Business Profile Summary

The State Mortgage & Investment Bank (SMIB), established in 1979 with roots dating back to 1931, is Sri Lanka’s premier housing bank regulated by the Central Bank. Committed to excellence, SMIB’s mission is to lead in development banking and consumer finance, guided by values of integrity, innovation, and customer-centricity. It offers a comprehensive range of services including housing loans, personal and vehicle finance, SME/MSME lending, savings accounts, and fixed deposits. Specialized solutions like SMIB ECO for renewable energy and MuthuSina children’s savings accounts reflect its inclusive, forward-thinking approach. The bank is enhancing digital capabilities through mobile payments, online tools, and modern core banking systems. With over 200 branches islandwide and strong financial ratings (Fitch: BB(lka)/Stable), SMIB supports individuals, families, entrepreneurs, and investors across Sri Lanka. It is led by experienced professionals and fosters talent within, staying true to its nearly century-long legacy as “The Housing Bank to the Nation.”

Business Registration