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| BANK |
GROUP |
|||||
| For the year ended 31 December |
Note | 2025 LKR ’000 |
2024 LKR ’000 | 2025 LKR ’000 |
2024 LKR ’000 |
|
| Gross income | 10 | 96,696,272 | 89,559,338 | 97,281,559 | 90,156,259 | |
| Interest income | 81,344,512 | 76,907,481 | 81,347,355 | 76,910,407 | ||
| Interest expenses | 50,391,790 | 48,786,254 | 50,312,768 | 48,708,495 | ||
| Net interest income | 11 | 30,952,722 | 28,121,227 | 31,034,587 | 28,201,912 | |
| Fee and commission income | 9,561,602 | 6,334,637 | 9,561,077 | 6,333,848 | ||
| Fee and commission expenses | 2,248,505 | 1,405,415 | 2,248,505 | 1,405,415 | ||
| Net fee and commission income | 12 | 7,313,097 | 4,929,222 | 7,312,572 | 4,928,433 | |
| Net gains from trading | 13 | 2,481,139 | 1,272,879 | 2,481,139 | 1,272,879 | |
|
Net gains from derecognition of financial assets |
14 | 1,687,725 | 3,868,231 | 1,687,725 | 3,868,231 | |
| Net other operating income | 15 | 1,621,294 | 1,176,110 | 2,204,263 | 1,770,894 | |
| Total operating income | 44,055,977 | 39,367,669 | 44,720,286 | 40,042,349 | ||
|
Impairment charges for loans and other losses |
16 | 4,926,283 | 4,648,360 | 4,926,283 | 4,648,360 | |
| Net operating income | 39,129,694 | 34,719,309 | 39,794,003 | 35,393,989 | ||
| Operating expenses | ||||||
| Personnel expenses | 17 | 7,949,099 | 8,328,225 | 8,124,463 | 8,580,640 | |
| Depreciation and amortisation | 18 | 1,472,652 | 1,216,293 | 1,522,704 | 1,290,198 | |
| Other expenses | 19 | 9,385,843 | 7,260,546 | 9,456,213 | 7,289,290 | |
|
Operating profit before taxes on financial services |
20,322,100 | 17,914,245 | 20,690,623 | 18,233,861 | ||
| Taxes on financial services | 20 | 4,740,428 | 4,415,824 | 4,740,428 | 4,415,824 | |
|
Operating profit after taxes on financial services |
15,581,672 | 13,498,421 | 15,950,195 | 13,818,037 | ||
| Share of profit of associate | – | – | 3,100 | 1,536 | ||
| Profit before income tax | 15,581,672 | 13,498,421 | 15,953,295 | 13,819,573 | ||
| Income tax expense | 21 | 4,521,351 | 5,145,890 | 4,722,753 | 5,265,098 | |
| Profit for the year from continuing operations | 11,060,321 | 8,352,531 | 11,230,542 | 8,554,475 | ||
| Discontinued Operation | ||||||
|
Profit for the year from discontinued operations, net of tax |
22 | 4,967,916 | – | 300,962 | 1,377,926 | |
| Profit for the year | 16,028,237 | 8,352,531 | 11,531,504 | 9,932,401 | ||
| Profit attributable to: | ||||||
| Equity holders of the Bank | 16,028,237 | 8,352,531 | 11,368,784 | 9,777,516 | ||
| Non-controlling interests | – | – | 162,720 | 154,885 | ||
| Profit for the year | 16,028,237 | 8,352,531 | 11,531,504 | 9,932,401 | ||
| Earnings per share | ||||||
| Basic/diluted earnings per ordinary share (LKR) | 23 | 36.66 | 19.40 | 26.00 | 22.71 | |
| Basic/diluted earnings per ordinary share (LKR) continuing operations | 23 | 25.30 | 19.40 | 25.31 | 19.51 | |
The notes to the financial statements from pages 315 to 480 form part of these financial statements.