DFCC Bank maintained its robust performance for the period ended 30 September 2025, underscoring its financial resilience and the success of its strategic initiatives. The Bank delivered solid results during this period, with consistent growth across key performance indicators. Loan and deposit volumes expanded meaningfully, while Net Interest Income rose by 11%, reflecting disciplined asset-liability management and robust strategic initiatives. This performance highlights the Bank’s ongoing emphasis on credit expansion and funding optimisation, reaffirming its commitment to creating long-term value for both shareholders and customers.
DFCC Bank sustained its focus on balance sheet growth, recording a 26% increase in loans and a 22% increase in deposits – driven by a strategy designed to capitalise on the easing interest rate environment. This growth aligns with DFCC Bank’s continued support for national economic recovery through targeted lending. Reflecting broader market dynamics, private sector credit also showed a strong upward trend, fuelled by lower interest rates and a rebound in economic activity. The modest increase in interest income for the period marked a turnaround from earlier periods affected by rate compression, enabled by growth in lending volumes and a stronger CASA base.
In Q3 2025, DFCC Bank also marked a major milestone with the launch of Sri Lanka’s first Blue Bond – an LKR 3 Bn initiative to support ocean-positive SMEs and climate adaptation, further reinforcing its leadership in sustainable finance. The Bank also commemorated its 70th anniversary during the quarter by introducing a suite of special Fixed Deposit products to reward loyal customers and deepen relationships.
In recognition of its continued impact, DFCC Bank was officially certified as a Great Place to Work, and was ranked 4th in the AICPA & CIMA Top 20 Employers in Sri Lanka. It was also declared as the Best Bank in MSME Acceleration at the ICC Emerging Asia Banking Awards 2025. Other accolades included recognition among Sri Lanka’s Top 30 Most Valuable and Strongest Brands by Brand Finance (ranked 27th), and wins at SLIM Digis 2.5 for Best Use of AI Technologies (Merit) and Best SEO/SEM Campaign (Silver).
This commentary relates to the unaudited financial statements for the period ended 30 September 2025, presented in accordance with Sri Lanka Accounting Standard 34 (LKAS 34) on Interim Financial Statements.
