EMPOWERING FINANCIAL ASPIRATIONS WITH A LEGACY OF EXCELLENCE
Who We Are
AMW Capital Leasing and Finance PLC is a trusted financial institution in Sri Lanka, backed by the strong legacy of Associated Motorways (Private) Limited, a pioneer in the automobile sector since 1949. With a solid foundation in automotive excellence, the company ventured into financial services in 2006, launching operations as AMW Capital Leasing Ltd.
We received Finance Company status in 2008 from the Central Bank of Sri Lanka, authorizing us to accept public deposits. Later that year, we became a part of the globally recognized Al-Futtaim Group through its subsidiary Al-Futtaim Engineering (AFE). With a presence across multiple countries and industries, Al-Futtaim’s leadership further empowers us to provide secure, innovative, and customer-centric financial solutions.
Today, AMW Capital Leasing and Finance PLC stands as a symbol of trust, stability, and forward-thinking financial service—dedicated to helping individuals and businesses achieve their financial goals.
Our Journey
Pioneer in Automobile Sector
Associated Motorways (Private) Limited, a pioneer in the automobile sector in Sri Lanka was incorporated over 64 years ago in the year 1949.
Expansion into Financial Services
In the year 2006 the company ventured into financial services by establishing AMW Capital Leasing & Finance PLC. The company was incorporated under the name of “AMW Capital Leasing Ltd” on 05th July 2006 as a specialized leasing company. In November 2008, it obtained ‘Finance Company’ status from the Monetary Board of Central Bank of Sri Lanka, thereby gaining approval to accept deposits from the public.
Global Partnership
In July 2008, Associated Motorways (Private) Limited, was acquired by Al-Futtaim Engineering (AFE), a wholly-owned subsidiary of Al-Futtaim group. Established in the 1930’s as a trading business, the Al-Futtaim group has business interests and activities in Bahrain, Kuwait, Qatar, Oman and Saudi Arabia and further extending to Egypt, Syria, Sri Lanka, Pakistan, Singapore, Europe and beyond.
Trusted Leadership
A diversified conglomerate of businesses formed of over 65 companies, the Al-Futtaim group is regarded as a dynamic innovator which has identified and responded to the diverse requirements of the UAE, where generations have grown up with implicit trust in the Al-Futtaim name.
Journey in Milestones
A comprehensive timeline showcasing our remarkable growth, key achievements, and continuous evolution in the financial services sector over the years.
2006
- Obtained Leasing Company License
- Opened principal place of business in Borella
- Opened first branch in Kurunegala, second branch in Matara and third branch in Rathnapura
- Opened two new branches in Negombo and Kandy
2007
2008
- Obtained Finance Company License
- Listed on the Diri Savi Board of the Colombo Stock Exchange
- Opened three new branches in Badulla, Anuradhapura and Nugegoda
- Migrated into a sophisticated state-of-the-art Leasing System
- Introduced Operating Leases to the product portfolio
2011
2012
- Opened two new branches in Kuliyapitiya and Gampaha
- New Service Center was opened in Avissawella
- Business model changed to include financing used vehicles
- Integration with SAP ERP System
- Total assets surpassed Rs. 5 Bn mark
- Opened a fully-fledged branch in Colombo
- Opened Fixed Deposits Division
- Two New Service Centers were opened in Kalutara and Kiribathgoda
- A Micro Finance unit was setup
- Islamic Finance was introduced to the product portfolio
- Launched the company website
2013
2014
- Opened a new branch in Galle
- Relocated Rathnapura, Nugegoda, Avissawella and Dambulla Branches
- Became a Tier “A” NBFI surpassing Rs. 8 Bn assets
- Software module for Fixed Deposit was implemented
- Total assets surpassed the Rs. 9 Bn mark
- Opened two New Service Centers in Kaduwela and Mount Lavinia
- Recorded highest ever Execution and Profits
- Fitch Ratings Lanka Ltd upgraded the Company rating from BB- to BBB+ (four notches up)
- Total Fixed Deposit surpassed Rs. 2 Bn at the end of 2015
2015
2016
- Total assets topped the Rs.11 Bn mark
- Opened a new branch in Kegalle
- Two new service centers were opened in Panadura and Wattala
- Relocated Badulla Branch
- Celebrated 10th year anniversary
- Recorded highest ever Execution and Profits
2017
2018
- Embraced restructuring the Company’s Capital Structure.
- Raised Rs.3 Bn Securitization loan on Company’s own balance sheet strength
- Best Capitalized Mid-Size NBFI
2019
2020
- Relocated Panadura & Rathnapura Branches
- Fitch ratings revised rating from BBB- to AA-
- Introduction of Lean Management. First batch of Lean Management “Yellow Belts” graduated.
- Introduced data analytics to business planning.
- Development of Digital Apps to support businesses & customer convenience – Footprint on Digital Strategy
2021
2022
- Highest ever monthly loan advances achieved in March 2022
- Freeze of new lending from May 2022 to preserve capital
- Managed provision charge despite economic downturn in the country
- Strategically managed cost of capital to face economic crisis
- Strengthened the liquidity position to face economic instability
- Commencement of new lending in November 2023 after a freeze in May 2022.
- Created comprehensive dashboards tailored for marketing & recovery purposes, providing a high-level snapshot of insights, including individual employee performance metrics
- Introduced the Vault management system for ensuring the security of legal documents
2023
2024
- Established Data Analytics division
- Implemented liability management dashboard
- Implemented bad debt provision management module
- Review of end-to-end customer onboarding process through Lean Management
74
Years of Experience
10
Global Presence
10000
Happy Customers
25
Annual Growth
74
Years of Experience
10
Global Presence
10000
Happy Customers
25
Annual Growth
Vision
To be the most trusted, admired and profitable NBFI in Sri Lanka.
Mission
- Consistently deliver best-in-class service experience to our clients.
- Attract and develop best-in-class professionals who are motivated to achieve the highest level of service & performance.
- Provide a superior return to our shareholders and invest in the communities we serve.
Vision
To be the most trusted and customer-focused leasing partner, empowering individuals and businesses across Sri Lanka to achieve their financial goals through accessible, reliable, and innovative leasing solutions.
Mission
Our mission is to provide flexible and transparent capital leasing services tailored to our clients’ needs. We are committed to delivering exceptional service, fostering financial growth, and building long-term relationships through integrity, professionalism, and customer-centric solutions.
Corporate Information
Comprehensive information about AMW Capital Leasing & Finance PLC's corporate structure and operations.
Registration Details
Date of Incorporation
23rd February 2006
23rd February 2006
Date of Re-registration
27th June 2007
27th June 2007
Company Registration No
PB14PQ
PB14PQ
Established
2006
2006
Quoted Date
08th June 2011
08th June 2011
Financial Information
Fitch Rating
BBB+(lka)
BBB+(lka)
Financial Year Ends
31st December
31st December
Auditors
PricewaterhouseCoopers
PricewaterhouseCoopers
Sector
Banks Finance & Insurance
Banks Finance & Insurance
Business Information
Registered Office
No. 185, Union Place, Colombo 02
No. 185, Union Place, Colombo 02
License Type
Finance Business License
Finance Business License
Banking Partners
Our trusted financial partners across Sri Lanka
Bank of Ceylon
Commercial Bank of Ceylon PLC
DFCC Bank PLC
Hatton National Bank
Hongkong & Shanghai Banking Corporation Limited
National Development Bank PLC
Nations Trust Bank PLC
Pan Asia Banking Corporation PLC
Peoples' Bank
Sampath Bank PLC
Union Bank of Colombo PLC
AMW Capital Leasing and Finance PLC operates under a Finance Business License issued by the Monetary Board of the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011.
Financial Reports & Publications
Access our comprehensive collection of financial reports, publications, and corporate documents.
Annual Reports
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017
Annual Report 2016
Annual Report 2015
Annual Report 2014
Annual Report 2013
Annual Report 2012
Annual Report 2011
Annual Report 2010
Semi-Annual Reports
Semi Annual Publications - June 2022
Semi Annual Publications - December 2022
Semi Annual Publications - June 2021
Semi Annual Publications - December 2021
Semi Annual Publications - June 2020
Semi Annual Publications - December 2020
Semi Annual Publications - June 2019
Semi Annual Publications - December 2019
Semi Annual Publications - March 2018
Semi Annual Publications - September 2018
Semi Annual Publications - March 2017
Semi Annual Publications - September 2017
Semi Annual Publications - March 2016
Semi Annual Publications - September 2016
Semi Annual Publications - September 2015
Fitch Rating Reports
Fitch Rating AMW Capital Leasing And Finance
Glossary
Glossary
For additional information or to request specific reports not listed here, please contact our investor relations department.
Our Values & Commitment
Respect
We have the utmost respect for everyone we interact with and for the environment in which we operate. We humbly recognize that ideas can come from anywhere and are open to listen and change our mind. We are able to admit to mistakes and are willing to learn from them.
Integrity
We will always do the right thing and demonstrate consistency between our actions and our words. We ensure honesty and fairness in all that we do. We think about the long term and build enduring relationships.
Collaboration
We actively build trusted partnerships with all the constituencies of our business – including customers, principals, partners, communities and colleagues. We harness the strengths of individuals and teams, and we have an unyielding desire to win together. We work collaboratively and we hold ourselves and each other accountable.
Excellence
We have a passion to achieve extraordinary results by delighting our customers. We believe good enough, is not good enough. We aspire to the highest global standards of service excellence. We celebrate our successes but remain relentless in constantly improving.
