Nations Trust Bank nine-month PAT up 23% to Rs. 14.9 b

Monday, 17 November 2025 00:22 - - {{hitsCtrl.values.hits}}

Loan growth up 45% YoY to Rs. 131 b
Net Stage 3 ratio of 1.03%
Tier I capital at 18.90%
Total Capital Adequacy Ratio at 20.03%
Return on equity at 23.20%

Chairperson Sherin Cader

Director/CEO Hemantha D. Gunetilleke

Nations Trust Bank PLC has reported strong financial results for the nine months ending 30 September 2025, reporting a Profit After Tax (PAT) of Rs. 14.9 billion, up 23% year-on-year (YoY).

In a statement, NTB said 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.

NTB Director and CEO Hemantha D. Gunetilleke said: “The bank’s performance in the third quarter of 2025 demonstrates NTB’s financial strength and the successful execution of a clearly defined strategy. Customer lending grew by Rs. 131 billion, 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 30 September 2025 increased to Rs. 45.10, against Rs. 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 24 September, 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.