DFCC 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	84,274	81,347	76,910	96,925	69,867	36,600
Interest Paid on Deposits	52,326	50,313	48,708	65,584	43,268	23,919
Net Interest Income	31,948	31,035	28,202	31,341	26,599	12,681
Net Interest Income Growth (YoY)	11.82%	10.04%	-10.02%	17.83%	109.76%	14.83%
Income From Trading Activities	1,958	2,481	1,273	1,055	63.22	436.68
Gain (Loss) on Sale of Assets	13.16	13.16	19.87	18.1	8.74	-1.7
Gain (Loss) on Sale of Investments	1,682	1,688	3,868	2,839	99.11	1,391
Other Non-Interest Income	10,126	9,504	6,679	5,916	4,667	4,311
Total Non-Interest Income	13,779	13,686	11,840	9,828	4,838	6,137
Non-Interest Income Growth (YoY)	23.45%	15.58%	20.48%	103.14%	-21.17%	40.22%
Revenues Before Loan Losses	45,727	44,720	40,042	41,169	31,437	18,818
Provision for Loan Losses	6,734	4,926	4,648	13,967	17,059	4,485
Revenue	38,993	39,794	35,394	27,201	14,378	14,333
Revenue Growth (YoY)	10.41%	12.43%	30.12%	89.19%	0.32%	18.53%
Salaries and Employee Benefits	8,430	8,124	8,581	5,037	4,678	4,079
Occupancy Expenses	1,617	1,523	1,290	1,191	1,188	1,074
Selling, General & Administrative	-	-	-	-	-	0.64
Other Non-Interest Expense	14,526	14,197	11,705	9,589	5,732	4,617
Total Non-Interest Expense	24,571	23,841	21,574	15,815	11,266	9,474
EBT Excluding Unusual Items	14,421	15,953	13,820	11,386	3,112	4,859
Asset Writedown	-	-	-	-17.7	-	-
Pretax Income	14,421	15,953	13,820	11,369	3,112	4,859
Income Tax Expense	4,305	4,723	5,265	3,850	70.3	1,194
Earnings From Continuing Operations	10,116	11,231	8,554	7,519	3,042	3,665
Earnings From Discontinued Operations	184.69	300.96	1,378	1,139	-	-
Minority Interest in Earnings	-155.49	-162.72	-154.89	-173.39	-109.44	-116.17
Net Income	10,145	11,369	9,778	8,485	2,932	3,549
Net Income to Common	10,145	11,369	9,778	8,485	2,932	3,549
Net Income Growth	12.99%	16.28%	15.23%	189.35%	-17.37%	29.29%
Basic Shares Outstanding	451	450	443	446	417	374
Diluted Shares Outstanding	451	450	443	446	417	374
Shares Change (YoY)	2.05%	1.56%	-0.86%	7.16%	11.43%	-0.56%
EPS (Basic)	22.49	25.29	22.09	19.01	7.04	9.49
EPS (Diluted)	22.49	25.29	22.09	19.01	7.04	9.49
EPS Growth	10.72%	14.49%	16.23%	170.01%	-25.84%	30.02%
Dividend Per Share	2.432	2.432	3.891	2.808	-	-
Dividend Growth	-37.50%	-37.50%	38.53%	-	-	-
Effective Tax Rate	29.85%	29.60%	38.10%	33.86%	2.26%	24.57%

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