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US Reaffirms Commitment to Deepening SL Ties 🤝

• US Ambassador Julie Chung called on President Anura Kumara Dissanayake yesterday. • The Ambassador reaffirmed the US commitment to deepening bilateral ties with Sri Lanka. • Discussions focused on expanding cooperation and opportunities that advance US interests while benefiting both nations. • The US looks forward to continued progress in 2026.

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US Reaffirms Commitment to Deepening SL Ties 🤝

• US Ambassador Julie Chung called on President Anura Kumara Dissanayake yesterday. • The Ambassador reaffirmed the US commitment to deepening bilateral ties with Sri Lanka. • Discussions focused on expanding cooperation and opportunities that advance US interests while benefiting both nations. • The US looks forward to continued progress in 2026.

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German-SL Pro Urges Diaspora & Global Investment in SL 📈

• Germany-based professional, Thushaan Kunabalasingam, urges the Sri Lankan diaspora and international companies to invest, citing a "conducive environment" and that the country is "on the right track" under the new administration. • He is focusing on strengthening economic cooperation with Germany across three key sectors: Cruise Tourism, Education, and Cuisine/Hospitality partnerships. • For Cruise Tourism, he is leveraging networks to bring large international liners (5,000–7,000 passenger vessels) to Colombo, aiming to make SL a key Indian Ocean hotspot. • German company Livecookintable (modular cooking systems) is conducting a feasibility study to establish operations in Colombo by 2027, focusing on the hospitality sector. • A parallel, non-commercial initiative is actively promoting SL's Education sector via university partnerships, student exchanges, and joint research with institutions including UoM, UoC, and UoJ.

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🤝 Trade Boost: SL-Hainan Officials Meet to Strengthen Bilateral Ties

• Minister of Industry and Entrepreneurship Development, Sunil Handunnetti, met with YAN Xijun, Vice Chairman of the Standing Committee of the Hainan Provincial People’s Council in Colombo. • The central agenda of the meeting was to discuss and strengthen bilateral trade between Sri Lanka and China's Hainan Province. • The discussion focuses on enhancing economic cooperation and exploring opportunities for mutual trade expansion. 📈

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🚨 Fitch: Political Flare-Ups Risk for APAC EM Sovereigns in 2026

• Fitch Ratings projects political flare-ups will remain a key credit risk for several Asia-Pacific emerging market sovereigns in 2026. • This follows significant political unrest seen in 2025 in countries including Indonesia, the Maldives, Mongolia, Nepal, and the Philippines. • Economic Impact: Instability typically hurts near-term economic activity by damaging consumer and business confidence. • External balances face risk as inflows of tourists, remittances, or investment may be negatively affected, alongside potential capital outflows. • Sustained tensions can be a significant drag, potentially pressuring governments to loosen fiscal policy, negatively affecting public finances. • The risk is amplified if unrest leads to government falls or major shifts in established institutions/policy. • Resilience: Sovereigns with strong credit buffers, such as lower debt and larger fiscal/external reserves, are better positioned to withstand temporary disruption. (e.g., Nepal's 'BB-' rating affirmation cited its strong external liquidity and modest debt).

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📈 SL Tourism Shines at 8th Travel Expo Ankara

• Sri Lanka successfully showcased its vibrant and diverse tourism potential at the 8th Travel Expo Ankara (Nov 20–22, 2025), organized by the SL Embassy in Türkiye. • The SL stand generated significant interest among travel professionals, investors, and media, highlighting strengths in destination, cultural, wellness, and adventure tourism. • Visitors were treated to authentic Sri Lankan value-added products, with Ceylon tea being served throughout the event. • High visibility was achieved through extensive Turkish media coverage, including TV channels, YouTubers, and bloggers. • Ambassador Niluka Kadurugamuwa held key meetings with Türkiye's Deputy Minister of Culture and Tourism and the President of the Ankara Chamber of Commerce to strengthen bilateral cooperation in tourism and related sectors. • The influential platform welcomed approximately 10,000 participants and exhibitors.

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🇬🇧 SL Promotes Major Mineral Sector Investment in UK 📈

• The Sri Lanka High Commission in London, in partnership with Capital Metals PLC, hosted a promotional event to attract UK investors to the mineral sector, specifically focusing on the Taprobane Minerals Project. • The project, based on high-grade ilmenite resources, has significantly expanded estimated resources (nearly fifteenfold) in its initial development area. • Key economic profile includes a base-case IRR of 73% and an NPV8 of US$ 180 million. Funding is secured. • Timeline: Commercial operations are expected by early 2026, with first production scheduled for early 2027. • High Commissioner highlighted SL's improved economic environment, including stable exchange rates, growing reserves/exports/tourism, and the forthcoming Investment Protection Act to safeguard foreign investors. • The initiative aims to leverage the mineral sector for sustainable investment, employment creation, and foreign exchange growth.

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SL Economic Summit 2025 Sells Out: Global Interest High 📈

• The Sri Lanka Economic and Investment Summit 2025, organized by the Ceylon Chamber of Commerce, is officially sold out with over 850 total participants. • Theme: ‘Gateway to Growth – Asia’s Emerging Opportunity’. • Dates: 2 & 3 December. • Global Presence: Includes over 100 international delegates from more than 20 countries (e.g., China, India, Japan, USA, Singapore, Germany), reflecting the Summit's role in reconnecting with Sri Lanka’s economy. • Agenda Focus: Over 40 speakers will cover key growth sectors including trade, investment, renewable energy, technology, logistics, tourism, and financial services. • Participants will gain insights into new reforms and economic recovery direction from senior policymakers. • B2B and Government-to-Business networking sessions are scheduled to explore trade and investment opportunities.

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🚨 Cabinet Clears Next Stage for Sri Lanka's Entry into RCEP Trade Bloc! 📈

• The Cabinet of Ministers has approved the proposal to proceed with the next formal stage of accession to the Regional Comprehensive Economic Partnership (RCEP). • This crucial step allows Sri Lanka to complete and submit the detailed initial questionnaire required by existing RCEP members. The deadline for submission is 25 January 2026. • RCEP is the world's largest free trade arrangement, covering nearly a third of global GDP. Member states commit to eliminating 85–90% of tariffs over time. • SL’s goal is to diversify export markets, enhance competitiveness, and strengthen the country's position within regional and global supply chains. • The Government is also concurrently evaluating other key trade agreements that had been stopped midway.

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SL Requests Canada to Curb Separatist Activity 🤝

• Foreign Minister Vijitha Herath requested Canadian High Commissioner Isabelle Catherine Martin to curb activities on Canadian soil endorsing separatist narratives tied to Sri Lanka, specifically mentioning the public display of LTTE symbols. • Herath stated that groups in Canada continue to organise events and campaigns that attempt to revive separatist sentiment, which undermines Sri Lanka’s efforts to strengthen reconciliation and community relations. • He warned that unchecked activism risks creating misunderstandings between the two countries and asked for these concerns to be communicated to Ottawa. • High Commissioner Martin affirmed Canada’s support for Sri Lanka’s sovereignty and territorial integrity. She reiterated that the LTTE remains listed as a terrorist organisation in Canada and its related imagery is not recognised by the government.

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SL Business Delegation Boosts India-Lanka Ties at CII Partnership Summit 2025 🤝

The Ceylon Chamber of Commerce (CCC) and the Indo-Lanka Chamber of Commerce & Industry (ILCCI) successfully led a high-level Sri Lankan business delegation to the prestigious CII Partnership Summit 2025 in Visakhapatnam, Andhra Pradesh. • The delegation, led by CCC CEO Mr. Buwanekabahu Perera, participated in the premier forum alongside India's top leadership, including Vice-President C.P. Radhakrishnan and Andhra Pradesh Chief Minister N. Chandrababu Naidu. • Sessions focused on critical areas such as global trade, investment, digital transformation, and regional cooperation, offering valuable insights into India’s evolving economic landscape. • A core component was a structured series of Business-to-Business (B2B) meetings, facilitating direct linkages with potential Indian and international partners. • The mission played a pivotal role in strengthening commercial connectivity between Sri Lanka and India, aiming to open doors for trade partnerships, joint ventures, investment collaboration, and technology exchange. • Participation in such platforms is deemed essential for enhancing Sri Lanka’s economic diplomacy efforts and improving market access for the country’s business community.

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✈️ Key Discussions on Resuming BIA Expansion Phase II

• Ports and Civil Aviation Minister Anura Karunathilake held discussions with Japanese Ambassador Akio Isomata and officials from the Japan International Cooperation Agency (JICA). • The meeting focused on the restart of the second phase of the Bandaranaike International Airport (BIA) development project. • This signals progress towards the resumption of a crucial infrastructure initiative, pending previous delays.

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✈️ Key Discussions on Resuming BIA Expansion Phase II

• Ports and Civil Aviation Minister Anura Karunathilake held discussions with Japanese Ambassador Akio Isomata and officials from the Japan International Cooperation Agency (JICA). • The meeting focused on the restart of the second phase of the Bandaranaike International Airport (BIA) development project. • This signals progress towards the resumption of a crucial infrastructure initiative, pending previous delays.

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Product & Service Launches / Business Expansions

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BYD/JKCG Auto Opens 7th Showroom in Ratnapura, Boosting NEV Network 🚗

• New Energy Vehicle (NEV) brand BYD, with its distributor John Keells CG Auto, has launched its seventh fully-fledged showroom in Ratnapura, located in the Sabaragamuwa Province. • Strategic Expansion: This opening extends BYD's physical network, which now covers Western, Southern, Central, North Western, Eastern, and Sabaragamuwa provinces, aiming for widespread NEV adoption across Sri Lanka. • Facility & Service: The showroom, launched in partnership with N M I EV Solutions Ltd., displays BYD's latest lineup (including SHARK 6, SEALION 6, and DOLPHIN) and plans to introduce a full 3S (Sales, Service, and Spare Parts) facility soon. • Ecosystem Support: The overall network is supported by 21 existing charging points strategically installed across key locations island-wide.

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🚗 AMW Expands Footprint: New Showroom Opens in Kurunegala

• Associated Motorways Ltd. (AMW) has inaugurated a new state-of-the-art showroom in Kurunegala, marking a strategic step in expanding its national footprint. • The new facility, located on Colombo Road, significantly strengthens AMW's presence in the North Western Province, which is cited as a rapidly developing commercial hub. • The showroom currently features popular models like the Nissan Magnite and Suzuki Fronx, with plans to offer the full range of Nissan and Suzuki vehicles in the future. • For added customer convenience, the location integrates onsite finance and leasing solutions through AMW Capital Leasing & Finance, streamlining the vehicle purchase process. • The expansion aligns with AMW's commitment to delivering modern, world-class mobility services as the company celebrates over 75 years of serving Sri Lankan customers.

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📈 SL Transport Digitalisation: Sampath Bank Pilots Digital Fare Payments

• Sampath Bank PLC, in collaboration with the Road Passenger Transport Authority – Western Province, has launched a pilot project for digital bus fare payments, marking a key milestone in public transport digital transformation. • Pilot Route: The new system is operational on the Kadawatha–Battaramulla route. • Payment Method: Passengers can use contactless bank cards issued under Visa, Mastercard, UnionPay, and JCB for secure 'tap-and-pay' fare payments. • Key Goals: The initiative aims to enhance commuter convenience (cashless travel), improve transparency, and strengthen operational efficiency across provincial services. • Bank's Role: Sampath Bank serves as the acquiring bank, providing the underlying digital payment infrastructure, transaction processing, and settlement services. • This project aligns with government objectives to establish a bank-led, interoperable digital payment framework across the national public transport network.

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🚀 NCINGA & Google Cloud Showcase Agentic AI Future with Gemini Enterprise in Sri Lanka

• NCINGA, in partnership with Google Cloud, presented "The Agent Advantage" event, showcasing next-generation Agentic AI solutions to over 60 C-suite and tech leaders from leading BFSI, telecommunications, and manufacturing corporate entities. • The event served as the launch platform for Google’s Gemini Enterprise (previously Agentspace), a next-gen agentic platform designed to build and deploy AI agents with greater scale and speed. • Key Takeaways: • Agentic AI is positioned as essential for gaining a competitive edge, superseding legacy automation by acting as a "managed digital workforce." • MAS Holdings CDO emphasized that delaying AI adoption places organizations at a disadvantage, as these agents free human talent to focus on innovation and strategic work. • The technology automates routine manual tasks, provides predictive analytics, and was demonstrated live querying internal systems to eliminate data silos. • NCINGA CEO noted that Gemini Enterprise allows organizations to deploy and scale AI agents in days, not months, accelerating emerging technology adoption in the Sri Lankan market.

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John Keells Properties Partners with FACETS 2026 Gem & Jewellery Show 💍🏠

• John Keells Properties (JKP) has aligned with the Sri Lanka Gem and Jewellery Association (SLGJA) as the Official Real Estate Partner for 'FACETS 2026'. • The 33rd edition of the premier gem and jewellery exhibition is scheduled for 3–5 January 2026, at Cinnamon Life, City of Dreams, marking a move to an elite venue. • The partnership is intended to strengthen Sri Lanka's position as a global luxury destination by uniting artistry with investment value. • JKP will use the exhibition as a key sales platform to showcase the remaining 20% of its luxury residential properties. • Projects highlighted include The Residences Cinnamon Life, TRI-ZEN, VIMAN, and Victoria Golf Resort – Sunrise Ridge Villas. • FACETS 2026 will host over 100 exhibitors and is expected to attract delegates from key markets in Asia, Europe, and the Middle East.

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🚨 Universities Must Embed Cybersecurity: Crucial for Future Workforce & ICT/BPM Growth.

• Urgency: Accelerating digital transformation and increasingly sophisticated cyberthreats necessitate making cybersecurity knowledge indispensable for all graduates, not just InfoSec majors. • Threat Level: The human factor remains the top cause of breaches. Kaspersky reported 900 million phishing attempts globally in 2024, a 26% YoY increase, underscoring the persistent threat of social engineering. • Strategic Importance: Integrating cybersecurity (e.g., ethical hacking, cryptography) in curricula equips graduates with highly valued skills to anticipate and mitigate threats, vital for sectors like ICT/BPM and engineering. This also contributes to global cyber sustainability. • Business Impact: Cyber-aware employees ensure better data compliance, avoid errors that create security loopholes, and reduce long-term financial costs from potential violations and fines. It also boosts career mobility. • Solution: Kaspersky Academy has developed a free online course, 'Cybersecurity: Entry Level', for first- and second-year students across all majors to bridge this critical knowledge gap and instill a "security-first mindset" for both professional and personal resilience.

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⚡ BYD Expands NEV Portfolio in Sri Lanka with ATTO 1 & ATTO 2 Launch 🚗

• BYD, via its sole authorised distributor John Keells CG Auto (JKCG Auto), has officially launched the all-new fully electric BYD ATTO 1 hatchback and the compact SUV BYD ATTO 2 in Sri Lanka. • The introduction of these highly anticipated models, which were first presented at the Colombo Motor Show (Nov 21-23), significantly expands the country's New Energy Vehicle (NEV) options. • ATTO 1 Highlights: Built with BYD's Blade Battery and 8-in-1 electric powertrain, it offers a 300km driving range on a single charge. It also carries a 5-star ANCAP safety rating, serving as an accessible entry point to electric mobility. • ATTO 2 Highlights: Features BYD's CTB (Cell-to-Body) platform, which integrates the battery directly into the structure for improved rigidity and handling. It includes a 12.8-inch touchscreen and advanced driver-assistance features (e.g., adaptive cruise control). • JKCG Auto stated its commitment to providing the widest range of high-quality NEVs to cater to different price points and driving expectations, leveraging BYD's advanced technology. Both models are now open for bookings.

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🎬 Angel Selects Sri Lanka for Early Global Release of Animated Musical "David"

• US media and technology company Angel (NYSE: ANGX) is launching its highly anticipated animated musical, "David," across 43 international markets, marking its most ambitious international release schedule yet. • Sri Lanka is highlighted as a key early market in Asia, with the film's theatrical release scheduled for January 23, 2026. • Local distribution in the Sri Lankan market will be managed by Skyline Entertainment. • Globally, the push is driven by strong exhibitor confidence and robust domestic pre-sales in the US, which have surged close to US$ 6 million. • The selection of Sri Lanka as an early international market underscores a focus on diverse audience reach for value-driven stories.

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Landmark Charter Launch from Iran Bolsters SL Tourism ✈️

• Red Apple Travel Sri Lanka and Serene Travels have launched the country’s first independently-planned and managed charter flight series from Iran. • Duration & Scale: The series operates from 20 Nov 2025 to 10 Apr 2026, with each flight carrying 165 passengers, ensuring a steady, high-volume flow of visitors during the winter season. • Economic Impact: The initiative directly supports hotels, transport providers, and a wide network of tourism stakeholders across multiple regions in Sri Lanka. • Strategic Goal: This move aims to deepen Sri Lanka’s presence in the fast-growing Iranian outbound travel market, stabilise arrivals during shoulder/peak periods, and support year-round tourism. • The launch is a significant milestone, setting a new benchmark in inbound charter tourism and demonstrating renewed global confidence in the Sri Lankan tourism sector's resurgence.

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🔒 Cenmetrix celebrates 20 years of leadership in Digital Identity & Access Management

• Pioneer in Sri Lanka's ICT/BPM sector, Cenmetrix marks two decades as a trusted leader in digital identity and access management solutions. • Key Achievements: The company has successfully completed over 10,000 deployments across both private and public sectors, from manufacturing to government and hospitality. • Core Expertise: One of the first in Sri Lanka to specialize in biometric identification, providing world-class, integrated hardware and software solutions that streamline administration and drive operational efficiency. • Prominent Local Clients: Cenmetrix systems power major national institutions, including the Defence Ministry, Parliament of Sri Lanka, MAS Group, and Dialog. • Growing Global Footprint: The company's expertise extends internationally with projects such as the Maldives International Airport and the U.S. Air Force base in South Korea. Operations have now expanded to Singapore and the US, targeting markets across Asia-Pacific, the Middle East, and Africa. • Future Strategy: Focus is on continued R&D and integrating Artificial Intelligence (AI), analytics, and automation into its platforms to enable faster, data-driven decisions.

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FINTREX Finance Partners with Hambantota Tuskers in New Ceylon Golf League (CGL) 🏌️

• FINTREX Finance PLC has signed a three-year partnership with the Hambantota Tuskers, one of the eight franchises in the inaugural Ceylon Golf League (CGL). • The CGL, a league-style format inspired by global models like the IPL, aims to elevate professional golf in Sri Lanka. • The inaugural season will commence from December 5-7 at the Royal Colombo Golf Club. • FINTREX Finance is a licensed non-bank financial institution (NBFI), regulated by the Central Bank. • The partnership is viewed as aligning sporting excellence with financial empowerment. FINTREX's key services include leasing (four-wheelers, three-wheelers, motorbikes), gold loans, SME and business loans, and savings/deposits. • The Hambantota Tuskers team will compete in a dynamic format including Foursome, Indies, and Fourball competitions.

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Shell Lubricants Sri Lanka Partners Daraz for Digital Boost 🛒

• Shell Lubricants Sri Lanka, distributed by Delmege Forsyth Energy (Delmege Group), has officially partnered with the Daraz e-commerce platform. • Objective: To significantly expand Shell’s digital presence and offer customers a more convenient and efficient way to purchase genuine products nationwide. • Customers can now easily browse and purchase authentic Shell Lubricants directly from the official Shell Lubricants store on www.daraz.lk. • Customer Benefits: Assurance of genuine products, competitive pricing, exclusive online deals, and direct doorstep delivery across Sri Lanka. • This collaboration marks an important step in Delmege’s strategy to strengthen Shell’s market presence and adapt to the evolving digital landscape, enhancing accessibility for Sri Lankan motorists.

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Awards & Recognitions

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🏆 GNEXT Sri Lanka Bags 'Best Distributor' Title from Xiaomi Global

• GNEXT Sri Lanka was awarded the prestigious "Best Distributor in the South Asian Region" at the Xiaomi Global Partner Conference in Beijing, China. • The recognition from Xiaomi Global, a leading smartphone and technology brand, celebrates GNEXT’s outstanding performance, distribution excellence, and strong strategic partnership in the region. • Company executives noted the achievement is a proud moment for Sri Lanka, demonstrating its ability to perform and lead on a global stage in the technology landscape. • The award reinforces GNEXT’s position as a trusted distributor with a strong dealer network and exceptional operational standards.

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SLIC Garners Supply Chain Excellence Award 🏆

• Sri Lanka Insurance (SLIC) secured a Commendation Award in the ‘Best Supply Chain Practicing Organisation – Service Category’ at the National Supply Chain Excellence Awards 2025. • The award, presented by the Institute of Supply and Materials Management (ISMM) and the Ministry of Industries, recognises SLIC’s exemplary procurement management. • Key factors highlighted were SLIC’s strong governance framework, commitment to transparency, operational efficiency, and strict adherence to national procurement guidelines. • SLIC was selected from among 24 nominated organisations, reinforcing its standing as a benchmark institution in responsible corporate governance. • The largest State-Owned insurer continues to strengthen its processes through digitisation and accountability, ensuring alignment with national objectives and public trust.

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🏆 Rootcode Triumphs with 6 Wins at NBQSA 2025

• Global technology firm Rootcode, which operates from Sri Lanka, celebrated a remarkable night at the National ICT Awards (NBQSA) 2025, securing an impressive six awards for technical excellence and innovation. • The wins highlight the growing capabilities of the Sri Lankan ICT/BPM sector in developing high-quality, internationally competitive solutions. • Key Gold Winners & Highlights: • Clamigo by Rootcode (AI smart farming for Portugal) achieved Gold in the Agriculture in Industrial Category & was named the Best Product Presentation of the Year. • Urbanora by Rootcode (AI citizen engagement for Prague) won Gold in the Citizen Services in Public Sector Category. • Other Awards: • Skapp (Unified business-operations platform) secured a Silver in the ICT Services Solutions category. • Neuragrid by Rootcode (AI energy grid optimisation) brought home two awards: Silver (R&D Projects) and Bronze (Resources, Energy & Utilities). • Rootcode's success spanned industries from agriculture to public services and energy management, reinforcing its role in delivering impactful digital solutions worldwide.

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⛳️ Anuradhapura Junior Golfers Shine at Prima Regional Championship

• Young talent from Anuradhapura displayed strong class at the recently concluded Prima Sunrise Bread Regional Golf Championship in Nuwara Eliya. • Adithya Weerasinghe (Ananda College/Anuradhapura) clinched the prestigious Boys’ Gold Division title. His progress is putting him on the path to earning world ranking points. • Lavidu Premarathna continued the regional success with an impressive victory in the Silver Division. • Vihara Herath secured the Girls’ Bronze segment title with a commanding performance. • Rising prospect Abhiman Abeywardhana triumphed in the Copper Division, signaling a promising future for junior golf in Sri Lanka.

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Brandix Apparel Wins Top HR Award 2025 🏆

• Brandix Apparel Ltd. was named the Overall Winner at the CIPM Great HR Awards 2025, securing the highest accolade among a wide range of public and private sector participants. • The recognition was for its comprehensive, future-focused approach to people management, which featured: - Strong leadership development initiatives. - Robust talent analytics. - Structured employee wellbeing programs. - Scalable learning and development opportunities. • Submissions were evaluated across 16 key HR paradigms, including talent development, HR digitisation, and performance management. • The Awards highlighted a national trend: Human Resource Management is evolving into a strategic, data-driven function crucial for organisational performance, resilience, and competitiveness in the country.

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📈 ISSO Restaurants Hits Forbes DGEMS 200 List, Global Expansion on the Menu!

• ISSO, the fast-growing, prawn-focused fast-casual dining chain from Sri Lanka (founded 2016), has been named to the exclusive Forbes DGEMS 200 List for 2025. • This recognition validates the company as a global disruptor, positioning it for next-generation international scale. • Core Innovation: Successfully transforming a luxury item—export-quality, sustainably sourced Sri Lankan prawns—into an affordable, scalable fast-casual concept. • Operational excellence leverages efficient, tech-enabled kitchens and a bespoke 'Ocean-to-Plate' supply chain for consistent premium quality. • CEO Apinash Sivagumaaran stated the listing is a powerful validation of Sri Lankan entrepreneurship on the world stage. • Global Target: The company is accelerating its ambitious strategy to open 100 outlets worldwide by 2030, proudly representing Sri Lankan cuisine and high-quality Sri Lankan prawns globally.

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🥇 Browns SUMO WORLD Harvester Wins SLIM 'Global Brand of the Year' Gold

• Browns Agriculture was honoured with the prestigious Gold Award for “Global Brand of the Year” for its Browns SUMO WORLD Harvester at the SLIM Brand Excellence Awards 2025. • The Browns Harvester is the country's number one, commanding an impressive 73% share of the national market. The company has a century-long legacy in mechanising Sri Lanka's farming sector. • The Harvester is specifically designed for Sri Lankan paddy fields, engineered to endure local soil, terrain, and climatic challenges. It supports diverse crops, including core paddy, maize, and sugarcane. • A core strength is the strong service commitment, reinforced by Sri Lanka’s most extensive after-sales and spare-parts network. Technical teams travel directly to the farmer's doorstep to ensure minimum downtime, earning widespread trust in both urban and rural communities.

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Seylan Bank Crowned Best for Customer Experience 2025 by Euromoney 🥇

• Seylan Bank has been named Best Bank for Customer Experience 2025 by the prestigious global publication, Euromoney. • Landmark Achievement: This marks the first time a Sri Lankan bank has received this high-profile global accolade. • Core Strategy: The recognition affirms Seylan’s strategy of blending robust digital innovation with genuine personal care and empathy, making customer service its "core philosophy." • Market Confidence: The global award builds on previous local/international recognitions and follows a recent two-notch upgrade by Fitch Ratings, lifting Seylan Bank's National Long-Term Rating to 'A+(lka)' with a Stable Outlook.

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📈 LOLC General Insurance Ranks 4th Largest in SL General Market (3Q 2025)

• LOLC General Insurance PLC (LGI) has advanced to become the 4th largest general insurance provider in Sri Lanka by the end of 3Q 2025, climbing from 7th place in 2019. • The company recorded a robust 17% Gross Written Premium (GWP) growth, significantly outperforming the overall insurance industry's growth rate of 15%. • Market share increased from 8.89% to 9.06%, signaling consistent year-on-year expansion. • The crucial Motor Insurance segment, which contributes over 75% of LGI's GWP, grew by an impressive 23% and retained its position as the 3rd largest motor insurance provider nationally. • This strategic progress is driven by customer confidence, streamlined processes, strong reinsurance backing, and LGI's position as a member of the resilient LOLC Group.

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International Sports Update: 🏆 Thitikul Defends LPGA Title at CME Group Tour Championship

• World number one Jeeno Thitikul successfully defended her title at the season-ending CME Group Tour Championship, marking her seventh career LPGA win. • Thitikul fired a final-round 68, finishing on 26-under-par and securing a four-shot victory over fellow Thai Pajaree Anannarukarn. • Top Prize: The 22-year-old claimed the massive US$ 4 Million winner's prize. • Major Awards: Thitikul also swept the LPGA Player of the Year award and the Vare Trophy for season low-scoring average. • Historical Feat: She became only the second player to win back-to-back LPGA Tour Championship titles (matching Ko Jin-young). • Anannarukarn, the last qualifier, initially cut Thitikul's six-shot lead to two shots before the leader stabilized her performance on the back nine of the US$ 11 Million event.

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LOLC Finance Dominates NBFI Sector, Ranks 14th Overall 🏆

• LOLC Finance PLC has been ranked No. 1 in the Non-Banking Financial Services (NBFI) sector by Brand Finance. • It secured the 14th position overall in the prestigious 'Top 100 Most Valuable Brands of Sri Lanka'. • The brand achieved a strong AA+ rating with a brand value of Rs. 11,528 Million (Rs. 11.53 Bn). • The firm showcases strong sector dominance, accounting for: • 20% of total NBFI industry assets. • 25% of industry liabilities. • 36% of total industry profitability. • LOLC Finance is the market leader across multiple segments, including SME Finance, Personal Finance, Islamic Finance, Factoring, and Agricultural Product Financing. • Its digital platform, iPay, handles over 60% of e-wallet transactions, giving the company the largest digital footprint in the local digital banking space. 📈

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CBSL Governor Dr. Weerasinghe to Grace Great HR Awards 2025 🏆

• Central Bank of Sri Lanka (CBSL) Governor Dr. P. Nandalal Weerasinghe will be the Chief Guest at the CIPM Great HR Awards 2025. • His participation underscores the national importance of progressive HR practices in enhancing productivity, resilience, and competitiveness, reinforcing that great HR drives great economies. • Dr. Weerasinghe brings unmatched stature, having led CBSL for nearly 30 years, shaping policy and guiding Sri Lanka through transformative economic periods. • He is internationally acclaimed as an ‘A’-grade Central Bank Governor (2024 & 2025) and was honoured as “Sri Lankan of the Year 2024” by LMD. • The awards, presented in collaboration with Mercer, will be held on 25 November at Cinnamon Life, drawing CEOs and senior business leaders.

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Industry & Sector News

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🛡️ Dialog Enterprise Principal Sponsor for National Cyber Security Conference 2025 💻

• Dialog Enterprise (Dialog Axiata's corporate solutions arm) served as the Principal Sponsor for the Sri Lanka CERT|CC Cyber Security Conference 2025. • The conference is the nation's premier platform for strengthening cybersecurity awareness and resilience among enterprises and communities. • As a leading ICT solutions provider, Dialog Enterprise is committed to empowering enterprises with secure, end-to-end solutions spanning connectivity, cloud, and cybersecurity. • The collaboration with Sri Lanka CERT|CC reinforces a shared mission to enhance the nation’s cybersecurity readiness, build a culture of awareness, and protect data and operations across government, corporate, and SME sectors. • This partnership is considered essential for strengthening public-private cooperation and ensuring a safer, more resilient digital Sri Lanka.

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Sysco LABS positions SL as Global Innovation Hub 🚀

• Sysco LABS successfully hosted "TECHFUSION 25" in Colombo, the inaugural globally aligned event by Sysco Technology’s Global Software Community of Practice (CoP). • The summit brought together 350+ technologists and 50 presenters, delivering over 2,500 collective learning hours focused on cutting-edge topics like AI-driven development, agentic architectures, and intelligent platforms. • This landmark event reinforces Sri Lanka's growing role in Sysco’s global innovation engine. • It positions Sysco LABS as Sysco’s benchmarked Global Innovation Center (GIC), highlighting the strategic importance and high standards of the country's ICT/BPM sector for enterprise-wide innovation.

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📈 Sri Lanka to be APAC's Fastest-Growing Electric 3-Wheeler Market

• The global electric 3-wheeler market is projected to grow from US$ 2.68 Bn in 2025 to US$ 3.85 Bn by 2032, registering a CAGR of 5.3%. • Asia Pacific is expected to be the largest market, with Sri Lanka specifically forecast as the fastest-growing country in the region. • Sri Lanka's high growth is driven by the increasing demand for green technology vehicles and the overall growth in sales of alternative fuel vehicles. Local manufacturers include SL Mobility and Ideal Motors. • The key market driver is the lower operational cost (e.g., in India, electric models cost approximately INR 1.28/km vs. INR 3.21/km for petrol). • Technological trends favour the mid motors segment (expected to hold over 93% market share) and the 5–8 kWh battery segment, which provides sufficient range (~80–90 km) for typical urban commercial use.

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Sales: The Timeless Engine & Future Leadership Accelerator 🚀

• Sales is asserted as the most influential profession, historically and for the next 100 years, acting as the fundamental engine driving human advancement [Author: Chathura Kotagama, SL Business Strategist]. • The core value of sales lies in human connection and emotion. While AI can automate tasks and provide information, it cannot understand hope, fear, desire, or read unspoken words, making the human element irreplaceable for transformation and building trust. • Sales is shifting from an underrated job to a leadership accelerator. Most top global founders, CEOs, and entrepreneurs succeeded by selling visions and ideas to investors, teams, and nations. • The skill is universal: Every parent, teacher, and leader is selling a value, knowledge, or direction. In an automated world, the ability to convince someone to believe, not just to buy, will be the priceless skill.

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📉 Tourism Earnings Undershoot Despite Strong Arrivals

• The Sri Lanka Tourism Development Authority (SLTDA) has sharply revised the estimated daily visitor spending downwards from $171 to $148, based on a new survey, correcting an outdated 2018 calculation. • The Central Bank of Sri Lanka (CBSL) confirmed this revision explains the persistent gap between rising tourist arrivals and subdued tourism earnings, predicting 2025 earnings will be closer to last year's level ($3.17 Bn in 2024). • Immediate Impact: Official data shows a clear disconnect (YoY): • October: Revenue +0.3% vs. Arrivals +21.5%. • August: Revenue -8.2% vs. Arrivals +20.4%. • Analyst estimates (First Capital) project 2025 earnings around $3.3 Bn, well below the 2018 peak of $4.4 Bn, making the SLTDA's $5 Bn target highly unlikely. • Underlying Trend: The market is shifting towards shorter stays and lower-spending segments, largely driven by regional travellers (India, China). • While Asian markets provide the majority of arrivals volume, European markets (Russia, Germany) contribute more meaningfully to overall tourism value due to longer average stays.

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📈 SL Tourism Eyes Value Over Volume: Chairman Urges Pivot

SLTDA Chairman Buddhika Hewawasam urged the industry to pivot toward higher-value tourism, stating that while the country has already crossed 2 million tourists for 2025, yield per visitor remains low. • Value Gap: The average tourist spend is around $\sim$US$ 300 per day, which is significantly lower than competing destinations like Malaysia and Indonesia. The focus must shift to attracting travellers with higher spending power. • Arrivals Target: To sustain industry profitability, the country needs a consistent minimum of 180,000–200,000 arrivals per month. • Key Challenges: Infrastructure strains and seasonality (5 strong months/7 weak months) are major concerns, with potential airline cancellations (around 45 weekly) due to unresolved bottlenecks. • Action Points: • Accommodation Imbalance: Addressing the severe room shortage in key regions (outside Colombo's >11,000 rooms); 3,000 acres released for new investment. • Experience Economy: Building year-round appeal with more entertainment, nightlife, and curated events to attract long-stay, high-spend travellers. • Nation Branding: Urgent need for a unified global brand-positioning campaign, with a dedicated World Bank-supported unit being established. • Improve domestic aviation for better regional dispersal.

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Apparel Exports Maintain 6.1% Momentum 📈 (Jan-Oct 2025)

The Joint Apparel Association Forum (JAAF) reports that exports of apparel & made-up articles held steady, recording a 6.12% Year-on-Year (YoY) increase for the January-October 2025 period. • Overall Performance: • Cumulative Jan-Oct 2025 YoY: +6.12% • October 2025 YoY: Marginal decline of -0.05%, signalling uneven global demand. • Jan-Oct Market Breakdown (YoY Growth): • EU: Strong +14.05% increase. • Other Markets: +8.31%. • US: +1.37%. • UK: +0.98%. • October 2025 Volatility: • EU remained the key driver, accelerating to +12.53% growth. • Shipments to the US fell by -1.92% and the UK by -11.99%, though this was an improvement compared to September's steeper declines. • Exports to Other Markets saw a sharp reversal, contracting by -9.84%, highlighting volatility outside traditional bases. Sustained demand from the EU and cumulative growth reflect the sector's resilience amidst challenging global conditions, according to JAAF.

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⛈️ Cyclone Senyar Alerts: Transport Disruption & School Closures

• Sri Lanka braces for unsettled conditions as Cyclone Senyar, forming over the SW Bay of Bengal, is expected to intensify into a depression within 24 hours. • Showers and strong winds are forecast for the Eastern, Northern, and North Central Provinces, with rough seas impacting the Eastern and Southeastern coasts. • Major Road Closure: The critical Colombo-Kandy main road remains CLOSED at Pahala Kadugannawa due to continued risk of rock and earth collapses, following assessment by the NBRO. Motorists are advised to use alternate routes. • All Upcountry Train Services (Colombo Fort to Badulla) will temporarily terminate at Nanuoya until further notice due to prevailing adverse weather conditions. • Eastern Province authorities have ordered the closure of all Muslim schools in the province from today until conditions improve.

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Bairaha Chicken Commits to Chemical-Free Superior Quality & Longer Shelf Life 🐓

• Bairaha Farms PLC reaffirms its dedication to providing the highest quality, antibiotic-free chicken, devoid of chemical additives, preservatives, or added hormones. • The company utilizes an advanced, non-chemical process, switching from conventional chlorine to Peracetic Acid (PAA) for antimicrobial washing. • PAA's Advantage: Offers superior efficacy, breaks down into non-toxic residues (acetic acid, water, oxygen), and prevents the formation of harmful chlorinated by-products like trihalomethanes. • This method is recognized by international bodies (USDA, FDA) and aligns with markets like the EU that restrict chlorine use. • Bairaha maintains high standards with ISO 22000, HACCP, and GMP certifications, reinforcing its position as a leader committed to food safety and purity in Sri Lanka.

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MBFW Colombo: 'The Colombo Edit' Wraps Up 🧵

• The Mercedes-Benz Fashion Week (MBFW), presented by the Academy of Design (AOD) and powered by DIMO, concluded its final showcase, 'The Colombo Edit', on Sunday at Cinnamon Life. • Day 5 featured eight local fashion brands and designers. • The showcase focused on redefining contemporary style through sustainable creativity and craftsmanship. • MBFW serves as a key platform for celebrating local heritage and elevating Sri Lanka's apparel & textiles sector for a global audience.

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📈 Northern Province Youth Tourism Initiative

The Sri Lanka Institute of Tourism and Hotel Management (SLITHM), in partnership with the Asian Development Bank (ADB), successfully concluded a series of youth tourism awareness programs in the Northern Province (Jaffna, Kilinochchi, Mannar). • The initiative aims to raise awareness, strengthen employability, and support the long-term development of Northern Province tourism as a competitive destination. • Over 220 applications were received, with 80 youth (aged 18-28) selected for two-day practical training in key hotel operations (e.g., front office, F&B, housekeeping). • A significant highlight was the strong participation and enthusiasm from young women, who gained confidence after engaging with successful female hospitality professionals. • A panel discussion focused on building a new tourism identity, stressing the need to leverage the North's culture, cuisine, and untouched environment as unique selling points (USP). • ADB affirmed that tourism will be increasingly integrated into its future mainstream funding portfolio, while SLITHM plans to expand education and training in the North. • Panelists underscored the need for a collaborative public-private approach, with a suggestion to establish a special chamber to guide future tourism strategy in the region.

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📈 Fashion & Design Showcase: 18 Designers at MBFW Sri Lanka

• The Mercedes-Benz Fashion Week (MBFW) Sri Lanka, presented by the Academy of Design (AOD) and powered by DIMO, concluded its "Destination Island Runaway" event. • The showcase was held on Saturday at Cinnamon Life, City of Dreams. • The event featured the creative work of 18 emerging designers, highlighting the nation's design talent. • Such platforms are vital for strengthening the innovation and talent pipeline within the Apparel & Textiles sector.

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Appointments & Executive Moves

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🏦 SDB bank Appoints Aruna Jayasekera as New CHRO

• SDB bank has announced the appointment of seasoned professional Aruna Jayasekera as its new Chief Human Resources Officer (CHRO). • This strategic move aims to accelerate the bank’s transformation journey, elevate organisational standards, and strengthen its people agenda and Employee Value Proposition (EVP). • Jayasekera brings multi-sector experience from key roles across legal, marketing, manufacturing, banking (Group CHRO at Sampath Bank), telecommunications (Chief People Officer at Sri Lanka Telecom), pharmaceuticals, and agriculture (Group Head of HR at CIC Holdings PLC). • He is an Attorney-at-Law and a Fellow Member of CIPM. Notably, he was the youngest recipient of the prestigious HR Gold Medal – Most Outstanding HR Professional of the Year 2007. • His focus at SDB bank will be on developing a strategic HR roadmap, driving performance transformation, strengthening culture, and fostering a future-ready leadership pipeline. • Beyond corporate life, he is a former international rugby referee and currently serves as a Judicial Officer for World Rugby.

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Banking Veteran Chandana Dissanayake Joins SDB Board 🏦

Sanasa Development Bank PLC (SDB) has appointed Chandana Dissanayake as an Independent Non-Executive Director. • Dissanayake brings over 40 years of experience in the Banking and Non-Banking Financial Sector (NBFS). • His core expertise covers Corporate, Commercial, and Retail Lending, alongside Credit Risk Management in Sri Lanka, UAE, and Oman. • He held senior roles including Vice President/Associate Director at National Bank of Abu Dhabi and Credit Manager at HSBC Bank Middle East. • Locally, he served as Head of Credit at Union Bank of Colombo and was an Executive Director at Assetline Leasing Company Ltd. (2017-2020), where he developed their non-automotive business. • He is an Associate Member of the Chartered Institute of Bankers UK.

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📈 ICT Leadership: KBSL Appoints New Chief Sales Officer (CSO)

• KBSL Information Technologies, a long-standing systems integrator, has appointed Pramukh Jayawardena as its new Chief Sales Officer (CSO) to steer its next phase of growth. • The appointment reflects a strategy to strengthen leadership for expansion focused on technology excellence, customer value, and deepening expertise in cloud platforms and digital transformation. • Jayawardena brings over 16 years of experience from leading tech firms including WSO2 (where he led SAARC sales), Millennium IT ESP, and Dialog Enterprise, known for building high-performing teams. • His strategic roadmap for KBSL emphasizes transforming sales into a consultative partnership, aligning technology (like AI, automation, and cloud-native platforms) with measurable customer business outcomes. • As a leading force in Sri Lanka’s ICT/BPM landscape, KBSL is positioned to further power enterprise resilience and national infrastructure advancement through integrated technology services.

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📈 Gayani de Alwis Secures Second Term as WCIC Chairperson

• The Women’s Chamber of Industry and Commerce (WCIC) held its 40th Annual General Meeting (AGM), confirming Gayani de Alwis for her second term as Chairperson (2025/2026). • WCIC Vision: De Alwis committed to reinforcing the WCIC as the 'think tank' voice and 'platform' empowering women entrepreneurs to be powerful nation builders, actively participating in transforming economic growth. • Key Initiatives: The National Chamber for Women in Business championed three flagship properties in the past year: WCIC Prathibhabisheka: Recognising outstanding women entrepreneurs nationally and across the SAARC region. WCIC Women Leadership Forum: Deliberating on pertinent topics for women in business. WCIC RampUp: Providing a platform for fashion entrepreneurs to showcase products and become export ready. • Economic Insight: Chief Guest Mano Sekaram (99x Founder) emphasised that SMEs are essential for creating job opportunities, and encouraged more Start-ups as market disruptors to further grow the country’s economy. • A new Board of Management for the 2025/2026 period was also appointed at the AGM.

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OPA Centre Management Committee 2025/2026 holds Inaugural Meeting 🤝

The Centre Management Committee of the Organisation of Professional Associations (OPA) held its first meeting following the election of office bearers for the 2025/2026 term. • The OPA remains the apex body for 52 professional associations, representing 34 professions and over 60,000 members nationally. • Key Office Bearers for 2025/2026: • President: Jayantha Gallehewa • President-Elect: Tisara De Silva • General Secretary: Eng. Ravi Rupasinghe • Treasurer: Dharshana Wijemanne • Strategic Focus: The new Committee will concentrate on strengthening the voice and influence of professionals in national development, while also promoting continuous learning, leadership excellence, and professional growth.

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Lanka Hospitals Board Appoints Top Obstetrician & Gynaecologist 🩺

• Lanka Hospitals Corporation PLC has appointed Dr. U.D.P. Ratnasiri to its Board as an Independent Non-Executive Director. • Dr. Ratnasiri is a distinguished Consultant Obstetrician and Gynaecologist with over 32 years of experience in high-volume tertiary hospitals in Sri Lanka and the UK. • His appointment strengthens the hospital's expertise in healthcare, highlighting his clinical excellence in managing complex obstetric conditions and pioneering surgical interventions. • Dr. Ratnasiri has significant international recognition, having served as past Chairperson of the RCOG International Representative Committee and holding advisory roles in major regional obstetrics and gynaecology federations.

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📈 DIMO Board Gains Veteran Apparel Leader

• Diesel & Motor Engineering PLC (DIMO) has appointed Natasha Boralessa as an Independent Non-Executive Director, effective 1 December 2025. • Boralessa brings over 25 years of senior leadership experience, primarily within the apparel manufacturing sector. • Most recently, she served as a Director at Brandix Apparel Ltd., overseeing ESG, governance, legal, and risk management functions across operations in Sri Lanka, India, and Bangladesh. • She currently also serves as an Independent Non-Executive Director on the Boards of BPPL Holdings PLC and Ceylinco Life Insurance Ltd. • She is a member of the Chartered Institute of Management Accountants (UK) and holds the CGMA designation.

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📈 Apparel Veteran Dinesh de Silva Joins PMF Finance Board

• PMF Finance has appointed Dinesh de Silva as an Independent Non-Executive Director, leveraging his 30+ years of distinguished leadership experience in transforming large enterprises. • De Silva is a veteran of the apparel & textiles sector, having held multiple senior executive and board-level positions within MAS Holdings. • Key roles include Group Director of Lean Enterprise and CEO of Bodyline Ltd. & Intimate Fashions India Ltd., where he managed over 11,500 employees and an annual turnover exceeding US$ 200 Million. • Under his leadership as CEO, the organization diversified its portfolio to global brands (Victoria’s Secret, Nike, lululemon), generating over US$ 80 Million in new revenue within four years and improving efficiency by 20%. • He also serves as a Director at MAS Holdings and a Board member of MAS Legato Ltd., the BPO arm of the conglomerate. • His expertise spans strategy, finance, operations, innovation, and governance, adding significant strategic depth to PMF's Board.

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SLT Board Appointments: Key Treasury & Global Telecom Expertise Added 🤝

• Sri Lanka Telecom PLC (SLT) announced two new appointments to its Board of Directors. • A.N. Hapugala is appointed Non-Independent Non-Executive Director. He currently serves as the Deputy Secretary to the Treasury and brings over three decades of public sector experience, including 20 years at the Treasury. • Raghvendra Madhav joins as an Independent Non-Executive Director. He brings deep international expertise from management consulting (PwC) and senior executive roles in the telecom and media sectors (e.g., Director South Asia and CEO of AOL). • Hapugala holds qualifications including a Master’s degree in Financial Economics and is a Chartered Public Finance Accountant (CPFA), while Madhav is a Chartered Accountant and a Harvard Advanced Management Program graduate.

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Warren Buffett Retiring as Berkshire CEO After 60+ Years 📈

• Value investing icon Warren Buffett (95) will step down as CEO of Berkshire Hathaway on 31 December 2025, ending a leadership tenure spanning more than 60 years. • Vice-Chairman Greg Abel is set to assume the CEO role on 1 January 2026. Buffett will stay on as the company's Board Chairman. • Buffett built the company into a US conglomerate now valued at approximately US$ 880 Bn, with major holdings in insurance, rail, utilities, energy, retail, and manufacturing. • Berkshire Hathaway holds a massive corporate cash reserve of roughly US$ 382 Bn, the largest corporate cash position in the US. • Apple Inc. remains the company’s biggest equity holding despite recent reductions. • The "Oracle of Omaha's" lifetime charitable giving has surpassed US$ 60 Bn.

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🌴 Plantation Sector News: New Leadership at Namunukula

• Saman Doranegama has been appointed the new Chief Executive Officer (CEO) of Namunukula Plantations PLC. • He brings over 30 years of extensive experience in the plantation industry and estate management, starting his career in 1986. • Dual Role: Doranegama will take on the Namunukula role as Acting CEO in addition to his current position as CEO of Kegalle Plantations PLC. • His experience includes serving as Group Manager, General Manager, and Director of Operations at various estates, showcasing deep sector knowledge.

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UB Finance PLC Appoints Veteran Sabry Ghouse as New Chairman 🏦

• UB Finance PLC has announced the appointment of veteran banker Sabry Ghouse as Chairman of the Board of Directors, effective 6 November. • Ghouse has served on the UB Finance Board as Senior Director since November 2021. • He brings over 30 years of extensive experience in Retail Banking and SME, operations, and strategy from leading international banks across Sri Lanka, the Middle East, and ASEAN. • Notably, he was recognized for his impactful work in enhancing Malaysia’s SME sector and played a critical role in setting up the SME unit and Retail Banking for Al Rajhi Bank Malaysia. • His local experience includes serving as a former Deputy Chairman of Union Bank of Colombo PLC and a former Director of the Credit Information Bureau (CRIB). He was also recently appointed as an Independent, Non-Executive Director at People’s Bank.

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Market News

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📈 Global Gold Reserves Soar to US$ 4.83 Trillion Amid Central Bank Buying

• The combined value of global gold reserves reached approximately US$ 4.83 t as of November 19, 2025, reflecting renewed central bank interest in the precious metal as a safe haven. • This represents a significant 44.66% increase in reserve value since December 2024, when gold traded at $2,609.10 per ounce. • Top Accumulators (2025 YTD): • Poland is the largest buyer YTD, adding 67.1 tons to its reserves (Value surged 66.57% vs 2024). • Kazakhstan is the second-largest accumulator, with net purchases of approximately 40.4 tons. • China continued its steady accumulation, adding 1.2 tons in September and 0.9 tons in October, bringing its total net acquisitions for 2025 to ~35.5 tons. • The United States maintains the world's largest reserve at 8,133 tons (valued at US$ 1.08 t), while China holds the sixth-largest total reserve (2,303.5 tons). • Outlook: Central bank buying is expected to sustain elevated gold prices into 2026, driven by currency diversification strategies and responses to evolving US monetary policy.

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📈 Primary Bond Auctions Surprise with Lower Yields!

• Yesterday's Treasury Bond auctions produced remarkable outcomes, registering weighted averages below the prevailing secondary market yields. • The 01.03.2030 maturity closed at a weighted average of 9.53% (vs. 9.60%-9.64% previous close). • The 01.06.2033 maturity recorded 10.39% (vs. 10.45%-10.50% previous close). • Secondary Bond market activity moderated post-auction. • Total secondary market T-Bond/Bill transacted volume for Nov 26 was Rs. 28.60 Bn. • Money market recorded a net liquidity surplus of Rs. 92.26 Bn. • Rs. 109.99 Bn was deposited at the SDFR (7.25%), while Rs. 17.73 Bn was withdrawn from the SLFR (8.25%). • Overnight Call/Repo weighted average rates stood at 7.94% and 7.96% respectively. • In the Forex market, the Rupee remained broadly steady. • USD/LKR spot contracts closed at Rs. 308.05/308.15. • Total USD/LKR traded volume for Nov 26 was US$ 107.20 Mn.

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📉 Colombo Stock Market: One-Month Low Amid Near Five-Month Low Turnover

• The Colombo Stock Exchange (CSE) indices fell sharply on weak investor interest, with the ASPI closing at its second lowest point since 28 October. • ASPI: Down 0.80% (-182.14 pts) to 22,662.09. • S&P SL20: Down 0.68% (-42.85 pts). Market Activity & Finance: • Turnover hit a near five-month low (lowest since 7 July 2025) at just over Rs. 2.34 Billion. • Turnover was 57.5% below the monthly average. • Foreign investors were net sellers, recording an outflow of Rs. 103.46 Million. Sector & Stock Contributions: • Negative market contribution was primarily driven by major Banking counters (SAMP, COMB, HNB). • Capital Goods was the top contributor to turnover at 31%, led by Hemas Holdings and AccessEngineering, with the sector index falling 0.81%. • Diversified Financials and Banking sectors collectively contributed 26% to the day's turnover. • High Net Worth and Institutional interest was noted in Hemas Holdings, Diesel & Motor Engineering, and LOLC Holdings.

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CSE Indices Continue Upward Trend for Second Straight Session 📈

• The Colombo Stock Exchange closed in the green for the second straight session, with retail and HNW investors showing moderate sentiment after the Monetary Policy Review maintained policy rates. • ASPI gained 0.11% (24.32 points) to 22,844.23. • The active S&P SL20 was up 0.20% (12.55 points) to 6,311.30. • Market Turnover was over Rs. 3.4 million on nearly 157.31 million shares traded, which is 38% below the monthly average of Rs. 5.6 Billion. • Foreign Investors were net sellers with a net outflow of Rs. 124.56 million. • Sector Focus: The Capital Goods sector accounted for 27% of turnover, while Materials and Banking contributed a combined 29%. • Notably, investors showed heightened interest in counters within the Hotel sector throughout the session. • Key market movers included HNB, DOCK, DIMO, AEL, and PKME.

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📈 CBSL Holds Policy Rate Steady at 7.75%; T-Bill Rates Anchor for 19 Weeks

• Monetary Policy Review (6th/2025): Central Bank held the Overnight Policy Rate (OPR) unchanged at 7.75% for the third consecutive time. SDFR and SLFR remain at 7.25% and 8.25%, respectively, aimed at steering inflation toward the 5% target. • Treasury Bill Auction: Weighted Average Rates (WAYRs) were unchanged across all tenors for the 19th straight week: 91-day at 7.52%, 182-day at 7.91%, and 364-day at 8.03%. • The auction was undersubscribed for the 4th consecutive time, raising only Rs. 55.637 Bn (64.32% of Rs. 86.50 Bn offered). • Economic Context: • Private sector credit shows a "notable and broad-based expansion." • Rising imports widened the trade deficit, but strong inflows from tourism and workers' remittances cushioned the external current account. • Gross Official Reserves maintained above US$ 6 Bn thus far in 2025. • Market & Forex: • Secondary Bond market yields edged up following the policy announcement, mainly on the short end of the curve. • The Rupee marginally depreciated: USD/LKR (Spot) closed at 308.00/308.10.

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📈 CSE Rebounds After Three-Day Decline on HNW Buying

• The Colombo Stock Exchange (CSE) ended its three-day losing streak, closing on the up yesterday driven primarily by bullish high net worth investor participation. • Overall Market: The ASPI rose by 0.77% (gaining 174.03 points) to close at 22,819.91, and the S&P SL20 gained 0.30% to 6,298.75. • Turnover & Activity: Market turnover was strong at over Rs. 4 Bn on nearly 110 million shares traded. • Foreign Activity: Foreign investors were net sellers, recording a net outflow of over Rs. 213.2 Mn. • Sector Drivers: The Banking sector dominated activity, accounting for 31% of total turnover, with the sector index gaining 0.60%. Capital Goods and Diversified Financials collectively contributed 33%. • Key Stocks: High net worth interest was noted in Hatton National Bank (HNB), John Keells Holdings (JKH), and DFCC Bank. HNB and DFCC Bank were the top drivers of the Banking sector turnover.

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SL Secondary Bond Mkt: Slow Start Ahead of Key Events 📉

• Bond Market Activity: Secondary bond market began the week slowly as participants adopted a "wait and see" stance ahead of the final Monetary Policy Announcement and back-to-back T-Bill/Bond Auctions. • Yields consolidated and traded sideways, though transaction volumes were healthy (Rs. 3.56 Bn on Nov 14) due to several block trades. • Key Yields: Maturities traded included: 01.06.26 (8.20%), 15.03.28 (9.02%), 01.07.30 (9.60%-9.61%), and 15.06.35 (10.69%-10.70%). • Money Market Liquidity: Net surplus recorded at Rs. 58.50 Bn. • Rs. 79.20 Bn was deposited at the Central Bank's SDFR (7.25%), while Rs. 20.70 Bn was withdrawn from the SLFR (8.25%). • Weighted Average Rates: Call money was registered at 7.94% and Repo at 7.96%. • Forex Market: USD/LKR spot contracts closed steady at Rs. 307.80/307.90, compared to the previous day's close. • Total USD/LKR traded volume on Nov 21 was $75.43 Mn.

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📉 CSE Slumps to Five-Week Low Amid Selling Pressure

• The Colombo Stock Market extended its slump into a third session, registering a sharp decline to close at a five-week low. • The ASPI dropped 1.47% (337.84 pts) to close at 22,644.88, while the active S&P SL20 lost 1.33%. • Total market turnover was over Rs. 4.95 billion on over 145.8 million shares traded. • Despite the broad market decline, foreign investors were net buyers, recording an inflow of over Rs. 83.2 million. • The market breadth was strongly negative, with 239 price decliners compared to only 28 gainers. • The Capital Goods sector was the top turnover contributor (accounting for 33%), led by Hemas Holdings and Colombo Dockyard, but its sector index lost 1.40%. • The Banking sector was the second-highest contributor and saw its index decrease by 1.62%. • Selling pressure dragged the index down, with counters like Hatton National Bank (HNB), National Development Bank (NDB), and John Keells Holdings (JKH) being the top negative contributors.

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📉 CSE Ends Week Below 23,000 Points Amid Weekly Decline

• Daily Market Close: The benchmark ASPI fell sharply by 0.53% (122.24 pts) to 22,982.72, closing below the 23,000 threshold for the first time in nearly two weeks. The S&P SL20 also declined by 0.28%. • Turnover & Foreign Activity: Total turnover was over Rs. 3.8 billion. Foreigners were net sellers, resulting in a net outflow of Rs. 163.8 million for the day. • Weekly Performance: Both indices recorded significant losses for the week: the ASPI was down 2.03% (477.03 pts), and the S&P SL20 lost 1.1%. The total net foreign outflow for the week was Rs. 461.8 million. • Sector/Stock Highlights: • The Food, Beverage and Tobacco sector was the top turnover contributor, primarily due to Hatton Plantations and Renuka Agri Foods, though the sector index lost 0.92%. • Price losses were noted in counters like Hatton National Bank, Bukit Darah, and Ambeon Holdings. • High net worth interest was seen in Hatton Plantations, Dialog Axiata, and People’s Leasing and Finance.

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🚨 CSE Market Snapshot (21/11/2025): Data Unavailable

• No market summary can be provided as the content of the "CSE PRICE LIST-21/11/2025" is empty. • Key indicators (e.g., ASPI/S&P SL20 movements, Total Turnover, or cross-sector performance) cannot be reported. • Provisional data on banking, tourism, or manufacturing sector activity is currently missing.

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CSE Valuations Hit New High, But 2026 Growth Expected to Moderate 📉

• The Colombo Stock Exchange (CSE) market PE is now trading significantly above its 18-year historical average (12.0x), marking a rare valuation premium (FCR). • YTD 2025 Market Performance: • ASPI gained nearly 45%. • S&P SL20 was up 31.3%. • Market Capitalisation increased 45.3% to nearly Rs. 8.28 t. • 2025 Key Drivers & Earnings: • Strong economic performance, lower lending rates, and faster construction growth pushed valuations higher. • GDP growth is estimated at ~5%. • Corporate earnings are estimated to have risen by 25%. • 2026 Outlook & Pressures: • Growth is expected to moderate as a weaker rupee raises import costs and consumption slows. • Projected GDP growth: Easing to 3–4% (from ~5% in 2025). • Corporate earnings growth: Expected to normalise to about 17%. • Sectors like construction, tourism, and diversified exporters remain well-positioned despite the softer outlook.

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📈 Bond Market Consolidates Amid Positive Restructuring & Tax News

• Secondary Bond Market: Yields consolidated for the third consecutive session within a narrow band. Concentrated demand caused rates on selected tenors, notably the 01.07.30 maturity (trading 9.62%-9.58%), to dip lower. • Key Activity: Total Treasury Bond/Bill transacted volume for the day was Rs. 19.97 Billion, reflecting healthy market activity. • Key Maturities: Noted trades include 01.06.26 at 8.15%, 15.10.27 at 8.50%, the 2028 tenors around 9.01%-9.08%, and 15.12.32 at 10.25%. • Market Boosters: Sentiment was supported by two factors: SriLankan Airlines reached an agreement in principle on the financial parameters for its bond restructuring. The Inland Revenue Department recorded its highest-ever tax revenue collection for the year 2025. • Money Market: Net Liquidity Surplus stood at Rs. 102.60 Bn (SDFR deposits: Rs. 104.44 Bn). Overnight call money/Repo rates were 7.93% and 7.96% respectively. • Forex: The USD/LKR spot contract closed marginally stronger for the LKR at Rs. 308.10/308.30. Total traded volume was US$ 122.95 Mn.

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Sustainability, ESG & Corporate Responsibility

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MAS Holdings Champions D&I as UN Global Compact Patron 🤝

• Apparel & Textiles giant MAS Holdings has been invited to be the Patron of the Diversity and Inclusion (D&I) Working Group of the UN Global Compact Network Sri Lanka. This extends its influence to shape the national ecosystem for ethical and sustainable enterprises. • Workforce & Culture: With over 95,000 employees across 13 countries, 70% of the workforce are women. D&I is embedded in its business strategy and safeguarded by policies, with inclusion metrics integrated into management performance evaluations. • Women Empowerment: The flagship Women Go Beyond (WGB) program, launched in 2003, has generated over 5.5 million opportunities since inception. In 2024, more than 300,000 women benefited from training on career advancement, life skills, SRHR, and GBV awareness. • Inclusion Beyond Gender: The company has expanded its focus to support people of diverse sexual orientations, gender identities, and persons with disabilities. This is complemented by family-friendly policies, including childcare facilities at 36 global locations. • Industry Impact: MAS is actively sharing its D&I expertise, notably through a collaboration with the International Trade Centre’s GTEX Program, where it supports 9 SMEs in the textile sector on women’s empowerment and related awareness programs.

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🇱🇰 Teejay Lanka Leads Regional Sustainable Supply Chain Initiative 📈

Teejay Lanka PLC has been appointed Patron of the UN Global Compact Network Sri Lanka’s Sustainable Supply Chain and SMEs Working Group, highlighting its role in driving ethical and transparent practices within the apparel & textiles sector. • Climate & Decarbonisation: The company’s emission reduction targets have been validated by the Science Based Targets initiative (SBTi). The FY 2024/25 total GHG inventory was 676,666.38 t CO₂ eq. Scope 3 emissions represent approximately 85% of the total, underscoring the focus on value-chain accountability (Purchased Goods/Services and Processing of Sold Products). • Traceability & Digital: Teejay utilizes a multi-platform digital framework (TextileGenesis, Origin) for raw material traceability. It is developing a QR Traceability Project to align with future EU regulations like the Digital Product Passport (DPP) and CSRD. • Circularity & Waste: The company achieved a remarkable 64% overall waste-diversion rate in FY 2024/25 (38% recycled, 26% reused), supporting its Abhivarah 2030 'Waste to Wealth' vision. • ESG Performance: High operational standards were confirmed by exceptional average Higg FEM scores (Teejay Lanka 99%, Teejay India 97%, Teejay Prints 91%). The firm is also aligning its reporting with IFRS Sustainability Disclosure Standards (S1 and S2) from FY 2024/25. Teejay’s role involves building capacity for SMEs and suppliers to meet global sustainability benchmarks, acting as a crucial bridge between regional manufacturers and international buyers.

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🌧️ Under-15 Prima Super League Final Postponed

• The final encounter of the Under-15 Super League, sponsored by Ceylon Ageo Industries (Prima Group Sri Lanka), has been postponed. • Reason: Inclement weather conditions. • The match was originally scheduled to be played today (Nov 28) at Thurstan ground. • A new date for the final will be notified in due course. • Prima Group has been sponsoring this league for the 18th year in tandem.

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📈 CATALYZE 2025: SL Business Leaders Push Sustainable Growth & Action

• The UN Global Compact Network Sri Lanka, in partnership with UNFPA and The Ceylon Chamber of Commerce, convened CATALYZE 2025 to accelerate Sri Lanka's sustainability and responsible business agenda. • Economic & Finance Outlooks: • ADB's Principal Economics Officer analyzed "Global Headwinds, Fiscal Transitions, and the Unshaken Case for Sustainable Growth." • IFC's Principal Country Officer highlighted pathways for "Financing the Future" by mobilizing private capital for sustainable development. • Key Milestones: Launched the UNFPA SL–UN Global Compact Network SL In-Country Hub for Gender Equality & Women’s Empowerment and the Coalition for Reproductive Justice in Business. • Core Business Themes & Workshops: • Focus areas included masterclasses on Digital Supply Chain Transformation and practical integration of Human Rights into business operations. • Environmental action sessions covered Climate Action (NDC 3.0 implementation, industrial decarbonization), Ocean Stewardship, and integrated Water Stewardship. • A session on GS1 standards and Supply Chain Traceability demonstrated boosting market access through digital passports. • Discussions emphasized how advancing women's leadership and broader workplace Inclusion strengthen business resilience and productivity.

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🌊 SL & the 'Doomsday Glacier': Urgent Sea Level Rise Threat

• Global climate leadership lacks urgency, as the recent COP30 in Belém, Brazil, concluded with a "watered-down agreement," failing to include specific details on ending fossil fuels. • Sri Lanka is positioned as facing a critical threat, with the analogy of Colombo becoming a "Venice in the Indian Ocean" used to underscore the potential risk. • Key Global Threat: The Thwaite Glacier in West Antarctica—nicknamed the "Doomsday Glacier"—is melting rapidly, a process accelerated by rising temperatures and potentially a geological 'hot spot' of active volcanoes. • Immediate Impact: • The current global sea level rise is 4.4 mm annually. • The disappearance of the Thwaite Glacier is expected to contribute an additional 65 cm of global sea level rise, likely within a decade. • National Concerns: • The stability of reclaimed land like Colombo Port City is questioned under this rising sea level scenario. • Saltwater intrusion is already a serious issue, impacting water intakes in major rivers like the Kelani, Kalu, and Nilwala, necessitating the discussion of salinity barriers. • While the CEA's R&D division has preliminary findings, resource limitations hinder a comprehensive mapping of the impact on Sri Lanka’s coastline.

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DFCC Lists Sri Lanka's 1st Blue Bond on CSE 🌊

• National Milestone: DFCC Bank officially listed Sri Lanka's first ever Listed Blue Bond on the Colombo Stock Exchange (CSE), marking a significant step for the country's capital markets and the transition towards ocean-focused sustainable finance. • Key Figures: The Blue Bond is a LKR 3 Billion, senior, rated, unsecured, and redeemable instrument. • Structure & Rating: Structured under DFCC's Sustainable Bond Framework, it carries a rating of A(lka) from Fitch Ratings Lanka Limited. The issue aligns with ICMA Green Bond Principles and IFC Blue Finance Guidelines. • Tenures: Offers 3-, 4-, and 5-year tenures with both annual-coupon and zero-coupon structures. • Purpose: The initiative aims to support coastal resilience, clean water, marine restoration, and other essential areas of national importance, ushering in a new focus for sustainable finance in Sri Lanka. • Market Impact: The CSE CEO noted that the bond places the market on a "global stage." NDB Investment Bank served as Joint Manager and Placement Agent for the issue.

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📈 Cabinet OKs Rs. 24 Bn Norochcholai–Wariyapola Grid Upgrade; AIIB Financing Sought

Cabinet has authorized the CEB to proceed with the long-delayed Norochcholai–Wariyapola Transmission Development Project and initiate formal negotiations with the Asian Infrastructure Investment Bank (AIIB) for required financing. • Investment: The project is estimated to cost Rs. 24.06 Billion. • Key Impact: Designed to integrate over 750 MW of renewable energy (wind and solar) potential from the North Western Province into the national grid. • Rationale: Strengthens the main transmission backbone, addresses inadequate capacity causing network congestion, and prevents the curtailment of green power potential in one of Sri Lanka's most promising renewable energy zones (Puttalam/surrounding areas). • National Goal: The initiative is a top priority under the CEB’s Long-Term Transmission Plan and is crucial for supporting the national target of significantly expanding renewable energy generation by 2030.

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📈 Landmark 10 MW Solar Installation Bolsters SL's Renewable Energy Push

• Macksons Solar and Macktiles have commissioned Sri Lanka's largest rooftop solar project at the Macktiles factory complex in Bandaragama. • This landmark facility has a capacity of 10 MW (Megawatts), featuring over 18,000 high-efficiency solar panels. • Energy & Environmental Impact: The system is projected to generate approximately 12 GWh of clean energy annually, leading to a reduction of about 8,000 tonnes of carbon emissions per year. • The power generated directly services the manufacturing plant, minimizing its dependence on grid power while feeding surplus electricity back into the national energy network. • This achievement, designed and engineered by Macksons Solar's in-house team, reinforces Sri Lanka's transition towards clean energy and supports the national target of achieving 70% renewable energy by 2030.

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Singer Finance Launches ESG Roadmap 2030 🚀

• Strategic Move: Singer Finance (Lanka) PLC has unveiled its 'ESG Roadmap 2030 – Where Dreams Take Flight,' under the theme “Progress Through Purpose,” aiming to fully integrate Environmental, Social, and Governance priorities. • Core Goal: The company seeks to position itself as a benchmark for ethical and inclusive finance in Sri Lanka, driving responsible and future-ready growth through measurable targets and clear policies. • Key Focus Areas: Initiatives highlighted include green financing, energy-efficient operations, human capital development, community empowerment, and enhanced governance. • Alignment: The roadmap complements the Singer Group ESG framework, Hayleys Group targets, national sustainability actions, UN SDGs, GRI reporting standards, and the Central Bank of Sri Lanka’s Roadmap for Sustainable Finance. • Commitment: All initiatives will be tracked and reported annually until 2030, reinforcing transparency and accountability.

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VFS Global Partners Historic 1st Blind Women's T20 Cricket World Cup 2025 🏏

• VFS Global associated with the landmark 1st Women’s T20 World Cup – Cricket for the Blind 2025, celebrating talent and resilience. • The tournament was organised by the Cricket Association for the Blind in India (CABI) and notably co-hosted by India and Sri Lanka. • The event represents a pivotal step for women's sports and disability inclusion, bringing together six nations to champion equality and recognition for women with visual impairments. • VFS Global’s support aligns with its commitment to empowering women and fostering inclusive communities globally. • The company congratulated the champions (India) and all participating teams for their inspiring performances, which are seen as encouraging future generations. • CABI welcomed the partnership, aiming to build a long-term collaboration to drive meaningful opportunities and deeper visibility for blind women’s cricket.

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🤝 Pan Asia Bank Pushes Green Mobility with Deepal EV Leasing.

• Pan Asia Bank (PABC) has signed a strategic Memorandum of Understanding (MoU) with Prime EV Automobiles, the authorised representative for Deepal electric vehicles (EVs) in Sri Lanka. • The collaboration aims to accelerate EV adoption by promoting eco-friendly leasing solutions, including PABC’s 'EV Plus' product. • Prime EV customers can access exclusive, customised leasing packages and streamlined financing to make EV ownership more accessible and affordable. • This initiative supports Sri Lanka's green transition towards sustainable transport, reinforcing PABC's role as a pioneer in green lending and leasing.

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📈 World Bank Commits US$ 2.5 Bn for Asia-Pacific Energy Transition

• Overview: The World Bank has launched a US$ 2.5 billion Multiphase Programmatic Approach (MPA) to significantly scale up renewable energy and support power sector decarbonization across the East Asia and Pacific (EAP) region. • Context: The program aims to address the region's challenge of strong economic growth running parallel with high fossil fuel use, as EAP now accounts for over a third of global emissions. • Structure & Financing: The 10-year program, active until 2034, utilizes US$ 2.5 Bn (IDA/IBRD) to strengthen institutions, finance regional and national transmission infrastructure, and de-risk clean energy investments to mobilize private sector participation. • Key Targets (By 2034): • Enable 2.5 GW of renewable energy generation capacity. • Mobilize US$ 1.5 billion of private investment in clean energy. • Provide new or improved access to clean energy for 20 million people. • Result in a net reduction of 60 million tons of CO₂.

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Uncategorized

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⚠️ Summary Unavailable: No Data Provided ⚠️

• The content is an empty entry titled "Cartoon 28.11.2025." • No textual business, market, or economic data is available to summarize. • Please provide relevant statistics or news articles for a concise summary.

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SL Golfers at Malaysian Amateur Open 🏌️‍♂️

• Chanaka Perera finished 21st overall at the 121st Malaysian Amateur Open – Men’s Championship. • His total score was 223 (+10), achieved over rounds of 77, 75, and a strong final round of 71. • Chanaka's closing round of 71 was one of the standout Sri Lankan performances, showing composure in tough scoring conditions. • Fellow Sri Lankan, Kumar Danushan, recorded 155 (+13) over two rounds (74, 81) in the cut-off category. • The tournament segments featured more than 100 international golfers teeing off.

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No Economic/Market Data Available 🚫

• The provided news input is titled "Cartoon 25.11.2025" and is completely blank. • Consequently, there are no business, market, or economic figures, growth rates, or sector updates (e.g., tea, apparel & textiles, ICT/BPM) to summarize in this update.

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🏉 Wallabies' Historic Low: Winless European Tour Concludes

• Australia ended their European tour with a 48-33 defeat by France, completing a winless run for the first time in 67 years. • This was the Wallabies’ fourth consecutive loss of the autumn (following defeats to Italy, England, and Ireland). • The team has now suffered 10 Test losses in a calendar year, marking a historic low. • They conceded over 40 points for the second week in a row (after a 46-19 defeat to Ireland last Saturday). • Coach Joe Schmidt's win percentage now stands under 40%.

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Headline: ⚠️ Data Alert: Non-Economic Content Provided

• The provided news details a major sporting event: Scotland's 4-2 victory over Denmark to qualify for the FIFA World Cup finals. • No Sri Lankan business, market, or economic data (e.g., exports, sector growth, FDI figures) is present in the source text. • Therefore, a summary focusing on tea, apparel & textiles, or ICT/BPM cannot be generated based solely on this content.

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🏌️ Sri Lankan Golfers Shine at Faldo Junior Final

• Kaya Daluwatte is tied for the Top Position after Day 2 in the Girls’ Under-21 Division at the Nick Faldo Junior European Final. • Kaya recorded a brilliant two-day total of 135 (68, 67), finishing at five-under-par (-5), sharing the lead with Sweden’s Lova Jansson. • In the Boys’ 21 and Under Division, Reshan Algama continued his strong international form. • Algama posted a two-day total of 138 (70, 68), placing him inside the top five at two-under-par (-2). • Jevahn Sathasivam is currently placed 18th at seven-over-par (+7) overall. • The global showcase features over 90 junior golfers, with the final round scheduled for today.

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SL falls short by 7 runs in 1st ODI 🏏

Sri Lanka faces a must-win situation going into the second ODI against Pakistan in Rawalpindi tomorrow, after narrowly losing the first match by just 7 runs while chasing a target of 300. • Missed Opportunities: Crucial fielding errors plagued SL's bowling effort. They burnt both DRS reviews by the 11th over, which led to a costly missed LBW decision against Hussain Talat (on 0). Talat subsequently anchored a match-winning 138-run partnership, helping Pakistan post a challenging 299/5. • Batting Collapse: Despite a strong 85-run opening start by Pathum Nissanka and debutant Kamil Mishara, SL slumped quickly to 90-3 following a sensational spell by Haris Rauf. • Failed Finish: Despite being marginally ahead as late as the 47th over, SL failed to close out the game. Poor shot selection, notably an unnecessary slog by Captain Charith Asalanka, cost the team crucial momentum and wickets. • Individual Effort: Wanindu Hasaranga hit a vital half-century, keeping hopes alive until the final over, but ultimately the team's inability to seize control in key moments resulted in the narrow defeat.

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🎾 ATP Finals: Fritz Shines on Serve

• American Taylor Fritz (World No. 6) secured his first victory over Lorenzo Musetti in three years, defeating him 6-3, 6-4 to start his ATP Finals campaign in Turin. • Key Performance: Fritz, last year's runner-up, dropped a mere three points on serve in the entire second set. • Musetti, the ninth seed, was confirmed for the event only on Sunday and was unable to convert four early break opportunities against Fritz. • Race for World No. 1: Top seed Jannik Sinner must defend his title and hope for group stage losses from rival Carlos Alcaraz to retain the year-end No. 1 ranking. • Doubles: Britons Joe Salisbury & Neal Skupski began their campaign with a 6-3, 7-5 victory over Salvadoran Marcelo Arevalo and Croatia's Mate Pavic.

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📈 England Extends Winning Streak to Nine

• England defeated a physical Fiji side at Allianz Stadium in their second autumn international, extending their winning run to nine consecutive games. • England's bench delivered crucial second-half scores, with tries from replacements Jamie George, Henry Arundell, and captain Maro Itoje securing the win. • Key Scores: England's first-half try came from Luke Cowan-Dickie. Fiji responded with tries from Tevita Ikanivere and Caleb Muntz. • Next Challenge: England faces New Zealand this Saturday in what is anticipated to be their toughest test of the autumn.

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Headline: ⚠️ Data Mismatch: Not Economic News

• The provided text is a summary of a rugby match between England and Australia. • No Sri Lankan business, market, or economic data (e.g., trade figures, growth rates, sector performance) is present. • Therefore, a summary adhering to the specialization in Sri Lankan economic news cannot be generated.

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⚠️ Data Not Found: No Business/Economic Summary Possible

• The provided content is titled 'Cartoon 03.11.2025' and contains no verifiable economic, business, or market data. • A summary of Sri Lankan business, market, or economic news cannot be generated based on this input. • Please provide relevant news text or data for analysis.

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Politics & Government Impact

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📈 President AKD's 'Business as Usual' Birthday & Rise to Power

• President Anura Kumara Dissanayake (AKD) recently marked his 57th birthday (Nov 24) by observing it as a simple "business as usual" day, without publicity or fanfare, a notable contrast to past presidents. • His public persona is that of a simple, unassuming man, quickly acquiring the image of "a President like no other." His double-pocketed long-sleeve shirts are becoming a popular fad among youthful admirers. • AKD's journey highlights his humble beginnings: Born in Galewala, Matale, his family moved to Anuradhapura. He helped his mother sell sweetmeats and worked part-time as a ditch digger to augment family income. • He was the first from Thambuththegama Central College to gain admission to the Peradeniya University science faculty and later obtained a BSc from Kelaniya University. • Politically, he joined the JVP in 1987 and became the party's fifth leader in 2014. He spearheaded the Jathika Jana Balawegaya (NPP), which secured his victory in the 2024 Presidential election. • In the election, AKD was projected as a champion for change and the common man. He polled 5,634,915 votes (42.31%) on the first count and a winning 5,740,179 votes (55.89%) on the second count.

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🛣️ Govt Prioritizes Skilled RDA Engineers for Economic Growth

• President Anura Kumara Dissanayake met with Road Development Authority (RDA) engineers to affirm the government's recognition of their role in developing the expressway network and fostering national economic growth. • A key challenge highlighted was the departure of many RDA engineers from the country in recent years, which has hindered development project implementation. • Detailed discussion covered specific issues: long-delayed promotions (postponed for several years due to administrative complications) and salary disparities for RDA engineers. • The President instructed Ministry of Finance officials to identify and propose prompt, fair, and feasible measures to resolve these issues without compromising the country's economic stability.

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🐘 UNP Welcomes Sajith's Move to Broker UNP-SJB Unity

• The United National Party (UNP) has voiced full support for Opposition Leader Sajith Premadasa's decision to take the lead in initiating the merger between the UNP and the Samagi Jana Balawegaya (SJB). • The UNP expressed special gratitude for Premadasa's personal involvement in uniting the two political parties. • A new three-member committee has been appointed by the UNP to discuss future activities regarding the proposed UNP-SJB merger. • The committee members are: Deputy Leader Ruwan Wijewardene, General Secretary Attorney-at-Law Thalatha Athukorala, and National Organiser Sagala Ratnayake. • All future deliberations on the merger will be channeled exclusively through this newly appointed committee.

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🧵 Govt. Greenlights Compensation for Remaining Weaving Mill Employees

• The Cabinet of Ministers approved compensation for former employees affected by the closure of weaving mills in Thulhiriya and Pugoda. • Recipients: This latest decision covers 15 employees of Karbul Lanka Ltd., Thulhiriya, who had not previously been compensated, along with 169 former employees from both Thulhiriya and Pugoda who recently submitted appeals. • The measure ensures all affected employees receive compensation and statutory allowances, rectifying outstanding issues from the closure of the mills. • Context: This follows an earlier Cabinet approval on May 26, which compensated 1,656 employees of the same facilities, part of the National Weaving Corporation, which ceased operations around 1978 in the apparel & textiles sector.

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🚀 SL Digital Ambition: Sajith Targets $30 Bn Economy by 2030

Opposition Leader Sajith Premadasa unveiled a roadmap to transform Sri Lanka into a US$ 25–30 Bn digital economy by 2030, focusing on modernization and high-value job creation. • Key Targets & Exports: • Aims to boost ICT/BPM exports dramatically from $ 1.8 Bn to $ 10 Bn by 2030. • Proposed a national start-up fund and promoting tech visas for global experts. • Infrastructure & Access: • Calls for urgent telecommunications upgrades, including nationwide 5G expansion and incentivising fibre connectivity. • Plan includes partnering with global cloud providers and establishing tech investment zones across all 25 districts. • Governance & Public Service: • Envisions a fully digitalised public service, including a national digital identity and digital signatures. • Strives for 100% online access to all government services (e.g., licences, permits). • Highlights digital payment adoption and interoperable QR systems to build a cashless economy and curb corruption. • Sector Focus: • Proposed promoting ventures in AI, fintech, agri-tech, and health-tech. • Underscored the need to digitalise traditional sectors like agriculture, tourism, and fisheries.

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NPP Vows 5-Year Economic Transformation & Stability 📈

JVP General Secretary Tilvin Silva, speaking to the Sri Lankan community in London, assured firm commitment to delivering deep social and economic transformation during the NPP-led Government's five-year mandate. • Economic Outlook: Silva dismissed concerns of the country slipping back into crisis or economic pitfall, insisting the administration was formed for long-term structural change. • Stabilisation Measures: • Stated that economic stabilisation measures were globally acknowledged. • Claimed the Govt. stabilised the economy by removing public barriers, reopening the economy, and allowing imports. • Maintained that the country continues to hold healthy reserves and economic stability even after reintroducing imports. • Governance & Mandate: • Declared that fraud and corruption have been curbed at the top level of governance. • Asserted that the NPP's rise was due to a major shift in public political consciousness, securing the mandate for five years. • Criticised the Opposition's lack of moral and systemic credibility to challenge the administration.

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🚨 SriLankan Airlines: Rs. 600 Billion Loss Demands Privatisation & Governance Overhaul

• Accumulated Cost: The national carrier’s losses have exceeded Rs. 600 Billion (approx. US$ 1.5–2 Bn), deemed a "national cost" and a "governance failure of historic scale," not an aviation failure. • The Root Cause: Decline stemmed from the State taking control after the successful Emirates partnership (1998–2008), which protected the airline from political interference. Subsequent political meddling shaped decisions on routes, staffing (at times, double global benchmark), and procurement. • Key Recommendation: The only viable future requires majority private ownership and commercial autonomy. Debt restructuring without governance reform is considered meaningless. • Tourism & Connectivity: The "national carrier" argument is outdated. SriLankan carries less than 25% of arrivals, with foreign carriers handling over 75%. Connectivity will not collapse if the airline downsizes; tourism success relies on fundamental factors like marketing, stability, and consistent visa policies. • Future Structure: Must be a lean, regionally focused carrier (S. India, Gulf, SE Asia, China) defined by commercial logic. Profitable ground handling and catering units must be kept separate and commercially managed, away from political influence.

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New Incentives to Boost Sri Lankan Enterprise Productivity by 30% 📈

• The Ministry of Industry & Entrepreneurship Development, via Deputy Minister Chathuranga Abeysinghe, announced an upcoming incentive scheme for high-productivity enterprises. • Productivity Target: Businesses must develop plans to achieve a minimum 30% increase in productivity to contribute to the country's "industrial renaissance." • Incentives & Focus: Priority will be given for services such as low-interest loan concessions and land grants. This support specifically targets entrepreneurs with a vision for the international market. • NPS Role: The National Productivity Secretariat (NPS) currently provides free knowledge and consultancy on productivity concepts to local institutions, saving firms costs typically amounting to US$ 2,000 per day internationally. • Digital & Growth Plans: The entire program is scheduled to be implemented via a fully digital platform. The NPS aims to register 2,000 institutions for the next 2025/26 National Productivity Awards Competition, focusing on expanding participation from the manufacturing and service sectors.

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🇵🇰 Pakistan PM Hosts SL & ZB Cricket Teams Luncheon 🏏

• Pakistani Prime Minister Shehbaz Sharif hosted a State luncheon for the Sri Lanka, Zimbabwe, and Pakistan cricket teams on 19 November. • The event was attended by key dignitaries, including the Interior and Information Federal Ministers, the Pakistan Cricket Board Chairman, and the High Commissioner of Sri Lanka. • PM Sharif specifically commended the Sri Lankan team for their decision to continue the tour. • The Manager and Captain of the Sri Lankan team expressed their gratitude for the warm hospitality, facilities, and security arrangements provided by Pakistan during the tour.

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🤝 SL-Pakistan Boost Sports Cooperation & Bilateral Ties

• Sri Lanka's Deputy Youth Affairs and Sports Minister Sugath Thilakaratne met with Pakistani Federal Minister Attaullah Tarar to discuss strengthening bilateral relations, mutual cooperation in sports, and the promotion of cricket. • Both nations agreed to further expand cooperation in the sports sector, recognizing it as an effective means of promoting people-to-people contact and strengthening the bond between the peoples. • The Pakistani Federal Minister emphasized that Pakistan is undertaking serious measures to promote sports diplomacy in the region. • The visit was noted by Pakistan as a clear manifestation of the longstanding friendly and trusting relationship, even amidst the Sri Lankan Parliament's Budget session. • The Sri Lankan delegation also commended Pakistan for the excellent arrangements and high standard of hospitality shown during the Tri-Nation Series.

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📈 Ronaldo's White House Dinner with Trump & MBS Draws Top Global Business Leaders

• Portuguese football star Cristiano Ronaldo was a surprise guest at a White House dinner hosted by US President Donald Trump for Saudi Crown Prince Mohammed bin Salman (MBS). • The event also featured major global business figures, including Apple CEO Tim Cook and Tesla Founder Elon Musk, underscoring the high-level focus on US-Saudi economic and investment ties. • Ronaldo, who plays for the Riyadh-based Al Nassr (a club majority-owned by the Saudi sovereign wealth fund chaired by MBS), has become a key face for Saudi Tourism promotion and a symbol of Saudi Arabia's significant investment in soft power. • The star's presence highlights the intersection of global sport, celebrity branding, and strategic national economic diversification efforts by the Kingdom. • Ronaldo, who scored 83 goals in 84 starts for Al Nassr, has publicly referred to MBS as "our boss [in Saudi Arabia]" and praised Trump.

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🏗️ Govt. Relaunches Construction of 74 Rural Bridges

• The Cabinet of Ministers has approved recommencing the construction of the remaining 74 bridges by the State Development and Construction Corporation (SDCC) under the Rural Bridges Program. • The move is aimed at completing the projects expeditiously to minimize difficulties faced by the public. • Project Context: • The original 2021 approval was for 326 bridge construction contracts to the SDCC. • In 2022, 184 bridges (where construction had not started) were stopped. • Current Status (from the 142 bridges where work had begun): • 45 bridges have already been completed. • 23 bridges were assigned to the Road Development Authority (RDA). • The remaining 74 bridges will now be restarted by the SDCC.

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Economic News

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📈 SL Economy: Six Quarters of Growth Amidst VAT & Poverty Concerns

• Macro Recovery: The economy has seen six consecutive quarters of growth, averaging five percent, reflecting one of the most outstanding global recoveries since 2022. Macroeconomic policy continues to be shaped by the IMF's $3 Bn Extended Fund Facility (EFF). • Market & Credit: Colombo Stock Exchange-listed companies report quarter-on-quarter increases in turnover and profitability. Credit growth exceeded one trillion rupees (Rs. 1 Tn) in the first three quarters, driven largely by ongoing vehicle imports. • Govt. Positives: Official reports highlight a strong year for industrial/entrepreneurship, citing a 9.7% sectoral growth and the creation of 15,000 new entrepreneurs, alongside substantial debt relief for SMEs and 15 key structural reforms. • MSME Challenge: Future concerns loom for MSMEs (micro, small and medium-sized enterprises). A proposed VAT threshold reduction from Rs. 60 million to Rs. 36 million, effective April 2026, is expected to increase the administrative burden on the smallest businesses and compel them to raise prices. • Social Context: Despite the recovery, over a quarter of the citizenry are still finding it difficult to make ends meet and continue to live below the poverty line.

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📈 CBSL Predicts Reserves to Hit Post-Crisis High in December!

• Sri Lanka’s Gross Official Reserves (GOR) are expected to climb to the highest level since the height of the economic crisis by end-December, comfortably meeting the IMF reserve target. • The surge is underpinned by anticipated fresh inflows of over US$ 700 Mn: • IMF Extended Fund Facility (5th tranche): US$ 340 Mn • ADB Budgetary Support: US$ 370 Mn • The final month of the year also traditionally brings stronger foreign exchange via exports, workers’ remittances, and tourism receipts. • Note: November reserves will appear lower than October due to timing effects, but a sharp rebound is expected in December. • Economic Outlook & Policy: • Current Account: Expected surplus of ~1% of GDP (US$ 1 Bn) for 2025. • GDP Growth: Projected at 4.5% this year (following 5% last year), driven by a recovery in imports reflecting improved economic activity. • Exchange Rate: Remains market-determined; CBSL intervenes only to offset excessive volatility (recent fluctuations included a gradual ~5% depreciation). • Inflation: Expected to rise more gradually than previously forecasted, with the CBSL's 5% target anticipated by the second half of 2026.

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🚗 Vehicle Import Demand Stabilises as Pent-Up Rush Ends

• Central Bank (CBSL) Governor confirms the initial surge in vehicle imports—following the lifting of the five-year suspension on 1 February 2025—has tapered off, with pent-up demand largely exhausted by November. • Letters of Credit (LCs) for vehicles, which spiked sharply in July, have since declined, indicating a market normalisation and easing pressures on foreign exchange outflows. • Key Figures (9M 2025): • Total vehicle imports (personal and commercial units) for the first nine months of 2025 reached US$ 1.2 Bn. • Imports in September 2025 alone totalled US$ 286 Mn. • The move towards market equilibrium is expected to help restore balance in the external sector, contributing to broader economic stability. Import prices for vehicles are also reported to be falling.

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🚨 Sri Lanka Must Earn US$ 50 Bn Forex Annually: Analyst Criticizes Budget 2026 for Lack of Laser-Sharp Strategy 📈

• Forex & Growth: The key challenge for Sri Lanka to achieve 6%+ GDP growth is hitting US$ 50 Bn in annual foreign exchange earnings, a target lacking a clear strategy in Budget 2026. • Reserves Reality: While gross reserves stand at US$ 6.2 Bn, Net Foreign Reserves (NFR) are negative as per IMF stipulations (after removing currency swaps). • Fiscal & Implementation: Revenue/GDP reached 15.9%, beating the IMF target of 15.3%. However, capital expenditure utilization for 2025 is critically low, estimated at only 40-45% (approx. Rs. 600 Bn utilized out of a Rs. 1.4 Tn budget). • Proposed 3-Point Forex Drive: 1. Exports: Must increase revenue from US$ 19 Bn to US$ 30 Bn. Key initiative: Signing the Comprehensive Economic Partnership Agreement (CEPA) with India, benefiting sectors like apparel & textiles. 2. Tourism: Current 2025 earnings are US$ 2.6 Bn, which is -33% compared to 2018 ($3.5 Bn). Focus must shift to attracting a higher-value traveler ($200 per traveler). 3. Remittances: Target to reach US$ 10 Bn via quality, white-collar service exports. • Consumer Distress: Only 37% of Sri Lankan families cover monthly expenses with their income. Unredeemed jewelry (pawning) jumped from Rs. 210 Bn (2019) to Rs. 571 Bn (2024), highlighting severe household financial fragility. • Governance Highlight: The strong anti-narcotics drive in 2025 (e.g., 1,736 Kg Heroin, 3,784 Kg Ice seized; 21,985 arrests to date) is commended as a significant governance win.

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Budget 2026 Boosts SMEs: Key Concessions & Reforms 🚀

• The 2026 National Budget, presented by President Dissanayake, focuses on sustained GDP growth above 7% post-IMF reforms, recognizing SMEs (contributing over 52% of GDP) as the economy's backbone. • Tax Incentives: The qualifying investment threshold for enhanced capital allowances (100% to 200%) has been significantly reduced from US$ 3 million to $250,000, making tax benefits accessible to a wider range of SMEs. • Financing & Allocation: The Budget prioritizes concessional loan schemes, allocating substantial funds: • Rs. 7,700 million for the SME Development Loan Scheme. • Rs. 6,200 million for Agricultural Value Chain Development. • Rs. 1,700 million for the New Comprehensive Rural Credit Scheme (NCRCS), offering agricultural loans up to Rs. 3 million at 5% interest. • Institutional Reforms & Digitalization: • SME support agencies (IDB, NEDA, SMED) will be consolidated under the Industrial Development Board for streamlined efficiency. • Measures include establishing Startup Ecosystems, IT zones, and a Trade National Single Window (TNSW) to simplify export documentation and improve market access. • Challenges Noted: Concerns remain that lowering the VAT and SSCL thresholds to Rs. 36 million will bring more SMEs into the tax net, increasing compliance costs, alongside the need for swift and transparent implementation of loan schemes.

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President to Headline Economic & Investment Summit Opening Day! 🇱🇰📈

• President Anura Kumara Dissanayake will attend the Sri Lanka Economic and Investment Summit 2025 (SLEIS 2025) on December 2nd. • He will engage in an on-stage conversation (Fireside Chat) with the Ceylon Chamber of Commerce Vice Chairperson, Mr. Bingumal Thewarathanthri. • The dialogue aims to provide businesses and investors with clarity on the government’s views on economic rebuilding, policy choices, and the strategy to restore national confidence. • The Summit's theme is ‘Gateway to Growth – Asia’s Emerging Opportunity’. • Organised by The Ceylon Chamber of Commerce, the event will take place on December 2-3 at the Shangri-La Hotel, Colombo. • Attendance reflects high interest, with over 850 participants and more than 100 international delegates registered (registrations are now closed). This turnout signals growing interest in Sri Lanka’s future investment direction.

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⚓️ Sri Lanka Ports Authority (SLPA) Transfers Rs. 5 Bn to Treasury

• The Sri Lanka Ports Authority (SLPA) is set to contribute Rs. 5 Billion (Bn) from its profits to the Consolidated Fund. • This decision follows strong financial performance, with the SLPA recording a post-tax net profit of Rs. 39 Bn as of October 31, 2025. • The reported profit figure represents a significant increase of approximately Rs. 12 Bn compared to the previous year's performance. • The Rs. 5 Bn contribution is scheduled in two tranches: Rs. 2 Bn was provided in September 2025, and the remaining Rs. 3 Bn is scheduled for December 2025. (Source: Ministry of Ports and Civil Aviation)

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🚨 CBSL Holds Policy Rate: Focus on 5% Inflation Target by H2-2026

• The Central Bank of Sri Lanka (CBSL) maintained the Overnight Policy Rate (OPR) unchanged at 7.75% following its latest Monetary Policy Board meeting. • Objective: The Board believes the current monetary policy stance supports steering headline inflation towards the 5% target. • Inflation Dynamics: Headline inflation (CCPI) accelerated for the third consecutive month in October. It is now expected to reach the 5% target by H2-2026, a more gradual timeline than previously projected. Core inflation is also expected to accelerate modestly as demand strengthens. • Economic Activity: Leading indicators suggest a continuation of the growth momentum. • Private Sector Credit: Credit has recorded a notable and broad-based expansion thus far in 2025, supported by the low-interest-rate environment. • Policy Stance: CBSL will continue monitoring and remains prepared to implement appropriate measures to ensure inflation stabilizes around the target while supporting the economy's potential.

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📈 SL Exports Soar to Record US$ 14.43 Bn in Jan-Oct 2025!

• Overall Performance (Jan-Oct 2025): Total exports hit a historic high of US$ 14.43 Bn, recording a strong 6.0% YoY growth over 2024. This marks the first time exports have exceeded US$ 14 Bn in the first ten months, realizing 80% of the annual US$ 18 Bn target. • Merchandise exports grew by +6.53% (US$ 11.37 Bn), while Services exports increased by +4.01% (US$ 3.06 Bn). • Key Sector Growth Highlights (Cumulative): • Record Breaker: Coconut products surpassed US$ 1 Bn for the first time, skyrocketing by a phenomenal +43.83% YoY. • Leading Industries: Apparel & Textiles exports were up +5.56% (US$ 4.44 Bn), and Tea exports increased by +8.72% (US$ 1.29 Bn). • Knowledge Economy: ICT/BPM exports were a key driver in Services, growing by +9.25% (US$ 1.33 Bn). • Top Markets & Regional Insights: • Cumulative exports saw significant growth to India (+19.31%) and the EU region (+12.56%). Exports to the USA, the largest single market, grew by +2.68%. • October 2025 Snapshot: Total exports were US$ 1.47 Bn (+0.16% YoY, +2.2% MoM). Key monthly drivers included Coconut based products soaring by +60.46% YoY and ICT/BPM up by +26.71% YoY.

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PDMO Strategy Flags Domestic Debt as Key Refinancing Risk ⚠️

• Sri Lanka's total Government debt stood at Rs. 30.8 Tn (June 2025). Domestic debt accounts for 64%, with External debt at 36%. • The Debt-to-GDP ratio fell to 99.1% in 2024 (down from 114.2% in 2022) post-restructuring and fiscal consolidation. • Immediate Risk: Refinancing pressure is heavily concentrated in the domestic portfolio due to short-term maturities, presenting high rollover risk. • Key maturities: T-Bills (12% of total debt) face a Rs. 3.6 Tn redemption pressure in 2026. T-Bonds (48% of total debt) peak at Rs. 2.15 Tn in 2028. • External Debt Outlook: Near-term risk is lower due to restructuring, providing capital grace periods until 2028. Final repayments on restructured debt extend to 2043. • MTDMS 2026-2030 Goals: Shift toward deeper domestic financing, aiming for 90% of borrowing from domestic sources by 2030. • The strategy includes lengthening domestic maturities (5-15 years benchmarks) and exploring new external financing like Samurai, Panda, and Sukuk bonds, alongside efforts to build reserves and manage FX risk. • Scheduled External Debt Service for 2025 totals US$ 2.45 Bn (US$ 1.4 Bn Principal + US$ 1 Bn Interest). Obligations rise, reaching ~$3.1 Bn in 2028.

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IRD: Taxpayer Base Rises, Revenue Momentum Strong 📈

• Tax compliance efforts boost individual taxpayers to 1.2 million, with 200,000 new registrations so far in 2025. • Increased formalisation sees 18,000 new company registrations and 30,000 excise duty registrations this year. • Revenue collection maintains a strong upward trend, supported by expanded taxpayer coverage: • VAT revenue increased by 21% compared to last year (YoY). • Income Tax collections are up by 14% (YoY). • The IRD collected over Rs. 2 Trillion as of 17 November, the highest annual revenue in history, exceeding the full-year 2024 figure (Rs. 2.62 Tn) by over Rs. 60 Bn. • Officials expressed confidence in achieving the 2025 annual target, strengthening the State’s fiscal position. • The personal tax threshold has been increased from Rs. 1.2 Mn to Rs. 1.8 Mn for the 2025 assessment year.

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CBSL Policy Rates Expected to Hold Firm: FCR Outlook 📈

First Capital Research (FCR) assigns a 60% probability for the Central Bank to maintain policy rates in the upcoming review, versus a 40% chance of a rate cut (mostly a 25 bps reduction). • The main argument against easing is strong private-sector credit growth, which rose 23.6% YoY in September, alongside a Rs. 236.3 Bn jump that month alone. • External pressures also limit policy space: Official reserves slipped to US$ 6.21 Bn in October (~3 months import cover), and the rupee depreciated 5.4% YTD. • Sri Lanka recorded a Current Account deficit in September, reversing eight months of surpluses, adding to stability concerns. • Case for a cut rests on moderating economic momentum (GDP expected to slow despite 4.8% H1 2025 growth) and low headline inflation (2.1% in October). • High borrowing costs for SMEs (Average Weighted SME Rate 10.5%) are also noted. However, CBSL is expected to prioritize macro-financial stability. • FCR sees an 80% chance that the Statutory Reserve Ratio (SRR) will remain unchanged.

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Regulatory & Policy News

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Royal College 'SAGA 2025' Fundraiser Under Scrutiny Over Alleged Financial Malpractice

• Royal College alumnus Padmasena Dissanayake has sent an Open Letter to Prime Minister/Education Minister Dr. Harini Amarasuriya, raising alarms over the collection of money for the "SAGA 2025" event organised by the School Development Society (SDS). • Allegations suggest the school administration and organisers are treating the PM's directive against unauthorised collections as "mere words," questioning if the institution is above the law. • Key Financial Irregularities Alleged: • Money is reportedly not being collected through official SDS bank accounts, leading to a complete lack of transparency and zero accountability. • No receipts are issued for these collections. • Allegations also point to the bypassing of standard procurement guidelines for costumes, with organisers opting for a single supplier. Dissanayake suggests the procurement decision was allegedly delayed intentionally to justify a shortcut around tender procedures. • Parents are reportedly forced to sign a "declaration of willingness," which frames the mandatory fee (Rs. 4,000 to Rs. 6,500 per costume for over 600 students) as a voluntary contribution. Parents remain silent due to fear of victimisation of their children. • The letter urges the Prime Minister to intervene immediately to rectify the situation.

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🎥 President Dissanayake Offers Solutions to Film Industry Issues 🤝

• President Anura Kumara Dissanayake met with film distributors and producers to address their unresolved issues and provide "reasonable solutions." • The President stated that Sri Lankan audiences must be given the opportunity to watch international films while ensuring the domestic industry is safeguarded, citing cinema's contribution to spiritual and cultural development. • Key issues discussed included irregularities in Value Added Tax (VAT) payments and limitations faced in expanding the industry. • Film industry representatives reported achieving their highest-ever revenue in history in 2025 and requested continued government support to sustain this growth.

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💎 Cabinet Approves Major Reforms to Boost Sri Lanka's Gem Industry 📈

The Cabinet of Ministers has approved a series of regulatory measures aimed at promoting the nation's gem industry by streamlining imports and simplifying taxation. • Key Approvals: Orders and regulations published in recent extraordinary gazettes to facilitate the import and taxation of genuine and semi-genuine gemstones were sanctioned. • Taxation Changes: • Value Added Tax (VAT) calculation on imported gemstones will now be based on their weight, a shift approved under the VAT Act. • New national sub-division customs codes were introduced via a Revenue Security Order, enabling the weight-based VAT application. • These new customs codes will also be used in relation to continued exemptions from Ports and Airport Development Taxes (PADT). • Impact: These steps are expected to streamline gemstone imports, simplify the taxation process, and reinforce Sri Lanka’s standing as a key player in the global gem market. • Source: The proposal was presented by President Anura Kumara Dissanayake in his capacity as Finance Minister.

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📰 Colombo Port City Act Amendments Approved

• The Cabinet of Ministers has approved the publication of the amended Colombo Port City Economic Commission Act No. 11 of 2021 draft bill. • This approval relates to publishing the draft in the government gazette. • The clearance paves the way for the amended bill to be officially presented to Parliament for further proceedings.

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Govt Weighs Curbs on Rice Imports to Boost Paddy Production 🌾

• The Government is considering stricter limits on rice imports and establishing a more formalised system for purchasing domestic paddy production. • The initiative aims to raise paddy output, stabilise prices, and strengthen protection for farmers. • Key policy discussions involved: • Maintaining a fixed purchasing price for paddy to prevent unfair practices. • Reviewing fertiliser subsidy prices against global trends. • The need for upgrading storage and drying facilities. • Officials were directed to provide district-level cost-of-production data to finalise new guaranteed price policies. • The administration plans to support all farmers through consistent policies, addressing a historical lack of mechanisms for other crops compared to paddy. • Urgent requirements were noted for state agencies, including filling key vacancies and addressing shortages of vehicles and equipment.

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📈 SL-Luxembourg DTA Amendment Approved by Cabinet

• The Cabinet of Ministers approved the signing of a protocol to amend the existing Double Taxation Agreement (DTA) with Luxembourg. • The primary goal of the amendment is to ensure full compliance with the minimum standards of the G20–OECD Base Erosion and Profit Shifting (BEPS) Project. • Both Sri Lanka and Luxembourg are members of the BEPS Inclusive Framework, necessitating these revisions to the original 2013 DTA. • The proposal, submitted by the President as Finance Minister, allows the countries to proceed with signing the cleared amended protocol in due course. 🇱🇰🤝🇱🇺

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BOI Import/Export Facilitation Shifts to Sri Lanka Customs 📈

• Sri Lanka Customs (SLC) is set to take over the import/export facilitation processes for Board of Investment (BOI) firms via a pilot project starting May 2026. • The move follows an MOU between BOI and SLC, with the 3-6 month pilot project scheduled to commence at the Katunayake Free Trade Zone (KFTZ). • Rationale: This is part of the Government’s commitment under the IMF's revenue-based fiscal consolidation framework, aiming to curb significant revenue leakage. • Leakage stems from extensive tax concessions and reported misuse of import/export facilities by BOI firms (e.g., illegal local sales). • BOI corporate tax exemptions were reported to have caused a loss of Rs. 23.94 Billion in corporate taxes to the Government in 2022. • Concerns: The change comes after the recent abolition of SVAT, causing unease among the business community. • Investors have expressed reservations, citing concerns about potential supply chain disruptions and the perceived rampant corruption/control focus within Customs. • While SLC has launched initiatives like the Authorised Economic Operator (AEO) Program to enhance facilitation, business confidence remains a factor.

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FCCISL Unveils 5-Point Strategy for Economic Recovery & B-READY 2026 📈

• The Federation of Chambers of Commerce and Industry of Sri Lanka (FCCISL) presented five strategic Budget proposals for 2026, aimed at accelerating economic recovery and preparing Sri Lanka for the World Bank's Business Ready (B-READY) Index 2026. • The plan, based on the PwC–FCCISL Business Resurgence Study, focuses on modernising institutions and strengthening the private sector to transform the business environment. • Key Proposals: • Public Service Transformation Fund: Decisive national shift towards streamlined, automated, and performance-driven public services through process re-engineering and digital integration to reduce bureaucratic barriers. • Strengthened SME and Business Resurgence Mechanism: Integrated, district-level support for SMEs to access fast-tracked approvals, digital services, and dispute resolution, restoring 'real economy' momentum. • GovData-SL: Creation of a unified national digital data platform for transparent, evidence-based policymaking, tracking regulatory performance, and verifiable B-READY reporting. • National Business Reform and Facilitation Council (NBRFC): Proposed under the Finance Ministry to coordinate reforms, harmonise regulations, and accelerate cross-ministerial decisions. • District-Level Entrepreneurship Program: National model to strengthen regional competitiveness, support local SMEs, and facilitate investment through integrated, digitalised district administration. • FCCISL is calling for broad national and international partnership to implement the reforms, enhance predictability, and reposition Sri Lanka as an investment-ready economy.

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📈 THASL Urges Stronger Global Branding & Policy Reforms for Tourism Sector

The Hotels Association of Sri Lanka (THASL) outgoing President M. Shanthikumar called for immediate policy changes to safeguard the sector’s future, highlighting the formal hotel industry's crucial economic contribution: • Sector Impact: • The formal hotel sector is the largest private-sector contributor to tourism development, revenue, and employment. • Hotels employ over 70% of the nation’s tourism workforce. • Total investments by member hotels exceed US$ 15 Billion over the past 60 years. • The sector generates the highest tax and levy income to the Government from the private sector. • Outlook & Key Demands: • Tourism is confidently forecasted to surpass its all-time record arrivals by the end of 2025. • Global Promotion: An urgent call was made for a strong global destination-marketing campaign to compete and ensure high foreign exchange earnings, warning against mere volume growth. • Diversification: Faster development of the MICE segment is needed to absorb Colombo's room inventory and target a 25% contribution to overall arrivals. • Policy & Regulation: THASL urged for robust regulatory frameworks covering licensing, taxation, foreign exchange compliance, and the registration of all accommodation units. • Long-term Sustainability: Shanthikumar pressed for formally designating tourism as a 'service export' and encouraging foreign investment through investor-friendly policies.

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📈 Sri Lanka Greenlights Digital TV Shift: New Analogue Licences Halted

• Major Policy Step: Cabinet has approved the immediate halt on issuing new terrestrial analogue television licences, accelerating the country's long-delayed transition to digital broadcasting. • Rationale: The current analogue system, used by 24 channels (including 5 State-owned), has reached its maximum spectrum capacity, making further expansion impractical. • Digital Project: The Mass Media Ministry initiated the "Digital Non-territorial Television Broadcasting Project," aiming to establish a unified digital terrestrial platform to replace 46 existing analogue systems. • Timeline & Support: Full project implementation, supported by an agreement with Japan, is expected by 2029. The analogue switch-off is planned for two years after the project's completion. • Regulatory: Frequency allocation responsibilities have been transferred to the Telecommunications Regulatory Commission of Sri Lanka (TRCSL). • Public Impact: No new fees will be imposed on the public for the transition, though viewers may need to purchase compatible devices. The digital shift will also free up valuable frequency spectrum for new channel opportunities.

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🚨 SEC Issues Urgent Scam Alert: Blue Ocean Securities Unlicensed!

The Securities and Exchange Commission (SEC) of Sri Lanka has issued an urgent warning regarding Blue Ocean Securities Ltd: • The company is NOT licensed by the SEC and has no authority to trade in securities in Sri Lanka on behalf of investors. • Its Chief Analyst and assistant are also not registered investment advisors. • The entity is also not licensed or authorized by the UK Financial Conduct Authority (FCA). • Investor Alert: Strongly advised NOT to engage in any transactions with the company, deposit money, or join its associated WhatsApp/communication channels. • Action: Regulatory measures are currently being taken by the SEC and other law enforcement authorities. • Key Reminder: Investors must only deal with licensed stockbrokers and open a CDS account before engaging in any securities transactions. Check the SEC or CSE websites for the list of licensed brokers.

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Treasury Tightens SOE Spending & CSR Rules from 2026 📈

The Treasury has introduced a revised framework (Circular No. 01/2025), effective 1 January 2026, to strengthen financial discipline and transparency in State-Owned Enterprises (SOEs) regarding non-core expenditure. • Spending Cap: Annual expenditure on sponsorships, donations, CSR, and indirect promotional activities is strictly capped at 1% of the SOE’s actual recurrent expenditure from the previous financial year. • Funding Prohibition: Treasury budgetary provisions are strictly prohibited from being used for any such spending. • Financial Contribution: SOEs must remit a minimum of 30% of profit after tax annually to the Consolidated Fund and are encouraged to declare interim dividends based on quarterly performance. • Strategic Alignment: Boards must ensure all expenditures are non-political, non-personal, justified, and fully aligned with the Government's broader national development agenda. • Governance & Reporting: New mandatory requirements include submitting quarterly expenditure summaries and maintaining a dedicated internal register for audit purposes.

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Corporate News

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People's Bank Records Best-Ever 9M Profit 📈

• People's Bank (Solo) posted a record-breaking Profit Before Tax (PBT) of Rs. 43.7 Bn for the nine months ended Sep 2025. • Standalone Profit After Tax (PAT) also reached an all-time high of Rs. 28.8 Bn. • Core Earnings: Solo Operating Income saw a substantial 99.4% increase, reaching Rs. 121.9 Bn. • Net Interest Income nearly doubled to Rs. 103.9 Bn, improving Net Interest Margin to 4.0% (from 3.4% in Dec 2024). Net Fees and Commissions hit a 9M record of Rs. 12.2 Bn. • Balance Sheet: Total Solo Assets expanded to Rs. 3.6 Tn, Deposits to Rs. 3.2 Tn, and Net Loans to Rs. 1.6 Tn. • Capital Adequacy Ratio is strong at 16.0% (Total Capital), with the Rupee Liquidity Coverage Ratio at 287%. • The Group's consolidated PAT reached Rs. 30.5 Bn, with operating income growing 85% and consolidated assets at Rs. 3.9 Tn. • The bank is undergoing a strategic shift, increasing its focus on competing for private-sector business over traditional State-sector financing. • Digital platforms recorded 5.7 million onboardings by end-Sep 2025.

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Kerner Haus Shifts to Asset-Light Strategy with Key Property Management Deal 📈

• Kerner Haus Global Solutions PLC has launched its asset-light growth strategy by signing a Property Management Agreement with VKM Services Ltd. for a prime property on Nawam Mawatha, Colombo 2. • The agreement marks the first phase in building a recurring fee income platform and is projected to generate Rs. 12.6 million in annual management fees. • The property, situated in Colombo’s financial district, offers capacity for approximately 300 office seats. It will operate as a fully serviced office centre under the Kerner Haus brand. • The central location is strategically positioned to attract tenants from the expanding Sri Lankan outsourcing sector, particularly BPO, KPO, and international SME clients seeking flexible office solutions. • This asset-light approach focuses on demonstrating operational capability before selective asset acquisitions. • The company's shares closed yesterday at Rs. 780.50, an increase from the previous closing price of Rs. 656. (Note: The company reported a negative net asset value of Rs. 72 as of end-September 2025).

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📈 Richard Pieris Finance H1 2025/26: PBT Jumps >75% to Rs. 292 Mn

• Richard Pieris Finance Ltd. reported a strong H1 2025/26 (six months ended 30 September), reflecting a continued upward trajectory and disciplined operations. • Profit Before Taxes (PBT) reached Rs. 292 million, marking a significant growth of over 75% compared to the previous year. • Profit After Taxes (PAT) also saw robust growth of 47%. • Total Assets expanded by 20%, exceeding Rs. 20 billion, with the company setting a medium-term vision to reach Rs. 50 billion. • Growth was driven by improved core lending, disciplined cost management, and a vigilant risk-based credit approach. • The lending portfolio remains well-diversified, featuring vehicle leasing, gold loans, Islamic finance, and the new Sarumaga mortgage product focused on the SME sector. • Financial stability is reinforced by a stable 'A(lka)' credit rating with a Stable Outlook from Fitch Ratings.

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📰 Cinnamon Grand Colombo Marks 20 Years Under Cinnamon Brand 🏨

• Cinnamon Grand Colombo is commemorating its 20th anniversary under the Cinnamon Hotels and Resorts brand (since 2005), solidifying its position as a classic leader in Sri Lanka’s competitive hospitality sector. • The hotel originally opened in 1975 as Hotel Lanka Oberoi and went through a Colombo Plaza era before its current transformation under John Keells Holdings. • Its core strength is offering high-end hospitality while preserving its "Sri Lankan soul," targeting high-spending leisure travellers and the city’s corporate elite. • The property serves as a cornerstone of Colombo’s event and business infrastructure, consistently hosting diplomatic, corporate, and marquee events. Its strong MICE (Meetings, Incentives, Conferences, and Exhibitions) portfolio is a key competitive advantage, highlighted by The Oak Room. • Beyond its service, the hotel is also home to the Cinnamon Hospitality Academy, which is working to redefine hospitality education in Sri Lanka.

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Assetline Finance Sees Near 40% Asset Growth in 1H FY25/26 📈

• Overall Performance (1H ended 30 Sep 2025): Total Assets expanded to Rs. 72.71 Bn, representing nearly 40% growth during the first half of the financial year. • Lending & Income: The lending portfolio saw a remarkable 42% growth, reaching Rs. 60.63 Bn, driven by heightened credit demand across SME, micro-enterprise, and mobility-based segments. PBT reached Rs. 2.94 Bn, with PAT at Rs. 1.42 Bn. • Fiscal Contribution: The company contributed nearly 52% of its PBT toward government taxes during the period. • Asset Quality Improvement: Key metrics strengthened significantly year-on-year (YoY): • Gross Stage 3 Loan Ratio improved sharply to 4.0% (from 9.7% a year earlier). • Net Stage 3 Ratio improved to 1.8% (from 6.4%). • Stage 3 Impairment Coverage Ratio rose to 55.0% (from 37.9%), reflecting stronger provisioning. • Efficiency & Profitability: The Cost-to-Income Ratio improved to 39.8%, signaling enhanced operational efficiency. Return on Equity (ROE) stood at 17.1%. • Outlook: The company maintains an upgraded A rating with a Positive Outlook, affirming its strong capital position.

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Drucker's Enduring Wisdom: Management in the Digital Age 💡

Peter Drucker's management philosophies remain critically relevant today, 20 years after his passing, focusing on the human elements amid technology. • Digital Relevance: Drucker asserted technology's true impact is on "how Man works," not just the tools, emphasizing a need for healthy balance between continuity and change. • The Human Imperative: His ideas strongly support “human augmentation” over simple automation, seeing knowledge workers as the 21st century's most valuable asset—a crucial insight for Sri Lanka’s ICT/BPM sector. • Key Quotes: His core principles are timeless: "Efficiency is doing things right; effectiveness is doing the right things" and "There are no good or bad institutions but well-managed or ill-managed institutions." • Visionary Concepts: Drucker pioneered decentralization (1940s), treating workers as assets (1950s), the corporation as a human community, and the importance of the customer. He was also the first to highlight the contribution of knowledge workers (1970s). • Self-Management: Drucker foresaw the "unprecedented change in the human condition" where growing numbers of people have choices and must learn to manage themselves. • Way Forward: Applying his wisdom requires appropriate adaptation to turbulence, stressing the need to "follow effective action with quiet reflection."

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Fitch: BOC/PB Ratings Neutral to Small Bank Acquisitions 📈

• Fitch Ratings expects the proposed transfer of state holdings in HDFC and SMIB to BOC and People’s Bank (PB), respectively, will not affect the acquirers’ credit ratings. • This view is underpinned by the targets’ small scale—accounting for only 1%-1.5% of the acquirers’ bank-level assets—and the expectation of necessary capital support from the government. • HDFC and SMIB have relatively low risk densities due to large exposure to zero risk-weighted EPF-backed loans, limiting the incremental risk to the acquirers. • Fitch’s base-case is that the government will inject capital at least equal to the purchase price into BOC and PB to keep their capital ratios unaffected, consistent with past policy support. • Acquirers’ Context: BOC and PB's capital buffers are already constrained by large sovereign exposures, which attract capital deductions (4% for BOC, 2% for PB) compared to private peers. • The acquired banks (HDFC and SMIB) national ratings have been placed on Rating Watch Positive (RWP), reflecting the potential for high support from their new state owners.

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📈 Lankem Ceylon Acquires Major Stake in York Arcade for Rs. 340.58 Mn

• Lankem Ceylon PLC has acquired a 49.27% stake in York Arcade Holdings PLC from its parent company, The Colombo Fort Land and Building PLC. • The total transaction value was Rs. 340.58 million. • The deal involved 369,495 ordinary voting shares, executed on the Colombo Stock Exchange at Rs. 921.75 per share. • Lankem stated the acquisition supports the Group’s ongoing financial restructuring and is part of a plan to strengthen its balance sheet and operational alignment. • York Arcade's closing price yesterday was Rs. 892.50, compared to the deal price of Rs. 921.75. • York Arcade reported a Net Asset Per Share of Rs. 304.21 as of end September 2025.

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Lotus Renewables Sells 4.61% Stake in Hatton Plantations 📉

• Lotus Renewable Energy Ltd. offloaded 10.9 million shares (4.61% stake) in Hatton Plantations PLC. • The transaction was valued at Rs. 297.7 million. • Shares were sold at Rs. 27.30 each to Durga Infra Ltd. on 21 November 2025. • Prior to the sale, Lotus Renewables held a substantial majority stake of 76.65% (as of end September 2025). • Hatton Plantations (key sector: plantations/tea) closed the day prior at Rs. 28.10, down 40 cents from its previous close.

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Cargills Bank: Strong Profit & Loan Growth in 9M 2025 🏦

• Profit After Tax (PAT) for the nine months ended Sept 30, 2025, reached Rs. 313 Mn, an increase of Rs. 155 Mn compared to the corresponding period in 2024. • Net Interest Income (NII) grew 10% (Rs. 244 Mn) to Rs. 2,743 Mn. This was supported by a robust 31% growth in the loan book, which expanded by Rs. 14.3 Bn to reach Rs. 60.4 Bn. • Total Assets grew 10% (Rs. 8.2 Bn) to Rs. 88.5 Bn. Customer Deposits increased 5% to Rs. 62.5 Bn. • Impairment Charges saw a significant decrease of 80% to Rs. 162 Mn, attributed to an improved macro-economic environment and effective recovery actions. The Stage 3 Loans (Net) ratio improved to 7.55% (from 8.74% in 2024). • Net Fee & Commission Income grew 10% (Rs. 60 Mn) to Rs. 682 Mn, driven by higher trade volumes, loan fees, and remittance income. • Total operating expenses increased 14% (to Rs. 2,761 Mn) due to branch expansion and staff costs, pushing the Cost-to-Income Ratio up to 70.31%. • The bank remains well capitalised and liquid, with the Total Capital Ratio at 17.08%.

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NSB Group's 9M 2025 Performance: PBT Jumps 30% Amid Strong Asset Quality 📈

National Savings Bank Group (NSB) reported robust results for the nine months ended Sept 30, 2025, showing sharp improvements in profitability and asset quality. • Profitability Surge: Profit Before Tax (PBT) rose 30% YoY to Rs. 34.8 Bn, while Profit After Tax (PAT) surged 32% to Rs. 21.2 Bn. • Core Earnings: Net Interest Income (NII) increased by 16.8% to Rs. 64.4 Bn, driven by active liability management leading to a 15.8% reduction in interest expenses. Net Interest Margin (NIM) improved to 4.71%. Total Operating Income expanded by 18.4%. • Asset Quality & Capital: The Stage 3 impaired loan (NPL) ratio more than halved, falling sharply from 5.18% (end-2024) to a fortified 2.63%. The Total Capital Ratio stood strong at 23.89%, well above regulatory requirements. • Balance Sheet & Ratios: Total Assets grew 5.3% to Rs. 1.87 t. Customer deposits reached Rs. 1.59 t. Return on Equity (ROE) increased substantially to 24.67%. • National Role: NSB contributed over Rs. 24.1 Bn in taxes (financial services levies and income tax) to public finance, reinforcing its role as a key supporter of the State.

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🚀 People’s Insurance Q3 2025: Strong Top-Line Outperforms Industry

• People’s Insurance PLC (PIPLC) reported impressive top-line growth of 33% for Q3 (9 months ended Sep 30, 2025), significantly exceeding the industry's overall growth rate of 15%. Quarter-on-quarter growth stands at 34%. • Growth was primarily driven by the core business segments: • Motor segment: Achieved a remarkable 43% YoY growth (vs. industry's 24%). • Non-Motor segment: Recorded strong 9% growth (vs. industry's 4.5%), contributing 24% to the total premium base. • Financial Stability: • Profit Before Tax (PBT) was Rs. 472.64 Mn (impacted by mandatory motor SRCC/TC cession to NITF and lower investment income). • Total assets increased by 10% to Rs. 13.95 Bn. • Shareholders’ equity expanded by 5% YoY to Rs. 5,944.89 Mn. • Total claim expenses amounted to Rs. 2.195 Bn for the period. • The company cites prudent underwriting, effective cost management, and strategic investments in sales expansion and technology as key factors for sustained stability.

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Real Estate

📈 UDA Leases Pettah Floating Market for $160 Mn

• The Urban Development Authority (UDA) is proceeding with plans to lease the Pettah Floating Market Complex to a Japanese investor in a deal valued at US$ 160 million. • The investor intends to refurbish the retail outlets and revive the night-market concept, undertaking a full upgrade of the facility. • The UDA has already received an initial payment of $16 million. Talks are currently underway regarding compensation for existing shop-holders. • Context: The six-acre complex, developed in 2014 at a cost of Rs. 344 million, features 92 shops (10 over Beira Lake). • The lease follows a period where the complex suffered losses due to low footfall during the pandemic, the subsequent economic downturn, and a lack of maintenance for over two years.

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📈 HNB Hosts Galle Luxury Living Real Estate Showcase

• HNB PLC successfully hosted the third edition of its flagship real estate showcase, "HNB Luxury Living," at Jetwing Lighthouse, Galle. • The event brought together Sri Lanka’s leading property developers, offering clients exclusive access to luxury apartments, villas, and lifestyle residences. • The Galle Edition followed previous successful showcases held in Colombo and Ratnapura. • The initiative highlights HNB’s ongoing role in connecting prospective buyers with trusted developers across the country.

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🏗️ Port City Colombo Secures First Commercial Office Development: Colombo Gateway Tower One

• An agreement has been signed for the development of Port City Colombo's inaugural Commercial Office Development, the Colombo Gateway Tower One. • The project is being spearheaded by a consortium of investors led by Singapore-based Canary Wharf Holdings Pte Ltd. • The development involves a 34-storey tower offering a total office area of 28,000 sqm of premium office space across 28 floors, plus retail and leisure facilities. • Timeline: Construction is slated to commence in May 2026, with anticipated completion by June 2029. • Strategic Impact: The tower aims to meet the growing demand for Grade-A office space, positioning Port City Colombo as a premier business hub and attracting international and local enterprises. It will support the transition of registered Authorised Persons (APs) into a consolidated, premium workplace within the zone.

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🏨 Galadari Hotel Targets Q2 2026 Reopening with Increased Investment

• Galadari Hotels (Lanka) PLC informed the CSE that the iconic Colombo hotel is slated to reopen in the Second Quarter of 2026 following an extensive refurbishment project. • The total envisaged investment for the project, approved by a supplementary agreement with the BOI, has been significantly increased to US$ 48.5 million from the initial US$ 33.5 million. • The additional US$ 15 million will be financed by Mashreq Bank PSC, UAE, and the holding company, Galadari Brothers Co. LLC. • This investment aims to elevate the hotel’s standards and offerings, reinforcing its standing as a premier five-star destination within the Colombo tourism sector.

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Galadari Hotel Ups Colombo Refurbishment Investment to US$ 48.5 Mn 📈

• Galadari Hotels (Lanka) PLC has entered a supplementary agreement with the BOI to significantly increase the value of its ongoing refurbishment project in Colombo 1. • Total investment is now raised from US$ 33.5 million to a substantial US$ 48.5 million. • This marks an additional US$ 15 million committed to the upgrade. • The added financing is jointly secured from UAE-based Mashreq Bank PSC and the company's holding firm, Galadari Brothers Co. LLC. • The expanded project focuses on upgrading the flagship Galadari Hotel, signaling continued commitment to Sri Lanka’s hospitality sector development.

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Financial & Investment News

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InsureMe Insurance Brokers Cleared for CSE Empower Board Listing 📈

The Colombo Stock Exchange has granted in-principle approval for InsureMe Insurance Brokers Ltd to list 2,055,290 shares on the Empower Board via introduction. • Reference Price: Rs. 442 per ordinary voting share. • Financial Highlights (FY 2025): Revenue stood at Rs. 301.6 million with a Net Profit of Rs. 24.4 million. • Growth: The company recorded a strong 19% CAGR in revenue over the five financial years to FY25, driven by policy purchases on the insureme.lk platform. • Balance Sheet: Maintains an asset-light model, with Equity rising to Rs. 143.3 million (FY25) and almost no long-term debt. • Strategic Aim: Listing supports two objectives—strengthening corporate visibility to pursue growth in Sri Lanka, Asia-Pacific, and MENA markets via its insure-tech products, and reinforcing governance structures.

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LOLC Finance Gets CSE Nod for Rs. 15 Bn Debenture Issue 📈

• The Colombo Stock Exchange (CSE) has approved the listing of LOLC Finance's planned debenture issue, with the subscription list opening on 2 December 2025. • The company plans to raise up to a maximum of Rs. 15 Billion through the issuance of up to 150 million listed, rated, senior, unsecured, redeemable five-year debentures (Rs. 100 each). • Key Instruments: The issue comprises three five-year options: • Fixed-rate (Annual Payment): 11.25% (AER 11.25%) • Fixed-rate (Semi-Annual Payment): 10.95% (AER 11.25%) • Floating-rate: 364-day Treasury Bill rate plus 2.50% • Financial Context: The issue comes amid strong earnings growth: • September 2025 Quarter After-Tax Profit: Rs. 8.8 Bn (a significant 106% YoY increase). • Nine-month Profit: Rose 72% to Rs. 14 Bn. • Total Assets: Reached Rs. 466 Bn.

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📈 WealthTrust Securities (WTS) Announces Rs. 500Mn IPO to Boost Core Capital

WealthTrust Securities Limited (WTS), a leading non-bank Primary Dealer, is launching an Initial Public Offering (IPO) to strengthen its core capital buffer and enhance its risk absorption capacity in the evolving interest rate environment. • IPO Details: • Goal: Raise LKR 500.8 million (approx. Rs. 500Mn). • Shares Offered: 71,548,244 Ordinary Voting Shares. • Price per Share: LKR 7.00. • Stake: Represents a 5.84% stake in the Company. • Listing & Valuation: • The offer price provides an 18% upside to the primary valuation methodology. • WTS shares will be listed on the Diri Savi Board of the Colombo Stock Exchange (CSE) (in-principle approval received). • Indicative market capitalization upon listing is LKR 8.6 billion. • Company Profile: • WTS is currently rated A- (Positive) by the Lanka Rating Agency, reflecting strong fundamentals. • Key Dates: • Applications begin accepting: 24th November 2025. • Subscriptions officially open: 17th December 2025. • Media Launch/Investor Briefing: 2nd December 2025.

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Sri Lanka's Unit Trust Industry Soars: AUM Crosses Rs. 600 Bn Mark 📈

• Assets Under Management (AUM) reached Rs. 603 Bn by end-October 2025, surpassing the Rs. 600 Bn mark and rising from Rs. 592 Bn in September. • This growth reflects a significant 16% Year-on-Year (YoY) increase. • Investor Activity: The total number of unit holders grew to 137,224. • 3,628 new unit holders were added in October, contributing to nearly 25,000 new investors Year-to-Date (YTD). • Key Inflows: Approximately Rs. 4 Bn was channeled into equity-related funds in October, indicating growing investor confidence in Sri Lanka's capital markets and a move away from traditional savings methods. • The industry manages assets across 85 funds via 16 licensed management companies. • The Unit Trust Association, together with SEC/CSE, remains focused on strengthening financial literacy and investor participation across the country.

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📈 CFA Program Access Scholarships Open for August 2026 Exam Cycle!

CFA Society Sri Lanka has announced the opening of applications for the prestigious CFA Institute Program Access Scholarships for the August 2026 exam cycle. • Purpose: This global initiative is designed to make the rigorous CFA Program more accessible by providing substantial financial support, significantly reducing enrolment and exam registration fees for eligible candidates. • SL Impact: CFA Society Sri Lanka highlights the scholarship's vital role in strengthening the nation's future financial talent pool and enhancing global competitiveness. • Target Group: Encouraged applicants include university students aspiring to enter finance, existing industry professionals seeking enhanced credentials, and individuals transitioning into the field. • Application Window (Levels I, II, and III): - Opens: November 11, 2025 - Closes: December 1, 2025 • Notification: Applicants will be notified via email approximately four weeks after the closing date.

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Lankem Ceylon PLC Rights Issue Oversubscribed 📈

• Lankem Ceylon PLC successfully concluded its 1:3 Rights Issue, attracting strong investor interest and resulting in oversubscription. • Target vs. Actual: The issue, which aimed to raise Rs. 1.2 Billion, received applications worth over Rs. 1.36 Billion (subject to final verification). • Issue Details: Over 17.1 million shares were offered to shareholders at an issue price of Rs. 70 per share. • Financials: Net Asset Value (NAV) per share stood at Rs. 64.73 as of end-September 2025, declining from Rs. 70.80 in the preceding March quarter. • Market Note: The share closed at Rs. 89.10 on the day prior to the announcement.

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🤝 Strategic Investment Boosts Sri Lanka's Financial BPO Sector

• Advice Lab, a BPO providing paraplanning and administrative services, has secured a strategic minority investment from Rhombus Advisory, a leading Australian professional services group. • This initiative validates Advice Lab's operations and performance across its delivery centres in Sri Lanka and the Philippines. • Key Impact: • Strengthens Advice Lab’s exposure to the Australian financial planning industry and creates new revenue streams. • Expected to generate more jobs in Sri Lanka and the Philippines. • Supports the continued expansion of the Colombo delivery centre and facilitates technology investment. • The partnership enhances brand credibility, provides long-term stability, and reinforces Advice Lab's position in financial services outsourcing. • Advice Lab will continue to operate independently under MD Prad Navaratnam, with Rhombus Advisory appointing a representative to the Board to drive collaborative long-term growth.

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JF Packaging Debuts on CSE Main Board 📈

• Shares of JF Packaging Limited commenced trading today on the Colombo Stock Exchange (CSE) Main Board under the ticker symbol "JFP-N-0000". • The company successfully raised LKR 600 million through its recent IPO, which offered 51.72 million shares at an Issue Price of LKR 11.60 each. • The IPO was significantly oversubscribed by 6.3 times within hours of opening on October 30th. • Proceeds are earmarked to settle selected term loans and partially repay revolving import loans, aiming to strengthen the balance sheet and reduce finance costs. • JF Packaging is recognized as a leader in introducing eco-friendly packaging solutions to the Sri Lankan market, serving both local and international brands.

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🌊 DFCC's Landmark Blue Bond Oversubscribed on Day 1! 📈

• DFCC Bank successfully launched Sri Lanka's first-ever Blue Bond issue (listed, rated, senior, unsecured). • The initial offering, amounting to Rs. 3 billion (30 million bonds), was heavily oversubscribed within hours of the issue opening. • Due to the strong demand, the bank announced the early closure of subscriptions on the opening day itself. • Bonds were offered at a par value of Rs. 100 each across three tenors: 3-year (2025/2028), 4-year (2025/2029), and 5-year (2025/2030). • Applications submitted before the 4:30 p.m. cut-off time on the opening day will be accepted, with the basis of allotment to be notified in due course.

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💡 Banking Innovation for the Gig Economy: Addressing Ephemeral Income

• The Gig Economy (freelancers, platform workers, content creators) is a major, growing employment segment globally, yet traditional banking products (loans, mortgages) fail to accommodate their volatile, irregular ('ephemeral') income streams. • Challenges: Gig workers face severe credit access barriers (due to traditional scoring models), budgeting difficulties, and short-term liquidity gaps, often forcing them towards alternative lenders. • Strategic Opportunity for Banks: By failing to design tailored products, banks risk losing this digitally-engaged segment to fintechs. Adapting products builds long-term loyalty and demonstrates social responsibility. • Innovative Solutions Worldwide: • Dynamic Savings: Automated micro-deposits (e.g., 'round-up' features in the UK) that adjust to daily/weekly earnings. • Flexible Credit: Revolving credit lines with repayment schedules aligned to real-time income patterns (India, North America). • Income-Sensitive Planning: Digital tools using predictive algorithms to help workers anticipate lean months and plan tax obligations. • Safety Nets: Integration of micro-insurance and income protection (e.g., Southeast Asia's GrabPay/Gojek Pay) with earnings-tracking features. • Key Takeaway: Serving ephemeral wealth requires "ephemeral solutions"—flexible, adaptive products that move away from rigid, one-size-fits-all models to ensure financial inclusion and unlock new revenue streams.

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📈 DFCC Bank's Historic Rs. 3 Bn Blue Bonds Open for Subscription!

• DFCC Bank's landmark first-ever Blue Bonds issue in Sri Lanka, valued at Rs. 3 Billion, is now up for subscription, with the official opening on 13 November. • The issue, approved in principle by the CSE, consists of 30 million listed, rated, senior, unsecured, redeemable bonds at Rs. 100 each. • Structure & Tenor: The offering includes six types (A-F) with tenors ranging from 3 to 5 years. • Fixed Annual Coupon Rates: • 3-Year Tenor: 9.75% p.a. • 4-Year Tenor: 10.25% p.a. • 5-Year Tenor: 10.50% p.a. • The structure includes options for annual coupon payments (Types A, C, E) and discounted/zero-coupon options (Types B, D, F) where interest is compounded annually and paid at redemption. • NDB Investment Bank Ltd. is the Manager and Placement Agent for the issue.

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📈 JF Packaging Rs. 600 Mn IPO Oversubscribed on Opening Day.

• JF Packaging's Initial Public Offering (IPO) of Rs. 600 million was significantly oversubscribed within hours of opening on Thursday (Oct 30), leading to the closure of subscriptions on the same day. • The issue offered over 51.7 million Ordinary Voting Shares at a price of Rs. 11.60 per share. • Strong demand was recorded from both institutional and retail investors, securing its listing on the Main Board of the Colombo Stock Exchange (CSE). • JF Packaging is a key provider of eco-friendly packaging solutions to the Sri Lankan market, serving major multinationals and leading FMCG brands. • Proceeds from the IPO are earmarked for settling selected term and import loans, a strategic move to strengthen the company’s balance sheet and reduce finance costs.

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Awards & RecognitionsThe news content describes a hotel, Uga Halloowella, receiving a "Runner-Up" honor in the 'Food Hero' category at the prestigious National Geographic Traveller Hotel Awards 2025. This clearly falls under the **Awards & Recognitions** category, as it is centered around an industry award and ranking.

Startups & Entrepreneurship

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HNB Platinum Sponsor for TiECON Colombo 2026: Fuelling Go Global Drive 📈

HNB PLC has been announced as the Platinum Sponsor of TiECON Colombo 2026, Sri Lanka's premier platform for innovation and entrepreneurship, set for early 2026. • Objective: The conference, organized by TiE Colombo, is themed "Go Global Runway to the World" and focuses on shifting local enterprises toward opportunity-driven expansion and global success. • HNB’s Role: As "Sri Lanka’s Partner in Progress," HNB aims to provide local entrepreneurs with the necessary networks, financial tools, and confidence for international expansion. • Key Offerings: TiECON 2026 will serve as a launchpad, offering founders a practical forum to access capital, strategic mentorship, cross-border operations guidance, and actionable market entry insights. • Global Connection: The partnership links local founders to TiE Global’s extensive network of experienced operators, investors, and charter members across 60 chapters worldwide.

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🚀 TiECON Sri Lanka 2026: Launchpad for Global Entrepreneurship

• TiE Colombo is launching TiECON Sri Lanka 2026, the country's premier entrepreneurship summit, scheduled for 9 January 2026 at Cinnamon Life, Colombo. • The core goal is to help Sri Lankan brands transition from local success to international expansion, connecting local ideas with global opportunity. • The agenda focuses on key strategies: regional/global expansion, navigating trade/technology shifts, building competitive advantage using Artificial Intelligence (AI), and forming cross-border partnerships. • The summit is expected to gather over 600 local and international participants and feature 30+ global speakers, including investors, private equity/venture capital professionals, and business leaders. • TiE Sri Lanka's broader vision is to help take 5,000 local entrepreneurs to international markets and scale their businesses globally. • This event offers a direct opportunity for local leaders to connect with global investors and secure vital international networks.

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SLBFE Reintegration Trade Fair Opens Today! 📈

• The Sri Lanka Bureau of Foreign Employment (SLBFE) Emigrant Workers’ Trade Fair is ON TODAY (20 Nov 2025) at Diyatha Uyana, starting 9:00 a.m. • This fair, organized by the Reintegration Division, commemorates SLBFE's 40th anniversary and promotes the entrepreneurial ventures of successful returning migrant workers. • Scale: Features over 60 stalls offering reasonably priced goods. • Products: Items available include clothes, handbags, shoes, spices, beauty culture items, furniture, local medicines, and food items. • The public is encouraged to visit and purchase goods at really low prices to support these returnee entrepreneurs.

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SL's FutFuturity Secures Seed Funding for AI-Driven Workplace Intelligence 📈

• Futurity, Sri Lanka's first AI-native Research & Development studio (a JV of Invos Global & Cyaniq), has successfully closed its seed funding round. • The funding was secured from a distinguished consortium of private investors: • Led by Altaf Jeevunjee (Jaywise Investments). • Includes Mansoor Akbarally (Akbar Brothers) and Chamika Godamanna (Ninehearts Group). • Goal: Introduce invisible, effortless AI-enabled intelligence into everyday work, processes, and teams to eliminate operational friction and elevate human potential in the ICT/BPM space. • Flagship Solutions: • Omni: Document intelligence and knowledge orchestration for smart summarisation and contextual search. • Query: Web intelligence enabling AI-powered conversational navigation for websites. • Outlook: Futurity plans to aggressively grow its footprint in the Sri Lankan market, offering bespoke AI transformation solutions across various use cases (e.g., intelligent knowledge management, AI e-commerce assistants). • New Board: An inaugural Board of Directors has been formed, chaired by investor Mansoor Akbarally.

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Jaffna Artistes & Engada Spot: Pushing for Art's Role in Economic Revival 🎨

• Feature highlights Jaffna youth artists and the cultural-entrepreneurial space "Engada Spot" in Manipay, emphasizing the need to integrate art and artistes into Sri Lanka’s national economy. • The central argument is that art is a core component of the national economy and vital for nurturing the tourism sector beyond mere infrastructure. • Policy/Financial Gaps: Artists report a critical lack of formal recognition by banking and financial lending institutions, which do not offer loans/support to painters, musicians, etc., unlike traditional entrepreneurs. • Northern artists feel isolated and observe greater patronage from foreigners/expatriate Sri Lankans than from local buyers. • Entrepreneurship Cases: • Engada Spot: 8-month-old, art-infused café initiated by architect Karikalan Rishivarman, serving as a dedicated networking niche for Northern artists. • Demithran (Demi Art Creations): Chose art over well-paid IT job offers to pursue art professionally. • Pirunthajini (Art by Piruntha): Established her own gallery in Kokuvil, despite challenges like initial roof leaks damaging work.

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📈 SL GEW 2025: 'Together We Build' - Nationwide Innovation Push

Sri Lanka is set to celebrate Global Entrepreneurship Week (GEW) 2025 from November 17-23, continuing its regional lead in ecosystem development. • Host & Theme: The Information Communication Technology Agency (ICTA) is the national host. The 2025 theme, 'Together We Build', emphasizes collective collaboration among Government, industry, academia, and civil society. • Official Launch: The GEW 2025 will officially launch on November 14 at Temple Trees, Colombo, with Prime Minister Dr. Harini Amarasuriya as Chief Guest. • Scope & Reach: Events will be held nationwide across all nine provinces, supported by dedicated district coordination panels to ensure grassroots engagement and inclusion. • Core Focus: Programming includes workshops, mentoring, and forums focusing on empowering youth, women, and underserved communities. A key goal is promoting sustainable technology adoption and digital literacy across the regions.

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Sarvajana Trust Launches to Boost Grassroots Entrepreneurship 📈

• The Sarvajana Trust, an independent fund dedicated to empowering women and youth, officially launched last week in Colombo. • Led by Principal Trustee MP Dilith Jayaweera and supported by Sarvajana Balaya, the Trust aims to build an "entrepreneurial nation" focused on creating wealth and economic independence for Sri Lankans. • Core Mechanism: The Trust will provide aspiring entrepreneurs with access to crucial funding, mentorship, and essential resources. • Grassroots Focus: Support will be channelled directly to those most in need at the grassroots level through the established Sarvajana Sabha framework at the local government level. • MP Jayaweera stated the focus is on "converting liabilities into assets" by mobilising the country's human capital and setting the stage for an entrepreneurial state, moving away from conventional politics. • Trustees underscored a strong commitment to transparency, governance, and accountability in the disbursement of funds to deserving community members.

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COYLE Leadership Forum 2025: Resilience & Vision for Tomorrow 📈

• The Chamber of Lankan Entrepreneurs (COYLE) hosts the much-anticipated ‘I AM COYLE Leadership Forum 2025’ today (Nov 10) from 5:30 p.m. at the Shangri-La Hotel, Colombo. • The forum is a celebration of resilience, creativity, and leadership, aimed at defining the modern Sri Lankan entrepreneur. • Key sessions will focus on navigating challenges and fostering growth: • Celeste Founder/CEO Janik Jayasuriya on “Born in Crisis, Built for the Future” (Thriving in uncertainty). • Dinuk Hettiarachchi (Nihal Hettiarachchi and Co) discussing “Balancing Legacy with a Vision for Tomorrow.” • Sirocco Group MD Suren Chandraratna sharing his journey in “Forged by Struggle, Defined by Purpose.” • International cricketer and coach Jason Gillespie will provide a global perspective with his keynote, “A Builder of Teams and Business.” • A core focus is empowering business owners and professionals by exploring both entrepreneurship and intrapreneurship—driving innovation and adding value within organizations.

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✨ nVentures & TiE Colombo Launch 'Founder's Table' Mentorship Initiative 🤝

• In celebration of Global Entrepreneurship Month (November 2025), nVentures and TiE Colombo have launched "Founder's Table," a unique initiative to foster authentic one-on-one connections. • Core Format: The program moves away from transactional events, pairing 20 high-potential founders with experienced mentors for an in-person meal and deep conversation. • Focus: Each meeting will explore the theme: "The Moment That Defined My Entrepreneurial Journey," aiming to unlock personal insights and build long-term relationships. • Objective: To strengthen Sri Lanka’s entrepreneurial fabric and startup momentum by prioritizing genuine human connection and inclusive mentorship over pitches and panels. • Strategic Context: This effort underscores the commitment of both organizations to nurturing global-ready entrepreneurs and is a precursor to the TiE Colombo Global Conference 2026.

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📈 SL Legal Talent Goes Global: Teams Squared Connects SL Lawyers to US$ 35 Bn Market

Teams Squared, an Alternative Legal Service Provider (ALSP) with Sri Lankan operations, is redefining the career path for the country's legal talent by connecting them to international law firms and corporate teams. • The startup, founded in 2023, has rapidly scaled, securing 40+ global clients and building a 90+ member remote workforce spanning Sri Lanka, India, the Philippines, and other emerging markets. • This initiative directly addresses the challenge faced by over 1,200 law graduates who qualify annually in Sri Lanka but lack sustainable local or international opportunities. • The firm channels the momentum of the US$ 35 Bn global legal outsourcing market into Sri Lanka, often an overlooked source of expertise in Asia, applying a model similar to ICT/BPM service exports. • Sri Lankan lawyers are now embedded within international teams, providing high-value services (including litigation support, commercial, and IP law) to clients in major jurisdictions like the US, UK, and Australia. • The company recently expanded its global commitment with a new office in Melbourne.

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📈 Union Bank Launches Phase 2 of National Entrepreneurship Program

• Union Bank, through its School of Social Entrepreneurship (UBSSE), recently inaugurated Phase 2 of the National Entrepreneurship Development Program (NEDP) at the University of Moratuwa. • The initiative is a milestone public-private partnership, collaborating with the University of Moratuwa and the National Innovation Agency. • NEDP aims to strengthen Sri Lanka’s entrepreneurial landscape by merging academic excellence, financial empowerment, and innovation leadership. • Phase 2 welcomed over 100 participants, comprising both established business owners and aspiring entrepreneurs with viable business ideas.

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