Bank of Ceylon (BOC) Hits Record Rs. 120.8 Bn PBT in 2025 📈

The banking giant concluded FY2025 with landmark growth, driven by digital innovation and a historic shift toward sustainable finance. • Core Financial Highlights Profit After Tax (PAT): Rs. 76.0 Bn (+18% YoY). Profit Before Tax (PBT): Rs. 120.8 Bn. Total Assets: Rs. 5.5 Tn (+10% YoY). Total Deposits: Rs. 4.4 Tn. Gross Loans: Rs. 2.6 Tn. • Revenue & Efficiency Total Operating Income: Rs. 246.8 Bn (+36% YoY). Net Interest Income (NII): Rs. 206.9 Bn (+24% YoY). Net Interest Margin (NIM): Improved to 3.96% from 3.57%. Stage 3 Loan Ratio: Improved significantly to 5.59% (vs 7.17% in 2024). • Key Milestones & Impact Sustainability: Issued Sri Lanka’s largest Sustainability Bond (Rs. 20 Bn) to fund renewable energy, SMEs, and sustainable agriculture. National Contribution: Total tax contribution to the Govt. reached Rs. 76.7 Bn; donated Rs. 500 Mn to the "Rebuilding Sri Lanka" Fund following Cyclone Ditwah. Innovation: Launched a dedicated ICT subsidiary and the country's first biodegradable corn-based banking card. • Stability & Ratings Capital Adequacy: Tier 1 ratio at 11.44%; Total Capital Ratio at 16.89%. Fitch Rating: Affirmed National Long-Term Rating at 'AA-(lka)'. BOC remains Sri Lanka's No. 1 Brand with a valuation of Rs. 57.4 Bn, focusing 2026 strategies on digital transformation and green growth.