Bankers to the Nation

Bank of Ceylon is a fully state-owned bank, and the Country’s leading licensed commercial bank, with 23% of the industry's loans and advances and 23% of deposits in 2022. Being a Domestic Systemically Important Bank (D-SIB), BoC is deeply ingrained in the socio-economic landscape of Sri Lanka and has played a pivotal role in driving financial empowerment and economic growth of the Country for more than 80 years.

BoC has an extensive presence throughout Sri Lanka, while also operating three branches in India, the Maldives and Seychelles, a limited-service branch in Hulhumalé, and a fully-owned subsidiary in London, United Kingdom.

Business Lines

Retail Banking

Bank of Ceylon’s Retail Banking segment constitutes a range of lending, deposits, payment services, and transactional banking solutions targeting individuals, entrepreneurs, and SMEs.

Corporate and Offshore Banking

The Bank’s Corporate and Offshore Banking segment provides a variety of financial services including corporate funding and deposits, project financing, trade services, and offshore banking facilities for the large segments of the economy: Private sector, State sector and offshore operations.

International, Treasury, Investment and Overseas Operations

This cluster of the Bank’s operations consists of International Operations, facilitates on foreign currency related transactions; Treasury Operations, manages liquidity and undertakes fund management; Investment, which handles the Bank’s investment activities; and Overseas Operations, reflecting the Bank’s overseas branches.

Total assets

LKR 4.3 trillion

Total advances

LKR 2.6 trillion

Capital adequacy ratio




Correspondent relationships


Total deposits

LKR 3.3 trillion

Profit before tax

LKR 31.0 billion


LKR 254.2 billion

Customer touch points


Our Market Position

BoC’s Competitive Advantage

Leading the market in terms of assets, deposits, loans, and advances

Dedicated to promoting social and environmental sustainability

The foremost financial services brand in Sri Lanka

Extensive customer penetration rate of more than 67%

Unmatched geographical coverage via a network of over 2,100 customer touch points across the Island

Trust and confidence instilled by being a fully state-owned bank

Market leader in inward remittances

Range of extensive lending, deposits and other financial service products

Large single borrower limit

Our Reach

The Bank of Ceylon has consistently held its place as the largest bank in Sri Lanka, determined by its assets, deposits, and loans and advances. The Bank’s extensive customer reach is facilitated by a network of more than 2,100 direct customer touch points, encompassing fully-equipped, limited-service, and mobile branches, SME centers, ATMs, CDMs, and CRMs distributed across the nine provinces by facilitating financial inclusion to the people who are living in the economically disadvantage areas and who are dealing with the informal financial market.

Beyond Sri Lanka, BoC also operates branches in Maldives, Seychelles, and India, and retains a footprint in the United Kingdom.

The Bank also engages with customers through a series of digital channels; web, and mobile including social media. For more details refer Customers section

World Map

Our Reach

Group Structure

The Group consists of subsidiary and associate companies as described below, operating across a range of sectors either directly related to the Bank's core business, or providing ancillary services that support the Bank's operations and activities.

Group Structure