📈 Amana Bank Records Best-Ever Q1 Financial Performance

Amana Bank achieved a record-breaking performance in Q1 2026, demonstrating strong resilience and balance sheet growth despite external economic challenges. • Overall Profitability & Income - Profit Before Tax (PBT): Rs. 0.8 Bn (+14% YoY) - Profit After Tax (PAT): Surpassed Rs. 0.5 Bn (+16% YoY) - Net Financing Income: Rs. 2.2 Bn (+14% YoY) with a 4.4% margin - Total Operating Income: Rs. 2.7 Bn (+13% YoY) - Operating Profit before taxes: Rs. 1.1 Bn (+11% YoY) - Aggregate Tax Contribution: Rs. 0.6 Bn (56% of operating profit) • Balance Sheet & Sector Growth - Customer Advances: Closed at Rs. 152.3 Bn, largely driven by the SME financing portfolio, a critical sector for national economic revival. - Customer Deposits: Reached Rs. 170.8 Bn with an industry-high CASA ratio of 44%. - Asset Quality: Stage 3 Impairment Ratio (NPA) stood at a low 1.2%, backed by a 31% reduction in impairment charges. • Efficiency & Key Ratios - Cost-to-Income Ratio: Increased to 54% due to higher energy prices and exchange rate volatility. - Return on Equity (ROE): Improved to 8.1% (up from 7.6% in Q1 2025). - Return on Assets (ROA): Read at 1.7%. - Capital Position: CET1 Capital Ratio at 13.2% and Total Capital Ratio at 14.9%, comfortably above regulatory minimums (7% and 12.5%). - Liquidity buffers: Strong, with Rupee Liquidity Coverage Ratio at 242.4% (vs 100% minimum). • Sustainability & Financial Inclusion - Supported the OrphanCare initiative and aligned activities with the Central Bank’s Sustainable Finance Road Map. - Conducted over 30 financial literacy programmes for MSMEs, students, and women entrepreneurs. - Expanded rural outreach by opening five new Self Banking Centres.