Cargills Bank Q3 2025: Profit DOUBLED! | CBNK Stock Analysis | CSE Reports Hub

Cargills Bank PLC (CBNK.N) Q3 2025 Financial Results | Sri Lanka Banking Sector Analysis

Cargills Bank reports strong performance for nine months ended September 30, 2025, demonstrating resilience in Sri Lanka's banking sector. This comprehensive analysis covers CBNK quarterly results, profit growth, loan book expansion, and capital adequacy ratios. Learn about Cargills Bank financial performance, asset quality improvement, and strategic positioning in the commercial banking industry. Key highlights include significant reduction in impairment charges, robust capital ratios, and steady deposit growth. Perfect for investors tracking Sri Lanka stocks, banking sector trends, and Colombo Stock Exchange opportunities.

Key Metrics (Nine Months Ended 30 September 2025):

Profit After Tax: Rs. 313 Million (97% increase from Rs. 159 Million in 2024)
Profit Before Tax: Rs. 620 Million (61% increase)
Net Interest Income: Rs. 2,743 Million (10% growth)
Total Assets: Rs. 88.5 Billion (10% growth, up Rs. 8.2 Billion)
Loan Book: Rs. 60.4 Billion (31% growth, up Rs. 14.3 Billion)
Customer Deposits: Rs. 62.5 Billion (5% increase)
Total Capital Ratio: 17.08% (well above 12.5% minimum)
Impairment Charges: Rs. 162 Million (80% decrease from Rs. 811 Million)
Stage 3 Loans Ratio: 7.55% (improved from 8.74%)
Cost-to-Income Ratio: 70.31%
Net Fee and Commission Income: Rs. 682 Million (10% growth)
Basic Earnings Per Share: Rs. 0.35

00:00 - Intro
00:55 - Company Overview
02:19 - Income Statement Analysis
03:33 - Balance Sheet Analysis
04:49 - Cash Flow Analysis
06:05 - Major Shareholding List
06:31 - Financial Ratios
09:29 - 5 Year Summary
12:25 - Price Chart
12:59 - Like, Share & Subscribe

This video provides a deep dive into understanding financial statements, focusing on the balance sheet and income statement. Learn how to conduct effective financial analysis using key financial ratios.

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Disclaimer
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The information provided in this video is for educational and informational purposes only and should not be considered as financial, investment, or trading advice. The discussions, analyses, and insights shared do not constitute buy, sell, or hold recommendations for any stocks, securities, or financial instruments.

Investing in financial markets involves risks, and past performance is not indicative of future results. Viewers are encouraged to conduct their own research, assess their risk tolerance, and consult with a qualified financial advisor before making any investment decisions.

The creator of this video is not responsible for any financial losses or decisions made based on the information presented. All investment decisions are solely at your own discretion and risk.

By watching this video, you acknowledge and agree that you are solely responsible for your financial actions.
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