ESG Scorecard

Figures are given for the DFCC Bank unless otherwise specified.

Environmental

Natural Capital
Key Indicator Unit/Measure 2025 2024
Green financing portfolio LKR Mn 19,350 12,889
New green finance facilities LKR Mn 10,303 4,413
Investment in bonds under green financing LKR Mn 500
Facilities screened for E & S compliance Number 329 244
New funding secured under green financing LKR Mn 6,716 2,500
DFCC Green Bond financed portfolio – avoided/reduced GHG emission attributed to DFCC Bank tCO₂e 16,205 2,251
Direct GHG Emission (Scope 1) tCO₂e 516.622 483.47
Indirect GHG Emission (Scope 2) tCO₂e 2,494.256 2,530.76
Emission intensity (Scope 1) tCO₂e per employee 0.207 0.198
Emission intensity (Scope 2) tCO₂e per employee 0.998 1.038
Solar power generated electricity kWh 376,951 405,026
Paper recycled Kilograms 8,807 8,541

Social

Manufactured Capital
Key Indicator Unit/Measure 2025 2024
Branches Number 133 139
Total ATMs Number 132 133
Total CRMs Number 102 94
Off-site ATMs Number 20 19
Off-site CRMs Number 15 8
Investment in PPE LKR Mn 1,216.50 1,268.00
Intellectual Capital
Key Indicator Unit/Measure 2025 2024
Brand Value (Brand Finance) LKR Mn 4,741
Brand ranking (Brand Finance Rating) Number 27
Credit rating (Fitch Rating) Rating A (lka) A- (lka)
Investment in Intellectual Property LKR Mn 1,136.98 460.00
Human Capital
Key Indicator Unit/Measure 2025 2024
Employees Number 2,500 2,439
Employee retention ratio % 82% 87%
New recruits Number 577 807
Internal staff promotions Number 401 371
Female representation in management (AVP & above) Number 45 36
Gender diversity ratio (Male:Female) Ratio 55:45 54:46
Internship opportunities provided Number 100 71
Investment in training LKR Mn 113.4 52.29
Training hours Number 102,160 101,524
Average training hours per employee Number 33.8 23.2
Value distributed to employees as emoluments LKR Mn 7,949 8,328
Profit per employee LKR Mn 4.42 3.42
Differently abled employees Number 5 7
Social and Relationship Capital
Key Indicator Unit/Measure 2025 2024
Customer base Number Over 900,000 Over 800,000
New customers Number Over 100,000 Over 90,000
DFCC One App downloads Number 110,750 17,747
DFCC One App active users Number 102,258 17,265
DFCC One App transaction volume growth Number 5,133,685 60,787
New customers onboarded through DFCC One App and Online Banking Number 193,860 57,640
New customers onboarded through DFCC iConnect Number 1,401 1,058
New customers onboarded through digital onboarding Number 236 225
DFCC Aloka – women customer base Number 121,022 93,883
Women benefitted through DFCC Aloka entrepreneurship programmes Number 19,564 16,547
DFCC Garusaru – senior citizens customer base Number 17,401 12,805
Value of rewards provided to senior citizens through DFCC Garusaru LKR Mn 2.70 2.10
Senior Citizens who benefited through DFCC Bank installed fingerprint machines to use instead of life certificate Number 150
Beneficiaries of pre-workshops conducted for migrant workers Number 6,500 (119 workshops) 3,400 (64 workshops)
Value of inward remittances USD Mn 587 245
MSME and Micro Clients Number 7,942 6,282
Customer satisfaction score Number NPS 62
Customer complaints resolution rate % 100 100
Investment in CSR LKR Mn 14 10
Entrepreneurs/potential entrepreneurs upskilled from “Thirasara Athwela” programme Number Over 90 Over 60
Beneficiaries of “Vyapara Hamuwa” financial inclusion and entrepreneurship capacity building programme Number Over 500 Over 260
Students benefited from DFCC Bank scholarship programmes Number 205 206
Beneficiaries from Breast Cancer Education Programme Number 200
Beneficiaries from Emergency Relief programmes Number Over 1,200 families Over 560 families
Investment for suicide prevention initiatives through “Ride for Life” LKR Mn 5.91 0.50
Correspondent banks Number 34 30
Exchange houses Number 27 19
Registered suppliers/ service providers Number 429 456
Economic value created LKR Mn 94,448 88,153
Economic and Governance
Key Indicator Unit/Measure 2025 2024
Taxes paid to the Government LKR Mn 10,751 9,198
Board diversity (Male:Female) Ratio 6:2* 7:2
Independent Directors Number 6 7
Board sub-committees (Permanent) Number 7 7

* Board diversity figure for 2025 does not reflect the two Directors who joined the Board in 2026.

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