COSE:LCBF.N0000 Income Statement

Financials in millions LKR. Fiscal year is April - March.

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	1,883	1,323	1,202	1,032	504.11
Total Interest Expense	672.02	476.22	620.16	427.37	104.98
Net Interest Income	1,211	846.81	582.29	604.62	399.13
Gain (Loss) on Sale of Investments	-	2.5	1.13	2.75	-10.81
Other Revenue	129.78	106.51	157.35	44.93	46.4
Revenue Before Loan Losses	1,341	955.82	740.77	652.3	434.71
Provision for Loan Losses	92.81	89.46	122.57	90.99	-61.7
Revenue	1,248	866.36	618.2	561.3	496.41
Revenue Growth (YoY)	44.08%	40.14%	10.14%	13.07%	43.47%
Salaries & Employee Benefits	292.74	240.01	193.8	145.81	106.4
Cost of Services Provided	-	24.57	20.38	19.81	15.94
Other Operating Expenses	391.62	243.02	196.72	144.27	90.71
Total Operating Expenses	791.07	602.96	487.7	371.85	257.89
Operating Income	457.17	263.39	130.51	189.45	238.52
Currency Exchange Gain (Loss)	-	-0.06	-0.09	-	-
EBT Excluding Unusual Items	457.17	263.33	130.41	189.45	238.52
Other Unusual Items	-	0.48	-	2.65	-
Pretax Income	457.17	282.69	148.56	212.55	238.52
Income Tax Expense	152.98	78.17	26.46	49.78	140.94
Net Income	304.18	204.51	122.09	162.77	97.58
Net Income to Common	304.18	204.51	122.09	162.77	97.58
Net Income Growth	48.74%	67.51%	-24.99%	66.80%	290.27%
Shares Outstanding (Basic)	800	790	790	790	790
Shares Outstanding (Diluted)	800	790	790	790	790
Shares Change (YoY)	1.31%	-	-	-	18.79%
EPS (Basic)	0.38	0.26	0.15	0.21	0.12
EPS (Diluted)	0.38	0.26	0.15	0.21	0.12
EPS Growth	46.82%	67.51%	-24.99%	66.80%	228.54%
Free Cash Flow	-372.31	-1,512	630.82	289.61	-481.8
Free Cash Flow Per Share	-0.47	-1.91	0.80	0.37	-0.61
Operating Margin	36.63%	30.40%	21.11%	33.75%	48.05%
Profit Margin	24.37%	23.61%	19.75%	29.00%	19.66%
Free Cash Flow Margin	-29.83%	-174.49%	102.04%	51.60%	-97.06%
Effective Tax Rate	33.46%	27.65%	17.81%	23.42%	59.09%