Below is a concise, authoritative list of banks in Sri Lanka that provide retail (consumer) banking services — based on the Central Bank of Sri Lanka’s list of licensed commercial banks and recent reporting. Most licensed commercial banks offer some form of retail banking (savings/current accounts, personal loans, mortgages, cards, branch/ATM networks), but some focus more on corporate/institutional business.

Source for the licensed-bank list: Central Bank of Sri Lanka (Licensed Commercial Banks, as at 31 March 2025). (cbsl.gov.lk)

Banks in Sri Lanka that offer retail banking (major providers)

• Amana Bank PLC. (en.wikipedia.org)
• Bank of Ceylon (state-owned). (boc2017.annualreports.lk)
• Bank of China (Sri Lanka). (cbsl.gov.lk)
• Cargills Bank PLC. (en.wikipedia.org)
• Commercial Bank of Ceylon PLC. (cbsl.gov.lk)
• DFCC Bank PLC. (cbsl.gov.lk)
• Habib Bank Limited (in Sri Lanka). (cbsl.gov.lk)
• Hatton National Bank (HNB) PLC. (en.wikipedia.org)
• HSBC (Sri Lanka) — historically a retail provider; note: in Sep 2025 HSBC agreed to sell its Sri Lanka retail business to Nations Trust Bank (transaction subject to regulatory approval). (en.wikipedia.org)
• ICICI Bank Ltd (Sri Lanka operations). (cbsl.gov.lk)
• Indian Bank / Indian Overseas Bank (branches or representative/operations listed). (cbsl.gov.lk)
• MCB Bank Ltd (Mauritius Commercial Bank presence). (cbsl.gov.lk)
• National Development Bank (NDB) PLC. (cbsl.gov.lk)
• Nations Trust Bank PLC. (cbsl.gov.lk)
• Pan Asia Banking Corporation PLC. (cbsl.gov.lk)
• People’s Bank (state-owned). (cbsl.gov.lk)
• Public Bank Berhad (Malaysia) — Sri Lanka operations. (cbsl.gov.lk)
• Sampath Bank PLC. (lankabusinessnews.com)
• Seylan Bank PLC. (cbsl.gov.lk)
• Standard Chartered Bank (Sri Lanka) — global bank offering retail and wealth services. (cbsl.gov.lk)
• Union Bank of Colombo PLC. (cbsl.gov.lk)
• Citibank N.A. (Colombo presence) — primarily corporate/treasury but listed as a licensed commercial bank. (Retail presence in Sri Lanka is limited compared with local banks.) (cbsl.gov.lk)

Notes and caveats

• The Central Bank of Sri Lanka maintains the official list of licensed commercial banks (the best single source for up-to-date, authoritative information). If you need the current/most recent roster (or contact/branch details), check the CBSL page. (cbsl.gov.lk)
• Some international banks (e.g., Citibank, Standard Chartered, HSBC) focus more on corporate, institutional, and wealth banking in Sri Lanka; their retail footprints vary and, in HSBC’s case, were reported being sold to a local bank (Nations Trust) in Sep 2025 pending approval. (en.wikipedia.org)
• Smaller or specialist lenders (licensed specialized banks or finance companies) also provide consumer lending but are not listed above because they are not licensed commercial banks. If you want those (microfinance, finance companies, savings & loans) I can provide a list too.

Would you like:

• A downloadable/filtered list (e.g., only banks with nationwide branch networks or only locally-headquartered banks)?
• Branch/contact details for a specific bank or comparison of retail products (accounts, mortgage rates, cards) for a few banks?