Sector PATMI reached LKR 62.4bn in 2Q 2026, marking the second-highest quarterly earnings on record, supported by strong credit expansion and resilient core income. 🔑 Key Highlights • 📈 Broad-based NII growth driven by strong lending • 💰 BOC led sector earnings with PATMI of LKR 20.7bn • 🚀 Strong earnings momentum from COMB, HNB, SAMP & NTB • 📊 NTB, SAMP & HNB led loan growth 📉 Asset Quality • Stage 3 ratios continued to decline across the sector • Lowest Stage 3 ratios: SEYB, NTB, ABL & HNB • 🛡️ Highest provision cover: SEYB (85.3%) & COMB (74.1%) 💡 Profitability & Valuations • ⭐ Highest NIM: NTB (5.58%) • 🔥 Strongest ROEs: NTB, BOC & COMB • 📌 Sector trades at 4.9x PER & 0.8x PBV • 📈 Significant re-rating potential given strong ROEs and improving fundamentals