Purposeful Strategy

Value Creation Process

CAPITAL INPUTS
Financial Capital
  • Rs 166.5 Bn shareholders’ funds
  • Rs 1,469.2 Bn deposits
  • Rs 77.2 Bn other borrowings
  • Rs 138.7 Bn market capitalisation
Digital Capital
  • 20+ digital channels and platforms
  • Rs 523 Mn investment in software
  • Rs 160 Mn invested to enhance information and cyber security
Human Capital
  • 4,428 multi-skilled and motivated team
  • Diverse and experienced senior management
  • Rs 202 Mn invested in training and professional studies
  • Competitive remuneration
Natural Capital
  • 12,579 GJ (3,494,136 kWh) energy consumption at Head Office
  • 26,575 m3 water consumption at Head Office
  • Rs 25 Mn investment in branch solarisation programme
  • Environmental and Social Risk Management System (ESMS)
Manufactured Capital
  • 229 branches island-wide
  • 789 ATMs, CDMs and CRMs
  • 1,252 eZ banking agents
  • 32 digital banking centres
Intellectual Capital
  • Rs 25.7 Bn brand value (Brand Finance, 2023)
  • 15+ brand building activities conducted
  • Organisational tacit knowledge
Social and Relationship Capital
  • 3.6 Mn+ customer base
  • Relationships with 532 correspondent banks
  • A strong reliable supplier network of 685
  • Relationships with communities
  • Investment in CSR projects Rs 60 Mn
  • Prioritise local sourcing
VALUE TRANSFORMATION PROCESS
Our Purpose

Empower dreams and enrich lives

Our Vision

To be the leader in transforming lives by unlocking financial potential with innovation, integrity and empathy, while nurturing financial well-being, sustainable growth and economic prosperity

VALUES AND CORPORATE CULTURE
DELIVERED THROUGH
Business Lines
  • SME and Retail Banking
  • Corporate Banking
  • Treasury
Support Functions
  • Operational support
  • Legal, Administration and HR support
  • IT and data support
  • Customer Care Centre
  • Other business units
Strategic Objectives
  • Competitive positioning
  • Operational excellence
  • Cost management
  • Customer experience
  • Business resilience
  • Corporate citizenship
OUTPUTS
Rs 87.3 Bn | 10%
Growth in loans and advances
Rs 27.3 Bn | 59%
Profits generated
Rs 204.7 Bn | 16%
Growth in deposits
40.5 Mn | 18%
Transactions through digital channels
Rs 3,398 Bn | 21%
Value of transactions through digital channels
4
New products launched
9,521 tCO2e | 8%
Carbon footprint
CAPITAL OUTCOMES / STAKEHOLDERS IMPACTED
Financial Capital
  • Profit after tax Rs 27.3 Bn (+59%)
  • Earnings per share Rs 23.30 (+59%)
  • Dividend per share Rs 9.35 (+60%)
  • Return on equity (after tax) 17.74% (+509 bps)
  • Return on assets (before tax) 2.84% (+72 bps)
  • Total equity Rs 166.5 Bn (+13%)
Manufactured Capital
  • 100,719 transactions channelled through eZ banking agents
  • Rs 2,236 Mn investment in property, plant and equipment
Digital Capital
  • 156,457 subscribers on Sampath Vishwa Retail
  • 40.5 Mn number of transactions through digital channels
  • Rs 3,398 Bn of transactions through digital channels
  • Zero non-conformities of ISO 27001 Annual Surveillance Audit
Intellectual Capital
  • 11 awards and accolades
  • 4 new products
  • 5 process improvements
Human Capital
  • Payments to employees Rs 18.1 Bn (+27%)
  • Training hours per employee 45 (+30%)
  • 16 health and well-being programmes
  • Employee satisfaction rate 86% (+100 bps)
  • Employee retention rate 96.8% (+80 bps)
Social and Relationship Capital
  • 98.2% customer complaint resolution
  • Rs 155 Mn 'Sanhinda Saver' free medical benefits provided
  • 48 social and community CSR projects conducted
  • Rs 48.9 Mn investment in social and community CSR initiatives
  • 6,208 beneficiaries of ‘Wewata Jeewayak’ programme
  • 5,298 beneficiaries of the 'Sampath Saviya' entrepreneurship development programme
  • 1,052 internship opportunities provided through Corporate Leadership programme
Natural Capital
  • Solar power generated through the branch network 664,600 kWh (+36%)
  • Environmental impact financing for renewable energy projects Rs 1,440 Mn
  • Carbon footprint 9,521 tCO2e (-8%)
  • 830 borrowers screened for environmental and social considerations through ESMS
  • 37,629 kg of paper recycled without landfilling
  • 28 biodiversity conservation and other environment related CSR projects conducted
  • Rs 11.1 Mn investment in environmental CSR initiatives
  • 4,428 team members joined SNaPC for environmental conservation efforts
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