Nations Trust Bank PAT up 10% in 1H 2025, loans grow 26%

Thursday, 14 August 2025 00:16 - - {{hitsCtrl.values.hits}}

PAT grows 10% YoY to Rs. 74 b
Loan growth Rs. 74 b, up 26% YoY
Director/CEO Hemantha D. Gunetilleke says performance highlights commitment to economic growth
Net Stage 3 Ratio of 1.24%
Total Capital Adequacy Ratio 18.24%
Return on Equity 21.25%

Chairperson Sherin Cader

Director/CEO Hemantha D. Gunetilleke

Nations Trust Bank PLC (NTB) reported a 10% increase in Profit after Tax (PAT) to Rs. 9 billion in 1H 2025, with its loan book expanding by 26%.

NTB Director/CEO Hemantha D. Gunetilleke said: “The bank’s performance in 1H 2025 highlights our commitment to economic growth and credit expansion across customer segments. Loans to our customers grew by Rs. 74 billion, a 26% increase in the first six months, highlighting the bank’s contribution to supporting business growth and economic revival. Our solid capital position, strong liquidity buffers and steadfast commitment to service excellence and digital empowerment remain as our key drivers of financial performance.”

The bank’s profitability was further supported by a Net Interest Margin (NIM) of 6.37%, reflecting efficient asset-liability management and prudent pricing strategies. The bank reported a Return on Equity (ROE) of 21.25%, while Earnings per Share for the period increased to Rs. 26.59, against Rs. 24.27 recorded during the same period last year.

Asset quality remained sound, with the Net Stage 3 Ratio contained at 1.24%, underscoring effective credit risk management.

“Capital strength continued to be the foundation of our growth readiness, with Tier I Capital at 17.12% and a Total Capital Adequacy Ratio of 18.24%, well above the regulatory requirements of 8.5% and 12.5%, respectively,” the bank said in a statement.

NTB 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 is an issuer and sole acquirer of American Express Cards in Sri Lanka, with market leadership in the premium segments.