SANASA Development Bank PLC (COSE:SDB.N0000)

SANASA Development Bank 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	16,765	20,005	29,905	23,101	14,792	15,442
Interest Paid on Deposits	9,207	12,185	21,403	16,262	8,018	9,315
Net Interest Income	7,557	7,820	8,502	6,839	6,774	6,127
Net Interest Income Growth (YoY)	-15.59%	-8.02%	24.31%	0.97%	10.55%	7.56%
Income From Trading Activities	25.6	60.12	1.26	-1.08	4.14	5.23
Gain (Loss) on Sale of Assets	0.08	0.08	52.54	0.21	0.29	1.58
Gain (Loss) on Sale of Investments	578.32	444.08	476.06	166.51	234.93	268.71
Other Non-Interest Income	686.82	506.56	322.1	740.74	422.84	429.93
Total Non-Interest Income	1,291	1,011	851.96	906.38	662.2	705.45
Non-Interest Income Growth (YoY)	51.09%	18.65%	-6.00%	36.87%	-6.13%	60.96%
Revenues Before Loan Losses	8,848	8,831	9,354	7,745	7,436	6,833
Provision for Loan Losses	482.81	558.95	1,820	1,898	643.71	417.04
Revenue	8,365	8,272	7,534	5,847	6,792	6,416
Revenue Growth (YoY)	-5.45%	9.80%	28.85%	-13.92%	5.87%	22.96%
Salaries and Employee Benefits	4,219	3,965	3,304	2,940	2,543	2,577
Occupancy Expenses	665.42	610.92	532.73	488.52	528.45	454.57
Other Non-Interest Expense	2,985	3,012	2,925	2,321	2,391	1,972
Total Non-Interest Expense	7,869	7,588	6,762	5,750	5,462	5,003
EBT Excluding Unusual Items	496.31	684.26	771.93	96.96	1,330	1,413
Pretax Income	496.31	684.26	771.93	96.96	1,330	1,413
Income Tax Expense	237.44	274.73	305.1	35.79	446.53	576.64
Net Income	258.87	409.53	466.82	61.17	883.28	836.29
Net Income to Common	258.87	409.53	466.82	61.17	883.28	836.29
Net Income Growth	-62.39%	-12.27%	663.20%	-93.08%	5.62%	230.02%
Basic Shares Outstanding	164	164	164	164	118	77
Diluted Shares Outstanding	164	164	164	164	118	77
Shares Change (YoY)	-0.55%	-	-	38.75%	52.99%	23.95%
EPS (Basic)	1.58	2.49	2.84	0.37	7.47	10.81
EPS (Diluted)	1.58	2.49	2.84	0.37	7.47	10.81
EPS Growth	-62.18%	-12.27%	663.20%	-95.01%	-30.96%	166.26%
Dividend Per Share	-	-	-	-	1.468	2.203
Dividend Growth	-	-	-	-	-33.34%	22.02%
Effective Tax Rate	47.84%	40.15%	39.52%	36.91%	33.58%	40.81%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.