National Development Bank Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	92,397	86,857	88,283	119,722	98,217	52,795
Interest Paid on Deposits	57,672	51,624	53,789	87,342	67,087	31,053
Net Interest Income	34,726	35,234	34,494	32,380	31,130	21,741
Net Interest Income Growth	-3.62%	2.15%	6.53%	4.02%	43.19%	21.29%
Income From Trading Activities	1,028	1,055	1,041	2,906	-340.35	2,096
Gain (Loss) on Sale of Assets	-4.16	-4.16	2.83	5.71	3.83	14.21
Gain (Loss) on Sale of Investments	1,034	1,316	4,182	6,056	-325.26	746.73
Other Non-Interest Income	13,276	11,815	8,482	5,565	13,811	8,244
Total Non-Interest Income	15,334	14,182	13,709	14,532	13,149	11,102
Non-Interest Income Growth	7.69%	3.45%	-5.66%	10.52%	18.44%	32.63%
Revenues Before Loan Losses	50,060	49,415	48,203	46,912	44,279	32,843
Provision for Loan Losses	3,066	5,915	-10,055	21,137	29,277	10,253
Revenue	46,994	43,500	58,257	25,775	15,003	22,590
Revenue Growth	-28.22%	-25.33%	126.02%	71.80%	-33.59%	15.84%
Salaries and Employee Benefits	10,759	10,576	9,501	7,379	6,277	6,323
Occupancy Expenses	1,574	1,282	1,168	1,054	926.03	914.11
Selling, General & Administrative	-70.8	-70.8	103.95	-	-	-
Other Non-Interest Expense	13,702	14,087	27,502	9,399	6,499	6,293
Total Non-Interest Expense	25,964	25,874	38,276	17,833	13,702	13,529
EBT Excluding Unusual Items	21,029	17,627	19,982	7,943	1,301	9,061
Asset Writedown	94.17	94.17	185.57	211.55	168.27	153
Pretax Income	21,124	17,721	20,167	8,154	1,469	9,214
Income Tax Expense	7,253	5,770	10,275	2,296	-1,607	2,151
Earnings From Continuing Operations	13,870	11,951	9,892	5,858	3,076	7,063
Minority Interest in Earnings	-91.09	-86.24	-98.17	-98.77	-67.07	-158.47
Net Income	13,779	11,865	9,794	5,759	3,009	6,904
Net Income to Common	13,779	11,865	9,794	5,759	3,009	6,904
Net Income Growth	30.43%	21.14%	70.05%	91.42%	-56.42%	34.93%
Basic Shares Outstanding	432	432	430	430	430	374
Diluted Shares Outstanding	432	432	432	430	430	374
Shares Change	-0.64%	0.01%	0.31%	-	14.96%	33.54%
EPS (Basic)	31.93	27.49	22.77	13.39	6.99	18.45
EPS (Diluted)	31.93	27.49	22.70	13.39	6.99	18.45
EPS Growth	31.25%	21.11%	69.55%	91.41%	-62.09%	1.04%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	6.381	6.381	4.829	1.857	-	0.830
Dividend Growth	32.12%	32.12%	160.05%	-	-	-33.34%
Effective Tax Rate	34.34%	32.56%	50.95%	28.16%	-	23.35%