SDB Bank Q3 2025 Results Show Resilience & Asset Quality Improvement 📈

• Profit After Tax (PAT) stood at Rs. 254 million for Q3 2025, supported by strategic optimisation of yields and funding costs. • Balance Sheet & Growth: • Loans and advances to customers expanded by Rs. 9.7 billion on a Year-to-Date (YTD) basis, reflecting renewed credit growth across key sectors. • Total Assets contracted slightly by 1%, primarily due to short-term liability repayment and Rupee appreciation. • Asset Quality & Risk Management: • Asset quality improved as the Non-Performing Loan (NPL) balance declined. • Stage 3 Loan Coverage Ratio strengthened significantly to 52.28% (up from 47.78% in 2024), reflecting prudent provisioning. • Impairment charges declined by 11%. • Income & Efficiency: • Net Fee Income saw a robust increase of 33% Year-on-Year (YoY), underscoring success in diversifying income sources. • Overhead expenses increased modestly by 6% (YoY) due to targeted investments. • Stability: The bank comfortably exceeded regulatory requirements, maintaining a strong Total Capital Ratio of 14.90% and a Liquidity Coverage Ratio (LCR) of 148.65%. • Strategic Focus: The strategy of balancing growth with sustainability remains focused on empowering communities, supporting MSMEs, and strengthening the cooperative sector.