📈 Sampath Bank H1 2026: PAT Rises 13% YoY to Rs 16.6 Bn

Sampath Bank PLC reported a robust financial performance for the six months ended 30 June 2026, driven by core revenue growth and strong credit expansion. • Overall Financial Highlights • Profit After Tax (PAT): Rs 16.6 Bn (+13% YoY) • Total Operating Income: Rs 63.3 Bn (+17% YoY) • Net Interest Income (NII): Rs 42.8 Bn (+11% YoY) • Net Fee & Commission Income: Rs 12.2 Bn (+26% YoY) • Total Exchange Income: Rs 7.2 Bn (+198% YoY), aided by LKR depreciation against the USD (by Rs 26.12) • Impairment Charge: Rs 5.0 Bn (+324% YoY) due to loan expansion and prudent overlay provisioning • Cost-to-Income Ratio: 41.7% (vs 40.0% in H1 2025) • Balance Sheet & Growth Trends • Total Assets: Rs 2.13 Tn (+8% vs end-2025) • Gross Loans & Advances: Expanded by Rs 226 Bn (+18%) to Rs 1.45 Tn, supporting core sectors like agriculture and general commerce • Customer Deposits: Rs 1.76 Tn (+Rs 118 Bn / +7.1% vs end-2025) • Net Interest Margin (NIM): Improved to 4.21% (vs 4.11% in 2025) • Capital, Liquidity & Sustainability • Capital Ratios: CET1 at 13.21%, Total Capital at 15.62% (well above regulatory minimums) • Capital Injection: Issued a Rs 10 Bn Basel III-compliant Green Bond in July 2026 • Liquidity: Liquidity Coverage Ratio (LCR) stood strong at 185.04% • ESG/Community: Restored Hurigaswewa Wewa tank to support rural agriculture (307 farming families) and launched waste management & eco-tourism initiatives.