Banking sector

The banking sector's assets, liabilities, loans, deposits and soundness ratios, monthly to annual. Monthly, quarterly and annual, 1998–2026.
Published by the Central Bank of Sri Lanka; read from CBSL Economic Data Library (wizard), CBSL Economic and Social Statistics and CBSL statistical tables.
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Banking sector - total capital adequacy ratio (CAR) (all banks) ended16.5%no change
Banking sector - core capital ratio (tier I capital) (all banks) ended13.2%+0.2 pts
Banking sector - common equity tier 1 ratio (all banks) ended12.8%no change
Banking sector - core capital to total assets ratio (all banks) ended7.4%−0.6 pts
Banking sector - equity capital & reserves to total assets ratio (all banks) ended8.7%+0.1 pts
Banking sector - non-performing loans (npls) to equity capital & reserves (all banks) ended32.0%−3.7 pts
Banking sector - net non-performing loans (npls) to equity capital & reserves (all banks) ended11.5%−5.7 pts
Banking sector - gross non-performing advances ratio (gross npls ratio) (non-performing loans to total loans and advances) (all banks) ended4.5%−0.4 pts
Banking sector - net non-performing advances ratio (net npls ratio) (net non-performing loans to total loans and advances) (all banks) ended1.7%−0.7 pts
Banking sector - specific provision coverage ratio (all banks) ended64.0%+12.3 pts
Banking sector - total provision coverage ratio (all banks) ended75.8%+14.5 pts
Banking sector - total loans and advances to total assets (all banks) ended61.9%−0.1 pts
Banking sector - foreign currency denominated loans to total loans and advances (all banks) ended18.2%−1.6 pts
Banking sector - investments to total assets (all banks) ended29.1%+0.3 pts
Banking sector - return on equity (ROE) – after tax (all banks) ended14.5%+3.2 pts
Banking sector - return on assets (ROA) – before tax (all banks) ended1.6%+0.2 pts
Banking sector - return on assets (ROA) – after tax (all banks) ended1.2%+0.2 pts
Banking sector - net interest income (NII) to gross income (all banks) ended76.7%+1.7 pts
Banking sector - non-interest expenses (operating expenses) to gross income (all banks) ended41.9%−2.5 pts
Banking sector - staff expenses to non-interest expenses (all banks) ended45.2%−1.2 pts
Banking sector - total cost to total income (all banks) ended69.5%−6.2 pts
Banking sector - efficiency (operating cost) ratio (all banks) ended48.1%−3.8 pts
Banking sector - total income to average assets (all banks) ended8.5%−1.1 pts
Banking sector - net interest income (NII) to average assets (net interest margin) (all banks) ended3.4%+0.3 pts
Banking sector - non-interest income to average assets (all banks) ended1.0%no change
Banking sector - non-interest expenses to average assets (all banks) ended1.9%no change
Banking sector - profit before tax (PBT) to average assets (all banks) ended1.6%+0.2 pts
Banking sector - net profit-loss to average assets (all banks) ended1.2%+0.2 pts
Banking sector - liquid assets to total assets (all banks) ended29.7%−4.0 pts
Banking sector - statutory liquid asset ratio (SLAR) – domestic banking unit (DBU) (all banks) ended33.8%−3.5 pts
Banking sector - statutory liquid assets ratio (SLAR) – offshore banking unit (OBU) (all banks) ended34.0%−9.2 pts
Banking sector - liquid assets to deposits (all banks) ended38.8%−5.5 pts
Banking sector - current & savings deposits to total deposits (all banks) ended36.8%+2.0 pts
Banking sector - credit to total deposits (all banks) ended82.7%+1.1 pts
Banking sector - credit to deposits & borrowings (all banks) ended70.6%−0.2 pts
Banking sector - liquid assets to short term liabilities (all banks) ended45.3%−6.6 pts
Banking sector - deposit to total loans (all banks) ended120.9%−1.6 pts
Banking sector - deposits to total assets (all banks) ended76.4%+0.4 pts
Banking sector - borrowings to total assets (all banks) ended13.1%+1.6 pts
Banking sector - capital to total assets (all banks) ended8.0%−0.6 pts
Banking sector - foreign currency denominated liabilities to total liabilities (all banks) ended18.3%−2.1 pts
Banking sector - net non-performing advances (npls) (all banks) ended168.4Rs bn−22.1%
Licensed commercial banks - total capital adequacy ratio (CAR) (licensed commercial banks) ended16.7%no change
Licensed commercial banks - core capital ratio (tier I capital) (licensed commercial banks) ended13.2%+0.1 pts
Licensed commercial banks - common equity tier 1 ratio (licensed commercial banks) ended12.9%no change
Licensed commercial banks - core capital to total assets ratio (licensed commercial banks) ended7.8%−0.7 pts
Licensed commercial banks - equity capital & reserves to total assets ratio (licensed commercial banks) ended9.0%no change
Licensed commercial banks - non-performing loans (npls) to equity capital & reserves (licensed commercial banks) ended30.7%−3.4 pts
Licensed commercial banks - net non-performing loans (npls) to equity capital & reserves (licensed commercial banks) ended9.9%−5.6 pts
Licensed commercial banks - gross non-performing advances ratio (gross npls ratio) (non-performing loans to total loans and advances) (licensed commercial banks) ended4.3%−0.4 pts
Licensed commercial banks - net non-performing advances ratio (net npls ratio) (net non-performing loans to total loans and advances) (licensed commercial banks) ended1.4%−0.8 pts
Licensed commercial banks - specific provision coverage ratio (licensed commercial banks) ended67.9%+13.3 pts
Licensed commercial banks - total provision coverage ratio (licensed commercial banks) ended80.4%+15.7 pts
Licensed commercial banks - total loans and advances to total assets (licensed commercial banks) ended64.5%−0.1 pts
Licensed commercial banks - foreign currency denominated loans to total loans and advances (licensed commercial banks) ended19.9%−1.7 pts
Licensed commercial banks - investments to total assets (licensed commercial banks) ended26.6%+0.2 pts
Licensed commercial banks - return on equity (ROE) – after tax (licensed commercial banks) ended13.8%+2.9 pts
Licensed commercial banks - return on assets (ROA) – before tax (licensed commercial banks) ended1.6%+0.2 pts
Licensed commercial banks - return on assets (ROA) – after tax (licensed commercial banks) ended1.2%+0.2 pts
Licensed commercial banks - net interest income (NII) to gross income (licensed commercial banks) ended74.3%+1.1 pts
Licensed commercial banks - non-interest expenses (operating expenses) to gross income (licensed commercial banks) ended41.5%−2.3 pts
Licensed commercial banks - staff expenses to non-interest expenses (licensed commercial banks) ended43.6%−1.6 pts
Licensed commercial banks - total cost to total income (licensed commercial banks) ended68.8%−5.9 pts
Licensed commercial banks - efficiency (operating cost) ratio (licensed commercial banks) ended48.2%−3.6 pts
Licensed commercial banks - total income to average assets (licensed commercial banks) ended8.4%−1.0 pts
Licensed commercial banks - net interest income (NII) to average assets (net interest margin) (licensed commercial banks) ended3.3%+0.2 pts
Licensed commercial banks - non-interest income to average assets (licensed commercial banks) ended1.2%+0.1 pts
Licensed commercial banks - non-interest expenses to average assets (licensed commercial banks) ended1.9%no change
Licensed commercial banks - profit before tax (PBT) to average assets (licensed commercial banks) ended1.6%+0.2 pts
Licensed commercial banks - net profit-loss to average assets (licensed commercial banks) ended1.2%+0.2 pts
Licensed commercial banks - liquid assets to total assets (licensed commercial banks) ended27.7%−3.7 pts
Licensed commercial banks - statutory liquid asset ratio (SLAR) – domestic banking unit (DBU) (licensed commercial banks) ended30.9%−2.9 pts
Licensed commercial banks - statutory liquid assets ratio (SLAR) – offshore banking unit (OBU) (licensed commercial banks) ended34.0%−9.2 pts
Licensed commercial banks - liquid assets to deposits (licensed commercial banks) ended36.8%−5.2 pts
Licensed commercial banks - current & savings deposits to total deposits (licensed commercial banks) ended38.9%+2.3 pts
Licensed commercial banks - credit to total deposits (licensed commercial banks) ended87.6%+1.1 pts
Licensed commercial banks - credit to deposits & borrowings (licensed commercial banks) ended73.7%−0.5 pts
Licensed commercial banks - liquid assets to short term liabilities (licensed commercial banks) ended44.0%−6.4 pts
Licensed commercial banks - deposit to total loans (licensed commercial banks) ended114.2%−1.5 pts
Licensed commercial banks - deposits to total assets (licensed commercial banks) ended75.1%+0.4 pts
Licensed commercial banks - borrowings to total assets (licensed commercial banks) ended14.1%+1.7 pts
Licensed commercial banks - capital to total assets (licensed commercial banks) ended8.3%−0.7 pts
Licensed commercial banks - foreign currency denominated liabilities to total liabilities (licensed commercial banks) ended20.7%−2.5 pts
Licensed specialised banks - total capital adequacy ratio (CAR) (licensed specialised banks) ended14.6%−0.2 pts
Licensed specialised banks - core capital ratio (tier I capital) (licensed specialised banks) ended12.0%+0.2 pts
Licensed specialised banks - common equity tier 1 ratio (licensed specialised banks) ended11.3%+0.3 pts
Licensed specialised banks - core capital to total assets ratio (licensed specialised banks) ended4.4%−0.2 pts
Licensed specialised banks - equity capital & reserves to total assets ratio (licensed specialised banks) ended6.4%+0.8 pts
Licensed specialised banks - non-performing loans (npls) to equity capital & reserves (licensed specialised banks) ended44.2%−9.0 pts
Licensed specialised banks - net non-performing loans (npls) to equity capital & reserves (licensed specialised banks) ended27.6%−9.2 pts
Licensed specialised banks - gross non-performing advances ratio (gross npls ratio) (non-performing loans to total loans and advances) (licensed specialised banks) ended6.5%−0.4 pts
Licensed specialised banks - net non-performing advances ratio (net npls ratio) (net non-performing loans to total loans and advances) (licensed specialised banks) ended4.1%−0.8 pts
Licensed specialised banks - specific provision coverage ratio (licensed specialised banks) ended37.5%+6.6 pts
Licensed specialised banks - total provision coverage ratio (licensed specialised banks) ended43.8%+7.1 pts
Licensed specialised banks - total loans and advances to total assets (licensed specialised banks) ended44.0%+0.3 pts
Licensed specialised banks - foreign currency denominated loans to total loans and advances (licensed specialised banks) ended0.2%−0.5 pts
Licensed specialised banks - investments to total assets (licensed specialised banks) ended46.5%+0.5 pts
Licensed specialised banks - return on equity (ROE) – after tax (licensed specialised banks) ended21.5%+4.8 pts
Licensed specialised banks - return on assets (ROA) – before tax (licensed specialised banks) ended1.7%+0.4 pts
Licensed specialised banks - return on assets (ROA) – after tax (licensed specialised banks) ended1.3%+0.4 pts
Licensed specialised banks - net interest income (NII) to gross income (licensed specialised banks) ended94.5%+4.9 pts
Licensed specialised banks - non-interest expenses (operating expenses) to gross income (licensed specialised banks) ended44.4%−4.4 pts
Licensed specialised banks - staff expenses to non-interest expenses (licensed specialised banks) ended55.7%+0.7 pts
Licensed specialised banks - total cost to total income (licensed specialised banks) ended74.3%−7.6 pts
Licensed specialised banks - efficiency (operating cost) ratio (licensed specialised banks) ended47.3%−4.7 pts
Licensed specialised banks - total income to average assets (licensed specialised banks) ended9.4%−1.3 pts
Licensed specialised banks - net interest income (NII) to average assets (net interest margin) (licensed specialised banks) ended4.1%+0.7 pts
Licensed specialised banks - non-interest income to average assets (licensed specialised banks) ended0.2%−0.2 pts
Licensed specialised banks - non-interest expenses to average assets (licensed specialised banks) ended1.9%+0.1 pts
Licensed specialised banks - profit before tax (PBT) to average assets (licensed specialised banks) ended1.7%+0.4 pts
Licensed specialised banks - net profit-loss to average assets (licensed specialised banks) ended1.3%+0.4 pts
Licensed specialised banks - liquid assets to total assets (licensed specialised banks) ended43.6%−6.0 pts
Licensed specialised banks - statutory liquid asset ratio (SLAR) – domestic banking unit (DBU) (licensed specialised banks) ended52.8%−7.6 pts
Licensed specialised banks - statutory liquid assets ratio (SLAR) – offshore banking unit (OBU) (licensed specialised banks) ended0.0%–
Licensed specialised banks - liquid assets to deposits (licensed specialised banks) ended50.9%−7.7 pts
Licensed specialised banks - current & savings deposits to total deposits (licensed specialised banks) ended23.7%+0.2 pts
Licensed specialised banks - credit to total deposits (licensed specialised banks) ended52.5%+0.9 pts
Licensed specialised banks - credit to deposits & borrowings (licensed specialised banks) ended49.0%+0.7 pts
Licensed specialised banks - liquid assets to short term liabilities (licensed specialised banks) ended52.4%−7.5 pts
Licensed specialised banks - deposit to total loans (licensed specialised banks) ended190.5%−3.2 pts
Licensed specialised banks - deposits to total assets (licensed specialised banks) ended85.7%+1.1 pts
Licensed specialised banks - borrowings to total assets (licensed specialised banks) ended6.1%+0.4 pts
Licensed specialised banks - capital to total assets (licensed specialised banks) ended5.8%+0.2 pts
Licensed specialised banks - foreign currency denominated liabilities to total liabilities (licensed specialised banks) ended2.2%+0.4 pts
Banking sector - total assets (all banks) ended16,923.6Rs bn+15.4%
Banking sector - cash and due from banks (all banks) ended1,222.8Rs bn+13.4%
Banking sector - investments (all banks) ended4,921.9Rs bn+16.4%
Banking sector - investments - held for trading (all banks) ended601.3Rs bn−21.2%
Banking sector - investments - held to maturity (HTM) (all banks) ended4,284.3Rs bn+24.8%
Banking sector - investments in subsidiaries, associates and joint ventures (all banks) ended36.2Rs bn+13.3%
Banking sector - net loans and advances (all banks) ended10,125.0Rs bn+14.8%
Banking sector - gross loans and advances (all banks) ended10,479.7Rs bn+15.3%
Banking sector - gross rupee (LKR) loans (all banks) ended8,571.9Rs bn+17.6%
Banking sector - gross foreign currencu (FCY) loans (all banks) ended1,907.8Rs bn+6.0%
Banking sector - gross non-performing advances (npls) (all banks) ended468.1Rs bn+4.5%
Banking sector - total loan loss provisions (all banks) ended354.7Rs bn+29.2%
Banking sector - specific loan loss provisions (all banks) ended299.7Rs bn+29.3%
Banking sector - general loan loss provisions (all banks) ended55.0Rs bn+28.7%
Banking sector - investment properties (all banks) ended4.2Rs bn−25.9%
Banking sector - fixed assets (net) (all banks) ended186.9Rs bn+13.2%
Banking sector - other assets (all banks) ended462.8Rs bn+24.3%
Banking sector - non-performing advances (npls) - special mentioned category (all banks) ended9.0%−1.3 pts
Banking sector - non-performing advances (npls) - substandard category (all banks) ended9.3%−0.5 pts
Banking sector - non-performing advances (npls) - doubtful category (all banks) ended8.7%−6.9 pts
Banking sector - non-performing advances (npls) - loss category (all banks) ended72.9%+8.5 pts
Banking sector - total liabilities including equity (all banks) ended16,923.6Rs bn+15.4%
Banking sector - deposits (all banks) ended12,671.3Rs bn+13.7%
Banking sector - rupee (LKR) deposits (all banks) ended10,537.0Rs bn+13.3%
Banking sector - rupee (LKR) - time deposits (all banks) ended6,304.9Rs bn+8.3%
Banking sector - rupee (LKR) - savings deposits (all banks) ended3,269.2Rs bn+19.0%
Banking sector - rupee (LKR) - current deposits (all banks) ended691.6Rs bn+31.7%
Banking sector - rupee (LKR) - other deposits (all banks) ended271.4Rs bn+32.4%
Banking sector - foreign currency (FCY) deposits (all banks) ended2,134.2Rs bn+15.9%
Banking sector - foreign currency (FCY) - time deposits (all banks) ended1,371.4Rs bn+14.3%
Banking sector - foreign currency (FCY) - savings deposits (all banks) ended473.5Rs bn+16.6%
Banking sector - foreign currency (FCY) - current deposits (all banks) ended197.6Rs bn+17.2%
Banking sector - foreign currency (FCY) - other deposits (all banks) ended91.8Rs bn+37.1%
Banking sector - borrowings (all banks) ended2,181.2Rs bn+28.9%
Banking sector - rupee (LKR) borrowings (all banks) ended1,482.5Rs bn+86.6%
Banking sector - foreign currency (FCY) borrowings (all banks) ended698.7Rs bn−22.2%
Banking sector - other liabilities (all banks) ended606.7Rs bn+4.8%
Banking sector - equity capital & reserves (all banks) ended1,464.4Rs bn+16.8%
Banking sector - core capital (tier I) (all banks) ended1,171.3Rs bn+10.6%
Banking sector - deductions-adjustments for core capital (tier I) (all banks) ended87.5Rs bn+48.0%
Banking sector - eligible core capital (all banks) ended1,083.8Rs bn+8.4%
Banking sector - supplementary capital (tier II) (all banks) ended280.2Rs bn+5.0%
Banking sector - deductions-adjustments for core capital (tier II) (all banks) ended345.0Rs mn−74.0%
Banking sector - capital base (regulatory capital) (all banks) ended1,363.6Rs bn+7.8%
Banking sector - risk weighted amount for credit risk (all banks) ended7,392.3Rs bn+7.1%
Banking sector - risk weighted amount for market risk (all banks) ended156.5Rs bn+3.2%
Banking sector - risk weighted amount for operational risk (all banks) ended691.4Rs bn+13.2%
Banking sector - total risk weighted assets (all banks) ended8,240.1Rs bn+7.5%
Banking sector - total income (all banks), year to date ended1,364.8Rs bn+4.9%
Banking sector - interest income (all banks), year to date ended1,198.3Rs bn+3.4%
Banking sector - interest expenses (all banks), year to date ended649.3Rs bn−11.4%
Banking sector - net interest income (all banks), year to date ended548.9Rs bn+28.8%
Banking sector - non-interest income (all banks), year to date ended166.6Rs bn+17.5%
Banking sector - foreign exchange income (net) (all banks), year to date ended46.4Rs bn+47.3%
Banking sector - operating expenses (all banks), year to date ended299.8Rs bn+18.9%
Banking sector - staff cost (all banks), year to date ended135.4Rs bn+15.6%
Banking sector - provision for bad and doubtful debts and loan write-offs (net) (all banks), year to date ended91.3Rs bn+9.3%
Banking sector - provision for decline in value in investments (net) (all banks), year to date ended8.3Rs bn+1013.4%
Banking sector - profit before value added tax (VAT) & taxes (all banks), year to date ended316.2Rs bn+36.6%
Banking sector - value added tax (VAT) on financial services (all banks), year to date ended57.4Rs bn+35.0%
Banking sector - profit before corporate taxes (all banks), year to date ended258.7Rs bn+37.0%
Banking sector - corporate tax (all banks), year to date ended60.3Rs bn+12.5%
Banking sector - profits after corporate tax (all banks), year to date ended198.4Rs bn+46.7%
Licensed commercial banks - total assets (licensed commercial banks) ended14,820.5Rs bn+15.5%
Licensed commercial banks - cash and due from banks (licensed commercial banks) ended1,100.0Rs bn+15.2%
Licensed commercial banks - investments (licensed commercial banks) ended3,943.5Rs bn+16.6%
Licensed commercial banks - investments - held for trading (licensed commercial banks) ended568.0Rs bn−22.4%
Licensed commercial banks - investments - held to maturity (HTM) (licensed commercial banks) ended3,344.1Rs bn+27.5%
Licensed commercial banks - investments in subsidiaries, associates and joint ventures (licensed commercial banks) ended31.4Rs bn+15.7%
Licensed commercial banks - net loans and advances (licensed commercial banks) ended9,226.0Rs bn+14.8%
Licensed commercial banks - gross loans and advances (licensed commercial banks) ended9,554.5Rs bn+15.3%
Licensed commercial banks - gross rupee (LKR) loans (licensed commercial banks) ended7,648.5Rs bn+17.8%
Licensed commercial banks - gross foreign currencu (FCY) loans (licensed commercial banks) ended1,906.0Rs bn+6.2%
Licensed commercial banks - gross non-performing advances (npls) (licensed commercial banks) ended408.3Rs bn+3.9%
Licensed commercial banks - net non-performing advances (npls) (licensed commercial banks) ended131.1Rs bn−26.4%
Licensed commercial banks - total loan loss provisions (licensed commercial banks) ended328.5Rs bn+29.2%
Licensed commercial banks - specific loan loss provisions (licensed commercial banks) ended277.3Rs bn+29.1%
Licensed commercial banks - general loan loss provisions (licensed commercial banks) ended51.2Rs bn+29.7%
Licensed commercial banks - investment properties (licensed commercial banks) ended2.9Rs bn−32.4%
Licensed commercial banks - fixed assets (net) (licensed commercial banks) ended167.4Rs bn+13.2%
Licensed commercial banks - other assets (licensed commercial banks) ended380.7Rs bn+25.2%
Licensed commercial banks - non-performing advances (npls) - special mentioned category (licensed commercial banks) ended8.4%−0.8 pts
Licensed commercial banks - non-performing advances (npls) - substandard category (licensed commercial banks) ended7.9%−0.8 pts
Licensed commercial banks - non-performing advances (npls) - doubtful category (licensed commercial banks) ended7.2%−7.6 pts
Licensed commercial banks - non-performing advances (npls) - loss category (licensed commercial banks) ended76.6%+9.2 pts
Licensed commercial banks - deposits (licensed commercial banks) ended10,908.6Rs bn+13.8%
Licensed commercial banks - rupee (LKR) deposits (licensed commercial banks) ended8,789.8Rs bn+13.3%
Licensed commercial banks - rupee (LKR) - time deposits (licensed commercial banks) ended4,985.2Rs bn+7.0%
Licensed commercial banks - rupee (LKR) - savings deposits (licensed commercial banks) ended2,855.7Rs bn+19.6%
Licensed commercial banks - rupee (LKR) - current deposits (licensed commercial banks) ended691.6Rs bn+31.7%
Licensed commercial banks - rupee (LKR) - other deposits (licensed commercial banks) ended257.4Rs bn+34.3%
Licensed commercial banks - foreign currency (FCY) deposits (licensed commercial banks) ended2,118.8Rs bn+16.0%
Licensed commercial banks - foreign currency (FCY) - time deposits (licensed commercial banks) ended1,360.7Rs bn+14.5%
Licensed commercial banks - foreign currency (FCY) - savings deposits (licensed commercial banks) ended468.8Rs bn+16.6%
Licensed commercial banks - foreign currency (FCY) - current deposits (licensed commercial banks) ended197.6Rs bn+17.2%
Licensed commercial banks - foreign currency (FCY) - other deposits (licensed commercial banks) ended91.8Rs bn+37.1%
Licensed commercial banks - borrowings (licensed commercial banks) ended2,054.5Rs bn+29.5%
Licensed commercial banks - rupee (LKR) borrowings (licensed commercial banks) ended1,383.2Rs bn+96.4%
Licensed commercial banks - foreign currency (FCY) borrowings (licensed commercial banks) ended671.3Rs bn−23.9%
Licensed commercial banks - other liabilities (licensed commercial banks) ended528.4Rs bn+4.8%
Licensed commercial banks - equity capital & reserves (licensed commercial banks) ended1,329.0Rs bn+15.5%
Licensed commercial banks - core capital (tier I) (licensed commercial banks) ended1,081.8Rs bn+10.3%
Licensed commercial banks - deductions-adjustments for core capital (tier I) (licensed commercial banks) ended78.3Rs bn+48.3%
Licensed commercial banks - eligible core capital (licensed commercial banks) ended1,003.5Rs bn+8.2%
Licensed commercial banks - supplementary capital (tier II) (licensed commercial banks) ended263.2Rs bn+5.7%
Licensed commercial banks - deductions-adjustments for core capital (tier II) (licensed commercial banks) ended290.0Rs mn−76.2%
Licensed commercial banks - capital base (regulatory capital) (licensed commercial banks) ended1,266.4Rs bn+7.7%
Licensed commercial banks - risk weighted amount for credit risk (licensed commercial banks) ended6,821.8Rs bn+7.0%
Licensed commercial banks - risk weighted amount for market risk (licensed commercial banks) ended146.2Rs bn+4.4%
Licensed commercial banks - risk weighted amount for operational risk (licensed commercial banks) ended605.6Rs bn+11.9%
Licensed commercial banks - total risk weighted assets (licensed commercial banks) ended7,573.6Rs bn+7.3%
Licensed commercial banks - total income (licensed commercial banks), year to date ended1,176.6Rs bn+5.1%
Licensed commercial banks - interest income (licensed commercial banks), year to date ended1,014.8Rs bn+3.1%
Licensed commercial banks - interest expenses (licensed commercial banks), year to date ended548.1Rs bn−11.0%
Licensed commercial banks - net interest income (licensed commercial banks), year to date ended466.7Rs bn+26.7%
Licensed commercial banks - non-interest income (licensed commercial banks), year to date ended161.8Rs bn+19.8%
Licensed commercial banks - foreign exchange income (net) (licensed commercial banks), year to date ended46.1Rs bn+48.1%
Licensed commercial banks - operating expenses (licensed commercial banks), year to date ended261.1Rs bn+18.3%
Licensed commercial banks - staff cost (licensed commercial banks), year to date ended113.9Rs bn+14.1%
Licensed commercial banks - provision for bad and doubtful debts and loan write-offs (net) (licensed commercial banks), year to date ended85.7Rs bn+7.9%
Licensed commercial banks - provision for decline in value in investments (net) (licensed commercial banks), year to date ended8.3Rs bn+1013.4%
Licensed commercial banks - profit before value added tax (VAT) & taxes (licensed commercial banks), year to date ended273.4Rs bn+34.9%
Licensed commercial banks - value added tax (VAT) on financial services (licensed commercial banks), year to date ended48.9Rs bn+33.9%
Licensed commercial banks - profit before corporate taxes (licensed commercial banks), year to date ended224.5Rs bn+35.2%
Licensed commercial banks - corporate tax (licensed commercial banks), year to date ended52.2Rs bn+13.3%
Licensed commercial banks - profits after corporate tax (licensed commercial banks), year to date ended172.2Rs bn+43.6%
Licensed specialised banks - total assets (licensed specialised banks) ended2,103.0Rs bn+14.5%
Licensed specialised banks - cash and due from banks (licensed specialised banks) ended122.8Rs bn−0.5%
Licensed specialised banks - investments (licensed specialised banks) ended978.4Rs bn+15.8%
Licensed specialised banks - investments - held for trading (licensed specialised banks) ended33.3Rs bn+8.3%
Licensed specialised banks - investments - held to maturity (HTM) (licensed specialised banks) ended940.2Rs bn+16.1%
Licensed specialised banks - investments in subsidiaries, associates and joint ventures (licensed specialised banks) ended4.8Rs bn0.0%
Licensed specialised banks - net loans and advances (licensed specialised banks) ended899.0Rs bn+15.0%
Licensed specialised banks - gross loans and advances (licensed specialised banks) ended925.2Rs bn+15.3%
Licensed specialised banks - gross rupee (LKR) loans (licensed specialised banks) ended923.4Rs bn+15.9%
Licensed specialised banks - gross foreign currencu (FCY) loans (licensed specialised banks) ended1.8Rs bn−66.4%
Licensed specialised banks - gross non-performing advances (npls) (licensed specialised banks) ended59.8Rs bn+8.3%
Licensed specialised banks - net non-performing advances (npls) (licensed specialised banks) ended37.4Rs bn−2.0%
Licensed specialised banks - total loan loss provisions (licensed specialised banks) ended26.2Rs bn+29.2%
Licensed specialised banks - specific loan loss provisions (licensed specialised banks) ended22.4Rs bn+31.5%
Licensed specialised banks - general loan loss provisions (licensed specialised banks) ended3.8Rs bn+16.7%
Licensed specialised banks - investment properties (licensed specialised banks) ended1.3Rs bn−5.5%
Licensed specialised banks - fixed assets (net) (licensed specialised banks) ended19.6Rs bn+12.7%
Licensed specialised banks - other assets (licensed specialised banks) ended82.1Rs bn+20.2%
Licensed specialised banks - non-performing advances (npls) - special mentioned category (licensed specialised banks) ended13.8%−5.4 pts
Licensed specialised banks - non-performing advances (npls) - substandard category (licensed specialised banks) ended20.9%+2.1 pts
Licensed specialised banks - non-performing advances (npls) - doubtful category (licensed specialised banks) ended20.9%−1.3 pts
Licensed specialised banks - non-performing advances (npls) - loss category (licensed specialised banks) ended44.4%+4.6 pts
Licensed specialised banks - deposits (licensed specialised banks) ended1,762.6Rs bn+13.5%
Licensed specialised banks - rupee (LKR) deposits (licensed specialised banks) ended1,747.2Rs bn+13.6%
Licensed specialised banks - rupee (LKR) - time deposits (licensed specialised banks) ended1,319.7Rs bn+13.3%
Licensed specialised banks - rupee (LKR) - savings deposits (licensed specialised banks) ended413.5Rs bn+14.8%
Licensed specialised banks - rupee (LKR) - current deposits (licensed specialised banks) ended0.0Rs bn–
Licensed specialised banks - rupee (LKR) - other deposits (licensed specialised banks) ended14.0Rs bn+5.3%
Licensed specialised banks - foreign currency (FCY) deposits (licensed specialised banks) ended15.4Rs bn+0.1%
Licensed specialised banks - foreign currency (FCY) - time deposits (licensed specialised banks) ended10.7Rs bn−4.7%
Licensed specialised banks - foreign currency (FCY) - savings deposits (licensed specialised banks) ended4.7Rs bn+12.9%
Licensed specialised banks - foreign currency (FCY) - current deposits (licensed specialised banks) ended0.0Rs bn–
Licensed specialised banks - foreign currency (FCY) - other deposits (licensed specialised banks) ended0.0Rs bn–
Licensed specialised banks - borrowings (licensed specialised banks) ended126.7Rs bn+20.1%
Licensed specialised banks - rupee (LKR) borrowings (licensed specialised banks) ended99.3Rs bn+9.8%
Licensed specialised banks - foreign currency (FCY) borrowings (licensed specialised banks) ended27.4Rs bn+82.0%
Licensed specialised banks - other liabilities (licensed specialised banks) ended78.3Rs bn+4.9%
Licensed specialised banks - equity capital & reserves (licensed specialised banks) ended135.4Rs bn+30.5%
Licensed specialised banks - core capital (tier I) (licensed specialised banks) ended89.5Rs bn+14.4%
Licensed specialised banks - deductions-adjustments for core capital (tier I) (licensed specialised banks) ended9.2Rs bn+45.6%
Licensed specialised banks - eligible core capital (licensed specialised banks) ended80.3Rs bn+11.6%
Licensed specialised banks - supplementary capital (tier II) (licensed specialised banks) ended17.0Rs bn−5.8%
Licensed specialised banks - deductions-adjustments for core capital (tier II) (licensed specialised banks) ended56.0Rs mn−49.1%
Licensed specialised banks - capital base (regulatory capital) (licensed specialised banks) ended97.2Rs bn+8.2%
Licensed specialised banks - risk weighted amount for credit risk (licensed specialised banks) ended570.4Rs bn+8.5%
Licensed specialised banks - risk weighted amount for market risk (licensed specialised banks) ended10.3Rs bn−10.8%
Licensed specialised banks - risk weighted amount for operational risk (licensed specialised banks) ended85.8Rs bn+23.4%
Licensed specialised banks - total risk weighted assets (licensed specialised banks) ended666.5Rs bn+9.8%
Licensed specialised banks - total income (licensed specialised banks), year to date ended188.3Rs bn+3.6%
Licensed specialised banks - interest income (licensed specialised banks), year to date ended183.5Rs bn+4.9%
Licensed specialised banks - interest expenses (licensed specialised banks), year to date ended101.2Rs bn−13.7%
Licensed specialised banks - net interest income (licensed specialised banks), year to date ended82.2Rs bn+42.7%
Licensed specialised banks - non-interest income (licensed specialised banks), year to date ended4.8Rs bn−28.4%
Licensed specialised banks - foreign exchange income (net) (licensed specialised banks), year to date ended319.0Rs mn−18.4%
Licensed specialised banks - operating expenses (licensed specialised banks), year to date ended38.7Rs bn+23.1%
Licensed specialised banks - staff cost (licensed specialised banks), year to date ended21.5Rs bn+24.6%
Licensed specialised banks - provision for bad and doubtful debts and loan write-offs (net) (licensed specialised banks), year to date ended5.6Rs bn+37.0%
Licensed specialised banks - provision for decline in value in investments (net) (licensed specialised banks), year to date ended0.0Rs bn–
Licensed specialised banks - profit before value added tax (VAT) & taxes (licensed specialised banks), year to date ended42.8Rs bn+48.4%
Licensed specialised banks - value added tax (VAT) on financial services (licensed specialised banks), year to date ended8.6Rs bn+41.6%
Licensed specialised banks - profit before corporate taxes (licensed specialised banks), year to date ended34.2Rs bn+50.1%
Licensed specialised banks - corporate tax (licensed specialised banks), year to date ended8.1Rs bn+8.0%
Licensed specialised banks - profits after corporate tax (licensed specialised banks), year to date ended26.2Rs bn+70.7%
Banking sector assets
Banking industry - total assets26,027.7Rs bn+9.3%
Banking industry - cash and due from banks2,032.3Rs bn+17.2%
Banking industry - investments8,925.6Rs bn−9.9%
Banking industry - investments - financial assets at fair value through profit or loss570.1Rs bn+23.0%
Banking industry - investments - financial investments at amortised cost6,746.3Rs bn−14.2%
Banking industry - investments - financial assets at fair value through other comprehensive income1,557.8Rs bn+1.8%
Banking industry - investments - investments in subsidiaries, associates and joint ventures51.4Rs bn+6.3%
Banking industry - net loans and receivables14,167.9Rs bn+25.0%
Banking industry - net loans and receivables (a) - gross loans and receivables15,263.5Rs bn+23.6%
Banking industry - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans12,149.9Rs bn+25.4%
Banking industry - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans - gross FCY loans3,113.6Rs bn+17.2%
Banking industry - net loans and receivables (a) - stage 3 loans1,382.9Rs bn−5.1%
Banking industry - net loans and receivables (a) - net stage 3 loans537.6Rs bn−19.3%
Banking industry - net loans and receivables (a) - total impairment on loans1,095.6Rs bn+7.7%
Banking industry - net loans and receivables (a) - total impairment on loans - o/w individual impairment686.8Rs bn+5.3%
Banking industry - net loans and receivables (a) - total impairment on loans - o/w individual impairment - collective impairment408.8Rs bn+12.0%
Banking industry - investment properties7.2Rs bn+11.2%
Banking industry - property, plant and equipment253.7Rs bn+14.0%
Banking industry - other assets641.1Rs bn+4.9%
Licensed commercial banks - total assets23,496.9Rs bn+9.9%
Licensed commercial banks - cash and due from banks1,932.6Rs bn+18.1%
Licensed commercial banks - investments7,703.8Rs bn−10.7%
Licensed commercial banks - investments - financial assets at fair value through profit or loss533.1Rs bn+23.1%
Licensed commercial banks - investments - financial investments at amortised cost5,629.7Rs bn−15.4%
Licensed commercial banks - investments - financial assets at fair value through other comprehensive income1,496.9Rs bn0.0%
Licensed commercial banks - investments - investments in subsidiaries, associates and joint ventures44.1Rs bn+7.4%
Licensed commercial banks - net loans and receivables13,050.4Rs bn+25.9%
Licensed commercial banks - net loans and receivables (a) - gross loans and receivables14,085.0Rs bn+24.3%
Licensed commercial banks - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans10,975.3Rs bn+26.5%
Licensed commercial banks - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans - gross FCY loans3,109.7Rs bn+17.2%
Licensed commercial banks - net loans and receivables (a) - stage 3 loans1,277.1Rs bn−5.1%
Licensed commercial banks - net loans and receivables (a) - net stage 3 loans474.8Rs bn−20.4%
Licensed commercial banks - net loans and receivables (a) - total impairment on loans1,034.6Rs bn+7.7%
Licensed commercial banks - net loans and receivables (a) - total impairment on loans - o/w individual impairment673.5Rs bn+5.1%
Licensed commercial banks - net loans and receivables (a) - total impairment on loans - o/w individual impairment - collective impairment361.1Rs bn+13.0%
Licensed commercial banks - investment properties5.5Rs bn+13.9%
Licensed commercial banks - property, plant and equipment228.9Rs bn+13.8%
Licensed commercial banks - other assets575.7Rs bn+7.1%
Licensed specialised banks - total assets2,530.9Rs bn+4.1%
Licensed specialised banks - cash and due from banks99.7Rs bn+2.3%
Licensed specialised banks - investments1,221.8Rs bn−4.2%
Licensed specialised banks - investments - financial assets at fair value through profit or loss37.0Rs bn+21.7%
Licensed specialised banks - investments - financial investments at amortised cost1,116.6Rs bn−7.2%
Licensed specialised banks - investments - financial assets at fair value through other comprehensive income60.9Rs bn+79.8%
Licensed specialised banks - investments - investments in subsidiaries, associates and joint ventures7.3Rs bn0.0%
Licensed specialised banks - net loans and receivables1,117.4Rs bn+16.3%
Licensed specialised banks - net loans and receivables (a) - gross loans and receivables1,178.5Rs bn+15.7%
Licensed specialised banks - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans1,174.6Rs bn+15.8%
Licensed specialised banks - net loans and receivables (a) - gross loans and receivables - o/w gross LKR loans - gross FCY loans3.9Rs bn+9.2%
Licensed specialised banks - net loans and receivables (a) - stage 3 loans105.8Rs bn−5.4%
Licensed specialised banks - net loans and receivables (a) - net stage 3 loans62.9Rs bn−9.1%
Licensed specialised banks - net loans and receivables (a) - total impairment on loans61.0Rs bn+7.2%
Licensed specialised banks - net loans and receivables (a) - total impairment on loans - o/w individual impairment13.3Rs bn+17.0%
Licensed specialised banks - net loans and receivables (a) - total impairment on loans - o/w individual impairment - collective impairment47.7Rs bn+4.7%
Licensed specialised banks - investment properties1.7Rs bn+3.1%
Licensed specialised banks - property, plant and equipment24.9Rs bn+15.8%
Licensed specialised banks - other assets65.3Rs bn−10.8%
Banking industry - investments - investments - held for trading ended601.3Rs bn−21.2%
Banking industry - investments - investments - held to maturity ended4,284.3Rs bn+24.8%
Banking industry - net loans and advances ended10,125.0Rs bn+14.8%
Banking industry - net loans and advances (a) - gross loans and advances ended10,479.7Rs bn+15.3%
Banking industry - net loans and advances (a) - gross loans and advances - o/w gross LKR loans ended8,571.9Rs bn+17.6%
Banking industry - net loans and advances (a) - gross loans and advances - o/w gross LKR loans - gross FCY loans ended1,907.8Rs bn+6.0%
Banking industry - net loans and advances (a) - gross non-performing advances ended468.1Rs bn+4.5%
Banking industry - net loans and advances (a) - net non-performing advances ended168.4Rs bn−22.1%
Banking industry - net loans and advances (a) - total loan loss provisions ended354.7Rs bn+29.2%
Banking industry - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions ended299.7Rs bn+29.3%
Banking industry - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions - general loan loss provisions ended55.0Rs bn+28.7%
Banking industry - fixed assets (net) ended186.9Rs bn+13.2%
Licensed commercial banks - investments - investments - held for trading ended568.0Rs bn−22.4%
Licensed commercial banks - investments - investments - held to maturity ended3,344.1Rs bn+27.5%
Licensed commercial banks - net loans and advances ended9,226.0Rs bn+14.8%
Licensed commercial banks - net loans and advances (a) - gross loans and advances ended9,554.5Rs bn+15.3%
Licensed commercial banks - net loans and advances (a) - gross loans and advances - o/w gross LKR loans ended7,648.5Rs bn+17.8%
Licensed commercial banks - net loans and advances (a) - gross loans and advances - o/w gross LKR loans - gross FCY loans ended1,906.0Rs bn+6.2%
Licensed commercial banks - net loans and advances (a) - gross non-performing advances ended408.3Rs bn+3.9%
Licensed commercial banks - net loans and advances (a) - net non-perfroming advances ended131.1Rs bn−26.4%
Licensed commercial banks - net loans and advances (a) - total loan loss provisions ended328.5Rs bn+29.2%
Licensed commercial banks - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions ended277.3Rs bn+29.1%
Licensed commercial banks - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions - general loan loss provisions ended51.2Rs bn+29.7%
Licensed commercial banks - fixed assets (net) ended167.4Rs bn+13.2%
Licensed specialised banks - investments - investments - held for trading ended33.3Rs bn+8.3%
Licensed specialised banks - investments - investments - held to maturity ended940.2Rs bn+16.1%
Licensed specialised banks - net loans and advances ended899.0Rs bn+15.1%
Licensed specialised banks - net loans and advances (a) - gross loans and advances ended925.2Rs bn+15.4%
Licensed specialised banks - net loans and advances (a) - gross loans and advances - o/w gross LKR loans ended923.4Rs bn+15.9%
Licensed specialised banks - net loans and advances (a) - gross loans and advances - o/w gross LKR loans - gross FCY loans ended1.8Rs bn−66.4%
Licensed specialised banks - net loans and advances (a) - gross non-performing advances ended59.8Rs bn+8.3%
Licensed specialised banks - net loans and advances (a) - net non-perfroming advances ended37.4Rs bn−2.0%
Licensed specialised banks - net loans and advances (a) - total loan loss provisions ended26.2Rs bn+29.2%
Licensed specialised banks - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions ended22.4Rs bn+31.5%
Licensed specialised banks - net loans and advances (a) - total loan loss provisions - o/w specific loan loss provisions - general loan loss provisions ended3.8Rs bn+16.7%
Licensed specialised banks - fixed assets (net) ended19.6Rs bn+12.7%
Banking sector liabilities and capital
Banking sector - total liabilities including equity26,027.7Rs bn+9.3%
Banking sector - deposits20,616.9Rs bn+7.3%
Banking sector - deposits - LKR deposits16,308.2Rs bn+4.8%
Banking sector - deposits - LKR deposits - time deposits10,624.3Rs bn+3.1%
Banking sector - deposits - LKR deposits - savings deposits4,530.2Rs bn+6.8%
Banking sector - deposits - LKR deposits - current deposits918.2Rs bn+9.6%
Banking sector - deposits - LKR deposits - other deposits235.5Rs bn+26.8%
Banking sector - deposits - FCY deposits4,308.7Rs bn+17.9%
Banking sector - deposits - FCY deposits - time deposits3,043.2Rs bn+22.9%
Banking sector - deposits - FCY deposits - savings deposits775.3Rs bn+2.1%
Banking sector - deposits - FCY deposits - current deposits418.4Rs bn+19.7%
Banking sector - deposits - FCY deposits - other deposits71.9Rs bn+4.6%
Banking sector - borrowings1,885.9Rs bn+26.9%
Banking sector - borrowings - LKR borrowings1,629.9Rs bn+29.1%
Banking sector - borrowings - FCY borrowings256.0Rs bn+14.7%
Banking sector - other liabilities988.8Rs bn+8.5%
Banking sector - equity capital & reserves2,536.2Rs bn+15.7%
Licensed commercial banks - total liabilities including equity23,496.9Rs bn+9.9%
Licensed commercial banks - deposits18,481.7Rs bn+7.6%
Licensed commercial banks - deposits - LKR deposits14,211.7Rs bn+4.9%
Licensed commercial banks - deposits - LKR deposits - time deposits9,011.9Rs bn+3.3%
Licensed commercial banks - deposits - LKR deposits - savings deposits4,046.7Rs bn+6.6%
Licensed commercial banks - deposits - LKR deposits - current deposits918.2Rs bn+9.6%
Licensed commercial banks - deposits - LKR deposits - other deposits234.9Rs bn+26.9%
Licensed commercial banks - deposits - FCY deposits4,270.0Rs bn+17.7%
Licensed commercial banks - deposits - FCY deposits - time deposits3,011.2Rs bn+22.6%
Licensed commercial banks - deposits - FCY deposits - savings deposits768.6Rs bn+2.1%
Licensed commercial banks - deposits - FCY deposits - current deposits418.4Rs bn+19.7%
Licensed commercial banks - deposits - FCY deposits - other deposits71.9Rs bn+4.6%
Licensed commercial banks - borrowings1,775.2Rs bn+30.6%
Licensed commercial banks - borrowings - LKR borrowings1,542.8Rs bn+32.8%
Licensed commercial banks - borrowings - FCY borrowings232.4Rs bn+17.9%
Licensed commercial banks - other liabilities891.8Rs bn+7.9%
Licensed commercial banks - equity capital & reserves2,348.1Rs bn+16.1%
Licensed specialised banks - total liabilities including equity2,530.9Rs bn+4.1%
Licensed specialised banks - deposits2,135.2Rs bn+4.2%
Licensed specialised banks - deposits - LKR deposits2,096.5Rs bn+3.7%
Licensed specialised banks - deposits - LKR deposits - time deposits1,612.3Rs bn+2.4%
Licensed specialised banks - deposits - LKR deposits - savings deposits483.5Rs bn+8.3%
Licensed specialised banks - deposits - LKR deposits - current deposits0.0Rs bn–
Licensed specialised banks - deposits - LKR deposits - other deposits621.8Rs mn−2.8%
Licensed specialised banks - deposits - FCY deposits38.7Rs bn+41.1%
Licensed specialised banks - deposits - FCY deposits - time deposits32.0Rs bn+53.4%
Licensed specialised banks - deposits - FCY deposits - savings deposits6.8Rs bn+2.4%
Licensed specialised banks - deposits - FCY deposits - current deposits0.0Rs bn–
Licensed specialised banks - deposits - FCY deposits - other deposits0.0Rs bn–
Licensed specialised banks - borrowings110.6Rs bn−12.8%
Licensed specialised banks - borrowings - LKR borrowings87.0Rs bn−13.6%
Licensed specialised banks - borrowings - FCY borrowings23.6Rs bn−9.7%
Licensed specialised banks - other liabilities97.0Rs bn+14.5%
Licensed specialised banks - equity capital & reserves188.1Rs bn+10.5%
Banking sector earnings and profits
Code - A47 total income, year to date1,404.0Rs bn+11.8%
Code - A47 interest income, year to date1,226.2Rs bn+9.3%
Code - A47 interest expenses, year to date671.1Rs bn+7.8%
Code - A47 net interest income, year to date555.1Rs bn+11.3%
Code - A47 non-interest income, year to date177.8Rs bn+31.9%
Code - A47 non-interest income - A47 gain from trading (net), year to date37.5Rs bn+105.7%
Code - A47 operating expenses, year to date268.4Rs bn+15.3%
Code - A47 operating expenses - A47 staff cost, year to date140.5Rs bn+11.4%
Code - A47 impairment for loans & other losses, year to date69.1Rs bn+104.7%
Code - A47 profit before VAT & taxes, year to date395.4Rs bn+7.7%
Code - A47 VAT, NBT and other taxes on financial service, year to date83.8Rs bn+5.9%
Code - A47 share of profit/(loss) of associates & joint ventures, year to date63.8Rs mn+46.5%
Code - A47 profit before corporate taxes, year to date311.6Rs bn+8.2%
Code - A47 corporate tax, year to date102.9Rs bn−0.4%
Code - A47 profits after corporate tax, year to date208.7Rs bn+12.9%
Licensed commercial banks - total income, year to date1,263.3Rs bn+13.1%
Licensed commercial banks - interest income, year to date1,089.5Rs bn+10.4%
Licensed commercial banks - interest expenses, year to date599.0Rs bn+9.3%
Licensed commercial banks - net interest income, year to date490.6Rs bn+11.8%
Licensed commercial banks - non-interest income, year to date173.8Rs bn+33.2%
Licensed commercial banks - non-interest income - gain from trading (net), year to date37.5Rs bn+114.6%
Licensed commercial banks - operating expenses, year to date235.5Rs bn+16.1%
Licensed commercial banks - operating expenses - staff cost, year to date117.3Rs bn+11.5%
Licensed commercial banks - impairment for loans & other losses, year to date70.4Rs bn+94.9%
Licensed commercial banks - profit before VAT & taxes, year to date358.4Rs bn+8.5%
Licensed commercial banks - VAT, NBT and other taxes on financial service, year to date74.2Rs bn+6.2%
Licensed commercial banks - share of profit/(loss) of associates & joint ventures, year to date63.8Rs mn+46.5%
Licensed commercial banks - profit before corporate taxes, year to date284.3Rs bn+9.1%
Licensed commercial banks - corporate tax, year to date91.1Rs bn−1.2%
Licensed commercial banks - profits after corporate tax, year to date193.2Rs bn+14.8%
Licensed specialised banks - total income, year to date140.7Rs bn+1.3%
Licensed specialised banks - interest income, year to date136.7Rs bn+1.6%
Licensed specialised banks - interest expenses, year to date72.1Rs bn−3.1%
Licensed specialised banks - net interest income, year to date64.5Rs bn+7.4%
Licensed specialised banks - non-interest income, year to date4.0Rs bn−8.1%
Licensed specialised banks - non-interest income - gain from trading (net), year to date−66.0Rs mn–
Licensed specialised banks - operating expenses, year to date32.9Rs bn+9.9%
Licensed specialised banks - operating expenses - staff cost, year to date23.2Rs bn+11.3%
Licensed specialised banks - impairment for loans & other losses, year to date−1.3Rs bn–
Licensed specialised banks - profit before VAT & taxes, year to date37.0Rs bn+0.2%
Licensed specialised banks - VAT, NBT and other taxes on financial service, year to date9.7Rs bn+3.9%
Licensed specialised banks - share of profit/(loss) of associates & joint ventures, year to date0.0Rs bn–
Licensed specialised banks - profit before corporate taxes, year to date27.3Rs bn−1.0%
Licensed specialised banks - corporate tax, year to date11.8Rs bn+6.3%
Licensed specialised banks - profits after corporate tax, year to date15.5Rs bn−5.9%
Code - A47 total income737.9Rs bn+16.9%
Code - A47 interest income628.5Rs bn+11.1%
Code - A47 interest expenses343.7Rs bn+9.4%
Code - A47 net interest income284.8Rs bn+13.1%
Code - A47 non-interest income109.4Rs bn+68.2%
Code - A47 non-interest income - A47 gain from trading (net)29.8Rs bn+216.5%
Code - A47 operating expenses136.4Rs bn+14.4%
Code - A47 operating expenses - A47 staff cost72.3Rs bn+12.0%
Code - A47 impairment for loans & other losses36.1Rs bn+190.1%
Code - A47 profit before VAT & taxes221.7Rs bn+19.8%
Code - A47 VAT, NBT and other taxes on financial service44.2Rs bn+9.0%
Code - A47 share of profit/(loss) of associates & joint ventures26.8Rs mn−38.4%
Code - A47 profit before corporate taxes177.5Rs bn+22.7%
Code - A47 corporate tax53.4Rs bn+3.9%
Code - A47 profits after corporate tax124.1Rs bn+33.1%
Licensed commercial banks - total income666.2Rs bn+18.8%
Licensed commercial banks - interest income559.1Rs bn+12.2%
Licensed commercial banks - interest expenses307.1Rs bn+10.8%
Licensed commercial banks - net interest income252.0Rs bn+14.0%
Licensed commercial banks - non-interest income107.1Rs bn+71.3%
Licensed commercial banks - non-interest income - gain from trading (net)29.7Rs bn+231.5%
Licensed commercial banks - operating expenses119.5Rs bn+15.7%
Licensed commercial banks - operating expenses - staff cost60.8Rs bn+13.8%
Licensed commercial banks - impairment for loans & other losses35.9Rs bn+159.5%
Licensed commercial banks - profit before VAT & taxes203.6Rs bn+22.4%
Licensed commercial banks - VAT, NBT and other taxes on financial service39.4Rs bn+10.2%
Licensed commercial banks - share of profit/(loss) of associates & joint ventures26.8Rs mn−38.4%
Licensed commercial banks - profit before corporate taxes164.3Rs bn+25.7%
Licensed commercial banks - corporate tax47.5Rs bn+4.2%
Licensed commercial banks - profits after corporate tax116.8Rs bn+37.2%
Licensed specialised banks - total income71.6Rs bn+1.9%
Licensed specialised banks - interest income69.4Rs bn+2.4%
Licensed specialised banks - interest expenses36.6Rs bn−1.0%
Licensed specialised banks - net interest income32.8Rs bn+6.5%
Licensed specialised banks - non-interest income2.2Rs bn−10.7%
Licensed specialised banks - non-interest income - gain from trading (net)173.1Rs mn−64.0%
Licensed specialised banks - operating expenses16.8Rs bn+5.4%
Licensed specialised banks - operating expenses - staff cost11.5Rs bn+3.6%
Licensed specialised banks - impairment for loans & other losses160.5Rs mn–
Licensed specialised banks - profit before VAT & taxes18.0Rs bn−3.7%
Licensed specialised banks - VAT, NBT and other taxes on financial service4.8Rs bn+0.2%
Licensed specialised banks - share of profit/(loss) of associates & joint ventures0.0Rs bn–
Licensed specialised banks - profit before corporate taxes13.2Rs bn−5.0%
Licensed specialised banks - corporate tax5.9Rs bn+2.1%
Licensed specialised banks - profits after corporate tax7.3Rs bn−10.1%
Code - A47 non-interest income - A47 foreign exchange income (net), year to date ended46.4Rs bn+47.1%
Code - A47 provision for bad and doubtful debts and loan write-offs (net), year to date ended91.3Rs bn+9.3%
Code - A47 provision for decline in value in investments (net), year to date ended8.3Rs bn+1013.7%
Code - A47 VAT on financial services, year to date ended57.4Rs bn+34.7%
Licensed commercial banks - non-interest income - foreign exchange income (net), year to date ended46.1Rs bn+47.9%
Licensed commercial banks - provision for bad and doubtful debts and loan write-offs (net), year to date ended85.7Rs bn+7.8%
Licensed commercial banks - provision for decline in value in investments (net), year to date ended8.3Rs bn+1013.7%
Licensed commercial banks - operating profit before VAT & taxes, year to date ended273.4Rs bn+34.3%
Licensed commercial banks - VAT on financial services, year to date ended48.9Rs bn+33.5%
Licensed commercial banks - operating profit before corporate taxes, year to date ended224.5Rs bn+34.5%
Licensed commercial banks - operating profits after corporate tax, year to date ended172.2Rs bn+42.9%
Licensed specialised banks - non-interest income - foreign exchange income (net), year to date ended319.3Rs mn−18.3%
Licensed specialised banks - provision for bad and doubtful debts and loan write-offs (net), year to date ended5.6Rs bn+37.0%
Licensed specialised banks - provision for decline in value in investments (net), year to date ended0.0Rs bn–
Licensed specialised banks - operating profit before VAT & taxes, year to date ended42.8Rs bn+48.7%
Licensed specialised banks - VAT on financial services, year to date ended8.6Rs bn+41.8%
Licensed specialised banks - operating profit before corporate taxes, year to date ended34.2Rs bn+50.5%
Licensed specialised banks - operating profits after corporate tax, year to date ended26.2Rs bn+71.1%
Code - A47 non-interest income - A47 foreign exchange income (net) ended7.2Rs bn+4.1%
Code - A47 provision for bad and doubtful debts and loan write-offs (net) ended29.8Rs bn+65.1%
Code - A47 provision for decline in value in investments (net) ended8.4Rs bn+3621.6%
Code - A47 VAT on financial services ended13.5Rs bn+3.8%
Licensed commercial banks - non-interest income - foreign exchange income (net) ended7.2Rs bn+4.9%
Licensed commercial banks - provision for bad and doubtful debts and loan write-offs (net) ended29.2Rs bn+70.7%
Licensed commercial banks - provision for decline in value in investments (net) ended8.4Rs bn+3621.6%
Licensed commercial banks - operating profit before VAT & taxes ended66.8Rs bn+14.0%
Licensed commercial banks - VAT on financial services ended11.1Rs bn+4.0%
Licensed commercial banks - operating profit before corporate taxes ended55.7Rs bn+16.2%
Licensed commercial banks - operating profits after corporate tax ended41.1Rs bn+23.3%
Licensed specialised banks - non-interest income - foreign exchange income (net) ended70.2Rs mn−40.1%
Licensed specialised banks - provision for bad and doubtful debts and loan write-offs (net) ended577.3Rs mn−38.0%
Licensed specialised banks - provision for decline in value in investments (net) ended0.0Rs bn–
Licensed specialised banks - operating profit before VAT & taxes ended13.0Rs bn−2.9%
Licensed specialised banks - VAT on financial services ended2.4Rs bn+2.9%
Licensed specialised banks - operating profit before corporate taxes ended10.5Rs bn−4.2%
Licensed specialised banks - operating profits after corporate tax ended8.1Rs bn+5.9%
Banking sector capital adequacy
Code - A1 total capital ratio (regulatory capital to risk weighted assets)18.2%−1.2 pts
Code - A2 tier 1 capital ratio (tier 1 capital to risk weighted assets)14.8%−1.2 pts
Code - A2 common equity tier 1 ratio (the ratio of common equity tier 1 to risk weighted assets)14.6%−1.2 pts
Code - A3 tier 1 capital to total assets ratio7.4%+0.3 pts
Code - A4 capital funds to total assets ratio9.7%+0.5 pts
Code - A5 gross stage 3 loans excluding undrawn portion to capital funds54.5%−12.0 pts
Code - A6 stage 3 loans including undrawn amounts (net of stage 3 impairment) to capital funds ratio21.2%−9.2 pts
Licensed commercial banks - total capital ratio (regulatory capital to risk weighted assets)18.1%−1.2 pts
Licensed commercial banks - tier 1 capital ratio (tier 1 capital to risk weighted assets)14.6%−1.3 pts
Licensed commercial banks - common equity tier 1 ratio (the ratio of common equity tier 1 to risk weighted assets)14.4%−1.2 pts
Licensed commercial banks - tier 1 capital to total assets ratio7.7%+0.3 pts
Licensed commercial banks - capital funds to total assets ratio10.0%+0.5 pts
Licensed commercial banks - gross stage 3 loans excluding undrawn portion to capital funds54.4%−12.2 pts
Licensed commercial banks - stage 3 loans including undrawn amounts (net of stage 3 impairment) to capital funds ratio20.2%−9.3 pts
Licensed specialised banks - total capital ratio (regulatory capital to risk weighted assets)19.9%−1.4 pts
Licensed specialised banks - tier 1 capital ratio (tier 1 capital to risk weighted assets)17.9%−0.6 pts
Licensed specialised banks - common equity tier 1 ratio (the ratio of common equity tier 1 to risk weighted assets)17.3%−0.5 pts
Licensed specialised banks - tier 1 capital to total assets ratio5.0%+0.4 pts
Licensed specialised banks - capital funds to total assets ratio7.4%+0.4 pts
Licensed specialised banks - gross stage 3 loans excluding undrawn portion to capital funds56.2%−9.4 pts
Licensed specialised banks - stage 3 loans including undrawn amounts (net of stage 3 impairment) to capital funds ratio33.4%−7.2 pts
Code - A1 capital adequacy ratio ended16.5%−0.6 pts
Code - A4 equity capital & reserves to total assets ratio ended8.7%+0.1 pts
Code - A5 non-performing loans to equity capital & reserves ended32.0%−3.8 pts
Code - A6 net non-performing loans to equity capital & reserves ended11.5%−5.7 pts
Licensed commercial banks - capital adequacy ratio ended16.7%−0.4 pts
Licensed commercial banks - equity capital & reserves to total assets ratio ended9.0%no change
Licensed commercial banks - non-performing loans to equity capital & reserves ended30.7%−3.4 pts
Licensed commercial banks - net non-performing loans to equity capital & reserves ended9.9%−5.6 pts
Licensed specialised banks - capital adequacy ratio ended14.6%−2.2 pts
Licensed specialised banks - equity capital & reserves to total assets ratio ended6.4%+0.8 pts
Licensed specialised banks - non-performing loans to equity capital & reserves ended44.2%−9.0 pts
Licensed specialised banks - net non-performing loans to equity capital & reserves ended27.6%−9.2 pts
Banking sector asset quality
Code - A7 stage 3 loans (excluding undrawn portion) to total loans ratio9.1%−2.7 pts
Code - A8 stage 3 loans (including undrawn portion) to total loans ratio9.1%−2.8 pts
Code - A9 stage 3 impairment coverage ratio (including undrawn portion)61.3%+6.4 pts
Code - A10 total impairment coverage ratio (including undrawn portion)7.1%−1.0 pts
Licensed commercial banks - stage 3 loans (excluding undrawn portion) to total loans ratio9.1%−2.8 pts
Licensed commercial banks - A8 stage 3 loans (including undrawn portion) to total loans ratio9.1%−2.9 pts
Licensed commercial banks - A8 stage 3 impairment coverage ratio (including undrawn portion)63.0%+6.8 pts
Licensed commercial banks - A8 total impairment coverage ratio (including undrawn portion)7.3%−1.1 pts
Licensed specialised banks - stage 3 loans (excluding undrawn portion) to total loans ratio9.0%−2.0 pts
Licensed specialised banks - A8 stage 3 loans (including undrawn portion) to total loans ratio9.2%−2.2 pts
Licensed specialised banks - A8 stage 3 impairment coverage ratio (including undrawn portion)40.6%+2.2 pts
Licensed specialised banks - A8 total impairment coverage ratio (including undrawn portion)5.3%−0.5 pts
Code - A7 non-performing loans to total loans and advances ended4.5%−0.5 pts
Code - A8 net non-performing loans to total loans and advances ended1.7%−0.8 pts
Code - A9 specific provision coverage ratio ended64.0%+12.3 pts
Code - A10 total provision coverage ratio ended75.8%+14.5 pts
Code - A11 total loans and advances to total assets ended61.9%−0.1 pts
Code - A12 foreign currency denominated loans to total loans and advances ended18.2%−1.6 pts
Code - A13 investments to total assets ended29.1%+0.3 pts
Licensed commercial banks - non-performing loans to total loans and advances ended4.3%−0.5 pts
Licensed commercial banks - A8 net non-performing loans to total loans and advances ended1.4%−0.8 pts
Licensed commercial banks - A8 specific provision coverage ratio ended67.9%+13.3 pts
Licensed commercial banks - A8 total provision coverage ratio ended80.4%+15.7 pts
Licensed commercial banks - A8 total loans and advances to total assets ended64.5%−0.1 pts
Licensed commercial banks - A12 foreign currency denominated loans to total loans and advances ended19.9%−1.7 pts
Licensed commercial banks - A13 investments to total assets ended26.6%+0.2 pts
Licensed specialised banks - non-performing loans to total loans and advances ended6.5%−0.4 pts
Licensed specialised banks - A8 net non-performing loans to total loans and advances ended4.1%−0.7 pts
Licensed specialised banks - A8 specific provision coverage ratio ended37.5%+6.6 pts
Licensed specialised banks - A8 total provision coverage ratio ended43.8%+7.1 pts
Licensed specialised banks - A8 total loans and advances to total assets ended44.0%+0.4 pts
Licensed specialised banks - A12 foreign currency denominated loans to total loans and advances ended0.2%−0.5 pts
Licensed specialised banks - A13 investments to total assets ended46.5%+0.5 pts
Banking sector - total capital adequacy ratio (CAR) (all banks)

%, quarterly. 2021 Q4: 16.5, no change on a year earlier
Series page
Published by the Central Bank of Sri Lanka; read from CBSL Economic Data Library (wizard), CBSL Economic and Social Statistics and CBSL statistical tables.
* Calculated by Macro Lab from the published values.