NTB Records Strong 2025 Performance: PAT Up 15% to Rs. 19.3 Bn 📈

Nations Trust Bank PLC (NTB) reported robust financial results for the year ending 31 December 2025, driven by aggressive credit expansion and stable margins. • Overall Financials: • Profit After Tax (PAT): Rs. 19.3 Bn (up 15% YoY). • Earnings Per Share (EPS): Increased to Rs. 57.76 from Rs. 50.39. • Return on Equity (ROE): 21.86%. • Banking Operations & Growth: • Loan Book: Recorded a significant 50% growth, supporting SMEs, corporates, and consumer sectors. • Net Interest Margin (NIM): Maintained at 6.05% through efficient asset-liability management. • Asset Quality: Net Stage 3 Ratio held at a healthy 0.91%, reflecting disciplined risk management. • Strategic Expansion: • Acquisition: Received CBSL approval to acquire HSBC Sri Lanka’s retail operations, set to conclude in Q2 2026. • Impact: Will integrate ~200,000 accounts, strengthening NTB's position in the premium retail and credit cards segments. • Capital & Liquidity: • Tier 1 Capital Ratio: 19.61% (Regulatory req: 8.5%). • Total Capital Adequacy: 20.72% (Regulatory req: 12.5%). The bank remains a leader in the digital banking and premium card markets as the sole acquirer for American Express in Sri Lanka.