🚀 Banks Shine in 2Q 2025! 🏦📊 PATMI hits LKR 49.1bn – the sector’s 2nd-highest quarter ever! 🔑 What Drove Earnings? • Stable NII & strong fee income • Lower impairments across most banks 🏆 Leaders: • COMB tops with PATMI of LKR 16.0bn • Strong show from HNB, SAMP & NTB • Most banks grew YoY & QoQ (except CBNK & SAMP) 📉 Asset Quality & Impairments: • Stage 3 loans trending down • HNB saw reversals, COMB highest charge • Strong cover: SEYB (81.8%), HNB (74.9%) 💡 Efficiency & Profitability: • Best Cost-to-Income: COMB, NTB, DFCC, SAMP • Top ROEs: NTB, COMB, SAMP, HNB 💹 Valuations Attractive: Banks still trade below book, with sector ROE at 18% suggesting further upside. 🏅 BRS Bank Rankings: COMB leads overall on size, ROE, CASA & efficiency.