Pan Asia Banking Corporation PLC (COSE:PABC.N0000)

COSE:PABC.N0000 Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	30,334	30,782	37,123	26,626	18,798	18,821
Interest Paid on Deposits	17,469	18,646	26,821	17,171	9,157	11,451
Net Interest Income	12,865	12,136	10,302	9,455	9,642	7,370
Net Interest Income Growth (YoY)	10.59%	17.79%	8.96%	-1.93%	30.83%	11.08%
Income From Trading Activities	530.34	753.37	910.21	111.32	92.26	478.88
Gain (Loss) on Sale of Assets	-1.31	-1.31	-1.3	-	-	-
Gain (Loss) on Sale of Investments	-3,404	-3,747	116.69	-	-	-
Other Non-Interest Income	2,166	975.27	767.34	-960.44	2,175	1,512
Total Non-Interest Income	-708.32	-2,020	1,793	-849.13	2,267	1,990
Non-Interest Income Growth (YoY)	-	-	-	-	13.89%	-18.11%
Revenues Before Loan Losses	12,157	10,116	12,095	8,606	11,909	9,360
Provision for Loan Losses	-4,944	-5,061	2,715	2,861	2,370	1,596
Revenue	17,101	15,177	9,381	5,746	9,538	7,764
Revenue Growth (YoY)	46.11%	61.79%	63.26%	-39.76%	22.85%	-2.07%
Salaries and Employee Benefits	3,764	3,508	2,660	1,894	2,227	1,943
Occupancy Expenses	583.64	540.21	513.13	-	-	-
Selling, General & Administrative	360.17	360.17	269.89	229.85	266.06	239.77
Other Non-Interest Expense	5,262	4,742	3,609	2,972	3,011	2,743
Total Non-Interest Expense	9,970	9,150	7,052	5,096	5,505	4,926
EBT Excluding Unusual Items	7,131	6,028	2,328	649.85	4,034	2,838
Pretax Income	7,131	6,028	2,328	649.85	4,034	2,838
Income Tax Expense	2,188	1,893	473.38	-1,352	958.3	790
Net Income	4,942	4,135	1,855	2,002	3,075	2,048
Net Income to Common	4,942	4,135	1,855	2,002	3,075	2,048
Net Income Growth	74.70%	122.90%	-7.34%	-34.90%	50.15%	17.00%
Basic Shares Outstanding	443	443	443	443	443	443
Diluted Shares Outstanding	443	443	443	443	443	443
Shares Change (YoY)	0.01%	-	-	-	-	-
EPS (Basic)	11.16	9.34	4.19	4.52	6.95	4.63
EPS (Diluted)	11.16	9.34	4.19	4.52	6.95	4.63
EPS Growth	74.67%	122.90%	-7.34%	-34.90%	50.15%	17.00%
Dividend Per Share	1.000	1.000	0.250	-	-	-
Dividend Growth	300.00%	300.00%	-	-	-	-
Effective Tax Rate	30.69%	31.40%	20.33%	-	23.76%	27.83%

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