Commercial Credit & Finance Plc

Commercial Credit and Finance PLC is a Sri Lanka-based non-bank financial services provider that offers a range of lending, leasing and investment products through its branch network. Its operations include retail and business lending, lease and hire-purchase activities, deposit-taking and treasury/investment management. The company’s lending activities cover secured and unsecured products highlighted in the report such as gold loans, business loans and motorbike financing; its leasing arm provides lease rentals and hire-purchase solutions; and its treasury and investment activities manage liquid assets and investment properties while overseeing funding and deposit mix. The group has been focusing on asset quality, collections and diversification of funding sources. Sustainability and digital initiatives are integrated into the business strategy: the company pursues green financing (including partnerships with electric bike manufacturers and targets for EV financing), energy-efficiency in branches (solar power targets) and ongoing ICT investment to support operations and customer service.