About SMIB
The Housing Bank to the Nation

The State Mortgage and Investment Bank (SMIB) is one of the longest standing banks in Sri Lanka. It operates as a licensed specialized bank meeting the housing financing needs and other personal and business banking needs of the people of Sri Lanka.

A Heritage of Trust and Confidence

SMIB was inaugurated as the Ceylon State Mortgage Bank (CSMB) on 6th December 1931 by Ordinance No. 16 of 1931. It was formed by the State Mortgage & Investment Bank Law No. 13 of 1975, amalgamating the Ceylon State Mortgage Bank and the Agricultural and Industrial Credit Corporation established in 1943.

SMIB commenced operations on 1st January 1979. The Bank was recognized as a Licensed Specialized Bank with the license issued by the Central Bank of Sri Lanka on 27th April 1998 according to the Banking Act No. 30 of 1988.The Bank has progressed throughout the years as a housing financier and banking services provider.

Backed by the state and a strong foundation, today, SMIB stands as the leading Housing Bank to the Nation.

Dedicated Housing and Development banking Services

With the expansion of the Bank’s operation over the years, SMIB has strengthened its position by extending the product portfolio beyond home mortgage loans to meet the diverse consumer banking and development banking needs of our customers.

  • Savings accounts, fixed deposits, pawning and other loan services to Consumer banking customers.
  • SMIB supports the growth of SME businesses with tailored SME loans and micro lending solutions.
  • Island-wide Branch Network. SMIB operates with a robust channel strategy across 25 Branches island wide.

To be the nation’s valued partner in development banking with market leadership in consumer finance.

SMIB will continue to be the premier housing bank to the nation and a valued partner in development banking.

  • Customer:
    We are committed to serve all our customers with attractive financial solutions to suit their housing and development financial needs through superior customer service, innovation, quality and state of art technology.
  • Business Partners:
    We will offer best returns for the investments with solid security and flexibility.
  • Employee:
    We shall provide opportunities for our employees to grow to their fullest potential and to improve their quality of life while creating a healthy and productive work environment with an appreciative team culture.
  • Shareholders:
    We are committed to enhance shareholder value through profitable growth while safeguarding stakeholders’ interests.
  • Technology:
    We are bound to provide external customers with value added services through automation and technological applications to leverage speed, quality and convenience. We provide internal customers with speed and accurate information to enhance the efficiency and effectiveness of the decision-making process.
  • Society:
    Being a partner in national development, we acknowledge to serve in enhancing the lifestyle of our community.

At SMIB we strive to:

  • Act with integrity and show respect
  • Exhibit professionalism and excellence in all what we do
  • Work with dedication and accept accountability for our own actions
  • Display openness and strive for teamwork
  • Solicit innovative ideas and proactive solutions
  • Have hunger for learning and passion for growing with the bank
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