COSE:LCBF.N0000 Income Statement

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

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	1,727	1,323	1,202	1,032	504.11	456.26
Total Interest Expense	582.51	476.22	620.16	427.37	104.98	117.1
Net Interest Income	1,145	846.81	582.29	604.62	399.13	339.16
Gain (Loss) on Sale of Investments	2.5	2.5	1.13	2.75	-10.81	-
Other Revenue	85.14	106.51	157.35	44.93	46.4	29.72
Revenue Before Loan Losses	1,232	955.82	740.77	652.3	434.71	368.88
Provision for Loan Losses	51.8	89.46	122.57	90.99	-61.7	22.89
Revenue	1,181	866.36	618.2	561.3	496.41	345.99
Revenue Growth (YoY)	54.49%	40.14%	10.14%	13.07%	43.47%	63.36%
Salaries & Employee Benefits	280.28	240.01	193.8	145.81	106.4	93.72
Cost of Services Provided	24.57	24.57	20.38	19.81	15.94	-
Other Operating Expenses	350.57	243.02	196.72	144.27	90.71	65.55
Total Operating Expenses	759.66	602.96	487.7	371.85	257.89	200.4
Operating Income	420.96	263.39	130.51	189.45	238.52	145.59
Currency Exchange Gain (Loss)	-0.06	-0.06	-0.09	-	-	-
EBT Excluding Unusual Items	420.9	263.33	130.41	189.45	238.52	145.59
Other Unusual Items	0.48	0.48	-	2.65	-	-
Pretax Income	440.25	282.69	148.56	212.55	238.52	100.29
Income Tax Expense	110.17	78.17	26.46	49.78	140.94	75.29
Net Income	330.08	204.51	122.09	162.77	97.58	25
Net Income to Common	330.08	204.51	122.09	162.77	97.58	25
Net Income Growth	97.65%	67.51%	-24.99%	66.80%	290.27%	118.70%
Shares Outstanding (Basic)	814	790	790	790	790	665
Shares Outstanding (Diluted)	814	790	790	790	790	665
Shares Change (YoY)	3.95%	-	-	-	18.79%	40.35%
EPS (Basic)	0.41	0.26	0.15	0.21	0.12	0.04
EPS (Diluted)	0.41	0.26	0.15	0.21	0.12	0.04
EPS Growth	90.14%	67.51%	-24.99%	66.80%	228.54%	56.63%
Free Cash Flow	-1,104	-1,512	630.82	289.61	-481.8	-401.18
Free Cash Flow Per Share	-1.36	-1.91	0.80	0.37	-0.61	-0.60
Operating Margin	35.66%	30.40%	21.11%	33.75%	48.05%	42.08%
Profit Margin	27.96%	23.61%	19.75%	29.00%	19.66%	7.23%
Free Cash Flow Margin	-93.52%	-174.49%	102.04%	51.60%	-97.06%	-115.95%
Effective Tax Rate	25.02%	27.65%	17.81%	23.42%	59.09%	75.07%

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