Commercial Bank Makes History: First Private Lender to Cross Rs. 2 Tn Loan Mark 📈

Commercial Bank of Ceylon (ComBank) achieved a historic milestone in 2025, recording the highest annual loan growth in its history to spearhead Sri Lanka’s private sector banking and finance recovery. • Overall Performance Gross loans and advances surged by 36.37% (Rs. 541 Bn) to reach Rs. 2.028 Tn. Total assets climbed to Rs. 3.258 Tn, reflecting a 16.78% increase YoY. Net profit for the Bank stood at Rs. 58.49 Bn, a 44.05% growth over 2024's normalized figures. • Deposit & Liquidity Trends Total deposits grew by 16.65% to Rs. 2.6 Tn, averaging over Rs. 30 Bn in monthly inflows. The CASA ratio—a key indicator of low-cost funding—improved to 39.65%. Net Interest Income (NII) rose by 18.97% to Rs. 136.29 Bn. • Asset Quality & Operations Net impaired loans (Stage 3) ratio improved significantly to 1.54% from 2.76% YoY. The Bank remains a top lender to the SME sector and a major foreign income generator via operations in Bangladesh and the Maldives. Tier 1 and Total Capital Ratios remained robust at 13.04% and 16.70% respectively, well above regulatory requirements. • Efficiency Cost-to-income ratio (excluding taxes) improved to 29.66% from 33.94%. Net assets value per share increased to Rs. 198.30. I can provide a more detailed breakdown of the Bank's digital banking growth or its SME lending impact if you'd like.