National Development Bank PLC (COSE:NDB.N0000)

National Development Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	33,890	42,713	40,781	62,324	39,837	22,065
Investment Securities	297,458	260,933	261,015	210,318	180,502	143,960
Trading Asset Securities	11,892	4,891	11,044	28,702	28,698	6,122
Total Investments	309,350	265,824	272,059	239,020	209,200	150,082
Gross Loans	655,801	649,578	515,078	501,089	583,764	530,959
Allowance for Loan Losses	-55,922	-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	599,879	593,705	460,781	452,740	545,920	504,374
Property, Plant & Equipment	8,785	6,650	5,408	5,077	5,231	5,021
Other Intangible Assets	2,391	1,682	1,815	1,898	1,813	1,217
Investments in Real Estate	3,347	3,347	3,108	3,112	2,879	2,528
Other Receivables	734.19	1,987	1,670	1,338	2,818	1,655
Restricted Cash	10,811	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	6,544	5,489	4,217	9,718	9,049	3,443
Other Long-Term Assets	8,159	13,066	3,821	2,463	3,340	3,586
Total Assets	983,890	944,641	803,780	786,959	839,198	710,832

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	2,575	2,039	1,309	871.29	1,510
Interest Bearing Deposits	663,577	632,242	578,008	573,163	630,402	514,557
Non-Interest Bearing Deposits	53,272	74,195	53,074	42,070	41,311	36,700
Total Deposits	716,849	706,438	631,081	615,232	671,713	551,257
Short-Term Borrowings	1,573	8,881	5,154	7,217	13,153	18,053
Current Portion of Long-Term Debt	100,498	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	290.72	4,421	3,129	3,681	5,866	1,892
Other Current Liabilities	2,861	1,953	1,056	1,132	1,709	1,702
Long-Term Debt	58,102	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	1,866	1,622	1,479	1,414	970.8	787.47
Long-Term Deferred Tax Liabilities	976.84	1,022	976.24	921.19	873.28	569.21
Other Long-Term Liabilities	10,727	5,758	9,487	8,484	5,924	7,157
Total Liabilities	893,745	851,152	719,578	711,063	770,302	646,765

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	23,808	23,043	21,757	20,738	19,871	18,264
Retained Earnings	58,213	60,009	51,798	48,126	43,863	45,302
Comprehensive Income & Other	6,568	8,923	9,188	5,608	3,772	-838.87
Total Common Equity	88,590	91,974	82,743	74,471	67,505	62,727
Minority Interest	1,555	1,515	1,460	1,425	1,391	1,339
Shareholders' Equity	90,146	93,489	84,202	75,896	68,896	64,067
Total Liabilities & Equity	983,890	944,641	803,780	786,959	839,198	710,832

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	160,173	127,365	70,331	78,889	82,374	81,891
Net Cash (Debt)	-114,391	-79,761	-18,506	12,138	-13,839	-50,481
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-265.05	-184.81	-42.88	28.21	-32.17	-134.90
Filing Date Shares Outstanding	432.2	432.2	430.2	430.2	430.2	430.2
Total Common Shares Outstanding	432.2	432.2	430.2	430.2	430.2	430.2
Book Value Per Share	204.98	212.81	192.34	173.11	156.92	145.81
Tangible Book Value	86,200	90,292	80,928	72,573	65,692	61,510
Tangible Book Value Per Share	199.44	208.91	188.12	168.70	152.70	142.98

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

Data Sources Report a data error