As at 31 March	Note	2023 Rs. ’000	2022 Rs. ’000
Assets
Cash and cash equivalents	20	3,267,193	2,023,974
Financial assets measured at fair value through profit or loss (FVTPL)	21	37,041	148,685
Derivative financial assets	32	925,656	1,121,320
Loans and receivables to banks	22	1,166,430	240,435
Deposits with financial institutions	23	7,218,324	8,292,576
Loans and receivables to customers	24	76,476,889	78,725,310
Other investment securities	25	7,519,968	6,576,030
Investment property	26	535,000	–
Property, plant and equipment	27	3,382,065	3,351,990
Intangible assets	28	265,691	136,078
Goodwill on amalgamation	29	45,225	156,489
Retirement benefit assets	38	331,313	407,807
Right-of-use assets	30	782,533	768,480
Other assets	31	3,212,383	3,470,809
Total assets		105,165,711	105,419,983
Liabilities
Deposits from customers	33	62,875,226	52,216,802
Debt securities issued and subordinated debt	34	3,850,182	5,726,897
Other interest-bearing borrowings	35	16,610,517	24,964,628
Lease liabilities	30	832,102	802,503
Current tax liabilities	36	1,053,990	1,400,532
Deferred tax liabilities	37	403,901	630,110
Other liabilities	39	1,349,572	2,030,436
Total liabilities		86,975,490	87,771,908
Equity
Stated capital	40	2,361,947	2,361,947
Reserves	41	4,531,003	2,829,785
Retained earnings	42	11,297,271	12,456,343
Total equity		18,190,221	17,648,075
Total liabilities and equity		105,165,711	105,419,983
Net assets value per share (Rs.)	43	260.40	252.63
Contingencies and commitments	44	4,550,869	4,547,705

The Notes to the Financial Statements an integral part of these Financial Statements.

I certify that these Financial Statements have been prepared in compliance with the requirements of the Companies Act No. 07 of 2007 and Finance Business Act No. 42 of 2011.

Damith Tennakoon
Deputy CEO/Director/CFO

The Board of Directors is responsible for the preparation and the presentation of these Financial Statements.

Approved and signed for and on behalf of the Board.

28 June 2023
Colombo