📈 CDB Surpasses Rs. 200 Bn Asset Milestone with Record FY26 Profits

Citizens Development Business Finance PLC (CDB) reported strong financial performance for the year ended 31 March 2026, driven by economic stabilization and structural growth. Overall Financial Highlights • Total assets expanded by 37% YoY to Rs. 214.7 Bn, crossing a historic landmark. • Net Profit After Tax (PAT) increased by 12% YoY to Rs. 4.5 Bn, while Profit Before Tax reached Rs. 8.2 Bn. • Gross income grew by 18% YoY to Rs. 30.2 Bn. • The Board declared a total dividend payout of Rs. 1.25 Bn (up 16.67% YoY) and completed a 1-for-10 share subdivision in April 2026 to boost market liquidity. Portfolio & Asset Quality • The lending portfolio grew by 53% YoY to Rs. 169.2 Bn, backed by new disbursements exceeding Rs. 110 Bn. • Asset quality improved significantly, with the Net Non-Performing Loan (NPL) Ratio dropping to 1.53% from 3.1% last year due to automated credit decisioning. Digital & Tech Transformation • CDB is transitioning into an AI-enabled organization, deploying generative and agentic AI across business functions. • Users on the CDB SELF platform grew by 93% YoY, with digital channels now handling 74% of total customer transactions. Sustainability & Social Impact • The green financing portfolio exceeded Rs. 31 Bn to support renewable energy and electric mobility, targeting a 30% reduction in carbon intensity over 5 years. • Invested Rs. 49 Mn in community projects, including the Sisudiri Scholarship and Smart Computer Labs.