Annual Report 2025
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    A DEFINING LEAP IN CUSTOMER-CENTRIC BANKING

    For seventy years, DFCC Bank has advanced alongside Sri Lanka’s progress, strengthening industries, supporting enterprise, and enabling communities to move forward with confidence. Our journey has been shaped by discipline, foresight and a belief that banking must serve something larger than itself.

    In 2025, that belief took a defining leap, as we reimagined banking around service excellence, clarity, speed and accountability, ensuring that every interaction, across every touchpoint, reflected consistency and care.

    As we accelerate digital capability, we are equally elevating human judgement. Technology simplifies; people strengthen. Together, they shape service that is responsive, dependable and worthy of trust.

    As a fully-fledged commercial bank with a proud development heritage, we combine scale with responsibility, delivering forward-looking solutions while remaining grounded in purpose.

    Our commitment remains unchanged, to widen opportunity and strengthen Sri Lanka’s confidence in its own potential. With every step forward, we move closer to the people we serve, rising with a nation we are proud to stand beside.

    A DEFINING LEAP IN CUSTOMER-CENTRIC BANKING

    For seventy years, DFCC Bank has advanced alongside Sri Lanka’s progress, strengthening industries, supporting enterprise, and enabling communities to move forward with confidence. Our journey has been shaped by discipline, foresight and a belief that banking must serve something larger than itself.

    WELCOME TO OUR 13TH INTEGRATED ANNUAL REPORT

    DFCC Bank PLC is pleased to present its 13th Integrated Annual Report covering the financial year ended 31 December 2025, showcasing how sustainable long-term stakeholder value is delivered through resilience and responsible growth.

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    VISION

    To be the leading financial solutions provider, sustainably developing individuals and businesses.

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    MISSION

    To provide innovative and responsible solutions true to our values, with the expertise of our multidisciplinary team of professionals and the synergies of our financial services group.

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    VALUES

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    Passion

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    Authenticity

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    Courage

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    Collaboration

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    Excellence

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    DFCC Bank Chairman

    Leading the Way

    MESSAGE FROM THE CHAIRMAN

    “The year 2025 marks a defining chapter in DFCC Bank’s seventy year journey. It was a year in which strategic clarity, disciplined execution and cultural alignment converged to reposition the Bank firmly within Sri Lanka’s mainstream banking landscape.”

    J. Durairatnam
    Chairman

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    Leading the Way

    CHIEF EXECUTIVE OFFICER’S REVIEW

    “As I reflect on 2025, one conviction stands clear: progress is earned. It is built through discipline, competence, and the courage to rethink what banking can be. This was a year in which DFCC Bank did not merely participate in change; we shaped it.”

    N H T I Perera
    Chief Executive Officer

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    DFCC Bank CEO

    Highlights

    FINANCIAL HIGHLIGHTS

    Total income (LKR)

    97,282 Mn.

    2024 - 90,156 Mn.

    Total assets (LKR)

    858,240 Mn.

    2024 - 709,884 Mn.

    Total liabilities (LKR)

    749,545 Mn.

    2024 - 620,038 Mn.

    Total equity and liabilities (LKR)

    858,240 Mn.

    2024 - 709,884 Mn.

    Highlights

    NON-FINANCIAL HIGHLIGHTS

    Natural Capital
    (LKR)

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    19,350 Mn.

    Green financing portfolio

    Manufactured Capital
    (LKR)

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    1,216.50 Mn.

    Investment in PPE

    Human Capital

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    2,500

    Employees

    Intellectual Capital
    (LKR)

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    1,136.98 Mn.

    Investment in Intellectual Property

    DFCC Bank has built a strong position in sustainable finance

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    2023

    The first Sri Lankan entity accredited by the Green Climate Fund

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    2024

    Issued first listed green bond in September to fund renewable energy projects

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    2025

    Sri Lanka’s inaugural blue bond in November to support ocean and water-related sustainability initiatives

    We are DFCC Bank

    SUSTAINABILITY AND RESPONSIBLE BANKING

    Sustainability is embedded within DFCC Bank’s long-term strategy and approach to value creation. The Bank’s commitment reflects a recognition that resilience in banking depends on how effectively financial institutions support sustainable economic transition, inclusive development and climate resilience.

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