Highest-ever profit by NSB in 2025
View(s):National Savings Bank Group (NSB) in 2025 has recorded its highest-ever profit with the group’s Profit After Tax (PAT) showing a 61 per cent increase to Rs. 28.2 billion, from 2024.
“This outstanding performance underscores NSB’s pivotal role in sustaining public trust within Sri Lanka’s financial system,” the bank said in a media release.
Total assets expanded by 4 per cent to Rs. 1,831 billion, supported by calibrated growth in the loans and advances portfolio and strategic investments in government securities. Funding stability remained a cornerstone of NSB’s strength, with the deposit base growing by 3 per cent to Rs. 1,608 billion.
NSB’s profit growth was underpinned by a 17 per cent increase in net interest income (NII), which rose to Rs. 84.8 billion from Rs. 72.6 billion in 2024.
This performance was achieved despite a 3 per cent decline in interest income, as the bank’s proactive asset-liability management and disciplined deposit repricing delivered a 14 per cent reduction in interest expenses.
A feature of NSB’s 2025 performance was the 86 per cent reduction in impairment charges, which fell sharply to Rs. 1.64 billion from Rs. 11.53 billion in 2024.
Dr. Harsha Cabral PC, Chairman, said that NSB’s 69 per cent PAT growth reflects the resilience of its core franchise, the effectiveness of its risk management framework and the focused financial discipline. With capital ratios among the strongest in the sector and an explicit Government guarantee, NSB provides absolute assurance as the safest home for Sri Lanka’s savings, he added.
Rohana Bandara Weerakoon, Acting General Manager/CEO, added that digital transformation gained significant momentum, positioning NSB to meet evolving customer expectations. The bank will accelerate this transformation to improve service efficiency and expand reach, while deepening customer relationships through enhanced service delivery and financial literacy programmes.
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