Seylan Bank Q3 2025 Results: Strong Profit Growth & Asset Quality Improvement 🏦

• Profit After Tax (PAT) for the 9 months ended September 30, 2025, reached Rs. 8.3 Billion, recording a robust 26.30% YoY growth. Profit Before Tax (PBT) for Q3 2025 was Rs. 12.8 Bn (+20.75% YoY). • Asset Quality showed significant strength: • Impaired Loans (Stage 3) Ratio improved sharply to 1.48% (down from 2.10% in 2024). • Impairment Charge saw a massive reduction of 81.39% (Rs. 772 Mn vs Rs. 4.1 Bn YoY). • Stage 3 Provision Cover Ratio stands strong at 83.22%. • Income Breakdown: • Net Fee Based Income saw a growth of 15.99% (Rs. 5.8 Bn to Rs. 6.7 Bn), mainly from cards, remittances, and trade. • Net Interest Income saw a marginal decrease of 0.75% due to market interest rate repricing. • Balance Sheet & Capital: Total Assets increased to Rs. 853 Billion. Loans & Advances grew by a net Rs. 71 Bn to Rs. 534 Bn. The Total Capital Adequacy Ratio is robust at 18.34%. Return on Equity (ROE) stood at 15.08%.