Investor Presentaiton
Operating Expenses [Bank]
LKR Mn
Q3
Q3
%
•
2018
2017
growth
.
Personnel expenses
3,267
2,645
24
Depreciation & amortization
319
312
2
Other expenses
2,576 2,514
2
Total operating expenses
6,162 5,472
13
Cost to Income Ratio well managed at 39.4% - One of
the lowest in the industry
Cost to Income Ratio
50
45.5
39.4
40
30
Q3 2018
Q3 2017
Q3 2018
Q3 2017
NDB
BANK2U
NDB bank
Operating expenses increase of 13%
Incurred capital expenditure to support business
expansion and enhanced customer experience
Network expansion [New branch opened in
Katugasthota]
•
12 Cash Recycle Machines [CRMS]
Official launch of branchless banking - Bank2U – Our
newest digital solution to individuals and SMEs
5 new NDB Privilege Banking Centers
4 branch relocations to new spacious locations
Dedicated Business Banking Unit at the NDB Head
Office premises
Easier than before, closer than ever
Experience the service of
BANK2U
H2STE
14View entire presentation