• LKR 143Bn Loan Growth, up 50% YoY
• Profit After Tax of LKR 19.3Bn, up 15% YoY
• Net Stage 3 Ratio of 0.91%
• Tier I Capital Ratio at 19.61%
• Total Capital Adequacy Ratio of 20.72%
• Return on Equity 21.86%

Nations Trust Bank PLC (NTB) delivered a strong end to the financial year, reporting robust financial results for the 12 months ending 31 December 2025, with a Profit After Tax (PAT) of LKR 19.3Bn, reflecting a 15% year on year growth. The Bank’s performance was driven by healthy asset growth, resilient Net Interest Margins (NIMs) and disciplined risk management, reflected in a low Net Stage 3 Ratio of 0.91%. A strong capital base underpinned this momentum, with a Return on Equity (ROE) of 21.86%, highlighting the Bank’s strategic success and its readiness to pursue the next phase of growth.

Nations Trust Bank, Director and Chief Executive Officer, Hemantha Gunetilleke, stated, “The Bank’s performance in the year 2025 reflects the resilience of our business model and the disciplined execution of our strategy at Nations Trust Bank. The 50% growth in loan book is an indication of our commitment to supporting the growth of consumers, SMEs and Corporates and the broader Sri Lankan economy. This growth helps drive investment, expansion, and economic recovery across key sectors of the country. As we continue to strengthen our capital base and liquidity position, we remain focused on creating value through service excellence, digital capability and customer centric innovation.”

As a result of efficient asset-liability management and prudent pricing strategies, the Bank sustained a NIM of 6.05%. The Bank’s Earnings Per Share for the twelve months ending 31st December 2025 increased to LKR 57.76, against LKR 50.39 recorded during the same period last year. Asset quality remained sound, with the Net Stage 3 Ratio contained at 0.91%, highlighting prudent lending and effective credit risk management.

Strong financial performance continues to bolster NTB’s capital base with a Tier 1 Capital Ratio of 19.61% and a Total Capital Adequacy Ratio of 20.72%, well above the regulatory requirements of 8.5% and 12.5%, respectively.

Following the binding Sale and Purchase Agreement signed with HSBC Sri Lanka in September 2025, NTB received official approval from the Central Bank of Sri Lanka (CBSL) in December 2025 to acquire HSBC Sri Lanka’s retail banking operations. The transaction is scheduled to conclude in the second quarter of 2026. The acquisition will integrate approximately 200,000 customer accounts, including premium banking clients, credit cards, and retail loans into NTB’s portfolio. By significantly expanding its presence in the premium retail segment, NTB strengthens its future readiness, driving long-term growth.

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