Pan Asia Banking Corporation delivered a stellar financial performance for the nine months ending September 30, 2025, reaffirming its resilience and strategic agility in a gradually recovering yet challenging macroeconomic environment. The Bank reported a 36 percent increase in Profit After Tax (PAT), reaching 3.02 billion rupees, alongside Earnings Per Share (EPS) of 6.83, driven by strong portfolio growth, cost discipline, and a sustained commitment to profitability.
A key highlight of the period was the Bank’s superior asset quality, reflected in one of the lowest Stage 3 loan ratios in the industry at 2.06 percent as of September 2025. This performance underscores prudent credit risk management and disciplined underwriting standards. Net fee and commission income rose sharply by 38 percent, supported by increased demand for loans and advances in a low-interest rate environment. Trade and remittance income also grew significantly, highlighting the Bank’s diversified revenue base.
Pan Asia Bank continued its focus on developing its workforce, recognizing that investing in talent is essential to delivering superior customer experiences, enabling innovation, and sustaining long-term shareholder value. The Bank recorded a Net Interest Margin (NIM) of 4.64 percent, a Return on Equity (ROE) of 14.46 percent, and a Pre-Tax Return on Assets (ROA) of 2.11 percent, demonstrating strong value creation and operational effectiveness.
Total assets grew by 12 percent over the period, driven by robust loan growth of 26 percent across SME, corporate, and retail segments in response to heightened credit demand. Customer deposits increased by 26 billion rupees, or 14 percent, surpassing 217 billion rupees by the end of the period. The Bank maintained a stable low-cost funding profile with a CASA ratio of 21.27 percent.
Capital and liquidity strength remained a cornerstone of Pan Asia Bank’s performance. The CET1 and Tier 1 Capital Ratios stood at 15.43 percent, well above regulatory thresholds of seven percent and 8.50 percent. The Total Capital Ratio was 17.07 percent versus a minimum requirement of 12.50 percent. Liquidity levels were also strong, with an all-currency Liquidity Coverage Ratio (LCR) of 166.27 percent and a Rupee LCR of 180.89 percent, accompanied by an NSFR of 127.90 percent—all comfortably above regulatory norms. These metrics demonstrate prudent balance sheet management and the Bank’s capacity to support sustained growth.
As Pan Asia Bank celebrates its 30th anniversary, it reflects on three decades of prudent growth, financial stability, and strategic evolution since its establishment in 1995. The Bank has built a reputation as a trusted mid-tier institution recognized for strong governance, disciplined risk management, and consistent value delivery.
Aravinda Perera, Chairman highlighted the Bank’s evolution and commitment to innovation, resilience, and stakeholder value. Naleen Edirisinghe, CEO emphasized disciplined execution, strong customer trust, and strategic investments in digital transformation, advanced risk management, and trade finance capabilities. These initiatives will enhance efficiency, deepen market presence, and ensure alignment with global best practices and sustainability standards.
With a renewed focus on technology-driven banking, ESG integration, and prudent capital management, Pan Asia Bank aims to strengthen its position as a leading financial partner in Sri Lanka. Its 30-year legacy stands as a testament to its commitment to transparency, innovation, and long-term value creation—solidifying its standing as the “Truly Sri Lankan Bank.
