DFCC Bank profits rise in 2025
View(s):DFCC Bank in 2025 reported a Profit Before Tax (PBT) of Rs. 15,582 million and a Profit After Tax (PAT) of Rs. 11,060 million, representing a 32 per cent increase over the previous year’s PAT of Rs. 8,353 million.
Including the gain arising from the disposal of its stake in Acuity Partners (Pvt) Ltd, subsequently renamed HNB Investment Bank (Pvt) Ltd, total PAT for the year increased to Rs. 16,028 million, the bank said in a media release.
At group level, PBT was Rs. 15,953 million and PAT was Rs. 11,231 million from continuing operations, compared to Rs. 13,820 million and Rs. 8,554 million respectively in 2024.
The bank’s Return on Assets (ROA) before tax from continuing operation maintained at 2 per cent, while Return on Equity (ROE) after tax from continuing operation stood at 11.55 per cent for 2025, compared to 10.99 per cent in 2024.
Interest income increased by 6 per cent during the year, while interest expenses were effectively contained, reflecting disciplined margin management in a lower-rate environment. Loan portfolio expansion of 31 per cent supported this performance, with a strategic focus on quality asset growth.
The Stage 3 impaired loan ratio improved to 4.55 per cent as at end December 2025, from 5.63 per cent a year earlier, supported by recoveries and portfolio expansion. Impairment provisions were prudently calibrated to reflect model updates and risk buffers across higher-risk customer base including customers who affected by Cyclone Ditwah and requesting relief under the temporary debt relief schemes.
According to CEO Thimal Perea, 2025 was marked by significant strategic milestones. The signing of the binding Business Sale Agreement to acquire the Wealth and Retail Banking operations of Standard Chartered Bank in Sri Lanka represented a transformative step in strengthening the bank’s retail and wealth franchise.
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