OUR BUSINESS MODEL

A FORCE OF

STRENGTH

A B e a c o n o f T r u s t

INPUTS

OUR BUSINESS ACTIVITIES

Financial

Capital

Manufactured

Capital

Human

Capital

Intellectual

Capital

Social and

Relationship

Capital

Natural

Capital

Lending

Refinancing

Transactional banking and
payment services

Deposit accepting

Fund management

Trustee, custodian and portfolio
management services

Investment banking

Foreign exchange and securities
management

Advisory services

Trade financing

Services we offer

Retail

Banking

Corporate and

Offshore Banking

International, Treasury,

Investment and

Overseas Operations

Our core banking activities

Underpinned by

Strategic Pillars

Excellence

in Customer

Experience

Digital

Excellence

Rewarding Credit

Culture and Healthy

Credit Portfolio

Building a

High-Performing

Team

Stability,

Governance

and Sustainable

Growth

OUR VISION

To be Nation’s preferred bank

with a strong global presence

providing customer-centric

innovative financial solutions.

Shareholder’s funds

LKR

251.7

billion

Deposits

LKR

3.9

trillion

Borrowings

LKR

176.9

billion

Customer touchpoints

No.

2,241

Investment in fixed assets

LKR

2.3

billion

Employees

No.

8,579

Investment in training and

development

LKR

200.1

million

Investment in brand

development

LKR

1,082.6

million

Average length of service

Years

Investment in digital

infrastructure

LKR

1.4

billion

Loyal and demographically

dispersed customer base

16.0

million

Correspondent banking

relationships

763

Registered suppliers and

service providers

536

Energy consumption

22,726.0

MWh

Water consumption

325,613.0

Land area utilised by the Bank

acres

Financial

Capital

Manufactured

Capital

Human

Capital

Intellectual

Capital

Social and

Relationship

Capital

Natural

Capital

Earnings per share

LKR

1,068

Profit generated
(Profit before tax)

LKR

40.3

billion

Balance sheet strength

LKR

4.4

trillion

Value to the Government

LKR

25.9

billion

Fixed assets value

LKR

42.6

billion

Staff promotion

946

New recruitments

764

Retention ratio

95 %

Overall gender ratio

(F:M)

60:40

Brand value

LKR

50.2

billion

Awards and accolates received

Processes automated

Digitally-enabled customers

34%

Digital transactions growth

16%

NPS ratio

33%

Customer satisfaction score

79%

Financing disbursed after ESMS compliance

LKR

1.1

billion

New facilities under green financing

LKR

530.9

million

Solar power generated

3,245.3

MWh

Decrease in carbon footprint

28%

Our business activities are geared towards providing our customers better financial well-being, embracing more sustainable

practices and generating meaningful value for our stakeholders in the short, medium and long term.

OUTPUTS

OUTCOMES

CONTRIBUTION

TO SDGs

Access to capital

Gross loans and advances portfolio

LKR 2.5 trillion

(2022 - LKR 2.6 trillion)

Digital banking

Transactions through Digital
Channels

43%

(2022 - 48%)

Sound investment thesis

Fund management portfolio

LKR 1.7 trillion

(2022 - LKR 1.6 trillion)

Employee benefits,

training, and development

Staff salaries, wages, and incentives

LKR 29.8 billion

(2022 - LKR 29.0 billion)

Access to financial services

Transactions processed

LKR 613.5 million

(2022 - LKR 620.5 million)

Branches refurbished/added

(2022 - 61)

Average man-hours of training

delivered per employee

(2022 - 16)

Interest income from investments

LKR 189.7 billion

(2022 - LKR 146.0 billion)

Resource
allocation
and capital
trade-offs

Sound
corporate
governance and
risk management