ComBank – first private bank with loan book of more than Rs. 2 trillion
View(s):The Commercial Bank of Ceylon achieved another performance milestone in 2025, becoming the first private sector bank in the country to expand its loan book beyond Rs. 2 trillion, with a growth of Rs. 541 billion over 12 months.
Recording the highest annual loan growth in absolute terms in the history of the institution, the bank said in a media release that gross loans and advances for the year ending 31st December 2025 grew by 36.37 per cent to Rs. 2.028 trillion, taking total assets to Rs. 3.258 trillion.
Deposits grew by 16.65 per cent or Rs. 372 billion over the 12 months to end the year at Rs. 2.6 trillion, reflecting an average deposit growth of over Rs. 30 billion per month despite relatively lower interest rates, the Bank said. The CASA ratio of the Bank, which is considered to be the industry’s best, stood at 39.65 per cent from 38.07 per cent as at end December 2024.
Commenting on the bank’s performance in 2025, Sharhan Muhseen, Chairman of Commercial Bank said: “We remain focused on the fundamentals that sustain shareholder value: earnings resilience, balance sheet strength, disciplined risk management and a strategy that is responsive to evolving customer and market needs. Our 2025 performance affirms the value of that focus.”
Sanath Manatunge, Managing Director/CEO of Commercial Bank added: “In 2025, we proved that scale and discipline can move together, growing lending and accelerating digital activity while strengthening asset quality and balance sheet resilience. This is how we build durable value, supporting productive growth without compromising governance and risk standards.”
The bank said it recorded gross income of Rs. 354.81 billion in 2025 reflecting growth of 13.70 per cent over the normalised figure for 2024.
At group level, Commercial Bank, its subsidiaries and an associate, posted a consolidated profit before tax of Rs. 92.79 billion, compared to Rs. 97.81 billion recorded in 2024, and profit after tax of Rs. 60.94 billion, compared to Rs. 55.69 billion reported in 2024.
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