Nations Trust Bank delivers 26% loan growth in 1H 2025

Chairperson Sherin Cader

Director/CEO Hemantha Gunetilleke

Nations Trust Bank PLC for the 1H25 period achieved a profit after tax of Rs.9 billion, reflecting a healthy 10 percent year-on-year growth.

The bank saw loans grow by Rs.74 billion, a 26 percent increase in the first six months, highlighting the bank’s contribution to supporting business growth and economic revival. 

“Our solid capital position, strong liquidity buffers and steadfast commitment to service excellence and digital empowerment remain as our key drivers of financial performance,” said Nations Trust Bank Director and Chief Executive Officer Hemantha D. Gunetilleke. 

The bank’s profitability was further supported by a net interest margin of 6.37 percent. Nations Trust Bank reported a return on equity of 21.25 percent, while its earnings per share for the six months ending June 30, 2025 increased to Rs.26.59, against Rs.24.27 recorded during the same period last year.

Asset quality remained sound, with the net stage three ratio contained at 1.24 percent, underscoring effective credit risk management.

Capital strength continued to be the foundation of its growth readiness, with Tier I capital at 17.12 percent and a total capital adequacy ratio of 18.24 percent, well above the regulatory requirements of 8.5 percent and 12.5 percent, respectively. 

Nations Trust Bank serves a diverse range of customers across the consumer, commercial and corporate segments through multi-channel customer touch points spanning both physical and digital. The bank continues to focus on digital empowerment through cutting-edge digital banking technologies and platforms. 

Nations Trust Bank is an issuer and sole acquirer of the American Express cards in Sri Lanka, with market leadership in the premium segments.