INPUTS
Capitals
Financial Capital
LKR 254.1 billion
shareholder’s funds
LKR 3.3 trillion
deposits
LKR 646.0 billion
borrowings
Manufactured Capital
2,166 Customer touch points
LKR 34.8 billion worth of fixed assets
Human Capital
8,209 employees
59% female representation
11+ years
average length
of service
LKR 73.9 million
investment in training
and development
Social and Relationship Capital
14.9 million customers
784
correspondent
relationships
602
registered suppliers
and service providers
Intellectual Capital
LKR 53.9 billion
brand value
Natural Capital
25,301.4 Mwh
energy consumption
283,463 m3 water consumption
47 acres land area utilised by the Bank
2 new special loan schemes introduced for green technology
VALUE TRANSFORMATION
Business lines
Retail Banking
Corporate and Offshore Banking
International, Treasury, Investment, and Overseas Operations
Activities
- 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
Fundamentals
Sound corporate governance and risk management
Stakeholder outcomes
Resource allocation and capital trade-offs
Embedding sustainability
OUTPUTS
Access to capital
LKR 2.6 trillion (+0.3%)
gross loans and advances portfolio
Access to
financial services
620.5 million (+21%)
transactions processed
Modern digital banking
LKR 1.8 billion
investment in digital infrastructure
48%
of transactions through digital or
electronic banking channels
614,401
registrations for digital banking products
and platforms
Sound investment thesis
LKR 1.6 trillion
(+44%)
fund management portfolio
LKR 146.0 billion (+117%) interest income from investments
Employee remuneration,
training, and development
average 16 man-hours
of training delivered per employee
LKR 29.0 billion (+16%) staff salaries, wages, and incentives
OUTCOMES
Macroeconomic stability
2,500
direct and indirect
jobs created
USD 3.2 billion
inward remittances recorded
LKR 31.9 billion
value to the Government
National development
USD 1.9 billion
facilitated for fuel and gas importation
LKR 52.6 billion
in concessionary facilities to MSMEs during the year
Financial inclusion
LKR 570.0 million
transactions executed through BoC Connect
LKR 13.1 billion
disbursed to the microfinance sector
31%
of microfinancing to women-owned/women-headed businesses
Resilient businesses
LKR 74.4 billion
moratoria granted
33
businesses successfully
rehabilitated
22
businesses under
revival support
Satisfied customers
35
Net promoter score
78%
Customer satisfaction rate
High-performing team
588
merit-based
promotions awarded
LKR 3.5 million
value addition per
employee
LKR 3.8 million
profit per employee
Stable and sustainable bank
77%
total income growth
14%
asset growth
LKR 53.9 billion
brand value
Response to local and global challenges
LKR 4.7 billion
financing disbursed after ESMS compliance
LKR 711.6 million
new facilities under green financing
3,219.3 Mwh
solar power generated