Nations Trust Bank Plc · CSELK:NTB.N0000

Nations Trust Bank — H1 2025 Earnings Presentation

10 slides from Nations Trust Bank's earnings presentation, Aug 28, 2025

  1. Slide 1: 1H2025 Results

    a NationsTrustBank 1H2025 Results 28" August 2025

  2. Slide 2: 1H2025 Results

    1H2025 Results Total Capital Ratio 18.2% (2024 : 22.7%) Return on Equity 21.5% (2024 : 24.2%) Stage 3 Provision Cover Ratio 62.1% (2024 : 60.6%)

  3. Slide 3: Our Partnerships

    Our Partnerships Key Shareholders as of 30th June 2025 Other Shareholder s, 25% MmuMaAs Amaliya & MAS, 10% FAIRFAX HWIC Asia_~ Fund, 15% John Keells Holdings, 30% sits. —_Central Finance, 20% Strategic Partnership Long-term Funding Partnerships FMO @ IFC Bank International Finance Corporation WORLD

  4. Slide 4: 4x in 4 years

    4 13,842 16,000 60,000 14,000 44,402 Revenue Revenue Cost CAGR N/A 45,032 CAGR 14% 12,000 50,000 38,867 7,500 10,000 40,000 8,000 Cost CAGR 3,847 3,742 LKR Mn 3,301 3,274 6,000 LKR Mn 23,269 09% 22,552 21,310 20,698 30,000 1,182 1,089 4,000 985 16,914 690 451 2,000 13,711 12,519 12,117 20,000 9,910

  5. Slide 5: LKR Mn LKR Mn LKR Mn

    5 384,782 545,585 516,134 347,769 600,000 400,000 CAGR 13% CAGR 13% 297,253 414,944 500,000 350,000 267,988 379,552 240,574 337,991 231,463 300,000 325,016 325,369 226,872 400,000 194,269 267,629 250,000 LKR Mn LKR Mn 211,180 151,502 300,000 200,000 176,262 129,158 158,781 111,010 142,128 95,730 200

  6. Slide 6: 1H2025 Performance in a Nutshell (in LKR Mn)

    1H2025 Performance in a Nutshell (in LKR Mn) YoY 1H2025) 1H2024 Net Interest Income 19,036 | 18,055 Non Fund Base Income 6,506 6,003 Total Operating Income 25,543 | 24,058 Impairment 590 978 OPEX 7,696 7,330 PBT 17,257 | 15,750 Taxes (VAT/SSL/Income) 8,464 7,724 PAT 8,793 | 8,026 YTD 1H2025 2024 Loa

  7. Slide 7: Net Stage 3 and Stage 3 Impairment Coverage

    0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 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 Net Stage 3/ Total Loans Feb-23 Apr-23 Jun-23 Aug-23 Oct-23 Dec-23 Feb-24 Stage 3 Imparement Coverage Apr-24 Jun-24 Aug-24 Oct-24 Dec-24 Feb-25 Apr-25 Jun-25 0.00% 10.

  8. Slide 8: Liquidity Coverage Ratio

    0% 100% 200% 300% 500% 600% 700% 800% 400% Feb-21 Apr-21 Jun-21 Aug-21 Oct-21 Dec-21 Feb-22 Apr-22 Jun-22 Aug-22 Oct-22 LKR Dec-22 Feb-23 Apr-23 All Currency Jun-23 Aug-23 Liquidity Coverage Ratio Limit Oct-23 Dec-23 Feb-24 Apr-24 Jun-24 Aug-24 Oct-24 Dec-24 Feb-25 Apr-25 Jun-25 8

  9. Slide 9: Keep Your Banking Private and Your Moments Rich

  10. Slide 10: Trust in Better.

    Trust in Better.

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