📢 HATTON NATIONAL BANK PLC (HNB.SL)) – 1Q 2026 Earnings Commentary * 🧾 EPS: LKR 17.64 vs. LKR 18.71 in 1Q 2025 (-6% YoY) * 💰 PATMI: LKR 10.1bn, down -6% YoY, mainly due to higher impairment charges and elevated operating expenses. * 💸 Net Interest Income: LKR 32.5bn (+17% YoY), supported by strong loan book expansion. * 🔁 Impairment charge: LKR 3.1bn vs. a reversal of LKR 194.3mn in 1Q 2025 * 📈 Net Loans & Advances: +8% YTD (from Dec 2025) reflecting strong credit demand and HNB’s continued market penetration. * 📈 Deposits: +3% YTD (from Dec 2025), underscoring the bank’s strong franchise and stable funding base. Key Ratios: • NIM: 4.45% (vs. 4.26% in 4Q 2025) • Stage 3 loans ratio: 1.18% (vs. 1.09% in 4Q 2025)