Amana Bank 3Q 2025 PAT soars 98%

■Nine-month PBT reaches Rs. 2.7 b ■YTD advances up by 30% with industry low NPA of 1.1%

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AMANA Bank continued its strong profitability momentum by nearly doubling its profits in 3Q to reach a year-to-date (YTD) Profit-Before-Tax (PBT) of Rs. 2.7 billion (39% YoY) and PAT of Rs. 1.6 billion (44% YoY), setting a new record by achieving the bank's 2024 full-year PBT in nine months. During 3Q, PBT soared by 91% YoY to Rs. 1.2 billion and after taxation, profit stood at Rs. 0.7 billion, recording a 98% YoY growth.

On the bank's top-line performance, Net Financing Income during 3Q grew significantly by 42% YoY to reach Rs. 2.26 billion, resulting in a 19% YoY increase in Net Financing Income for the nine months ended 30 September 2025 to reach Rs. 6.1 billion, supported by a healthy financing margin of 4.2%.

The bank's Net Fee and Commission Income recorded strong growth of 53% YoY during 3Q to reach Rs. 417.1 million and 35% YoY during the nine months to surpass the Rs. 1 billion mark. This contributed to Total Operating Income rising to Rs. 2.8 billion in 3Q and Rs. 7.5 billion as of 30 September 2025, translating to a YoY growth of 34% and 15% respectively.

The resultant impact of improved business environment, proactive customer engagement, and strengthened portfolio quality, enabled the Bank to achieve a reversal in its Impairment Charges, leading to a 49% increase in Net Operating Income to Rs. 3 billion for 3Q and a 24% increase to Rs. 7.6 billion for the nine months ended 30 September 2025.

The bank improved its Cost-to-Income Ratio to 49% in 3Q, while also strengthening its overall ratio to 51% as of 30 September 2025, compared to 52% recorded at the end of both Q1 and H1 2025 and 53% in 2024.