Cargills Bank: Strong Profit & Loan Growth in 9M 2025 🏦

• Profit After Tax (PAT) for the nine months ended Sept 30, 2025, reached Rs. 313 Mn, an increase of Rs. 155 Mn compared to the corresponding period in 2024. • Net Interest Income (NII) grew 10% (Rs. 244 Mn) to Rs. 2,743 Mn. This was supported by a robust 31% growth in the loan book, which expanded by Rs. 14.3 Bn to reach Rs. 60.4 Bn. • Total Assets grew 10% (Rs. 8.2 Bn) to Rs. 88.5 Bn. Customer Deposits increased 5% to Rs. 62.5 Bn. • Impairment Charges saw a significant decrease of 80% to Rs. 162 Mn, attributed to an improved macro-economic environment and effective recovery actions. The Stage 3 Loans (Net) ratio improved to 7.55% (from 8.74% in 2024). • Net Fee & Commission Income grew 10% (Rs. 60 Mn) to Rs. 682 Mn, driven by higher trade volumes, loan fees, and remittance income. • Total operating expenses increased 14% (to Rs. 2,761 Mn) due to branch expansion and staff costs, pushing the Cost-to-Income Ratio up to 70.31%. • The bank remains well capitalised and liquid, with the Total Capital Ratio at 17.08%.