NDB Achieves 65% Profit Growth in First Nine Months 📈

• National Development Bank (NDB) delivered impressive profitability in 9M 2025, recording a 65% YoY growth in Profit After Tax (PAT) to reach an institutional high of Rs. 7.5 Bn (standalone basis). • Operating Income expanded by 32.3% to Rs. 28.4 Bn, and Pre-Tax Profit grew by 62.1% to Rs. 11.0 Bn. Net Fee & Commission Income saw a healthy 13.8% YoY increase. • On a normalised basis, Net Loans grew by 22.1% and Deposits by 7.2% over end 2024, reflecting growth in the core business. Total deposits reached Rs. 702.9 Bn. • Key operational improvements include a significant 46.7% YoY reduction in impairment charges. The Impaired Loans (Stage 3) ratio improved to 4.5% (down from 5.2% at end 2024). • The Bank's commitment to the SME sector was highlighted by a growth of over 24.0% in the SME loan book on a year-to-date basis. • Return on Average Equity (ROE) for the nine-month period was 12.4%, rising to 16.0% for the third quarter alone.