Basel III Disclosure Requirements
TABLE - 1: Key Regulatory Ratios - Capital and Liquidity
Bank | Group | |||
As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | |
Regulatory Capital (Rs 000) | ||||
Common Equity Tier I Capital | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Total Tier I Capital | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Total Capital | 159,074,226 | 152,522,320 | 170,513,013 | 163,818,916 |
Regulatory Capital Ratios (%) | ||||
Common Equity Tier I Capital Ratio (minimum requirement - 8.00%) | 15.64 | 16.75 | 15.89 | 17.10 |
Total Tier I Capital Ratio (minimum requirement - 9.50%) | 15.64 | 16.75 | 15.89 | 17.10 |
Total Capital Ratio (minimum requirement - 13.50%) | 19.16 | 19.38 | 19.26 | 19.65 |
Leverage Ratio (minimum requirement - 3% ) | 6.58 | 7.24 | 6.87 | 7.58 |
Regulatory Liquidity | ||||
Total Stock of High-Quality Liquid Assets (Rs 000) | 802,140,779 | 755,845,414 | n/a | n/a |
Liquidity Coverage Ratio (%) - Rupee (minimum requirement: 100%) | 387.31 | 340.11 | n/a | n/a |
Liquidity Coverage Ratio (%) - All currency (minimum requirement: 100%) | 312.11 | 307.36 | n/a | n/a |
Net Stable Funding Ratio (%) (minimum requirement: 100%) | 198.59 | 198.66 | n/a | n/a |
Bank | Group | |||
As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | |
Common Equity Tier I (CET I) Capital after adjustments | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Common Equity Tier I (CET I) Capital | 145,168,652 | 145,328,039 | 153,014,810 | 153,174,197 |
Stated capital | 48,741,119 | 48,741,119 | 48,741,119 | 48,741,119 |
Statutory reserve fund | 7,903,997 | 7,985,000 | 8,278,997 | 8,358,000 |
Published retained earnings/(Accumulated retained losses) | 2,596,370 | 2,692,327 | 10,067,528 | 10,165,485 |
Published accumulated other comprehensive income (OCI) | 5,898,670 | 5,898,670 | 5,898,670 | 5,898,670 |
General and other disclosed reserves | 80,028,496 | 80,010,923 | 80,028,496 | 80,010,923 |
Unpublished current year's profit/loss and gains reflected in OCI | - | - | - | - |
Ordinary shares issued by consolidated banking and financial subsidiaries of the Bank and held by third parties | - | - | - | - |
Total adjustments to CET I Capital | 15,331,209 | 13,561,955 | 12,337,778 | 10,612,299 |
Goodwill (net) | - | - | - | - |
Intangible assets (net) | 994,149 | 888,711 | 1,009,097 | 899,752 |
Deferred tax assets (net) | 12,568,991 | 10,934,412 | 11,328,681 | 9,712,547 |
Defined benefit pension fund assets | - | - | - | - |
Others (Investments in the capital of banking & financial institutions) | 1,768,069 | 1,738,832 | - | - |
Additional Tier I (AT I) Capital after adjustments | - | - | - | - |
Additional Tier I (AT I) Capital | - | - | - | - |
Tier II Capital after adjustments | 29,236,783 | 20,756,236 | 29,835,981 | 21,257,018 |
Tier II Capital | 29,236,783 | 20,756,236 | 29,835,981 | 21,257,018 |
Qualifying Tier II capital instruments | 18,600,000 | 10,700,000 | 18,600,000 | 10,700,000 |
Revaluation gains | 1,243,805 | 1,243,805 | 1,243,805 | 1,243,805 |
Stage 1 & 50% of stage 2 impairment provision subject to 1.25% of credit risk RWA | 9,392,978 | 8,812,431 | 9,992,176 | 9,313,213 |
Instruments issued by consolidated banking and financial subsidiaries of the Bank and held by third parties | - | - | - | - |
Total adjustments to Tier II | - | - | - | - |
CET I Capital | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Total Tier I Capital | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Total Capital | 159,074,226 | 152,522,320 | 170,513,013 | 163,818,916 |
Total Risk Weighted Assets (RWA) | 830,226,855 | 786,841,091 | 885,286,711 | 833,824,684 |
RWAs for Credit Risk (refer table No. 3) | 751,438,203 | 704,994,453 | 799,374,095 | 745,057,021 |
RWAs for Operational Risk (refer table No. 5) | 75,379,874 | 77,382,536 | 82,503,838 | 84,303,561 |
RWAs for Market Risk (refer table No. 6) | 3,408,778 | 4,464,102 | 3,408,778 | 4,464,102 |
CET I Capital Ratio (%) | 15.64 | 16.75 | 15.89 | 17.10 |
of which: Capital Conservation Buffer (%) | 2.50 | 2.50 | 2.50 | 2.50 |
of which: Countercyclical Buffer (%) | - | - | - | - |
of which: HLA requirement on D-SIBs (%) | 1 | - | 1 | - |
Total Tier I Capital Ratio (%) | 15.64 | 16.75 | 15.89 | 17.10 |
Total Capital Ratio (%) | 19.16 | 19.38 | 19.26 | 19.65 |
of which: Capital Conservation Buffer (%) | 2.50 | 2.50 | 2.50 | 2.50 |
of which: Countercyclical Buffer (%) | - | - | - | - |
of which: HLA requirement on D-SIBs (%) | 1 | - | 1 | - |
Asset Class | Exposures before Credit Conversion Factor (CCF) and CRM | Exposures post CCF and CRM | RWA and RWA density | |||
On-Balance sheet amount Rs 000 | Off-Balance sheet amount Rs 000 | On-Balance sheet amount Rs 000 | Off-Balance sheet amount Rs 000 | RWA Rs 000 | RWA density (%) | |
Claims on central government and CBSL | 779,143,424 | - | 779,143,424 | - | 4,801,851 | 0.6 |
Claims on Foreign Sovereigns and their Central Banks | 71,687,245 | - | 71,687,245 | - | - | - |
Claims on public sector entities | 10,555,788 | - | 534,100 | - | 300,019 | 56.2 |
Claims on banks | 76,441,107 | - | 76,441,107 | - | 25,389,782 | 33.2 |
Claims on financial institutions | 54,095,947 | 330,709 | 54,095,947 | 171,213 | 32,352,227 | 59.6 |
Claims on corporates | 480,922,199 | 580,011,413 | 437,866,358 | 51,706,270 | 434,679,704 | 88.8 |
Retail claims | 296,880,729 | 14,605,034 | 261,437,750 | 9,635,650 | 138,472,973 | 51.1 |
Claims secured by residential property | 57,253,084 | - | 57,253,084 | - | 27,010,552 | 47.2 |
Non-performing assets | 51,161,464 | - | 51,161,464 | - | 53,678,091 | 104.9 |
Higher-risk categories | 1,316,055 | - | 1,316,055 | - | 3,290,138 | 250.0 |
Cash items and other assets | 56,405,483 | - | 56,405,483 | - | 31,462,866 | 55.8 |
1,935,862,525 | 594,947,156 | 1,847,342,017 | 61,513,133 | 751,438,203 | 39.4 | |
Asset Class | Exposures before Credit Conversion Factor (CCF) and CRM | Exposures post CCF and CRM | RWA and RWA density | |||
On-Balance sheet amount Rs 000 | Off-Balance sheet amount Rs 000 | On-Balance sheet amount Rs 000 | Off-Balance sheet amount Rs 000 | RWA Rs 000 | RWA density (%) | |
Claims on central government and CBSL | 792,759,835 | - | 792,759,835 | - | 4,801,851 | 0.6 |
Claims on Foreign Sovereigns and their Central Banks | 71,687,245 | - | 71,687,245 | - | - | - |
Claims on public sector entities | 10,555,788 | - | 534,100 | - | 300,019 | 56.2 |
Claims on banks | 76,471,922 | - | 76,471,922 | - | 25,395,945 | 33.2 |
Claims on financial institutions | 50,642,646 | 330,709 | 50,642,646 | 171,213 | 30,625,577 | 60.3 |
Claims on corporates | 478,618,425 | 578,696,237 | 435,562,584 | 51,444,035 | 432,113,695 | 88.7 |
Retail claims | 353,160,632 | 14,605,034 | 317,415,154 | 9,635,650 | 179,699,393 | 54.9 |
Claims secured by residential property | 57,253,084 | - | 57,253,084 | - | 27,010,552 | 47.2 |
Non-performing assets | 53,181,829 | - | 53,181,829 | - | 56,682,946 | 106.6 |
Higher-risk categories | - | - | - | - | - | - |
Cash items and other assets | 67,942,915 | - | 67,942,915 | - | 42,744,117 | 62.9 |
2,012,274,321 | 593,631,980 | 1,923,451,314 | 61,250,898 | 799,374,095 | 40.3 | |
Risk Weight Asset Class | 0% Rs 000 | 20% Rs 000 | 35% Rs 000 | 50% Rs 000 | 60% Rs 000 | 75% Rs 000 | 100% Rs 000 | 150% Rs 000 | 250% Rs 000 | Total credit exposures amount Rs 000 |
Claims on central government and CBSL | 755,134,168 | 24,009,256 | - | - | - | - | - | - | - | 779,143,424 |
Claims on Foreign Sovereigns and their Central Banks | 71,687,245 | - | - | - | - | - | - | - | - | 71,687,245 |
Claims on public sector entities | - | - | - | 468,162 | - | - | 65,938 | - | - | 534,100 |
Claims on banks | - | 45,465,537 | - | 29,415,291 | - | - | 1,502,778 | 57,501 | - | 76,441,107 |
Claims on financial institutions | - | - | - | 43,829,866 | - | - | 10,437,294 | - | - | 54,267,160 |
Claims on corporates | - | 68,293,661 | - | 520,766 | - | - | 420,753,426 | 4,775 | - | 489,572,628 |
Retail claims | 88,811,795 | 6,087,932 | - | - | 31,613,492 | 105,091,558 | 39,468,623 | - | - | 271,073,400 |
Claims secured by residential property | - | - | 46,526,973 | - | - | - | 10,726,111 | - | - | 57,253,084 |
Non-performing assets | - | - | - | 1,678,969 | - | - | 42,770,273 | 6,712,222 | - | 51,161,464 |
Higher-risk categories | - | - | - | - | - | - | - | - | 1,316,055 | 1,316,055 |
Cash items and other assets | 24,942,617 | - | - | - | - | - | 31,462,866 | - | - | 56,405,483 |
940,575,825 | 143,856,386 | 46,526,973 | 75,913,054 | 31,613,492 | 105,091,558 | 557,187,309 | 6,774,498 | 1,316,055 | 1,908,855,150 |
Risk Weight Asset Class | 0% Rs 000 | 20% Rs 000 | 35% Rs 000 | 50% Rs 000 | 60% Rs 000 | 75% Rs 000 | 100% Rs 000 | 150% Rs 000 | 250% Rs 000 | Total credit exposures amount Rs 000 |
Claims on central government and CBSL | 768,750,579 | 24,009,256 | - | - | - | - | - | - | - | 792,759,835 |
Claims on Foreign Sovereigns and their Central Banks | 71,687,245 | - | - | - | - | - | - | - | - | 71,687,245 |
Claims on public sector entities | - | - | - | 468,162 | - | - | 65,938 | - | - | 534,100 |
Claims on banks | - | 45,496,352 | - | 29,415,291 | - | - | 1,502,778 | 57,501 | - | 76,471,922 |
Claims on financial institutions | - | - | - | 40,376,565 | - | - | 10,437,294 | - | - | 50,813,859 |
Claims on corporates | - | 68,293,661 | - | 520,766 | - | - | 418,187,417 | 4,775 | - | 487,006,619 |
Retail claims | 103,137,438 | 6,633,817 | - | - | 31,613,492 | 105,046,091 | 80,619,966 | - | - | 327,050,804 |
Claims secured by residential property | - | - | 46,526,973 | - | - | - | 10,726,111 | - | - | 57,253,084 |
Non-performing assets | - | - | - | 1,678,969 | - | - | 42,821,658 | 8,681,202 | - | 53,181,829 |
Higher-risk categories | - | - | - | - | - | - | - | - | - | - |
Cash items and other assets | 25,198,798 | - | - | - | - | - | 42,744,117 | - | - | 67,942,915 |
968,774,060 | 144,433,086 | 46,526,973 | 72,459,753 | 31,613,492 | 105,046,091 | 607,105,279 | 8,743,478 | - | 1,984,702,212 |
Business lines | Bank | Group | ||||||||
Capital charge factor | Fixed factor | Gross income/Average loans & advances | Capital charge factor | Fixed factor | Gross income/Average loans & advances | |||||
1st Year Rs 000 | 2nd Year Rs 000 | 3rd Year Rs 000 | 1st Year Rs 000 | 2nd Year Rs 000 | 3rd Year Rs 000 | |||||
The Alternative Standardised Approach | ||||||||||
Corporate finance | 18% | 12,190,361 | 3,221,742 | 2,823,870 | 18% | 12,190,361 | 3,221,742 | 2,823,870 | ||
Trading and sales | 18% | 22,231,911 | 30,830,827 | 24,950,071 | 18% | 25,434,668 | 36,673,698 | 32,414,703 | ||
Payment and settlement | 18% | 52,364 | 29,595 | 231,297 | 18% | 52,364 | 29,595 | 231,297 | ||
Agency services | 15% | (4) | - | 243,145 | 15% | (4) | - | 243,145 | ||
Asset management | 12% | - | - | - | 12% | - | - | - | ||
Retail brokerage | 12% | - | - | - | 12% | - | - | - | ||
Retail banking | 12% | 3.50% | 487,734,596 | 444,002,837 | 441,737,475 | 12% | 3.50% | 487,734,596 | 444,002,837 | 441,737,475 |
Commercial banking | 15% | 3.50% | 481,208,043 | 443,298,637 | 474,086,899 | 15% | 3.50% | 476,551,569 | 437,721,344 | 467,817,591 |
82,503,838
11,138,018
Capital Charge (Rs 000) | 10,176,283 |
Risk Weighted Amount (Rs 000) | 75,379,874 |
Method
Item | Bank Rs 000 | Group Rs 000 |
(a) Capital Charge for Interest Rate Risk | 28,439 | 28,439 |
General interest rate risk | 28,439 | 28,439 |
Specific interest rate risk | - | - |
(b) Capital Charge for Equity | - | - |
General equity risk | - | - |
Specific equity risk | - | - |
(c) Capital Charge for Foreign Exchange & Gold | 431,746 | 431,746 |
(d) Capital Charge (a) + (b) + (c) | 460,185 | 460,185 |
Risk Weighted Amount (d) * 100/12.5 | 3,408,778 | 3,408,778 |
As at 30th June 2025 | As at 31st December 2024 | |||
Total Un-weighted Value Rs 000 | Total Weighted Value Rs 000 | Total Un-weighted Value Rs 000 | Total Weighted Value Rs 000 | |
Total Stock of High-Quality Liquid Assets (HQLA) | 804,105,876 | 802,140,779 | 757,963,346 | 755,845,414 |
Level 1 assets | 791,005,230 | 791,005,230 | 743,843,796 | 743,843,796 |
Level 2A assets | 13,100,646 | 11,135,549 | 14,119,550 | 12,001,618 |
Level 2B assets | - | - | - | |
Total Cash Outflows | 1,973,403,368 | 380,767,468 | 1,833,902,367 | 372,147,502 |
Deposits | 1,613,570,132 | 302,868,685 | 1,469,221,867 | 268,961,235 |
Unsecured wholesale funding | 7,596,156 | 7,596,156 | 9,912,063 | 9,912,063 |
Secured funding transactions | 28,802,029 | - | 26,610,320 | - |
Undrawn portion of committed (irrevocable) facilities and other contingent funding obligations | 266,365,073 | 13,232,649 | 247,333,393 | 12,449,480 |
Additional requirements | 57,069,978 | 57,069,978 | 80,824,724 | 80,824,724 |
Total Cash Inflows | 158,160,897 | 123,760,075 | 154,302,841 | 126,230,667 |
Maturing secured lending transactions backed by collateral | 35,989,497 | 27,663,695 | 26,910,052 | 24,935,833 |
Committed facilities | - | - | - | - |
Other inflows by counterparty which are maturing within 30 days | 57,677,018 | 42,408,051 | 39,417,085 | 26,029,760 |
Operational deposits | 10,806,053 | - | 12,710,630 | - |
Other cash inflows | 53,688,329 | 53,688,329 | 75,265,074 | 75,265,074 |
Total Net Cash Outflows | 1,815,242,472 | 257,007,392 | 1,679,599,526 | 245,916,835 |
Liquidity Coverage Ratio (%) (Stock of High-Quality Liquid Assets/Total Net Cash Outflows ) * 100 | 312.11 | 307.36 | ||
TABLE - 8: Leverage Ratio
Bank | Group | |||
As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | As at 30th June 2025 Rs 000 | As at 31st December 2024 Rs 000 | |
Total Tier I Capital | 129,837,443 | 131,766,084 | 140,677,032 | 142,561,898 |
Total Exposure | 1,972,363,957 | 1,818,842,083 | 2,049,124,495 | 1,880,355,677 |
On-balance sheet exposure (excluding derivatives and securities financing transactions and asset amount adjusted in Basel III Tier I capital) | 1,900,156,166 | 1,762,871,894 | 1,964,797,022 | 1,819,279,950 |
Derivative exposure | 2,355,282 | 1,421,244 | 2,355,282 | 1,421,244 |
Securities financing transaction exposure | 15,395,205 | 3,746,911 | 27,764,186 | 9,342,754 |
Other off-balance sheet exposure | 54,457,304 | 50,802,034 | 54,208,005 | 50,311,729 |
Basel III Leverage Ratio (%) (Total Tier I Capital /Total Exposure)*100 | 6.58 | 7.24 | 6.87 | 7.58 |