Seylan Bank Achieves Record LKR 12.1 Bn Profit in 2025 📈

Seylan Bank has reported its highest-ever annual performance for the financial year ended 31 December 2025, driven by strong growth in lending and significant improvements in asset quality. • Overall Financial Performance • Profit After Tax (PAT): LKR 12.1 Bn (↑ 20.5% YoY) • Profit Before Tax (PBT): LKR 19.6 Bn (↑ 22.3% YoY) • Total Assets: LKR 921 Bn (↑ 18% YoY) • Earnings Per Share (EPS): LKR 19.05 (vs LKR 15.81 in 2024) • Revenue & Operations • Net Interest Income: LKR 38.3 Bn (↑ 4.21%) amid a moderated Net Interest Margin of 4.50%. • Net Fee-Based Income: LKR 8.3 Bn (↑ 16.34%), bolstered by cards, remittances, and trade services. • Total Operating Income: LKR 48.1 Bn (↑ 13.0%). • Operating Expenses: LKR 21.4 Bn (↑ 8.53%), primarily due to personnel costs. • Stability & Asset Quality • Impaired Loans (Stage 3) Ratio: Improved significantly to 1.03% (from 2.10% in 2024). • Stage 3 Provision Cover: 86.33%, among the highest in the banking sector. • Total Capital Adequacy Ratio: 17.89%, well above regulatory requirements. • Return on Equity (ROE): 15.89%. • Growth Drivers • Loans and Advances grew by LKR 137 Bn to reach LKR 600 Bn. • Customer Deposits increased by LKR 86 Bn to LKR 733 Bn. • Successfully raised LKR 15 Bn via Basel III compliant debentures in July 2025. _Note: Ratings upgraded by Fitch to 'A+(lka)' with a Stable Outlook during the year._