• LKR 131Bn Loan Growth, up 45% YoY
• Profit After Tax of LKR 14.9Bn, up 23% YoY
• Net Stage 3 Ratio of 1.03%
• Tier I Capital at 18.90%
• Total Capital Adequacy Ratio of 20.03%
• Return on Equity 23.20% 

Nations Trust Bank PLC reported strong financial results for the 9 months ending 30th September 2025, reporting a Profit After Tax (PAT) of LKR  14.9Bn, up 23% YoY. The Bank’s performance is underpinned by strong asset growth, steady Net Interest Margins (NIMs) and asset quality with a Net Stage 3 Ratio of 1.03%. A strong capital base continued to be the foundation of the Bank’s growth story with a Return on Equity (ROE) of 23.20%, highlighting the Bank’s success in implementing a well-structured strategy.

Nations Trust Bank, Director & Chief Executive Officer, Hemantha D Gunetilleke, stated, “The Bank’s performance in 3Q 2025 demonstrates NTB’s financial strength and the successful execution of a clearly defined strategy.  Customer lending grew by LKR 131Bn, a 45% increase over the first nine months, significantly contributing to the growth of businesses and economic revival across customer segments. This demonstrates our focus on service excellence, digital empowerment and strategic planning that places our customers at the centre of everything we do. Our robust capital position and strong liquidity buffers continue to highlight our strength and readiness for sustained growth.”

As a result of efficient asset-liability management and prudent pricing strategies, the Bank was able to sustain a NIM of 6.15%. The Bank’s Earnings Per Share for the nine months ending 30th September 2025 increased to LKR 45.10, against LKR 36.80 recorded during the same period last year. Asset quality remained sound, with the Net Stage 3 Ratio contained at 1.03%, underscoring effective credit risk management.

Strong financial performance continues to bolster NTB’s capital base with a Tier 1 Capital Ratio of 18.90% and a Total Capital Adequacy Ratio of 20.03%, well above the regulatory requirements of 8.5% and 12.5%, respectively.

On 24th September 2025, NTB signed a Sale and Purchase Agreement to acquire Hongkong and Shanghai Banking Corporation’s (HSBC) Retail Banking operations in Sri Lanka. This strategic acquisition will cover HSBC Sri Lanka’s branch network, premium banking customers, credit cards, retail loans and approximately 200,000 consumer banking customer accounts. The transaction is subject to mandatory regulatory approval and is expected to be completed in the first half of 2026. For NTB, the acquisition of HSBC’s retail banking business in Sri Lanka will be a catalyst for the next phase of growth. 

The Bank remains committed to Environmental Stewardship, advancing initiatives in conservation and biodiversity research and education. Driven by strong financial fundamentals, consistent growth, and a culture of innovation, Nations Trust Bank continues to advance its strategic journey, affirming its commitment to expansion while delivering on its promise of ‘Trust in Better’.

Nations Trust Bank PLC serves a diverse range of customers across Consumer, Commercial and Corporate segments through multi-channel customer touch points spanning both physical and digital. The Bank continues to focus on digital empowerment through cutting-edge digital banking technologies and platforms. Nations Trust Bank PLC is an issuer and sole acquirer of American Express Cards in Sri Lanka with market leadership in the premium segments.