Investor Presentaiton

Income Statement [Bank] NDB bank LKR Mn Gross Income Q3-2018 Q3-2017 Variance % 36,797 31,650 5,148 16 Net Interest Income 39 10,628 7,656 2,972 Net Fee and Commission Income 25 2,272 1,813 459 Total Operating Income 30 15,634 12,023 3,612 Impairment charges for loans and other losses 171 2,365 872 1,493 Net operating income 19 13,269 11,151 2,118 Total operating expenses 6,162 5,472 690 13 Operating Profit Taxes 25 7,107 5,679 1,428 3,078 2,369 709 30 PAT Group PAS 22 4,029 3,310 719 3,573 42 2,520 1,053 اله ☐ Net operating income from core banking operations [excluding equity income] increased by 43% Increase in taxes by 30% Bank PAT crosses LKR 4 bn, an impressive feat for nine months performance 11

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