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Broadbased The Utility Payment Solution

More utility providers and corporates joined the payment scheme
  

Launched The Tea Integrated Payment System

A groundbreaking supplier settlement system to serve Sri Lanka’s large community of private tea manufacturers and tea leaf suppliers

Consolidated The Two Core Banking Solutions

The best of both systems were unified, thus achieving true synergy
  

Developed The Mobile Wallet Solution

A convenient electronic payment and fund management solution that allows users to send and receive funds through their mobile devices instantly

Amalgamated DFCC Bank and DFCC Vardhana Bank

DFCC Bank PLC is the surviving entity
  

Established DFCC Bank's First Ever 'Automated Branch'

at the newly refurbished premises in Negombo

Celebrated DFCC Banks 60th Anniversary

Events for customers and other stakeholders held in all the Regions
  

Upgraded Sri Lanka Postal Units

to fully-fledged branches

Financial Highlights

Group
LKR million Based on current SLFRS
9 months ended
31 December
2015 		Year ended 31 March
2015 2014 2013 2012
Operating Results
Total income 17,503 20,094 20,376 16,630 12,231
Profit before tax 2,553 5,416 4,117 4,431 3,674
Tax expense 912 977 902 870 628
Profit attributable to equity holders of the Bank 1,592 4,362 3,151 3,494 2,966
Statement of Financial Position
Assets
Cash and short-term funds 4,316 6,855 8,043 11,625 5,054
Loans to and receivables from banks
and other customers 		164,945 138,887 117,716 102,477 87,827
Financial investments 66,861 56,699 40,976 27,648 24,433
Investments in associate and joint venture 1,248 1,188 1,029 901 950
Other assets 9,739 6,981 7,231 6,628 4,992
Total assets 247,109 210,610 174,995 149,279 123,256
Liabilities
Due to other customers 110,551 92,712 80,917 62,878 45,682
Other borrowing 87,381 65,874 50,075 46,012 42,492
Other liabilities 5,208 3,761 3,549 3,265 2,317
Equity
Total equity attributable to equity holders
of the Bank 		43,716 47,909 40,121 36,814 32,472
Non-controlling interests 253 354 333 310 293
Total equity and liabilities 247,109 210,610 174,995 149,279 123,256
Return on equity, %* 5.6 14.0 10.9 13.1 10.7
Return on total assets, %* 0.8 2.5 2.1 2.8 3.0
Earnings per share, LKR 6.01 16.46 11.89 13.18 11.19
Net asset value per share, LKR 164.90 180.72 151.34 138.87 122.49
Capital adequacy
Core capital ratio, % 15.39 17.71 18.71 20.84 21.05
Total capital ratio, % 15.32 16.62 17.19 19.37 19.88

*After eliminating fair value reserve.