Nations Trust Bank Plc · CSELK:NTB.N0000

Nations Trust Bank — Q1 2026 Earnings Presentation

9 slides from Nations Trust Bank's earnings presentation, May 25, 2026

1. Slide 1: Results Update - 1Q2026

   wa NationsTrustBank Results Update - 1Q2026 THE SHAPE OF BETTER 25th May 2026

2. Slide 2: 1Q 2026 Results

   1Q 2026 Results Total Capital Ratio 18.4% (2025 : 20.7%) Return on Equity 19.0% (20285 : 21.7%) Stage 3 Provision Cover Ratio 60.9% (2025 : 66.7%)

3. Slide 3: ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ 25% ▪ ▪ ▪ ▪ 30%

   ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ 25% ▪ ▪ ▪ ▪ 30% ▪ ▪ 10% ▪ ▪ 15% 20% ▪ ▪ ▪

4. Slide 4: Multi-year financial trends (LKR Mn)

   52,200 60,000 13,842 45,032 44,402 50,000 38,867 7,500 40,000 LKR Mn 23,269 3,847 22,552 3,742 21,310 3,274 3,301 20,698 30,000 16,914 985 690 1,089 13,711 12,519 20,000 -106 10,000 -3,196 0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

5. Slide 5: Multi-year loans, deposits and capital trends (LKR Mn)

   LKR Mn LKR Mn 15,171 176,262 2015 2015 17,321 211,180 2016 2016 21,470 267,629 2017 2017 27,059 325,016 2018 2018 31,396 325,369 2019 35,125 2019 337,991 2020 2020 40,159 379,552 2021 2021 46,041 414,944 2022 2022 61,126 516,134 2023 2023 79,477 545,586 2024 2024 96,916 700,308 2025 2025 LKR Mn 17.7

6. Slide 6: 1Q 2026 Performance in a Nutshell (in LKR Mn)

   1Q 2026 Performance in a Nutshell (in LKR Mn) YoY 1Q2026) 1Q2025 % Profitability 1Q2026 2025 Net Interest Income 10,329 9,280 11% NIM 5.7% 6.1% Non Fund Base Income 3,474 3,092 12% CI 33% 32% HT 0, Total Operating Income}! 13,803) 12,372 12% ROA 3.9% 45% 9 9 Impairment 623) 446 40% ROE 120%) 21.8% O

7. Slide 7: Credit Risk Management

   Credit Risk Management 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% Dec-20 Feb-21 Apr-21 Jun-21 Aug-21 Oct-21 Dec-21 Feb-22 Apr-22 Jun-22 Aug-22 Oct-22 Dec-22 Feb-23 Apr-23 —Net Stage 3/ Total Loans Jun-23 Apr-24 Aug-23 Oct-23 Dec-23 Feb-24 Jun-24 Aug-24 t- Dec-24 —Stage 3 Imparement Coverage Feb-25 Ap

8. Slide 8: Liquidity Risk Management

   Liquidity Risk Management Liquidity Coverage Ratio 400% 350% 300% & rot 3 © 5) s oy > fod Ss) > £ 3 = & a 250% 200% 150% 100% 50% 0% 92-48 ge-uer S2-AON Se-des se-inr 2-Aew s2-2eH ge-uer 472-HON vye-das ven e-KeW yee ye-uer €2-AON €2-dag e219 €¢-Aeyl ez-4e e2-uer 22-0on ze-das zz-ne ee-Kew ze-4eW ze

9. Slide 9: The Shape of Better

   — The Shape of Better

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