📈 RDB Marks Strong 1Q 2026 with 187% Net Profit Surge

Sri Lanka’s Regional Development Bank (RDB) commenced FY2026 on a powerful footing, driven by a national mandate for financial inclusion, process automation, and extensive support for regional entrepreneurs, agricultural communities, and small and medium enterprises (SMEs). Overall Financial Performance • Net Profit (PAT): Surged by 187.3% to Rs. 1.08 Bn, up from Rs. 377 Mn in 1Q 2025. • Pre-Tax Profit (PBT): Grew 103% YoY to Rs. 1.87 Bn. • Interest Income: Increased by 11% to Rs. 10.64 Bn, maintaining a Net Interest Margin (NIM) of 6.9%. • Net Fee-Based Income: Skyrocketed by 223% to Rs. 604.67 Mn, up from Rs. 187.18 Mn. • Net Operating Income: Expanded by 27.5% to Rs. 6.65 Bn. Balance Sheet & Efficiency Ratios • Total Assets: Expanded to Rs. 366 Bn during the quarter (from Rs. 362 Bn). • Portfolios: Maintained a gross loan portfolio of Rs. 323 Bn and deposits of Rs. 286 Bn. • Profitability Metrics: Return on Equity (ROE) jumped to 19.27% (vs 11.77% in 2025), while Return on Assets (ROA) rose to 2.05%. Stability & Asset Quality • Capital Ratios: Common Equity Tier 1 stood at 9.59% (regulatory minimum: 7%) and Total Capital Ratio reached 14.07% (minimum: 12.5%). • Liquidity: Held a robust Liquidity Coverage Ratio of 135%, well above the 100% minimum. • Asset Quality: Stage 3 (impaired) loans ratio was successfully contained at 3.77%. • Credit Rating: Retained its 'BBB+ Stable' rating from Lanka Rating Agency.