National Development Bank Balance Sheet

Financials in millions LKR. Fiscal year is January - December.

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	42,713	40,781	62,324	39,837	22,065
Investment Securities	260,933	261,015	210,318	180,502	143,960
Trading Asset Securities	4,891	11,044	28,702	28,698	6,122
Total Investments	265,824	272,059	239,020	209,200	150,082
Gross Loans	649,578	515,078	501,089	583,764	530,959
Allowance for Loan Losses	-50,256	-49,070	-43,408	-33,688	-21,602
Other Adjustments to Gross Loans	-5,617	-5,227	-4,941	-4,156	-4,983
Net Loans	593,705	460,781	452,740	545,920	504,374
Property, Plant & Equipment	6,650	5,408	5,077	5,231	5,021
Other Intangible Assets	1,682	1,815	1,898	1,813	1,217
Investments in Real Estate	3,347	3,108	3,112	2,879	2,528
Other Receivables	1,987	1,670	1,338	2,818	1,655
Restricted Cash	7,441	7,300	6,543	17,272	15,036
Other Current Assets	785.29	894.21	1,295	497.51	536.03
Long-Term Deferred Tax Assets	5,489	4,217	9,718	9,049	3,443
Other Long-Term Assets	13,066	3,821	2,463	3,340	3,586
Total Assets	944,641	803,780	786,959	839,198	710,832
Accrued Expenses	2,575	2,039	1,309	871.29	1,510
Interest Bearing Deposits	632,242	578,008	573,163	630,402	514,557
Non-Interest Bearing Deposits	74,195	53,074	42,070	41,311	36,700
Total Deposits	706,438	631,081	615,232	671,713	551,257
Short-Term Borrowings	8,881	5,154	7,217	13,153	18,053
Current Portion of Long-Term Debt	86,055	23,574	38,438	34,744	23,954
Current Portion of Leases	657.34	557.68	506.12	429.72	282.13
Current Income Taxes Payable	4,421	3,129	3,681	5,866	1,892
Other Current Liabilities	1,953	1,056	1,132	1,709	1,702
Long-Term Debt	30,721	40,049	31,776	32,981	38,393
Long-Term Leases	1,051	996.32	952.47	1,066	1,209
Pension & Post-Retirement Benefits	1,622	1,479	1,414	970.8	787.47
Long-Term Deferred Tax Liabilities	1,022	976.24	921.19	873.28	569.21
Other Long-Term Liabilities	5,758	9,487	8,484	5,924	7,157
Total Liabilities	851,152	719,578	711,063	770,302	646,765
Common Stock	23,043	21,757	20,738	19,871	18,264
Retained Earnings	60,009	51,798	48,126	43,863	45,302
Comprehensive Income & Other	8,923	9,188	5,608	3,772	-838.87
Total Common Equity	91,974	82,743	74,471	67,505	62,727
Minority Interest	1,515	1,460	1,425	1,391	1,339
Shareholders' Equity	93,489	84,202	75,896	68,896	64,067
Total Liabilities & Equity	944,641	803,780	786,959	839,198	710,832
Total Debt	127,365	70,331	78,889	82,374	81,891
Net Cash (Debt)	-79,761	-18,506	12,138	-13,839	-50,481
Net Cash Per Share	-187.10	-43.42	28.56	-32.57	-136.57
Filing Date Shares Outstanding	426.89	424.91	424.91	424.91	424.91
Total Common Shares Outstanding	426.89	424.91	424.91	424.91	424.91
Book Value Per Share	215.45	194.73	175.26	158.87	147.62
Tangible Book Value	90,292	80,928	72,573	65,692	61,510
Tangible Book Value Per Share	211.51	190.46	170.80	154.60	144.76

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.