Investor Presentaiton

LKR Mn Revenue Analysis - Fund Based Income LK Mn Q3 2018 Q3 2017 % growth Interest income 31,790 27,283 17 Interest expenses 21,163 19,627 8 NII 10,628 7,656 39 NIM (%) 3.36 2.9 I 35,000 30,000 25,000 20,000 2.90% 15,000 10,000 5,000 Fund based income 3.40% 4.00% Interest income Interest expenses 3.00% 2.00% Q3 2017 Q3 2018 NDB bank Impressive NII growth due to sound balance sheet management and ALCO strategies. *Loan book enhanced by LKR 69 bn YoY, supporting the interest income growth *The loans to deposits ratio improved to 102% helping maintain the increase in interest expenses at 8% 12

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