Year ended 31 December	Group
	2025 LKR Mn	2024 LKR Mn	2023 LKR Mn	2022 LKR Mn	2021 LKR Mn
Operating Results
Total income	97,282	90,156	107,442	75,471	43,029
Profit before tax	15,953	13,820	11,369	3,112	4,859
Tax expense	5,499	5,265	3,850	70	1,194
Profit attributable to equity holders of the bank	11,369	9,778	8,485	2,932	3,549
Statement of Financial Position
Assets
Cash and short term funds	63,201	27,081	45,765	40,400	26,383
Loans to and receivables from banks and other customers	515,544	395,047	348,767	369,072	365,901
Financial investments	248,373	252,876	204,738	115,696	81,226
Investments in associate and joint venture	42	39	4,439	3,613	2,840
Other assets	31,080	34,841	41,812	40,755	11,907
Total assets	858,240	709,884	645,521	569,536	488,257
Liabilities
Due to depositors	563,905	464,360	406,585	369,746	319,362
Due to other borrowers	168,386	136,830	150,200	131,707	107,623
Other liabilities	17,254	18,848	16,360	13,762	9,507
Total liabilities	749,545	620,038	573,145	515,215	436,492
Equity
Total equity attributable to equity holders of the bank	108,118	89,400	71,984	54,015	51,448
Non – controlling interests	577	446	392	306	317
Total equity and liabilities	858,240	709,884	645,521	569,536	488,257
Return on equity %*	14.18	13.95	13.95	5.60	7.45
Return on total assets, %*	2.08	2.07	1.88	0.59	1.02
Earnings per share (LKR) – Continuing operations	25.31	19.51	17.58	7.88	11.17
Net asset value per share (LKR)	246.62	206.63	170.60	134.14	160.51
Common Equity Tier I capital ratio (%) (Basel III)	13.61	13.61	12.46	9.94	9.28
Tier I capital ratio (%) (Basel III)	13.61	13.61	12.46	9.94	9.28
Total capital ratio (%) (Basel III)	15.99	16.96	14.48	12.99	13.00

*After eliminating fair value reserve.