COSE:HDFC.N0000 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	7,574	8,170	11,195	8,425	6,612	7,457
Interest Paid on Deposits	4,680	5,388	8,884	5,679	3,556	4,475
Net Interest Income	2,894	2,782	2,311	2,746	3,057	2,981
Net Interest Income Growth (YoY)	12.04%	20.38%	-15.84%	-10.16%	2.52%	2.81%
Gain (Loss) on Sale of Assets	-	-	-	0.15	0.51	0.51
Other Non-Interest Income	252	337	3,134	352.69	342.56	302.75
Total Non-Interest Income	252	337	3,134	352.84	343.07	303.25
Non-Interest Income Growth (YoY)	-48.00%	-89.25%	788.22%	2.85%	13.13%	-15.48%
Revenues Before Loan Losses	3,146	3,119	5,445	3,099	3,400	3,285
Provision for Loan Losses	159	278	467	320.31	296.22	326.53
Revenue	2,987	2,841	4,978	2,779	3,103	2,958
Revenue Growth (YoY)	11.92%	-42.93%	79.16%	-10.47%	4.91%	0.76%
Salaries and Employee Benefits	1,860	1,646	1,584	1,544	1,387	1,174
Occupancy Expenses	-7	-	-	185.45	161.7	156.64
Selling, General & Administrative	-	-	-	32.06	29.28	29.17
Other Non-Interest Expense	782	783	744	813.6	695.28	626.33
Total Non-Interest Expense	2,635	2,429	2,328	2,575	2,274	1,986
EBT Excluding Unusual Items	352	412	2,650	203.23	829.82	971.94
Asset Writedown	-	-	-	99.5	48.5	96.5
Pretax Income	352	412	2,650	302.73	878.32	1,068
Income Tax Expense	600	603	1,348	-23.59	331.03	360.3
Net Income	-248	-191	1,302	326.33	547.29	708.14
Net Income to Common	-248	-191	1,302	326.33	547.29	708.14
Net Income Growth	-	-	298.99%	-40.37%	-22.71%	48.86%
Basic Shares Outstanding	64	65	65	65	65	65
Diluted Shares Outstanding	64	65	65	65	65	65
Shares Change (YoY)	-0.53%	0.05%	0.00%	-	-	-
EPS (Basic)	-3.85	-2.95	20.12	5.04	8.46	10.94
EPS (Diluted)	-3.85	-2.95	20.12	5.04	8.46	10.94
EPS Growth	-	-	299.21%	-40.41%	-22.69%	48.84%
Dividend Per Share	-	-	-	-	-	0.250
Effective Tax Rate	170.46%	146.36%	50.87%	-	37.69%	33.72%

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