Amăna Bank, Sri Lanka’s first and only licensed commercial bank operating entirely under a non-interest-based banking model, marked 15 years of operations on 1 August 2026, celebrating a journey built on customer trust, sustainable growth and inclusive economic development.
Since commencing operations in 2011, the Bank has continued to expand despite navigating some of the most challenging periods in Sri Lanka’s recent economic history. Today, Amăna Bank serves more than 500,000 customers through a growing network of over 80 customer locations, comprising branches and Self Banking Centres across the country.
The Bank attributes this growth to its development-focused and people-friendly approach to banking, with a continued emphasis on enabling customers to achieve their financial goals while contributing to broader economic progress.
Amăna Bank has also strengthened its position within Sri Lanka’s banking sector through sustained financial performance and expansion. The Bank recently surpassed LKR 200 billion in total assets, becoming one of the fastest banks in the country to reach the milestone.
The Bank has consistently recorded growth in deposits and financing above industry levels while maintaining a strong CASA ratio and one of the sector’s lowest non-performing advances ratios. These achievements reflect its focus on sustainable growth supported by prudent risk management, sound governance and a customer-centric culture.
Amăna Bank has also maintained a consistent record of profitability and has declared dividends for eight consecutive years, further reinforcing its financial resilience and long-term performance.
As a retail and SME-focused bank, Amăna Bank has played an important role in supporting entrepreneurs, businesses and households. Through its asset-backed banking model, the Bank directs financing towards the real economy, supporting productive economic activity, strengthening businesses and industries, creating employment opportunities and improving livelihoods.
A significant milestone in the Bank’s development has been the continued confidence of the Islamic Development Bank (IsDB) Group, which remains its principal strategic shareholder through the Islamic Corporation for the Development of the Private Sector (ICD).
Despite Sri Lanka not being a member state of the IsDB Group, its investment in Amăna Bank represents a notable example of international confidence in the country’s banking sector and demonstrates how ethical, value-based banking can operate successfully within a diversified financial market.
As Amăna Bank enters its 16th year, its 15-year journey reflects a continued commitment to combining financial sustainability with meaningful economic and social impact, while strengthening its role as a development-focused and customer-oriented financial institution in Sri Lanka.