BANK		GROUP
As at 31 December	Note	2025 LKR ’000	2024 LKR ’000	2025 LKR ’000	2024 LKR ’000
Assets
Cash and cash equivalents	26	22,771,091	13,504,806	22,804,954	13,523,475
Balances with Central Bank of Sri Lanka	27	2,952,879	2,328,346	2,952,879	2,328,346
Placements with banks	28	37,442,912	11,229,492	37,442,912	11,229,492
Derivative financial assets	29	8,494,001	9,643,442	8,494,001	9,643,442
Financial assets measured at fair value through profit or loss	30	9,015,005	7,416,018	9,015,005	7,416,018
Financial assets at amortised cost – Loans and advances to banks	31	–	1,500,338	–	1,500,338
Financial assets at amortised cost – Loans and advances to customers	32	510,924,245	395,047,053	510,924,245	395,047,053
Financial assets measured at fair value through other comprehensive income – Loans and advances to customers	33	4,619,866	–	4,619,866	–
Financial assets at amortised cost – Debt and other instruments	34	114,795,690	105,641,690	114,804,987	105,701,871
Financial assets measured at fair value through other comprehensive income	35	124,552,817	138,258,226	124,552,817	138,258,226
Investments in subsidiaries	36	237,035	237,035	–	–
Investments in associate	37	33,169	33,169	41,876	38,597
Investment properties	38	9,879	9,879	598,166	490,069
Property, plant and equipment	39	4,508,724	3,872,654	4,777,359	4,080,706
Intangible assets and goodwill	40	2,608,324	2,001,636	2,785,560	2,170,201
Deferred tax assets	41	5,731,675	4,893,483	5,745,154	4,913,002
Current tax assets	49	–	–	1,138	2,010
Other assets	42	8,449,154	7,821,132	8,678,825	8,060,939
Asset held for sale	43	–	755,000	–	5,480,475
Total assets		857,146,466	704,193,399	858,239,744	709,884,260
Liabilities
Due to banks	44	12,372,311	7,149,474	12,372,311	7,149,474
Derivative financial liabilities	29	201,000	909,188	201,000	909,188
Financial liabilities at amortised cost – Due to depositors	45	564,758,931	465,153,180	563,905,482	464,359,564
Financial liabilities at amortised cost – Due to other borrowers	46	134,354,757	96,755,632	134,363,917	96,755,632
Debt securities issued	47	12,286,859	14,690,723	12,286,859	14,690,723
Retirement benefit obligations	48	1,182,185	1,409,232	1,220,570	1,450,966
Current tax liabilities	49	2,669,112	3,066,586	2,757,706	3,160,100
Deferred tax liability	41	–	–	54,628	96,804
Other liabilities and provisions	50	12,545,239	12,792,333	13,018,783	13,231,205
Subordinated term debt	51	9,363,299	18,234,054	9,363,299	18,234,054
Total liabilities		749,733,693	620,160,402	749,544,555	620,037,710
Equity
Stated capital	53	15,445,973	14,710,454	15,445,973	14,710,454
Statutory reserve fund	54	4,459,968	3,657,968	4,459,968	3,657,968
Retained earnings	55	50,291,230	35,834,730	52,160,931	42,668,104
Other reserves	56	37,215,602	29,829,845	36,050,830	28,363,593
Total equity attributable to equity holders of the Bank		107,412,773	84,032,997	108,117,702	89,400,119
Non-controlling interests	57	–	–	577,487	446,431
Total equity		107,412,773	84,032,997	108,695,189	89,846,550
Total equity and liabilities		857,146,466	704,193,399	858,239,744	709,884,260
Contingent liabilities and commitments	58	262,236,519	222,538,011	262,236,519	222,538,011
Net asset value per share (LKR)		245.01	194.22	246.62	206.63

The notes to the financial statements from pages 315 to 480 form part of these financial statements.

I certify that these financial statements comply with the requirements of the Companies Act No. 07 of 2007.

Chinthika Amarasekara
Chief Financial Officer

The Board of Directors is responsible for the preparation of these financial statements.

For and on behalf of the Board.

J Durairatnam
Chairman

Thimal Perera
Director/Chief Executive Officer

Colombo24
February 2026