asset Writedown	-	-	-17.7	-	-	-
Pretax Income	16,391	13,820	11,369	3,112	4,859	3,944
Income Tax Expense	5,614	5,265	3,850	70.3	1,194	1,097
Earnings From Continuing Operations	10,777	8,554	7,519	3,042	3,665	2,847
Earnings From Discontinued Operations	673.58	1,378	1,139	-	-	-
Minority Interest in Earnings	-139.63	-154.89	-173.39	-109.44	-116.17	-101.82
Net Income	11,311	9,778	8,485	2,932	3,549	2,745
Net Income to Common	11,311	9,778	8,485	2,932	3,549	2,745
Net Income Growth	32.42%	15.23%	189.35%	-17.37%	29.29%	24.01%
Basic Shares Outstanding	437	436	434	405	364	366
Diluted Shares Outstanding	437	436	434	405	364	366
Shares Change (YoY)	0.30%	0.46%	7.16%	11.43%	-0.56%	4.46%
EPS (Basic)	25.86	22.41	19.54	7.24	9.76	7.51
EPS (Diluted)	25.86	22.41	19.54	7.24	9.76	7.51
EPS Growth	32.02%	14.71%	170.01%	-25.84%	30.02%	18.71%
Dividend Per Share	3.948	3.948	2.887	-	-	-
Dividend Growth	36.72%	36.72%	-	-	-	-
Effective Tax Rate	34.25%	38.10%	33.86%	2.26%	24.57%	27.82%

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