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	1,884	1,325	1,203	1,032	504.11
Total Interest Expense	672.47	476.22	620.16	427.37	104.98
Net Interest Income	1,212	848.65	582.94	604.62	399.13
Gain (Loss) on Sale of Investments	4.29	2.5	1.13	2.75	-10.81
Other Revenue	80.69	104.67	156.7	44.93	46.4
Revenue Before Loan Losses	1,297	955.82	740.77	652.3	434.71
Provision for Loan Losses	111.56	89.46	122.57	90.99	-61.7
Revenue	1,185	866.36	618.2	561.3	496.41
Revenue Growth (YoY)	36.81%	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	36.74	24.57	20.38	19.81	15.94
Other Operating Expenses	349.59	243.02	196.72	144.27	90.71
Total Operating Expenses	785.78	602.96	487.7	371.85	257.89
Operating Income	399.48	263.39	130.51	189.45	238.52
Currency Exchange Gain (Loss)	0.21	-0.06	-0.09	-	-
EBT Excluding Unusual Items	399.68	263.33	130.41	189.45	238.52
Other Unusual Items	-0.21	0.48	-	2.65	-
Pretax Income	439.47	282.69	148.56	212.55	238.52
Income Tax Expense	157.64	78.17	26.46	49.78	140.94
Net Income	281.83	204.51	122.09	162.77	97.58
Net Income to Common	281.83	204.51	122.09	162.77	97.58
Net Income Growth	37.80%	67.51%	-24.99%	66.80%	290.27%
Shares Outstanding (Basic)	790	790	790	790	790
Shares Outstanding (Diluted)	790	790	790	790	790
Shares Change (YoY)	-	-	-	-	18.79%
EPS (Basic)	0.36	0.26	0.15	0.21	0.12
EPS (Diluted)	0.36	0.26	0.15	0.21	0.12
EPS Growth	37.80%	67.51%	-24.99%	66.80%	228.54%
Free Cash Flow	-368.18	-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	33.70%	30.40%	21.11%	33.75%	48.05%
Profit Margin	23.78%	23.61%	19.75%	29.00%	19.66%
Free Cash Flow Margin	-31.06%	-174.49%	102.04%	51.60%	-97.06%
Effective Tax Rate	35.87%	27.65%	17.81%	23.42%	59.09%