As at 31 December	Note	2020 LKR	2019 LKR
Assets
Cash and cash equivalents	14	9,640,915,936	2,429,790,570
Placements with banks	15	2,823,628,452	5,628,094,545
Financial assets fair value through profit or loss	16	4,600,457,930	3,527,310,141
Financial assets at amortised cost
– loans and receivables to other customers	17	102,662,268,716	85,823,334,862
– debt and other instruments	18	5,244,005,218	6,998,924,881
Financial assets measured at fair value through other comprehensive income	19	56,938,514	56,938,514
Investment in subsidiary	20	6,163,100	–
Property, plant and equipment	21	661,694,541	645,231,444
Right-of-use assets	22	689,646,206	651,270,748
Investment properties	23	20,222,570	21,278,600
Intangible assets	24	395,123,333	308,444,541
Deferred tax assets	12.2	231,672,525	232,481,661
Other assets	25	2,026,987,076	1,460,523,822
Total assets		129,059,724,118	107,783,624,329
Liabilities
Due to other customers	26	93,271,727,185	72,431,923,465
Other borrowings	27	18,090,499,974	20,299,717,968
Debt securities issued	28	1,013,899,072	1,014,034,248
Subordinated term debts	29	4,052,630,214	4,210,565,525
Retirement benefit obligation	30	571,382,319	479,575,300
Current tax liabilities		274,214,765	187,069,978
Other liabilities	31	1,869,194,600	1,491,758,740
Total liabilities		119,143,548,128	100,114,645,224
Equity
Stated capital	32	7,727,941,021	5,921,538,126
Statutory reserve fund	33	270,009,116	228,281,724
Retained earnings	34	1,890,620,504	1,491,553,906
Other reserves	35	27,605,349	27,605,349
Total equity		9,916,175,990	7,668,979,105
Total equity and liabilities		129,059,724,118	107,783,624,329
Contingent liabilities and commitments	36	194,553,577	177,752,357

Certification

I certify these Financial Statements are in compliance with the requirements of the Companies Act No. 07 of 2007.

Terrance Kumara
Chief Financial Officer

The Board of Directors is responsible for these Financial Statements.

Signed for and on behalf of the Board by;

The Accounting Policies and Notes on pages 142 through 194 form an integral part of the Financial Statements.

19 March 2021
Colombo