| Bank | Group | |||||
| 2022 | 2021 | Change % | 2022 | 2021 | Change % | |
| Results of Operations (LKR million) | ||||||
| Total income | 513,149 | 290,362 | 76.7 | 520,891 | 297,621 | 75.0 |
| Net interest income | 126,346 | 111,252 | 13.6 | 129,769 | 114,990 | 12.9 |
| Profit before taxes on financial services | 42,290 | 52,217 | (19.0) | 42,372 | 53,843 | (21.3) |
| Profit before tax | 30,977 | 43,190 | (28.3) | 31,053 | 44,637 | (30.4) |
| Profit after tax | 31,972 | 37,590 | (14.9) | 31,849 | 38,683 | (17.7) |
| Value to the Government | 31,949 | 20,710 | 54.3 | 32,606 | 21.433 | 52.1 |
| Financial Position (LKR million) | ||||||
| Total assets | 4,336,460 | 3,803,284 | 14.0 | 4,390,769 | 3,847,950 | 14.1 |
| Gross loans and advances | 2,584,779 | 2,576,668 | 0.3 | 2,617,905 | 2,612,567 | 0.2 |
| Loans and advances net of provisioning for impairment | 2,325,594 | 2,413,762 | (3.7) | 2,355,978 | 2,446,330 | (3.7) |
| Deposits due to customers | 3,334,774 | 2,866,894 | 16.3 | 3,358,198 | 2,886,237 | 16.4 |
| Total liabilities | 4,082,276 | 3,602,524 | 13.3 | 4,118,238 | 3,632,553 | 13.4 |
| Total equity | 254,184 | 200,760 | 26.6 | 272,531 | 215,397 | 26.5 |
| Per Share Data (LKR) | ||||||
| Basic earnings per share | 1,279 | 1,504 | (14.9) | 1,280 | 1,540 | (16.9) |
| Net assets value per share | 10,167 | 8,030 | 26.6 | 10,859 | 8,552 | 27.0 |
| Performance Ratios (%) | ||||||
| Return on average assets | 0.8 | 1.3 | (0.5) | 0.8 | 1.3 | (0.5) |
| Return on average equity | 14.1 | 21.0 | (6.9) | 13.1 | 20.1 | (7.0) |
| Interest margin | 3.1 | 3.3 | (0.2) | 3.2 | 3.4 | (0.2) |
| Cost to income | 29.4 | 32.0 | (2.6) | 30.8 | 33.2 | (2.4) |
| Loans to deposits | 77.5 | 89.9 | (12.4) | 78.0 | 90.5 | (12.5) |
| Debt to equity | 43.9 | 51.0 | (7.1) | – | – | – |
| Impairment provision as a percentage of gross loans and advances |
10.0 | 6.3 | 3.7 | 10.0 | 6.4 | 3.6 |
| Impaired loans (Stage 3) | 5.3 | 5.1 | 0.2 | |||
| Impairment (Stage 3) to stage 3 loans | 59.7 | 49.1 | 10.6 | |||
| Statutory Ratios (%) | ||||||
| Liquid assets ratio (domestic) (minimum requirement 20%) | 21.22 | 24.97 | (3.75) | – | – | |
| Liquidity coverage ratio (LKR) (Minimum requirement 2022 – 90%, 2021 – 100%) |
169.0 | 169.0 | – | – | – | |
| Liquidity coverage ratio (all currency) (Minimum requirement 2022 – 90%, 2021 – 100%) |
122.8 | 111.5 | 11.3 | – | – | |
| Net stable funding ratio (Minimum requirement 2022 – 90%, 2021 – 100%) |
139.0 | 125.0 | 12.0 | – | – | |
| Leverage ratio (Minimum requirement – 3%) | 4.6 | 4.7 | (0.1) | 4.7 | 4.8 | (0.1) |
| Capital Adequacy Ratios (%) | ||||||
| Common equity Tier I Capital (Minimum requirement – 8.50%) |
11.3 | 12.9 | (1.6) | 11.3 | 12.8 | (1.5) |
| Tier I capital (Minimum requirement – 10.00%) | 12.4 | 14.3 | (1.9) | 12.4 | 14.1 | (1.7) |
| Total Capital (Minimum requirement – 14.00%) | 15.4 | 17.8 | (2.4) | 15.3 | 17.6 | (2.3) |
2022
