• Deposits: LKR 465,153 Mn
• Loans to customers: LKR 394,361 Mn
• Treasury investments: LKR 252,816 .Mn
• Liquidity Coverage Ratio: 280.26%
• Capital Adequacy Ratio: Tier I – 12.402%
• Capital Adequacy Ratio: Total – 15.759
• Fitch Rating A (lka) Stable

• Share capital: LKR 14,710 Mn
• Debentures issued: LKR. 30,365 Mn
• Green Bond issued: LKR. 2,560 Mn
• Borrowings: LKR. 103,905 Mn

• Employees on permanent cadre: 2,439
• Contractual/outsourced employees: 8
• Investments in Training and Development: LKR 53.29 Mn
• Employee well-being programme: 17

• ICT upgrades: LKR 1,706 Mn
• Investment in digital transformation

• Investment in CSR: LKR 9.9 Mn
• Employee volunteerism
• Community and entrepreneurship – Educational support programmes
• Capacity building programmes
• Senior citizen wellness
• Grievance redress

• Contractual obligations
• Goodwill-building efforts
• Athwela – business partner awareness sessions

• Total customer base: 815,643
• App downloads
• New customers: 105,302
• Customer interaction events
• Complaint management

• Environmental and Social Management Systems (ESMS)
• Sustainability pledge
• Green financing
• GHG assessment
• Solar energy expansions
• Environmental CSR initiatives

• Upgrades, new acquisitions, renovations of property, plant and equipment

• Resilient business and inclusive economic growth
• Inclusive growth in communities
• Equal opportunity employment and employee well-being
• Customer-centricity and future proofing the business
• Sustainable procurement and resource efficiency
• Transparent reporting and communication

• Enhancing customer-centricity
• Becoming a top-of-mind commercial bank
• Optimising key customer-facing operations

• Credit risk
• Regulatory risk
• Reputational risk
• Liquidity risk
• Data security risk
• Sustainability risk
• Skill migration risk
• Political uncertainty and macro-economic risk
• Climate risk

• Infrastructure and technology
• Digital transformation
• Employees

• Interest paid
• Investments in ICT, property, plant and equipment
• Digitalisation
• Salaries and benefits
• Energy/water

While enhancing our digital capabilities geared to provide convenience to customers, we also automated operational processes to further strengthen our regulatory reporting and branch reporting efficiently.

Through process automation, we eliminated six manual registers from across our branch network, freeing time for our staff to engage in more value adding and customer-centric services.

We continued on our journey of relentlessly adding value to our customers, mainly through digitalisation and convenient banking, offering market-competitive products and services, and speedy issue resolution through our dedicated contact centre

We maintained our premier brand presence in the industry by disseminating authentic communications through a variety of channels, accurate and timely regulatory reporting, engagement with industry specific events and maintaining our visibility by being represented at governmental, regulatory, and business forums.

We implemented several initiatives and actively participated in activities that promoted sustainability, marking our contribution to the UN SDGs. We took a keen interest in contributing to conserving the environment and carried out initiatives that also made communities aware of the importance of caring for our planet.

We encouraged our employees to actively engage in activities that promote their well-being, prioritised women’s empowerment, and provided opportunities to upgrade their skills, knowledge, and career progression.

• Profit before tax LKR 13,498 Mn
• Profit after tax: LKR 8,353 Mn
• Return on equity: 12.9%
• Earnings per share: LKR 19.40
• Asset value growth: LKR 62,558 Mn
• Taxes paid: LKR 9,562 Mn

• Proposed dividend: LKR 6.00
• Cash: LKR 4.00
• Scrip: LKR 2.00

• Female workforce: 45.8%
• Total training hours: 101,524
• Number of employees trained: 2,884
• Retention rate: 87%
• New hires: 807

• Investment in ICT
• Complaint resolution: 97%

• Over 3,000 beneficiaries of the community kitchen and supplementary educational support activities
• Over 400 entrepreneurs up-skilled
• Over 200 students benefited from scholarship programmes
• Over 250 senior citizens benefited from flourish Beyond programmes

• Total payments: LKR 597 Mn
• New vendors onboarded: 456

• Total digital app downloads: 74,643
• Total new customer onboarding through digital channels: 69,121
• Worker remittances: USD 245 Mn

• Green finance portfolio LKR 12.89 Bn Solar power generation – DFCC Bank 405,026 kWh
• Carbon footprint 5,715.41 tCO2e
• Current reduction of GHG emissions through Green Bond issuance 2,251 tCO2e

• Upgrades to property, plant and equipment

• Strong balance sheet
• Well capitalised
• Building stakeholder confidence for the long term
• The taxes paid supports the development of the country and helps the maintenance of essential services

• Investment opportunities
• Return on Investment

• Positive corporate culture
• Job security
• Career progression
• Skill development

• Strong brand value and dominant presence in the market

• Community confidence in the Bank, upliftment of livelihoods directly contributing to economic growth.

• Opportunities for economic growth
• Affiliation to a strong brand
• Timely payments
• Ethical institution, that foster regulatory confidence

• Access convenient banking through digitalisation
• Strong brand alliance
• Competitive rates
• Innovative products
• Customer-centric approach and services

• Ethical use of scarce resources contributing to UN SDGs, agenda
  2030 and contributing towards the preservation of the environment.

• Ensuring the health and safety of all our stakeholders, value addition for escalation of appreciable properties, operational efficiency in acquiring/upgrading of equipment