HNB Q3 2025: Group PAT up 47% YoY 📈, Asset Quality Improves

• Group Profit After Tax (PAT) reached Rs. 34.7 Bn, marking a strong 47% Year-on-Year (YoY) increase for the first nine months of 2025. • The Bank's PAT grew by 42% YoY to Rs. 31.5 Bn. • Group Asset Base surpassed Rs. 2.6 Trillion, reflecting 17.9% YTD growth. Net Loans & Advances increased by Rs. 287.7 Bn (Group level). Key Income & Quality Metrics: • Net Fee & Commission Income posted a strong 24.3% YoY growth. • Exchange Income showed a significant turnaround to Rs. 4.2 Bn (reversing a Rs. 2 Bn loss in 9M 2024), driven by increased foreign currency transactions. • Asset Quality improved significantly with the Net Stage 3 ratio falling to 1.36% (from 1.88% in Dec 2024). • The Bank recorded an Impairment reversal of Rs. 7.5 Bn, a major turnaround from the charge in the previous year. Strategic Focus: • HNB continues to focus on supporting MSMEs (Micro, Small and Medium Enterprises), which form the backbone of the economy. • Performance aligns with broader Sri Lankan economic recovery, noting moderating inflation and 4.8% GDP growth in H1 2025.