Financial Overview

As your leading partner in national development, SDB bank believes in creating long-term value and augmenting returns to our shareholders, with a clear vision to deliver unparalleled financial services that contribute to empowering customers and improving our national economy. 

Our strategic position as the fastest growing MSME bank in Sri Lanka affords us the license to capitalize on our strength as a reliable enabler for grassroots development, the most promising stakeholder segment in our nation’s economic growth and progress.

  2018 LKR Mn 2017 LKR Mn Change in LKR Mn % Change
Total Assets 96,818 82,375 14,443 18%
Gross Loans and Receivables 79,482 68,105 11,378 17%
Other Financial Assets 17,312 13,822 3,490 25%
Total Liabilities 89,369 75,044 14,325 19%
Customer Deposits 67,475 59,905 7,570 13%
Borrowings 15,421 8,828 6,593 75%
Shareholder’s Funds 7,449 7,331 118 2%
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn
Profit Before Tax 644 753 617 1,111
Profit After Tax 357 508 404 721
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn
Net Interest Income 4,693 3,887 3,330 3,368
Net Fee and Commission Income 222 275 203 215
Other operating income 301 263 57 57
  2018 2017 2016 2015 2014
Net Interest Margin 5.50% 5.57% 5.83% 7.13% 7.48%
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn 2014 LKR Mn
Personnel Expenses 1,827 1,474 1,266 1,115 768
Depreciation & Amortisation 224 192 176 149 116
Other Expenses 1,526 1,364 1,114 943 804
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn 2014 LKR Mn
Total Assets 96,818 82,375 66,033 60,290 40,573
Industry Growth 9% 12% 12% 16% 17%
SDB Growth 18% 25% 10% 49% 36%
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn 2014 LKR Mn
Loans and Advances 77,507 66,687 53,633 45,830 32,060
Industry Growth 14% 20% 18% 21% 14%
SDB Growth 16% 24% 17% 43% 45%
  2018 LKR Mn 2017 LKR Mn 2016 LKR Mn 2015 LKR Mn 2014 LKR Mn
Total Deposits 67,475 59,905 45,692 43,023 30,249
Industry Growth 13% 13% 17% 15% 12%
SDB Growth 13% 31% 6% 42% 28%