Abstract:Sentiment analysis is crucial for brand reputation management in the banking sector, where customer feedback spans English, Sinhala, Singlish, and code-mixed text. Existing models struggle with low-resource languages like Sinhala and lack interpretability for practical use. This research develops a hybrid aspect-based sentiment analysis framework that enhances multilingual capabilities with explainable outputs. Using cleaned banking customer reviews, we fine-tune XLM-RoBERTa for Sinhala and code-mixed text, integrate domain-specific lexicon correction, and employ BERT-base-uncased for English. The system classifies sentiment (positive, neutral, negative) with confidence scores, while SHAP and LIME improve interpretability by providing real-time sentiment explanations. Experimental results show that our approaches outperform traditional transformer-based classifiers, achieving 92.3 percent accuracy and an F1-score of 0.89 in English and 88.4 percent in Sinhala and code-mixed content. An explainability analysis reveals key sentiment drivers, improving trust and transparency. A user-friendly interface delivers aspect-wise sentiment insights, ensuring accessibility for businesses. This research contributes to robust, transparent sentiment analysis for financial applications by bridging gaps in multilingual, low-resource NLP and explainability.