Nations Trust Bank Plc · CSELK:NTB.N0000
Nations Trust Bank — FY2024 Earnings Presentation
10 slides from Nations Trust Bank's earnings presentation, March 2025
Slide 1: The Results
ww NationsTrustBank The Results TRUST IN BETTER 24% March 2025
Slide 2: Full Year Results 2024
Full Year Results 2024 Total Capital Ratio 22.7% (2023 : 19.7%) Return on Equity Stage 3 Provision Cover Ratio 24.2% 60.6% (2023 : 21.3%) (2023 : 55.3%)
Slide 3: Revenue, cost and people trends 2013-2024
3 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
Slide 4: Assets, loans, deposits and profit trends
4 384,782 545,585 516,134 347,769 600,000 400,000 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
Slide 5: 2024 Performance at a Glance (in LKR Mn)
2024 Performance at a Glance (in LKR Mn) 2024 2023 % 2024 2023 YoY Profitability Net Interest Income 35,916 34,951 3% NIM 6.9% 71% Non Fund Base Income 8,486 10,081 -16% C:l 34% 31% Total Operating Income 44,402 45,032 -1% ROA 5.0% 41% ROE 24.2% 21.3% Impairment (3,196) 7,500 -143% Liquidity oPex ee
Slide 6: Net Stage 3 and impairment coverage
6 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 Dec-24 Net Stage 3/Total Loans Stage 3 Impairment Coverage
Slide 7: Liquidity Coverage Ratio
0% 100% 200% 300% 400% 700% 800% 500% 600% Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 LKR Mar-23 Apr-23 May-23 Jun-23 All Currency Jul-23 Aug-23 Sep-23 Liquidity Coverage Ratio Limit Oct-23 Nov-23 Dec-23 Jan-24 Feb-24 Mar-24 Apr-24 May-24
Slide 8: Our Partnerships
Our Partnerships Strategic Partnership Key Shareholders as of 31st December 2024 Other John Keells Shareholder Holdings, Long-term Funding Partnerships s, 25% Y 30% International ~ FMO @)IF¢| 22235 Finance Corporation Mmuas om Amaliya & MAS, 10% “Central Strong Franchise Partnerships HWIC Asia_~ Fin
Slide 9: Do what you enjoy the most with Nations Direct
i “ _ Do what you enjoy the most with Nations Direct
Slide 10: 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