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| Group | |||||
| Year ended 31 December |
2024 LKR Mn |
2023 LKR Mn |
2022 LKR Mn |
2021 LKR Mn |
2020 LKR Mn |
| Operating Results | |||||
| Total income | 90,156 | 107,442 | 75,471 | 43,029 | 43,604 |
| Profit before tax | 13,820 | 11,369 | 3,112 | 4,859 | 3,944 |
| Tax expense | 5,265 | 3,850 | 70 | 1,194 | 1,097 |
| Profit attributable to equity holders of the Bank | 9,778 | 8,485 | 2,932 | 3,549 | 2,745 |
| Statement of Financial Position | |||||
| Assets | |||||
| Cash and short term funds | 27,081 | 45,765 | 40,400 | 26,383 | 28,063 |
| Loans to and receivables from banks and other customers | 394,361 | 348,767 | 369,072 | 365,901 | 306,062 |
| Financial investments | 252,876 | 204,738 | 115,696 | 81,226 | 120,932 |
| Investments in associate and joint venture | 39 | 4,439 | 3613 | 2,840 | 2,481 |
| Other assets | 34,841 | 41,812 | 40,755 | 11,907 | 9,829 |
| Total assets | 709,198 | 645,521 | 569,536 | 488,257 | 467,367 |
| Liabilities | |||||
| Due to depositors | 464,360 | 406,585 | 369,746 | 319,362 | 309,566 |
| Due to other borrowers | 136,830 | 150,200 | 131,707 | 107,623 | 97,406 |
| Other liabilities | 18,163 | 16,360 | 13,762 | 9,507 | 8,686 |
| Total liabilities | 619,352 | 573,145 | 515,215 | 436,492 | 415,658 |
| Equity | |||||
| Total equity attributable to equity holders of the Bank | 89,400 | 71,984 | 54,015 | 51,448 | 51,426 |
| Non-controlling interests | 446 | 392 | 306 | 317 | 283 |
| Total equity and liabilities | 709,198 | 645,521 | 569,536 | 488,257 | 467,367 |
| Return on equity (%)* | 13.95 | 13.95 | 5.60 | 7.45 | 6.16 |
| Return on total assets, (%)* | 2.07 | 1.88 | 0.59 | 1.02 | 0.91 |
| Earnings per share (LKR)** | |||||
|
– Continuing operations |
19.51 | 17.58 | 7.88 | 11.17 | 9.00 |
| Net assets value per share (LKR) | 206.63 | 170.60 | 134.14 | 160.51 | 168.06 |
| Common equity tier I capital ratio (%) (Basel III) | 13.61 | 12.46 | 9.94 | 9.28 | 10.82 |
| Tier I capital ratio (%) (Basel III) | 13.61 | 12.46 | 9.94 | 9.28 | 10.82 |
| Total capital ratio (%) (Basel III) | 16.96 | 14.48 | 12.99 | 13.00 | 15.75 |
* After eliminating fair value reserve.
** With the decision taken by the Bank to divest from the investment in joint venture, the operating result of the investment was considered as discontinued operation.
Key indicators
| Key indicator | Unit/Measure | 2024 | 2023 |
 Environment |
|||
| Direct Greenhouse Gas emission – DFCC Bank, Synapsys, DFCC consulting (Scope 1) | tCO2e | 483.47 | 466.43* |
| Indirect Greenhouse Gas emission – DFCC Bank, Synapsys, DFCC consulting (Scope 2 & 3) | tCO2e | 4943.85 | 4,342.91* |
| Total Greenhouse Gas emission – DFCC Bank, Synapsys, DFCC consulting | tCO2e | 5427.32 | 4,809.34* |
| Emission Intensity – DFCC Bank, Synapsys, DFCC consulting | tCO2e | 2.17 | 2.28* |
| Total Greenhouse Gas emission – LINDEL | tCO2e | 288.08 | Not assessed |
| Emission Intensity – LINDEL | tCO2e | 11.52 | Not assessed |
| Solar power generated electricity – DFCC Bank | kWh | 405,026 | 190,624 |
| Solar power generated electricity – LINDEL | kWh | 1,476,044 | 1,591,144 |
| Energy intensity ratio(electricity) – DFCC Bank Head Office | kWh/Emp | 1,446.69 | 1,906 |
| Energy intensity ratio (electricity) – Ramanayaka Mawatha | kWh/Emp | 2,206.44 | 2,958 |
| Energy consumption (non-renewable sources) | |||
| – DFCC owned vehicles | Diesel (litres) | 56,925 | 44,315 |
| – DFCC owned vehicles | Petrol(litres) | 32,510 | 28,594 |
| GHG emission reduction from waste paper recycling | kilograms | 8,541 | 6,070 |
| Total e-waste recycled | kilograms | 1,753 | 3.5 |
| Reduction of GHG emission through Green Bond issuance | tCO2e | 2,251 | N/A |
 Social
|
|||
| Total employees | Number | 2,439 | 2,109 |
| Total new recruits | Number | 807 | 665 |
| Total training hours | Hours | 101,524 | |
| Investment in training | LKR Mn | 52.291 | |
| Staff retention ratio | Percentage | 87 | 87 |
| Staff promotions | Number | 371 | 426 |
| Female representation in management (AVP and above) | Percentage | 27 | 27 |
| Gender diversity of employees (male: female) | Ratio | 54:46 | 55:45 |
| Gross income per employee | Number | 36,720 (‘000) | |
| Green financing portfolio | LKR Bn | 12.89 | 10.96 |
| Adoption of Environmental and Social Management System (ESMS) | Complied with | Yes | Yes |
| Adoption/publication of ESG policy | Implemented | Yes | No |
| Number of entrepreneurs/potential entrepreneurs upskilled from “Thirasara Athwela” programme | Number | Over 60 | N/A |
| Beneficiaries in “Vyapara Hamuwa” entrepreneurship capacity building programme | Number | Over 260 | Over 240 |
| Number of students benefitted from DFCC scholarship programmes | Number | 206 | 201 |
| Number of beneficiaries from “Community Kitchen” and supplementary initiatives | Number | Over 3,000 | Over 4,500 |
 Governance
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| Policies such as Corporate Governance Code, Code of Ethics etc. | Existence and operational | Yes | Yes |
| Senior body responsible for overseeing sustainability related matters | Existence and operational | ESMC & Board | ESMC & Board |
| Board independence – number of independent directors | Number | 07 | 08 |
| Board diversity – male:female | Ratio | 7:2 | 7:4 |
* Recalculated/DFCC Bank only.