As at 31 March		2022	2021
	Note	Rs. ’000	Rs. ’000
Assets
Cash and cash equivalents	20	2,023,974	2,090,509
Financial assets measured at fair value through profit or loss (FVTPL)	21	148,685	160,639
Derivative financial assets	32	1,121,320	198,046
Loans and receivables to banks	22	240,435	2,966,711
Deposits with financial institutions	23	8,292,576	3,003,275
Loans and receivables to customers	24	78,725,310	75,058,331
Other investment securities	25	6,576,030	2,669,959
Investment property	26	–	20,198
Property, plant and equipment	27	3,351,990	3,090,338
Intangible assets	28	136,078	116,476
Goodwill on amalgamation	29	156,489	244,180
Retirement benefit assets	38	407,807	–
Right-of-use assets	30	768,480	797,001
Other assets	31	3,470,809	3,915,306
Total assets		105,419,983	94,330,969
Liabilities
Derivative financial liabilities	32	–	13,142
Deposits from customers	33	52,216,802	48,999,341
Debt securities issued and subordinated debt	34	5,726,897	6,273,163
Other interest-bearing borrowings	35	24,709,737	20,536,662
Lease liabilities	30	802,503	810,682
Current tax liabilities	36	1,400,532	1,220,992
Deferred tax liabilities	37	630,110	376,460
Retirement benefit obligation	38	–	9,098
Other liabilities	39	2,285,327	2,039,209
Total liabilities		87,771,908	80,278,749
Equity
Stated capital	40	2,361,947	2,350,363
Reserves	41	2,829,785	2,495,581
Retained earnings	42	12,456,343	9,206,276
Total equity		17,648,075	14,052,220
Total liabilities and equity		105,419,983	94,330,969
Net assets value per share (Rs.)	43	252.63	201.34
Contingencies and commitments	44	3,466,696	2,704,783

The Notes to the Financial Statements form 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.

J R Alastair Corera
Chairman

C M Nanayakkara
Managing Director/CEO

17 June 2022

Colombo