Annual Report 2025
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    Supplementary Information

    GRI Content Index

    Statement of use DFCC Bank PLC has reported in accordance with the GRI Standards for the
    1 January 2025 to 31 December 2025
    GRI 1 used GRI 1: Foundation 2021
    GRI Standard/
    Other Source         		Disclosure Location/Page reference
    in the printed report         		Omission
    Requirement(s) Omitted Reason Explanation
    General disclosures
    GRI 2: General Disclosures 2021 2-1 Organisational details 524
    2-2 Entities included in the organisation’s sustainability reporting 05–06
    2-3 Reporting period, frequency and contact point 04, 10
    2-4 Restatements of information Note 1
    2-5 External assurance 09
    2-6 Activities, value chain and other business relationships 15–18, 70–71, 99
    2-7 Employees 109
    2-8 Workers who are not employees 109
    2-9 Governance structure and composition 34–39, 74–75, 206, 207, 208, 211, 213
    2-10 Nomination and selection of the highest governance body 229, 282
    2-11 Chair of the highest governance body 34
    2-12 Role of the highest governance body in overseeing the management of impacts 211, 214
    2-13 Delegation of responsibility for managing impacts 211
    2-14 Role of the highest governance body in sustainability reporting 10, 211
    2-15 Conflicts of interest 222
    2-16 Communication of critical concerns Note 2
    2-17 Collective knowledge of the highest governance body 212
    2-18 Evaluation of the performance of the highest governance body 209
    2-19 Remuneration policies 209, 228, 112–113
    2-20 Process to determine remuneration 209, 228, 112–113
    2-21 Annual total compensation ratio – 2-21 Confidentiality constraints Information not disclosed due to confidentiality reasons
    2-22 Statement on sustainable development strategy 28–30, 205
    2-23 Policy commitments 106, 207,
    210, 214
    2-24 Embedding policy commitments 106, 207, 210, 214
    2-25 Processes to remediate negative impacts 106–107, 210,
    224, 239
    2-26 Mechanisms for seeking advice and raising concerns 106, 210, 226
    2-27 Compliance with laws and regulations Note 3
    2-28 Membership associations 133
    2-29 Approach to stakeholder engagement 50–57
    2-30 Collective bargaining agreements Note 4
    Material topics
    GRI 3: Material Topics 2021 3-1 Process to determine material topics 07, 58–65
    3-2 List of material topics 59–65
    Economic performance
    GRI 3: Material Topics 2021 3-3 Management of material topics (Resilient and Responsible Banking) 61
    GRI 201: Economic Performance 2016 201-1 Direct economic value generated and distributed 93
    201-2 Financial implications and other risks and opportunities due to climate change 163–203
    201-3 Defined benefit plan obligations and other retirement plans 451
    201-4 Financial assistance received from government Note 5
    Market presence
    GRI 3: Material Topics 2021 3-3 Management of material topics (Financial Inclusion and Socio-economic Stability) 65
    GRI 202: Market Presence 2016 202-1 Ratios of standard entry level wage by gender compared to local minimum wage 113
    202-2 Proportion of senior management hired from the local community 109
    Indirect economic impacts
    GRI 3: Material Topics 2021 3-3 Management of material topics (Resilient and Responsible Banking, Financial Inclusion and Socio-economic Stability) 61, 64–65
    GRI 203: Indirect Economic Impacts
    2016         		203-1 Infrastructure investments and services supported 127–132, 139, 153
    203-2 Significant indirect economic impacts 127, 139, 153
    Anti-corruption
    GRI 3: Material Topics 2021 3-3 Management of material topics
    (Ethical conduct and compliance)     		64
    GRI 205: Anti-corruption 2016 205-1 Operations assessed for risks related to corruption Note 6
    205-2 Communication and training about anti-corruption policies and procedures 119
    205-3 Confirmed incidents of corruption and actions taken Note 6
    Tax
    GRI 3: Material Topics 2021 3-3 Management of material topics – (Ethical conduct and compliance) 64
    GRI 207:
    Tax 2019         		207-1 Approach to tax 89
    207-2 Tax governance, control, and risk management 89
    207-3 Stakeholder engagement and management of concerns related to tax 55
    207-4 Country-by-country reporting 304–480
    Energy
    GRI 3: Material Topics 2021 3-3 Management of material topics (Climate Action and Ecological Enhancement) 63
    GRI 302: Energy 2016 302-1 Energy consumption within the organisation 145-146
    302-2 Energy consumption outside of the organisation 145-146
    302-3 Energy intensity 145-146
    302-4 Reduction of energy consumption 145-146
    302-5 Reductions in energy requirements of products and services Note 7
    Emissions
    GRI 3: Material Topics 2021 3-3 Management of material topics
    (Climate Action and Ecological Enhancement)     		63
    305-1 Direct (Scope 1) GHG emissions 149–150
    305-2 Indirect (Scope 2) GHG emissions 149–150
    305-3 Other indirect (Scope 3) GHG emissions 149
    305-4 GHG emissions intensity 149–150
    305-5 Reduction of GHG emissions 149
    305-6 Emissions of ozone-depleting substances (ODS) 149–150
    305-7 Nitrogen oxides (NOx), sulfur oxides (SOx), and other significant air emissions 149–150
    Employment
    GRI 3: Material Topics 2021 3-3 Management of material topics – (Financial Inclusion and Socio-economic Stability) 65
    GRI 401: Employment 2016 401-1 New employee hires and employee turnover 110–112
    401-2 Benefits provided to full-time employees that are not provided to temporary or part-time employees 113–114
    401-3 Parental leave 114
    Training and education
    GRI 3: Material Topics 2021 3-3 Management of material topics (Financial Inclusion and Socio-economic Stability) 65
    GRI 404: Training and Education 2016 404-1 Average hours of training per year per employee 117
    404-2 Programs for upgrading employee skills and transition assistance programs 118–119
    404-3 Percentage of employees receiving regular performance and career development reviews 114
    Diversity and equal opportunity
    GRI 3: Material Topics 2021 3-3 Management of material topics (Financial Inclusion and Socio-economic Stability) 65
    GRI 405: Diversity and Equal Opportunity 2016 405-1 Diversity of governance bodies and employees 108
    405-2 Ratio of basic salary and remuneration of women to men 113
    Non-discrimination
    GRI 3: Material Topics 2021 3-3 Management of material topics (Financial Inclusion and Socio-economic Stability) 65
    GRI 406: Non-discrimination 2016 406-1 Incidents of discrimination and corrective actions taken Note 8
    Local communities
    GRI 3: Material Topics 2021 3-3 Management of material topics (Financial Inclusion and Socio-economic Stability) 65
    GRI 413: Local Communities 2016 413-1 Operations with local community engagement, impact assessments, and development programs 127–132
    413-2 Operations with significant actual and potential negative impacts on local communities Note 9
    Marketing and labelling
    GRI 3: Material Topics 2021 3-3 Management of material topics (Resilient and Responsible Banking, Financial Inclusion
    and Socio-economic Stability)     		61, 65
    GRI 417: Marketing and Labelling 2016 417-1 Requirements for product and service information and labelling 122, 124
    417-2 Incidents of non-compliance concerning product and service information and labelling 122, 124
    417-3 Incidents of non-compliance concerning marketing communications 126
    Customer privacy
    GRI 3: Material Topics 2021 3-3 Management of material topics – (Resilient and Responsible Banking, Ethical Conduct and Compliance Financial Inclusion and Socio-economic Stability) 61, 64–65
    GRI 418: Customer Privacy 2016 418-1 Substantiated complaints concerning breaches of customer privacy and losses of customer data Note 10

    Notes to the GRI Index

    Note Number GRI
    Reference     		Explanation/Remarks
    1 GRI 2-4 No restatements for the reporting period
    2 GRI 2-16 Three critical concerns were communicated to the highest governing body, i.e. the Board during the reporting period and all three have been resolved during the year.
    3 GRI 2-27 No penalties were imposed during the year for non- compliance of laws and regulations.
    4 GRI 2-30 The staff of DFCC Bank do not belong to any unions, Hence, there are no collective bargaining agreements in place.
    5 GRI 201-4 The Bank makes use of concessionary loan schemes and subsidies provided by the Government of Sri Lanka.
    6 GRI 205-1 GRI 205-3 All the operations of the Bank were assessed for risks related to corruption during the reporting period, and no corruption-related risks were identified. No incidents with regard to corruption were reported during the year.
    7 GRI 302-5 Reductions in energy requirements of products and services are not assessed at present.
    8 GRI 406-1 No incidents with regard to discrimination were reported during the year.
    9 GRI 413-2 There are no negative impact on local communities that we are aware of at present.
    10 GRI 418-1 No substantiated complaints concerning breaches of customer privacy and losses of customer data were reported during the year.
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