Nations Trust Bank Plc · CSELK:NTB.N0000

Nations Trust Bank — Q1 2025 Earnings Presentation

10 slides from Nations Trust Bank's earnings presentation, May 2, 2025

  1. Slide 1: The Results

    wa NationsTrustBank The Results TRUST IN BETTER 22"4 May 2025

  2. Slide 2: 1Q2025 Results

    1Q2025 Results Total Capital Ratio 20.6% (2024 : 22.7%) Return on Equity Stage 3 Provision Cover Ratio 20.5% 61.9% (2024 : 24.2%) (2024 : 60.6%)

  3. Slide 3: Our Partnerships

    Our Partnerships Key Shareholders as of 31st March 2025 Other John Keells Shareholder__ Holdings, 8, 25% > 30% / Muas Amaliya & _ MAS, 10% FAIRFAX q ——_Central HWIC Asia_~ Finance, Fund, 15% 20% Strategic Partnership Long-term Funding Partnerships International Finance Corporation FMO @)IFC|S225 Ban

  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: QoQ results and key ratios

    6 QoQ 1Q2025 1Q2024 % Profitabilitiy 1Q2025 4Q2024 Net Interest Income 9,280 9,092 2% NIM 6.5% 6.9% Non Fund Base Income 3,092 2,610 18% C:I 32.0% 34.0% Total Operating Income 12,372 11,702 6% ROA 4.5% 5.0% ROE 20.5% 24.2% Impairment 446 558 -20% Liquidity OPEX 3,929 3,657 7% LCR - All Currency 270.

  7. Slide 7: Stage 3 ratio and 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 Net Stage 3/ Total Loans Dec-22 Feb-23 Apr-23 Jun-23 Aug-23 Oct-23 Stage 3 Imparement Coverage Dec-23 Feb-24 Apr-24 Jun-24 Aug-24 Oct-24 Dec-24 Feb-25 0.00% 10.00% 20.00% 30.

  8. Slide 8: Liquidity Coverage Ratio

    0% 100% 300% 400% 500% 600% 700% 800% 200% Mar-21 May-21 Jul-21 Sep-21 Nov-21 Jan-22 Mar-22 May-22 Jul-22 Sep-22 LKR Nov-22 Jan-23 Mar-23 All Currency May-23 Jul-23 Liquidity Coverage Ratio Limit Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 8

  9. Slide 9: Creating yo

    Creating yo Se Nations Trust Bank Private Banking

  10. Slide 10: Thank You!

    Thank You!

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