📈 HNB Reports Record Growth and Rs 49.8 Bn Group PAT in 2025

HNB Group demonstrated strong financial resilience in 2025, driven by record credit expansion and improved asset quality despite the impact of Cyclone Ditwah. • Financial Performance Summary: • Group Profit After Tax (PAT): Rs 49.8 Bn. • Bank PAT: Rs 45.4 Bn. • Total Tax Contribution: Rs 48.4 Bn. • Proposed Dividend: Rs 20.00 per share. • Balance Sheet Highlights: • Gross Loans & Advances: Crossed Rs 1.5 Tn (+Rs 354 Bn), the largest annual increase in HNB’s history. • Total Deposits: Reached Rs 1.96 Tn (+Rs 246 Bn), supported by strong CASA mobilization. • Total Assets: Expanded 15% YoY to Rs 2.39 Tn. • Sector & Operational Insights: • Digital Banking: Net Fee and Commission Income surged 28.9% YoY, fueled by card usage and digital transactions (HNB Solo, TradeX). • Trade Finance: Emerged as a key contributor following the reopening of vehicle imports and increased trade activity. • Net Interest Income: Declined marginally by 0.6% due to lower market rates and an accommodative monetary policy. • Exchange Income: Recovered to Rs 6.3 Bn (from a loss of Rs 2.9 Bn in 2024). • Asset Quality & Capital: • Net Stage 3 Ratio: Improved significantly to 1.09% (vs 1.88% in 2024). • Provisioning: Includes Rs 2.2 Bn in post-model adjustments for climate risk related to Cyclone Ditwah. • Capital Adequacy: Total CAR stood robust at 19.95%, well above regulatory requirements.