Statement of Financial Position

		GROUP			BANK
As at December 31,	Note	2025 Rs. ’000	2024 Rs. ’000	Change %	2025 Rs. ’000	2024 Rs. ’000	Change %
Assets
Cash and cash equivalents	28	88,857,011	89,615,459	(0.85)	84,937,446	86,848,291	(2.20)
Balances with Central Banks	29	47,890,989	55,989,574	(14.46)	38,802,321	45,702,086	(15.10)
Placements with banks	30	110,223,171	101,104,941	9.02	102,457,000	99,300,303	3.18
Securities purchased under resale agreements		21,746,102	28,655,962	(24.11)	20,353,118	28,655,962	(28.97)
Derivative financial assets	31	5,422,850	4,264,271	27.17	5,422,850	4,264,271	27.17
Financial assets recognised through profit or loss – measured at fair value	32	111,753,532	91,677,346	21.90	111,753,532	91,677,346	21.90
Financial assets at amortised cost – loans and advances to other customers	33	1,958,360,596	1,421,004,171	37.82	1,903,430,445	1,384,524,660	37.48
Financial assets at amortised cost – debt and other financial instruments	34	732,853,697	701,751,287	4.43	689,347,677	667,709,691	3.24
Financial assets measured at fair value through other comprehensive income	35	219,011,462	303,218,395	(27.77)	217,991,351	301,584,142	(27.72)
Investments in subsidiaries	36	–	–	–	6,958,229	5,808,429	19.80
Investment in associate	37	–	58,791	(100.00)	–	44,331	(100.00)
Property, plant and equipment and right-of-use assets	38	31,652,401	30,670,410	3.20	28,674,833	27,600,648	3.89
Investment properties	39	775,060	743,900	4.19	–	–	–
Intangible assets	40	5,008,060	4,757,905	5.26	4,464,103	4,221,131	5.76
Deferred tax assets	41	14,409,667	12,563,217	14.70	13,829,232	12,085,844	14.43
Other assets	42	30,899,808	29,917,238	3.28	29,526,075	29,753,153	(0.76)
Total assets		3,378,864,406	2,875,992,867	17.49	3,257,948,212	2,789,780,288	16.78
Liabilities
Due to banks	43	43,098,281	25,376,564	69.83	29,724,059	21,306,752	39.51
Derivative financial liabilities	44	1,263,165	837,497	50.83	1,263,165	837,497	50.83
Securities sold under repurchase agreements		107,950,168	112,461,472	(4.01)	110,462,494	112,470,392	(1.79)
Financial liabilities at amortised cost – due to depositors	45	2,700,027,141	2,306,079,421	17.08	2,608,851,844	2,236,566,800	16.65
Financial liabilities at amortised cost – other borrowings	46	14,426,414	14,273,156	1.07	14,426,414	14,273,156	1.07
Current tax liabilities	47	26,360,346	13,502,666	95.22	25,758,993	13,145,697	95.95
Deferred tax liabilities	41	508,080	511,000	(0.57)	–	–	–
Other liabilities and provisions	48	73,058,414	59,423,992	22.94	69,681,255	58,064,777	20.01
Due to subsidiaries	49	–	–	–	138,542	145,794	(4.97)
Subordinated liabilities	50	74,586,565	57,707,677	29.25	73,322,023	57,707,677	27.06
Total liabilities		3,041,278,574	2,590,173,445	17.42	2,933,628,789	2,514,518,542	16.67
Equity
Stated capital	51	91,557,690	88,017,094	4.02	91,557,690	88,017,094	4.02
Statutory reserves	53	19,649,096	16,469,686	19.30	18,003,946	15,079,581	19.39
Retained earnings	54	20,772,539	17,533,670	18.47	17,281,960	15,330,940	12.73
Other reserves	55	200,087,100	159,108,992	25.75	197,475,827	156,834,131	25.91
Total equity attributable to equity holders of the Bank		332,066,425	281,129,442	18.12	324,319,423	275,261,746	17.82
Non-controlling interest	56	5,519,407	4,689,980	17.69	–	–	–
Total equity		337,585,832	285,819,422	18.11	324,319,423	275,261,746	17.82
Total liabilities and equity		3,378,864,406	2,875,992,867	17.49	3,257,948,212	2,789,780,288	16.78
Contingent liabilities and commitments	57	986,379,346	750,876,960	31.36	981,204,632	743,964,900	31.89
Net assets value per ordinary share (Rs.)	58	203.04	174.58	16.30	198.30	170.94	16.01

Memorandum information
Number of employees		5,726	5,461
Number of customer service centres		292	292

The Notes appearing on pages 319 to 470 form an integral part of these Financial Statements.

Certification

These Financial Statements have been prepared in compliance with requirements of the Companies Act No. 07 of 2007 and amendments thereto.

The Board of Directors is responsible for the preparation and presentation of these Financial Statements.

Approved and signed for and on behalf of the Board.

February 26, 2026
Colombo