Nations Trust Bank Plc · CSELK:NTB.N0000
Nations Trust Bank — H1 2026 Earnings Presentation
11 slides from Nations Trust Bank's earnings presentation, Aug 20, 2026
Slide 1: Results Update - 1H2026
wa NationsTrustBank Results Update - 1H2026 THE SHAPE OF BETTER 20th August 2026
Slide 2: 1H2026 Results
1H2026 Results Total Capital Ratio 16.4% (2025 : 20.7%) Return on Equity 31.3% (2025 : 21.9%) Stage 3 Provision Cover Ratio 60.0% (2025 : 66.7%)
Slide 3: ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ 25% ▪ ▪ ▪ ▪ 30%
▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ 25% ▪ ▪ ▪ ▪ 30% ▪ ▪ 10% ▪ ▪ 15% 20% ▪ ▪ ▪
Slide 4: Assets
Acquired Kandy branch of Standard Chartered Bank Assets 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H2026E
Slide 5: LKR Mn
13,842 52,200 45,032 44,402 38,867 7,500 30,351 3,847 3,742 3,301 3,274 23,269 22,552 21,310 2,252 20,698 1,089 16,914 985 690 13,711 12,519 106 -3,196 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H 2026 2026 3,128 3,151 19,258 16,
Slide 6: A Decade of Growth
A Decade of Growth LKR Mn S . t Assets g Deposits 8 CAGR g & CAGR 3 17% e 17% Q e 8 8 = 8 &F oe 8 Sg 2 8 8 . g & $ 6 © o g & o £ 8 B &® § *& = 3g « « 8 & §F & eo € &§ § £ € SF & @ ¢ § &8 2 &§ 4 w 8 2 a a 9 og g a Ss ¢$ 9° & a l [| | | TE il 1 [ | 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 202
Slide 7: 1H 2026 Performance in Summary (in LKR Mn)
1H 2026 Performance in Summary (in LKR Mn) YoY Net Interest Income Non Fund Base Income Total Oprating Income Impairment OPEX PBT Taxes (VAT/SSL/Income) PAT YTD Loans Deposits Capital 1H2026 22,222 8,129 30,351 2,252 9,690 18,408 2,849 15,559 1H2026 541,892 687,954 105,030 1H2025 19,036 6,507 25,543
Slide 8: 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 Jun-23 Aug-23 —Net Stage 3/ Total Loans Oct-23 Dec-23 Feb-24 Apr-24 Jun-24 Aug-24 Oct-24 ec: Feb-25 ——Stage 3 Imparement Coverage
Slide 9: Liquidity Risk Management
Liquidity Risk Management Liquidity Coverage Ratio 400% 350% 300% 250% Liquidity Coverage Ratio 202.98% (2025 : 203.40%) 200% 150% 100% 50% we ew PP PP J § SKK PK SS MK FM SK & x os wy —All Currency ——Limit
Slide 10: Transaction Drivers
10 • • Retail Banking portfolio in HSBC Nations Trust Bank Sri Lanka Transaction Drivers * Including credit card outstanding balances
Slide 11: Let's move forward as one
‘é ew ty fie ee == Aa “When paths come together, Something stronger “ a yA 5 “takes shape. — = A = = Let’s move forward ds one.