National Development Bank Balance Sheet

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	40,961	40,781	62,324	39,837	22,065	23,180
Investment Securities	245,999	261,015	210,318	180,502	143,960	153,475
Trading Asset Securities	5,015	11,044	28,702	28,698	6,122	9,143
Total Investments	251,014	272,059	239,020	209,200	150,082	162,617
Gross Loans	639,300	515,078	501,089	583,764	530,959	450,107
Allowance for Loan Losses	-53,837	-49,070	-43,408	-33,688	-21,602	-17,931
Other Adjustments to Gross Loans	-	-5,227	-4,941	-4,156	-4,983	-6,494
Net Loans	585,463	460,781	452,740	545,920	504,374	425,682
Property, Plant & Equipment	5,873	5,408	5,077	5,231	5,021	4,831
Other Intangible Assets	1,656	1,815	1,898	1,813	1,217	1,062
Investments in Real Estate	3,108	3,108	3,112	2,879	2,528	2,362
Other Receivables	32.06	3,416	1,338	2,818	1,655	855.54
Restricted Cash	8,951	7,300	6,543	17,272	15,036	6,400
Other Current Assets	-	894.21	1,295	497.51	536.03	226.32
Long-Term Deferred Tax Assets	5,561	4,217	9,718	9,049	3,443	1,946
Other Long-Term Assets	10,975	2,074	2,463	3,340	3,586	1,655
Total Assets	913,595	803,780	786,959	839,198	710,832	632,132
Accrued Expenses	-	2,039	1,309	871.29	1,510	1,025
Interest Bearing Deposits	614,055	578,008	573,163	630,402	514,557	462,767
Non-Interest Bearing Deposits	88,526	53,074	42,070	41,311	36,700	26,892
Total Deposits	702,581	631,081	615,232	671,713	551,257	489,659
Short-Term Borrowings	144.59	5,154	7,217	13,153	18,053	6,314
Current Portion of Long-Term Debt	53,871	23,574	38,438	34,744	23,954	40,790
Current Portion of Leases	-	430.52	506.12	429.72	282.13	291.4
Current Income Taxes Payable	3,626	3,129	3,681	5,866	1,892	2,344
Other Current Liabilities	124.21	1,056	1,132	1,709	1,702	1,901
Long-Term Debt	48,895	40,049	31,776	32,981	38,393	33,751
Long-Term Leases	-	1,123	952.47	1,066	1,209	1,234
Pension & Post-Retirement Benefits	1,652	1,479	1,414	970.8	787.47	790.86
Long-Term Deferred Tax Liabilities	976.97	976.24	921.19	873.28	569.21	596.11
Other Long-Term Liabilities	11,744	9,487	8,484	5,924	7,157	4,233
Total Liabilities	823,615	719,578	711,063	770,302	646,765	582,928
Common Stock	23,043	21,757	20,738	19,871	18,264	8,794
Retained Earnings	56,584	51,798	48,126	43,863	45,302	38,340
Comprehensive Income & Other	8,887	9,188	5,608	3,772	-838.87	842.08
Total Common Equity	88,513	82,743	74,471	67,505	62,727	47,976
Minority Interest	1,466	1,460	1,425	1,391	1,339	1,227
Shareholders' Equity	89,980	84,202	75,896	68,896	64,067	49,203
Total Liabilities & Equity	913,595	803,780	786,959	839,198	710,832	632,132
Total Debt	102,911	70,331	78,889	82,374	81,891	82,380
Net Cash (Debt)	-56,935	-18,506	12,138	-13,839	-50,481	-49,996
Net Cash Per Share	-132.97	-43.42	28.56	-32.57	-136.57	-180.63
Filing Date Shares Outstanding	426.89	424.91	424.91	424.91	424.91	276.8
Total Common Shares Outstanding	426.89	424.91	424.91	424.91	424.91	276.8
Book Value Per Share	207.34	194.73	175.26	158.87	147.62	173.33
Tangible Book Value	86,857	80,928	72,573	65,692	61,510	46,915
Tangible Book Value Per Share	203.47	190.46	170.80	154.60	144.76	169.49

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.