| Bank | Group | ||||||
| For the year ended 31 December | Note | 2022 LKR ’000 |
2021 LKR ’000 |
Change % |
2022 LKR ’000 |
2021 LKR ’000 |
Change % |
| Total income | 7 | 513,149,335 | 290,362,494 | 76.7 | 520,891,164 | 297,620,853 | 75.0 |
| Interest income | 456,267,458 | 260,513,393 | 75.1 | 463,203,346 | 266,565,137 | 73.8 | |
| Less: Interest expenses | 329,921,080 | 149,261,452 | 121.0 | 333,434,454 | 151,575,510 | 120.0 | |
| Net interest income | 8 | 126,346,378 | 111,251,941 | 13.6 | 129,768,892 | 114,989,627 | 12.9 |
| Fee and commission income | 22,837,771 | 17,649,434 | 29.4 | 23,165,682 | 17,931,406 | 29.2 | |
| Less: Fee and commission expenses | 6,486,129 | 3,470,032 | 86.9 | 6,505,334 | 3,508,619 | 85.4 | |
| Net fee and commission income | 9 | 16,351,642 | 14,179,402 | 15.3 | 16,660,348 | 14,422,787 | 15.5 |
| Net gains/(losses) from trading | 10 | 17,602,384 | 4,742,396 | 271.2 | 17,678,455 | 4,813,011 | 267.3 |
| Net fair value gains/(losses) from financial instruments at fair value through profit or loss | 11 | (804,438) | 1,347,097 | (159.7) | (956,745) | 1,309,021 | (173.1) |
| Net gains/(losses) from derecognition of financial assets | 12 | 861,349 | 393,920 | 118.7 | 877,853 | 466,392 | 88.2 |
| Net other operating income | 13 | 16,384,811 | 5,716,254 | 186.6 | 16,922,573 | 6,535,886 | 158.9 |
| Total operating income | 176,742,126 | 137,631,010 | 28.4 | 180,951,376 | 142,536,724 | 27.0 | |
| Less: Impairment charge/(reversal) for loans and other losses | 14 | 87,155,696 | 43,733,731 | 99.3 | 87,294,905 | 43,661,965 | 99.9 |
| Net operating income | 89,586,430 | 93,897,279 | (4.6) | 93,656,471 | 98,874,759 | (5.3) | |
| Less: Operating expenses | |||||||
| Personnel expenses | 15 | 28,991,429 | 24,981,940 | 16.0 | 31,352,978 | 26,925,255 | 16.4 |
| Depreciation and amortisation expenses | 16 | 4,286,899 | 4,146,256 | 3.4 | 4,507,368 | 4,239,633 | 6.3 |
| Other expenses | 17 | 14,018,161 | 12,552,393 | 11.7 | 15,423,966 | 13,866,816 | 11.2 |
| Total operating expenses | 47,296,489 | 41,680,589 | 13.5 | 51,284,312 | 45,031,704 | 13.9 | |
| Operating profit/(loss) before taxes on financial services | 42,289,941 | 52,216,690 | (19.0) | 42,372,159 | 53,843,055 | (21.3) | |
| Less: Taxes on financial services | 18.1 | 11,313,292 | 9,027,173 | 25.3 | 11,442,505 | 9,339,679 | 22.5 |
| Operating profit/(loss) after taxes on financial services | 30,976,649 | 43,189,517 | (28.3) | 30,929,654 | 44,503,376 | (30.5) | |
| Share of profits/(losses) of associate companies, net of tax | 19 | – | – | – | 122,847 | 133,677 | (8.1) |
| Profit/(loss) before income tax | 30,976,649 | 43,189,517 | (28.3) | 31,052,501 | 44,637,053 | (30.4) | |
| Less: Income tax expense | 18.2 | (995,759) | 5,599,410 | (117.8) | (796,516) | 5,953,659 | (113.4) |
| Profit/(loss) for the year | 31,972,408 | 37,590,107 | (14.9) | 31,849,017 | 38,683,394 | (17.7) | |
| Profit attributable to: | |||||||
| Equity holder of the Bank | 31,972,408 | 37,590,107 | (14.9) | 31,994,638 | 38,490,392 | (16.9) | |
| Non-controlling interest | – | – | – | (145,621) | 193,002 | (175.5) | |
| Profit/(loss) for the year | 31,972,408 | 37,590,107 | (14.9) | 31,849,017 | 38,683,394 | (17.7) | |
| Earnings per share and dividend per share | 20 | ||||||
| Basic earnings per share (LKR) | 1,278.90 | 1,503.60 | (14.9) | 1,279.79 | 1,539.62 | (16.9) | |
| Diluted earnings per share (LKR) | 1,272.08 | 1,503.60 | (15.4) | 1,272.96 | 1,539.62 | (17.3) | |
| Dividend per share (LKR) | 13.86 | 73.86 | (81.2) | 13.86 | 73.86 | (81.2) | |
2022
