DFCC Bank Releases 13th Integrated Annual Report “A Defining Leap in Customer-Centric Banking”

DFCC Bank PLC has released its 13th Integrated Annual Report for the financial year ended 31 December 2025, titled “A Defining Leap in Customer-Centric Banking.” The report outlines the Bank’s financial performance, strategic progress, and sustainability initiatives, illustrating how DFCC Bank continues to strengthen its customer franchise while creating long-term value.

The publication coincides with DFCC Bank’s 70th year of service to Sri Lanka, marking seven decades during which the institution has evolved from a pioneering development finance institution into a fully-fledged commercial bank serving individuals, entrepreneurs, SMEs, corporates, and institutions across the country.

The theme reflects the Bank’s strategic ambition to become the most customer-centric bank and the easiest bank to work with, with a continued focus on improving service quality, simplifying processes, and strengthening customer engagement across both digital and branch networks.

During the year, DFCC Bank further expanded its digital banking capabilities, strengthening platforms such as DFCC ONE and iConnect 2.0, which provide customers with seamless access to payments, transfers, cash management, and trade-related services. These investments form part of the Bank’s broader strategy of combining digital convenience with responsive human service.

The report also highlights another year of strong financial performance, supported by disciplined balance sheet management, improved asset quality, and continued growth across retail, SME, and corporate banking segments.

DFCC Bank also reinforced its leadership in sustainable finance, including the successful issuance of Sri Lanka’s first listed and rated Blue Bond, which mobilises capital for projects supporting marine conservation, water resource protection, and broader environmental sustainability. Further, the Annual Report disclosed the use of proceeds and impact monitoring reports relating to Sri Lanka’s inaugural green bond, with independent limited assurance obtained from an external verifier for the first time.

In line with evolving reporting standards, the Annual Report has been prepared in accordance with the International Integrated Reporting Council’s Integrated Reporting <IR> Framework and introduces enhanced sustainability disclosures. The 2025 sustainability-related disclosures have been further strengthened aligned with the SLFRS S1 and SLFRS S2 Sustainability Disclosure Standards, while adopting the Sustainability Accounting Standards Board (SASB) Commercial Banks Industry Standard (2023-12) for industry-specific sustainability disclosures.  The Bank continues its voluntary sustainability reporting alignment with the Global Reporting Initiative (GRI) Standards.

The report further expands the Bank’s value creation narrative by demonstrating how financial and non-financial resources across six capitals are managed and deployed to generate sustainable long-term value. Complementing this approach, the report outlines strengthened environmental, social, and governance (ESG) oversight structures , reflecting DFCC Bank’s continued integration of sustainability considerations into strategy, risk management, and lending decisions.

Through its 2025 Integrated Annual Report, DFCC Bank demonstrates how an institution with deep development banking roots continues to evolve as a modern commercial bank, combining financial discipline, responsible capital allocation, and customer-focused innovation.

As DFCC Bank enters its eighth decade, the institution remains committed to widening economic opportunity, strengthening trust, and supporting Sri Lanka’s long-term development, while continuing to deliver sustainable value for customers, shareholders, and the wider community.

The report can be accessed on the following links.

PDF - https://www.dfcc.lk/investor/reports/annual-reports 

HTML - https://dfcc2025.annualreports.lk

About DFCC Bank

DFCC Bank PLC, established in 1955 and listed on the Colombo Stock Exchange since 1956, is one of Sri Lanka’s leading financial institutions. Regulated by the Central Bank of Sri Lanka and rated A (lka) by Fitch Ratings, the Bank offers a comprehensive portfolio of retail, corporate, and SME banking services, along with treasury, investment, and trade finance solutions.

With customer centricity and sustainable innovation at its core, DFCC Bank delivers seamless and secure banking experiences, which include digital platforms like DFCC MySpace, and through a network of 133 branches and access to over 6,000 ATMs via the LankaPay network.

A recognised leader in sustainable finance and renewable energy initiatives, DFCC Bank is committed to reducing environmental impact and fostering long-term economic resilience.