📈 HNB Reports Strong 1H 2026 Growth with Rs 224 Bn Advance Expansion

Hatton National Bank (HNB) posted a solid financial performance for 1H 2026, driven by significant balance sheet growth and expansion in key lending portfolios. • Overall Performance & Earnings • Group PAT: Rs 22.5 Bn | Bank PAT: Rs 23.1 Bn • Total Operating Income: Rs 76.7 Bn (up 27% YoY) • Net Interest Income: Rs 55.2 Bn (up 21% YoY) with NIM expanding to 4.40% • Net Fee & Commission Income: Increased 30% YoY, boosted by digital banking, card transactions, and leasing activity • Balance Sheet & Credit Growth • Total Asset Base: Exceeded Rs 2.55 Tn • Gross Loans & Advances: Grew by 15% (Rs 224 Bn expansion) to reach Rs 1.7 Tn • Customer Deposits: Expanded by Rs 138 Bn to exceed Rs 2.1 Tn (CASA ratio at ~34%) • Impairment Provisions: Rs 4.1 Bn in line with strong lending portfolio expansion • Asset Quality & Capital Strength • Net Stage 3 Ratio: Maintained at a firm 1.17% • Cost-to-Income Ratio: Improved to 34.48% (vs 38.56% in 2025) • Tier I Capital Ratio: 15.44% | Total Capital Ratio: 18.18% • Liquidity Coverage Ratio (LCR): 186.69%, well above regulatory thresholds • Industry Recognition • Recognized by Euromoney as the "Best Bank for Large Corporates in Sri Lanka 2026" for the second consecutive year, underscoring HNB's crucial role in supporting domestic corporate and SME sector expansion.