🚀 Banks Deliver a Strong 3Q 2025! 🏦📊 PATMI hits LKR 52.4bn, surpassing 2Q — the 2nd-highest quarter ever. 🔑 What Drove Earnings • Stable NII & solid fee income • Impairments lower; reversals at HNB, NTB, ABL & CBNK 🏆 Key Performers • COMB leads private banks with PATMI LKR 16.6bn • Strong results from HNB, SAMP & NTB • YoY growth across all except PABC 📉 Asset Quality Improves • Stage 3 ratios continue to decline • Highest provision cover: SEYB (83%), HNB (76%) 💡 Efficiency & Profitability • Best C/I: COMB, NTB, NDB • Top ROEs: NTB, COMB, HNB 💹 Credit & Deposits (9M 2025) • Fastest credit growth: NTB (+41.9%) • Strong deposit momentum: COMB, HNB, DFCC 💹 Valuations Attractive • Sector trades below book • Strong ROE (19.5%) supports further rerating