Financial stability and strength

Equity capital of Rs. 27.03 billion

Deposits of Rs. 69.76 billion

Borrowings of Rs. 55.70 billion

Funding and liquidity management efforts with liquid assets of Rs. 11.74 billion

Capital management initiatives

Consistent dividend policy of Rs. 1.25 per share

CBSL directions, guidelines and determinations

CSE rules and regulations

Sri Lanka Accounting and Auditing Standards

Strong corporate/brand image with a brand value of Rs. 6.5 billion

Parent support

AA- (lka) rating from Fitch Ratings Lanka

State-of-the-art core IT system

Institutionalised knowledge

Ethical business conduct

Good governance framework

Innovative digital channels

Effective internal control system

Robust risk management framework

Increasing presence on social media platforms

Island-wide presence with 103 fully-fledged branches

Integrity

Whistle-blowing policy

Policies and procedures

Shareholders’ funds from over 8,500 shareholders

Attractive dividend policy with a payout ratio of 45.83%

Communication with shareholders

Market capitalisation of Rs. 25 billion

Customer base over 250,000

Healthy client relationships

Effective communication channels

Responsible marketing tools

Customer grievance handling mechanism

Over 13,000 years of cumulative experience with the staff

Over 2,000 diversified workforce

Performance driven culture

Being passionate about everything

Cordial industrial relations

Entrepreneurial spirit

Work ethics

Non-discriminatory work environment

Focus on innovation

Commitment and loyalty

Grievance handling procedure

Recruitment policy

Performance-linked reward structure

Five-pillared focused CSR framework

Green lending products

Demands for ESG considerations towards sustainable operation

Demands for responsible lending

Appeals for contributions to the society

Demands for judicious resource utilisation

United Nations (UN) Sustainable Development Goals (SDGs)

Compliance with GRI standards

Environmental standards and laws