Nations Trust Bank Plc · CSELK:NTB.N0000
Nations Trust Bank — 9M2024 Earnings Presentation
9 slides from Nations Trust Bank's earnings presentation, Nov 25, 2024
Slide 1: Results Update - 9M2024
a NationsTrustBank Results Update - 9M2024 BETTERIS IN THE DETAILS 25th November 2024
Slide 2: Line Up
Line Up Part O1 Part 02 Part O03 Part O4 Part O05 Overview Business Review & Strategy Portfolio Trends Credit Risk Management Liquidity Management
Slide 3: Shareholding structure
3 Other Shareholders, John Keells 25% Holdings, 30% Amaliya & MAS, 10% Central HWIC Asia Finance, 20% Fund, 15%
Slide 4: 9M2024 performance in a nutshell (in LKR Mn)
9M2024 performance in a nutshell (in LKR Mn) 9M2024,' 9M2023 % 9M2024) 9M2023 YoY Profitability Net Interest Income 26,639 26,478 1% NIM 7.0% 7.7% Non Fund Base Income 9,271 8,301 12% C:I 32% 31% Total Operating Income | 35,911 | 34,779 3% ROA 4.9% 4.0% ROE 24.7% 21.5% Impairement 377 4,528 -92% Liq
Slide 5: Revenue, costs, profit, loans and deposits trend
5 LKR Mn LKR Mn 50,000 400,000 Revenue Deposits 45,000 350,000 40,000 300,000 35,000 250,000 Loans 30,000 25,000 200,000 PBT 20,000 150,000 15,000 Opex 100,000 10,000 PAT 50,000 5,000 0 0 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Revenue Opex
Slide 6: Loans and Deposits mix
6 Loans Deposits 28% 33% 41% 40% 40% 38% 43% 59% 58% 65% 76% 78% 75% 72% 67% 59% 60% 60% 62% 57% 41% 42% 35% 24% 22% 25% 2017 2018 2019 2020 2021 2022 2023 2018 2019 2020 2021 2022 2023 Coporate & Commercial Consumer Corporate & Commercial Consumer
Slide 7: Net Stage 3 ratio and Stage 3 impairment coverage
7 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% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Net Stage 3/Total Loans Stage 3 Impairment Coverage
Slide 8: Liquidity Coverage Ratio and FD roll over ratio
0 100 200 300 400 500 600 700 800 LKR ALL Currency Liquidity Coverage Ratio Limit 83% 93% Dec-22 Dec-22 Jan-23 Jan-23 83% 97% Feb-23 Feb-23 Mar-23 82% Mar-23 96% Apr-23 77% Apr-23 80% May-23 88% May-23 98% 89% 98% Jun-23 Jun-23 76% Jul-23 Jul-23 95% 83% 98% Aug-23 Aug-23 Sep-23 82% Sep-23 99% 87% 99
Slide 9: Thank You
Thank You Disclaimer: This Report is prepared and issued by Nations Trust Bank and is based on information available in the public domain, internally developed and other sources believed to be correct. Although all reasonable care has been taken fo ensure that the contents of this document are accur