📢 COMMERCIAL BANK OF CEYLON PLC (COMB.SL) – 1Q 2026 Earnings Commentary 🧾 EPS: LKR 10.72 vs. LKR 8.95 in 1Q 2026 (+20% YoY) 💰 PATMI: LKR 17.7bn, up 20% YoY , driven by strong NII and net fee & commission income, alongside relatively lower impairment charges during the quarter. 💸 Net Interest Income: LKR 38.8bn ( +13% YoY), supported by strong NIMs and healthy loan growth. 🔁 Impairment Provisions: LKR 3.2bn vs. LKR 7.2bn in 1Q 2025. 📈 Net Loans & Advances: +4% in 2026 YTD (vs. Dec 2025), with net loan disbursements of ~LKR 68.5bn during the quarter. 📈 Deposits: +6% 2026 YTD (vs. Dec 2025), underscoring the bank’s strong funding franchise Key Ratios NIM: 4.50% (vs. 4.51% in 4Q 2025) Stage 3 Loan Ratio: 1.34% (vs. 1.54% in 4Q 2025)