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Sampath Bank PLC (SAMP.N) Q3 2025 Financial Results Analysis - Sri Lanka Banking Sector Performance Review Sampath Bank continues to demonstrate strong financial performance in the Sri Lankan banking sector despite challenging market conditions. This comprehensive analysis covers the bank's third quarter 2025 interim financial statements, examining profitability trends, asset quality improvements, and strategic growth initiatives. The report highlights Sampath Bank's position as a leading commercial bank in Sri Lanka, focusing on digital banking expansion, loan portfolio growth, and capital adequacy metrics. Key focus areas include net interest margin compression, non-fund income growth, credit quality enhancement, and the bank's designation as a Domestic Systemically Important Bank (D-SIB) by the Central Bank of Sri Lanka. Nine Months Key Metrics (January - September 2025): Profit Before Tax: Rs 35.3 Bn, up 18% year-on-year Profit After Tax: Rs 21.5 Bn, up 21% year-on-year Total Assets: Rs 1.95 Tn, growth of 10% Gross Loan Portfolio: Rs 1,147 Bn, crossed Rs 1 Tn milestone Loan Growth: 18.9% expansion Total Deposits: Rs 1,607 Bn, up Rs 137.6 Bn CASA Ratio: 34.5%, improved from 34.0% Net Interest Margin: 4.09%, down from 4.90% Fee and Commission Income: Rs 15.6 Bn, up 20% Return on Equity: 17.24% Return on Assets: 2.52% Total Capital Ratio: 17.21% Earnings Per Share: Rs 18.30, up 21% NPL Ratio: 3.77%, improved from 4.69% 00:00 - Intro 00:55 - Company Overview 02:26 - Income Statement Analysis 04:12 - Balance Sheet Analysis 05:34 - Cash Flow Analysis 07:38 - Major Shareholding List 08:08 - Financial Ratios 11:38 - 5 Year Summary 14:14 - Price Chart 14:49 - Like, Share & Subscribe This video provides a deep dive into understanding financial statements, focusing on the balance sheet and income statement. Learn how to conduct effective financial analysis using key financial ratios. 📢 About CSE Reports Hub: CSE Reports Hub is your go-to source for in-depth financial report analysis of companies listed on the Colombo Stock Exchange (CSE). We break down financial statements, highlight key financial ratios, and present data-driven insights—all without investment advice or stock recommendations. Stay informed with our clear and concise financial summaries to help you understand the performance of Sri Lanka’s leading companies. Subscribe now for regular updates! 📌 Subscribe to CSE Reports Hub for more financial report analyses from the Colombo Stock Exchange! ---------------------------------- Sector Wise Playlists ---------------------------------- Banks • Sector - Banks Diversified Financials • Sector - Diversified Financials Manufacturing • Sector - Manufacturing (Materials) Insurance • Sector - Insurance Food, Beverage & Tobacco • Sector - Food, Beverage & Tobacco Plantations • Sector - Plantations Consumer Services • Sector - Consumer Services Retail • Sector - Retailing Utilities • Sector - Utilities Consumer Durables & Apparel • Sector - Consumer Durables & Apparel Capital Goods • Sector - Capital Goods Energy • Sector - Energy Telecommunication • Sector - Telecommunication Real Estate • Sector - Real Estate Healthcare • Sector - Healthcare --- ------------------ Disclaimer ------------------ The information provided in this video is for educational and informational purposes only and should not be considered as financial, investment, or trading advice. The discussions, analyses, and insights shared do not constitute buy, sell, or hold recommendations for any stocks, securities, or financial instruments. Investing in financial markets involves risks, and past performance is not indicative of future results. Viewers are encouraged to conduct their own research, assess their risk tolerance, and consult with a qualified financial advisor before making any investment decisions. The creator of this video is not responsible for any financial losses or decisions made based on the information presented. All investment decisions are solely at your own discretion and risk. By watching this video, you acknowledge and agree that you are solely responsible for your financial actions. --- #CSEReportsHub #FinancialAnalysis #SriLankaStocks #StockMarket #EarningsReport #Investing