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Table 603(Capital, Bank, General)
Soundness Indicators of Systemically Imporant 
Financial Insitutions (2004-2005)
Cap 603e  ( % )
                                                       Per cent                    Institution and Indicator 2004 2005
Licensed Commercial Banks    
Non-Performing Loans to Gross Loans 9.3 7.0
Non-Performing Loans net of Provisions to Capital  32.5 18.6
Regulatory Capital to Risk Weighted Assets 10.3 12.4
Return on Assets (ROA) 1.4 1.7
Return on Equity (ROE) 18.4 17.8
Interest margin to Gross Income 37.6 39.7
Non Interest expense to Gross Income 37.2 34.5
Statutory Liquidity Ratio (DBUs) 26.3 24.2
Licensed Specialized Banks    
Non-Performing Loans to Gross Loans 10.4 8.9
Non-Performing Loans net of Provisions to Capital  21.7 26.2
Regulatory Capital to Risk Weighted Assets 19.3 20.1
Return on Assets (ROA) 2.7 2.1
Return on Equity (ROE) 17.7 13.1
Interest margin to Gross Income 41.9 38.9
Non Interest expense to Gross Income 22.8 16.6
Statutory Liquidity Ratio (DBUs) 69.4 69.4
Finance Companies    
Non-Performing Loans to Gross Loans 9.7 5.9
Non-Performing Loans net of Provisions to Capital  5.1 4.3
Regulatory Capital to Risk Weighted Assets 15.2 16.5
Return on Assets (ROA) 2.3 2.6
Return on Equity (ROE) 24.3 18.6
Interest margin to Gross Income 28.1 30.5
Non Interest expense to Gross Income 28.6 30.3
Statutory Liquidity Ratio (DBUs) 15.9 17.8
© 2007 KRI (Kusaka Research Institute) 
Source: 
Central Bank of Sri Lanka
Revised:  2007(y)/04(m)/20(d)
Chief Editor:
Dr. Milton Rajaratne (B.Com., M.Sc., Ph.D.)
      Head, Department of Management Studies
      University of Peradeniya.