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	Jun '26 Jun 30, 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	86,424	81,347	76,910	96,925	69,867	36,600
Interest Paid on Deposits	54,426	50,313	48,708	65,584	43,268	23,919
Net Interest Income	31,998	31,035	28,202	31,341	26,599	12,681
Net Interest Income Growth	7.98%	10.04%	-10.02%	17.83%	109.76%	14.83%
Income From Trading Activities	2,089	2,481	1,273	1,055	63.22	436.68
Gain (Loss) on Sale of Assets	12.34	13.16	19.87	18.1	8.74	-1.7
Gain (Loss) on Sale of Investments	1,275	1,688	3,868	2,839	99.11	1,391
Other Non-Interest Income	10,585	9,504	6,679	5,916	4,667	4,311
Total Non-Interest Income	13,961	13,686	11,840	9,828	4,838	6,137
Non-Interest Income Growth	10.98%	15.58%	20.48%	103.14%	-21.17%	40.22%
Revenues Before Loan Losses	45,959	44,720	40,042	41,169	31,437	18,818
Provision for Loan Losses	6,074	4,926	4,648	13,967	17,059	4,485
Revenue	39,885	39,794	35,394	27,201	14,378	14,333
Revenue Growth	7.93%	12.43%	30.12%	89.19%	0.32%	18.53%
Salaries and Employee Benefits	9,617	8,124	8,581	5,037	4,678	4,079
Occupancy Expenses	1,715	1,523	1,290	1,191	1,188	1,074
Selling, General & Administrative	-	-	-	-	-	0.64
Other Non-Interest Expense	14,975	14,197	11,705	9,589	5,732	4,617
Total Non-Interest Expense	26,302	23,841	21,574	15,815	11,266	9,474
EBT Excluding Unusual Items	13,582	15,953	13,820	11,386	3,112	4,859
Asset Writedown	-	-	-	-17.7	-	-
Pretax Income	13,582	15,953	13,820	11,369	3,112	4,859
Income Tax Expense	3,959	4,723	5,265	3,850	70.3	1,194
Earnings From Continuing Operations	9,623	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	-171.07	-162.72	-154.89	-173.39	-109.44	-116.17
Net Income	9,636	11,369	9,778	8,485	2,932	3,549
Net Income to Common	9,636	11,369	9,778	8,485	2,932	3,549
Net Income Growth	-2.86%	16.28%	15.23%	189.35%	-17.37%	29.29%
Basic Shares Outstanding	448	450	443	446	417	374
Diluted Shares Outstanding	448	450	443	446	417	374
Shares Change	1.14%	1.56%	-0.86%	7.16%	11.43%	-0.56%
EPS (Basic)	21.50	25.29	22.09	19.01	7.04	9.49
EPS (Diluted)	21.50	25.29	22.09	19.01	7.04	9.49
EPS Growth	-3.96%	14.49%	16.23%	170.01%	-25.84%	30.02%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	2.432	3.840	2.808	-	-
Dividend Growth	-	-36.67%	36.72%	-	-	-
Effective Tax Rate	29.15%	29.60%	38.10%	33.86%	2.26%	24.57%