Sustainable business model

Optimal liquidity

Investors taking a long-term view

Share price appreciation leading to capital gains

Optimum risk return trade-off

Improved profitability

Number one position among all NBFIs in terms of portfolio

Transparency

Secure systems and processes

Good governance

Recognition by awarding institutes on several occasions

A sound internal control system

CEFTS and SLIPS online fund transferring systems

Conservative risk profile

Customer convenience

Enhanced capability of product innovation and customer centricity

Enhanced service delivery through streamlined business processes

Convenience and connectivity

Facilitated payments and transactions via social media

Most rated NBFI in Sri Lanka

Customised products and services

NPL ratio at 3.91%

Higher cross sell ratio

Repeat customer ratio 43%

Enhanced customer convenience

Employment generation

88.85% staff retention

Productivity – profit per employee Rs. 2 million, assets per employee Rs. 74.08 million

Operational efficiency – cost to income ratio of 37.81%

Staff turnover at 11.15%

Customer centricity

Innovative products and services

“Voice” of the Company

Career progression

A dependable and responsible work force

Equal opportunity employer

Work life balance

Employee loyalty and satisfaction

A competent workforce

A safe, decent and progressive workplace

Warm and caring customer relationships

Staff welfare programmes

Long-lasting mutually beneficial relationships

Commitment to a sustainable operation

Empower local communities

Financial inclusion

Providing customised, value added, sustainable finance coupled with digital convenience

Compliance to environmental laws/standards

Long-term tree planting campaign

Biodiversity conservation

Greenhouse gas emissions reduced to 5,694.89 tCO2 equivalents from 7,011.01 tCO2

Employee engagement for enhancing environment saving initiatives

Reduced energy consumption

Responsible lending