Financial Overview
As your leading partner in national development, SDB bank believes in creating long-term value and augmenting returns to our shareholders, with a clear vision to deliver unparalleled financial services that contribute to empowering customers and improving our national economy.
Our strategic position as the fastest growing MSME bank in Sri Lanka affords us the license to capitalize on our strength as a reliable enabler for grassroots development, the most promising stakeholder segment in our nation’s economic growth and progress.
Statement of Financial Position
Statement of Financial Position
| 2025 (LKR '000) | 2024 (LKR '000) | Change in LKR (LKR '000) | % Change | |
|---|---|---|---|---|
| Financial Assets | 31,713,716 | 45,102,896 | (13,389,180) | -30%% |
| Loans and Advances | 109,840,876 | 95,137,107 | 14,703,769 | 15% |
| Other Assets | 5,403,505 | 4,915,947 | 487,558 | 10% |
| Total Assets | 146,958,097 | 145,155,950 | 1,802,147 | 1% |
| Customer Deposits | 105,680,974 | 106,989,900 | (1,308,926) | -1% |
| Total Borrowings | 20,616,321 | 19,075,132 | 1,541,190 | 8% |
| Other Liabilities | 5,856,395 | 4,504,418 | 1,351,977 | 30% |
| Equity | 14,804,406 | 14,586,500 | 217,906 | 1% |
| Total Liabilities and Income | 146,958,097 | 145,155,950 | 1,802,147 | 1% |
Profitability Movement (LKR '000)
Profitability Movement (LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2011 | |
|---|---|---|---|---|---|
| Profit Before Tax | 800,173 | 684,263 | 771,926 | 96,957 | 1,329,808 |
| Profit for the year | 404,919 | 409,534 | 466,822 | 61,166 | 883,278 |
Operating Income ( LKR '000)
Operating Income ( LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Net Interest Income | 8,232,682 | 7,820,464 | 8,501,896 | 6,839,054 | 6,773,649 |
| Net Fee and Commission Income | 674,729 | 584,322 | 429,903 | 477,944 | 390,347 |
| Total operating income | 9,496,446 | 8,831,298 | 9,353,853 | 7,745,435 | 7,435,849 |
| Net operating income | 8,777,256 | 8,272,348 | 7,533,958 | 5,846,959 | 6,792,141 |
Net Interest Margin
Net Interest Margin
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Net Interest Margin | 5.37% | 5.18% | 5.37% | 4.90% | 5.47% |
Operating Expenses (LKR '000)
Operating Expenses (LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Personnel Expenses | 4,168,996 | 3,964,778 | 3,304,439 | 2,940,243 | 2,542,695 |
| Depreciation & Amortisation | 702,203 | 610,921 | 532,735 | 488,515 | 528,447 |
| Other Expenses | 2,291,815 | 2,245,722 | 2,216,704 | 1,936,942 | 1,848,265 |
Total Assets ( LKR '000)
Total Assets ( LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Total Assets | 146,958,097 | 145,155,950 | 156,957,400 | 159,521,032 | 147,818,916 |
Loans and Advances ( LKR '000)
Loans and Advances ( LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Loans and Advances | 109,840,876 | 95,137,107 | 98,868,896 | 110,525,450 | 111,891,256 |
Total Deposits ( LKR '000)
Total Deposits ( LKR '000)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Total Deposits | 105,680,974 | 106,989,900 | 108,118,122 | 107,533,002 | 93,902,939 |
- No. 12. Edmonton Road
Kirulapone
Colombo 06
Sri Lanka. - 011 5411 411
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