Nations Trust Bank Plc · CSELK:NTB.N0000

Nations Trust Bank — 9M 2025 Earnings Presentation

11 slides from Nations Trust Bank's earnings presentation, Nov 26, 2025

  1. Slide 1: 9M2025 Results

    a NationsTrustBank 9M2025 Results 26th November 2025

  2. Slide 2: 9M2025 Results

    9M2025 Results Total Capital Ratio 20.0% (2024 : 22.7%) Return on Equity 23.2% (2024 : 24.2%) Stage 3 Provision Cover Ratio 62.8% (2024 : 60.6%)

  3. Slide 3: Our Partnerships

    Our Partnerships Key Shareholders as of 30th September 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 W

  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: Balance sheet growth 2013-2024

    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: 9M2025 Performance in a Nutshell (in LKR Mn)

    9M2025 Performance in a Nutshell (in LKR Mn) YoY 9M2025| 9M2024 % Net Interest Income 28,825 | 26,639 8% Non Fund Base Income 9,892 8,582 15% Total Operating Income 38,717 35,221 10% Impairment (356) 377 -194% OPEX 11,877 | 10,868 9% PBT 27,196 | 23,977 13% Taxes (VAT/SSL/Income) 12,285 11,809 4% PA

  7. Slide 7: Peer comparison: NTB, HNB, SAMP, NDB, COMB

    6 23.5% 21.4% 50.6% 21.0% 20.0% 48,022 41.6% 41.3% 17.4% 17.2% 34,726 13.0% 30.7% 12.4% 28.1% 10.0% 23,149 6.0% 14,911 8,139 NTB HNB SAMP NDB COMB NTB HNB SAMP NDB COMB NTB HNB SAMP NDB COMB NTB HNB SAMP NDB COMB 53.0% 65.0% 315.4% 6.2% 46.5% 52.3% 42.0% 47.0% 249.0% 4.5% 227.5% 226.6% 4.2% 4.1% 4.1

  8. Slide 8: Net Stage 3 and impairment coverage

    8 6.00% 70.00% 60.00% 5.00% 50.00% 4.00% 40.00% 3.00% 30.00% 2.00% 20.00% 1.00% 10.00% 0.00% 0.00% Jun-21 Jun-22 Jun-23 Jun-24 Jun-25 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Mar-23 Sep-23 Mar-24 Sep-24 Mar-25 Sep-25 Net Stage 3/ Total Loans Stage 3 Imparement Coverage

  9. Slide 9: Stage 3 Peer Comparison

    83% NDB gz0z0e SzOcOT 720208 4ZOTOT $2020 szozor 8 070 Rc40r4e13 $2020 szoz0e S Sz020T yeoz0e 720201 szoz0e sz0zot 7e0Z0E = 70201 szozoe szozor = NN veozoe 8 8 720201 szozoe SZOZOT v20zde 720z01 x ~ sz0zot 7e0z0€ 720z0t x ® t SEYB & 8 szozot A oz0e e0z0t 8 SAMP HNB BOC 2 8 ivi jaa o ‘Oo iv © o > fe}

  10. Slide 10: Nations Trust Bank Private Banking

    Nations Trust Bank Private Banking

  11. Slide 11: Trust in Better.

    Trust in Better.

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