Nations Trust Bank Plc · CSELK:NTB.N0000

Nations Trust Bank — FY2025 Earnings Presentation

10 slides from Nations Trust Bank's earnings presentation, Mar 11, 2026

  1. Slide 1: Results Update - 2025

    wa NationsTrustBank Results Update - 2025 THE SHAPE OF BETTER 11° March 2026

  2. Slide 2: 2025 Results

    2025 Results Total Capital Ratio 20.7% (2024 : 22.7%) Return on Equity 21.9% (2024 : 24.2%) Stage 3 Provision Cover Ratio 66.7% (2024 : 60.6%)

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

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

  4. Slide 4: LKR Mn 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: LKR Mn LKR Mn 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: 2025 Performance in a Nutshell (in LKR Mn)

    2025 Performance in a Nutshell (in LKR Mn) YoY 2025 2024 Net Interest Income 38,778 35,916 Non Fund Base Income 13,421 8,486 Total Operating Income 52,200 44,402 Impairment (106) (3,196) OPEX 16,957 14,974 PBT 35,349 32,624 | Taxes (VAT/SSL/Income) 16,090 15,868 PAT 19,258 16,756 YTD 2025 2024 Loans

  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 gaeegseee a egg aa sy 4 tes gage & 3838 5 22882 23 2 —Stage 3 Imparement Coverage Oct-24 Dec-24 Feb-25 A

  8. Slide 8: Liquidity Coverage Ratio

    Liquidity Coverage Ratio Liquidity Risk Management 400% 350% 300% & rot 3 © 5) s oy > fod Ss) > £ 3 = & a 3 + oO fe) ron 250% = & ro) q o + x] ro) x 200% 150% 100% 50% 0% G2-AON s2-deg sz-ne Se-Kew s2-2eW ge-uer Ye-AON 42-das vere 7e-ReW 42-0EW ve-uer €2-AON €e-des ez-nr ez-AeW ez-4eW ee-uer @2-Aon

  9. Slide 9: Enjoy a life of unspoken riches.

    Enjoy a life of unspoken riches. t Bank Private Banking, gives you the ‘ence life's truest wealth; the ones that, Nations Trust Bank Private Banking

  10. Slide 10: Trust in Better.

    Trust in Better.

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