Tuesday Sep 22, 2026
Tuesday Sep 22, 2026
Tuesday, 22 September 2026 05:47 - - {{hitsCtrl.values.hits}}
Chairman H. B. Keerthirathna, CEO Hemal Lokugeegana
HDFC Bank of Sri Lanka has demonstrated a resilient financial performance for the first half of 2026 reflecting steady progress despite a challenging operating environment.
According to the bank’s interim financial statements for the period ended 30 June 2026, net interest income reached Rs. 1,365 million, supported by interest income of Rs. 3,569 million. Total operating income stood at Rs. 1,499 million, reflecting stability in core banking operations.
The bank recorded a Profit After Tax of Rs. 105 million for the six-month period, indicating improved performance compared to the previous year, supported by disciplined cost management. The bank reported an 85% year-on-year (YoY) growth in Profit Before Tax (PBT).
HDFC Bank’s financial position remains strong, with total assets of Rs. 63.2 billion and a total capital ratio of 32.05%, well above regulatory requirements. Liquidity levels also remained robust, with a liquidity coverage ratio of 203%.
With a net interest margin of 4.30% and return on equity improving to 2.75%, the bank is well-positioned for sustainable growth and continued value creation.
The bank operates with a strong ownership structure, with 51% shareholding held by the National Housing Development Authority (NHDA) and other Government entities, while the remaining 49% is held by corporate and individual investors. As a premier development bank, HDFC Bank has been instrumental in supporting low and middle-income earners to achieve home ownership. At the same time, the Bank has evolved into a diversified financial institution, serving a wide spectrum of customers ranging from low-income segments to high-net-worth individuals (HNIs), through an expanding product portfolio and a branch network covering all districts of Sri Lanka.
