National Development Bank Income Statement

Financials in millions LKR. Fiscal year is January - December.

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	86,857	88,283	119,722	98,217	52,795
Interest Paid on Deposits	51,624	53,789	87,342	67,087	31,053
Net Interest Income	35,234	34,494	32,380	31,130	21,741
Net Interest Income Growth (YoY)	2.15%	6.53%	4.02%	43.19%	21.29%
Income From Trading Activities	1,055	1,041	2,906	-340.35	2,096
Gain (Loss) on Sale of Assets	-4.16	2.83	5.71	3.83	14.21
Gain (Loss) on Sale of Investments	1,316	4,182	6,056	-325.26	746.73
Other Non-Interest Income	11,815	8,482	5,565	13,811	8,244
Total Non-Interest Income	14,182	13,709	14,532	13,149	11,102
Non-Interest Income Growth (YoY)	3.45%	-5.66%	10.52%	18.44%	32.63%
Revenues Before Loan Losses	49,415	48,203	46,912	44,279	32,843
Provision for Loan Losses	5,915	-10,055	21,137	29,277	10,253
Revenue	43,500	58,257	25,775	15,003	22,590
Revenue Growth (YoY)	-25.33%	126.02%	71.80%	-33.59%	15.84%
Salaries and Employee Benefits	10,576	9,501	7,379	6,277	6,323
Occupancy Expenses	1,282	1,168	1,054	926.03	914.11
Selling, General & Administrative	-70.8	103.95	-	-	-
Other Non-Interest Expense	14,087	27,502	9,399	6,499	6,293
Total Non-Interest Expense	25,874	38,276	17,833	13,702	13,529
EBT Excluding Unusual Items	17,627	19,982	7,943	1,301	9,061
Asset Writedown	94.17	185.57	211.55	168.27	153
Pretax Income	17,721	20,167	8,154	1,469	9,214
Income Tax Expense	5,770	10,275	2,296	-1,607	2,151
Earnings From Continuing Operations	11,951	9,892	5,858	3,076	7,063
Minority Interest in Earnings	-86.24	-98.17	-98.77	-67.07	-158.47
Net Income	11,865	9,794	5,759	3,009	6,904
Net Income to Common	11,865	9,794	5,759	3,009	6,904
Net Income Growth	21.14%	70.05%	91.42%	-56.42%	34.93%
Basic Shares Outstanding	426	425	425	425	370
Diluted Shares Outstanding	426	426	425	425	370
Shares Change (YoY)	0.01%	0.31%	-	14.96%	33.54%
EPS (Basic)	27.83	23.05	13.55	7.08	18.68
EPS (Diluted)	27.83	22.98	13.55	7.08	18.68
EPS Growth	21.11%	69.55%	91.41%	-62.09%	1.04%
Dividend Per Share	-	5.000	1.880	-	0.840
Dividend Growth	-	165.91%	-	-	-33.34%
Effective Tax Rate	32.56%	50.95%	28.16%	-	23.35%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.