Executive Summary ... 5
Table: Levels (LKRbn) ... 5
Table: Levels (US$bn) ... 5
Table: Levels At October 2011. 5
Table: Annual Growth Rate Projections 2012-2016 (%) . 5
Table: Ranking Out Of 59 Countries Reviewed In 2011 .. 6
Table: Projected Levels (LKRbn) . 6
Table: Projected Levels (US$bn) . 6
SWOT Analysis 7
Sri Lanka Commercial Banking SWOT .. 7
Sri Lanka Political SWOT .. 8
Sri Lanka Economic SWOT 9
Sri Lanka Business Environment SWOT 10
Business Environment Outlook . 11
Commercial Banking Business Environment Rating . 11
Table: Commercial Banking Business Environment Ratings ... 11
Commercial Banking Business Environment Rating Methodology ... 11
Table: Asia Commercial Banking Business Environment Ratings . 13
Global Commercial Banking Outlook .. 14
Asia Banking Sector Forecast Overview. 22
Trade Finance Growth Set To Slow 22
Table: Banks'' Bond Portfolios 2011 25
Table: Asia Commercial Banking Business Environment Ratings . 26
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios . 27
Table: Anticipated Developments in 2012.. 28
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn) ... 29
Table: Comparison of US$ Per Capita Deposits (2011) 30
Table: Interbank Rates and Bond Yields 31
Sri Lanka Banking Sector Outlook 32
Stubborn Credit Growth Risks Inviting Further CBSL Action . 32
Economic Outlook ... 35
Table: Sri Lanka – Economic Activity, 2011-2016 ... 38
Competitive Landscape 39
Market Structure . 39
Table: Protagonists In Sri Lanka''s Commercial Banking Sector . 39
Definition Of The Commercial Banking Universe . 39
List Of Banks . 40
Table: Licensed Commercial Banks In Sri Lanka 40
Company Profiles 41
Habib Bank .. 41
Table: Key Statistics For Habib Bank, 2007-2008 (LKR ''000) 42
Nations Trust Bank 43
Table: Stock Market Indicators, 2004-2010 ... 44
Table: Balance Sheet, 2005-2009 (LKRmn, unless stated) . 44
Table: Balance Sheet, 2005-2009 (US$mn, unless stated) . 45
Table: Key Ratios, 2005-2009 (%) ... 45
Bank of Ceylon ... 46
Table: Stock Market Indicators .. 47
Table: Balance Sheet (LKRmn) .. 47
Table: Balance Sheet (US$mn) .. 48
Table: Key Ratios (%) .. 48
Hatton National Bank .. 49
Table: Stock Market Indicators, 2004-2012 ... 50
Table: Balance Sheet, 2004-2010 (LCYmn) ... 50
Table: Balance Sheet, 2004-2010 (US$mn) ... 50
Table: Key Ratios, 2004-2010 (%) ... 51
Commercial Bank of Ceylon .. 52
Table: Stock Market Indicators, 2005-2012 ... 53
Table: Balance Sheet, 2005-2010 (LCYmn) ... 53
Table: Balance Sheet, 2005-2010 (US$mn) ... 54
Table:Key Ratios, 2005-2010 (%) 54
DFCC Vardhana Bank . 55
Table: Stock Market Indicators .. 56
Table: Balance Sheet (LKRmn) .. 56
Table: Balance Sheet (US$mn) .. 56
Table: Key Ratios (%) .. 57
National Development Bank .. 58
Table: Sri Lanka Stock Market Indicators, 2004-2012 .. 59
Table: Sri Lanka Balance Sheet, 2004-2010 (LCYmn) ... 59
Table: Sri Lanka Balance Sheet, 2004-2010 (US$mn) ... 60
Table: Sri Lanka Key Ratios, 2004-2010 (%) 60
PABC Bank .. 61
Table: Stock Market Indicators .. 62
Table: Balance Sheet, 2005-2010 (LCYmn) ... 62
Table: Balance Sheet, 2005-2010 (US$mn) ... 62
Table: Key Ratios, 2005-2010 (%) ... 63
BMI Banking Sector Methodology . 64
Table: Commercial Banking Business Environment Indicators And Rationale 66
Table: Weighting Of Indicators.. 67Table: Levels (LKRbn) . 5
Table: Levels (US$bn) . 5
Table: Levels At October 2011. 5
Table: Annual Growth Rate Projections 2012-2016 (%) . 5
Table: Ranking Out Of 59 Countries Reviewed In 2011 . 6
Table: Projected Levels (LKRbn) . 6
Table: Projected Levels (US$bn) . 6
Table: Commercial Banking Business Environment Ratings . 11
Table: Asia Commercial Banking Business Environment Ratings . 13
Table: Banks'' Bond Portfolios 2011 . 25
Table: Asia Commercial Banking Business Environment Ratings . 26
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios . 27
Table: Anticipated Developments in 2012. 28
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn) . 29
Table: Comparison of US$ Per Capita Deposits (2011) . 30
Table: Interbank Rates and Bond Yields . 31
Table: Sri Lanka – Economic Activity, 2011-2016 . 38
Table: Protagonists In Sri Lanka''s Commercial Banking Sector . 39
Table: Licensed Commercial Banks In Sri Lanka . 40
Table: Key Statistics For Habib Bank, 2007-2008 (LKR ''000) . 42
Table: Stock Market Indicators, 2004-2010 . 44
Table: Balance Sheet, 2005-2009 (LKRmn, unless stated) . 44
Table: Balance Sheet, 2005-2009 (US$mn, unless stated) . 45
Table: Key Ratios, 2005-2009 (%) . 45
Table: Stock Market Indicators . 47
Table: Balance Sheet (LKRmn) . 47
Table: Balance Sheet (US$mn) . 48
Table: Key Ratios (%) . 48
Table: Stock Market Indicators, 2004-2012 . 50
Table: Balance Sheet, 2004-2010 (LCYmn) . 50
Table: Balance Sheet, 2004-2010 (US$mn) . 50
Table: Key Ratios, 2004-2010 (%) . 51
Table: Stock Market Indicators, 2005-2012 . 53
Table: Balance Sheet, 2005-2010 (LCYmn) . 53
Table: Balance Sheet, 2005-2010 (US$mn) . 54
Table:Key Ratios, 2005-2010 (%) . 54
Table: Stock Market Indicators . 56
Table: Balance Sheet (LKRmn) . 56
Table: Balance Sheet (US$mn) . 56
Table: Key Ratios (%) . 57
Table: Sri Lanka Stock Market Indicators, 2004-2012 . 59
Table: Sri Lanka Balance Sheet, 2004-2010 (LCYmn) . 59
Table: Sri Lanka Balance Sheet, 2004-2010 (US$mn) . 60
Table: Sri Lanka Key Ratios, 2004-2010 (%) . 60
Table: Stock Market Indicators . 62
Table: Balance Sheet, 2005-2010 (LCYmn) . 62
Table: Balance Sheet, 2005-2010 (US$mn) . 62
Table: Key Ratios, 2005-2010 (%) . 63
Table: Commercial Banking Business Environment Indicators And Rationale . 66
Table: Weighting Of Indicators. 67