💰 PATMI LKR 2.8bn (+51% YoY) – driven by higher NII and strong fee income, while costs stayed broadly flat YoY. 🏦 NII +16% YoY to LKR 7.8bn, aided by cheaper funding and slower rise in interest expenses. 💳 Fee & commission income +62% YoY, reflecting stronger economic and transactional activity. 🛡 Impairments +65% YoY to LKR 2.2bn, with Stage 3 ratio improving to 4.6% (from 5.7% in 4Q 2024). 📊 Loan book +17% YTD and deposits +14% YTD, outpacing listed peers’ average growth. 📈 ROE 13.4% (2Q annualized) and TTM ROE 11.2%, above 5Y avg (8.7%) but below sector avg (14%). 💹 Trading at PER 7.2x and PBV 0.7x (vs. sector avg 9.6x & 0.9x) – highlighting attractive valuations with re-rating potential. 🏆 Rated A(lka) by Fitch | 138 branches & 5,500 ATMs