DFCC Bank PLC (COSE:DFCC.N0000)

DFCC 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	77,120	76,910	96,925	69,867	36,600	39,095
Interest Paid on Deposits	47,487	48,708	65,584	43,268	23,919	28,052
Net Interest Income	29,633	28,202	31,341	26,599	12,681	11,043
Net Interest Income Growth (YoY)	0.18%	-10.02%	17.83%	109.76%	14.83%	-13.04%
Income From Trading Activities	1,721	1,273	1,055	63.22	436.68	479.15
Gain (Loss) on Sale of Assets	12.4	19.87	18.1	8.74	-1.7	23.24
Gain (Loss) on Sale of Investments	2,838	3,868	2,839	99.11	1,391	510.39
Other Non-Interest Income	8,007	6,679	5,916	4,667	4,311	3,364
Total Non-Interest Income	12,579	11,840	9,828	4,838	6,137	4,377
Non-Interest Income Growth (YoY)	11.51%	20.48%	103.14%	-21.17%	40.22%	198.43%
Revenues Before Loan Losses	42,211	40,042	41,169	31,437	18,818	15,420
Provision for Loan Losses	5,373	4,648	13,967	17,059	4,485	3,328
Revenue	36,839	35,394	27,201	14,378	14,333	12,092
Revenue Growth (YoY)	13.29%	30.12%	89.19%	0.32%	18.53%	-3.08%
Salaries and Employee Benefits	8,511	8,581	5,037	4,678	4,079	3,588
Occupancy Expenses	1,396	1,290	1,191	1,188	1,074	970.96
Selling, General & Administrative	-	-	-	-	0.64	1.5
Other Non-Interest Expense	12,420	11,705	9,589	5,732	4,617	3,995
Total Non-Interest Expense	22,326	21,574	15,815	11,266	9,474	8,148
EBT Excluding Unusual Items	14,513	13,820	11,386	3,112	4,859	3,944
Asset Writedown	-	-	-17.7	-	-	-
Pretax Income	14,513	13,820	11,369	3,112	4,859	3,944
Income Tax Expense	5,087	5,265	3,850	70.3	1,194	1,097
Earnings From Continuing Operations	9,426	8,554	7,519	3,042	3,665	2,847
Earnings From Discontinued Operations	630.46	1,378	1,139	-	-	-
Minority Interest in Earnings	-136.3	-154.89	-173.39	-109.44	-116.17	-101.82
Net Income	9,920	9,778	8,485	2,932	3,549	2,745
Net Income to Common	9,920	9,778	8,485	2,932	3,549	2,745
Net Income Growth	-3.56%	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)	0.28%	0.46%	7.16%	11.43%	-0.56%	4.46%
EPS (Basic)	22.69	22.41	19.54	7.24	9.76	7.51
EPS (Diluted)	22.69	22.41	19.54	7.24	9.76	7.51
EPS Growth	-3.83%	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	35.05%	38.10%	33.86%	2.26%	24.57%	27.82%

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