📈 Sampath Bank 9M 2025: Profit Up 21% on Strong Loan Growth & NFBI

Sampath Bank and Group have maintained strong growth momentum for the nine months ended September 30, 2025: • The Bank recorded a Profit After Tax (PAT) of Rs 21.5 Bn, and the Group PAT reached Rs 23.1 Bn, both reflecting a consistent 21% YoY growth. • Non-Fund Based Income (NFBI) was a key driver, surging 107% to Rs 23.9 Bn, bolstered by 20% growth in net fee/commission income and a turnaround exchange gain (Rs 3.5 Bn). • Net Interest Income (NII) contracted 6% to Rs 57.2 Bn due to a reduction in the Average Weighted Prime Lending Rate (AWPLR) and lower yields. • Asset Quality Improvement: Total Impairment Charge significantly dropped by 62% YoY to Rs 2.0 Bn, driven by improved credit quality across the customer base. • Balance Sheet: Total Assets grew 10% YTD to Rs 1.95 Tn. The Gross Loan Portfolio expanded substantially by 18.9% YTD, surpassing the Rs 1 Trillion milestone (Rs 1,147.0 Bn). • Deposits grew 11% YTD to Rs 1,606.8 Bn, with the CASA ratio improving slightly to 34.5%. • Operational costs increased 19%, leading to a deterioration in the Cost-to-Income Ratio (CIR) to 41.3% (from 38.9%). • The Bank was designated a D-SIB and won "Best Bank for ESG in Sri Lanka" at the Euromoney Awards 2025.