Annual Report 2012 - National Savings Bank

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106ASSESSING AND MANAGING OUR RISK FACTORSRISK MANAGEMENTComposition of Assets0%1%the Banking Act No. 30 of 1988 asamended by the Banking Act No. 33 of1995.2%3%31%Placements with banksOther nancial assets held for tradingLoans and receivables to banksLoans and receivables to other customersThe capital base and the risk weightedamount under each category of risk aregiven in the following table.Financial investments - Available for sale62%Financial investments - Held to matuarity1%OtherThe composition of assets mainlycomprise of Financial Investmentswhich is 62% of total assets.Capital AllocationThe Capital Adequacy Ratio (CAR)also known as “Capital to Risk WeightedAssets Ratio” (CRAR), measures theBank’s ability to absorb reasonableamount of losses before insolvency. Theassets are weighed according to the levelof riskiness which arises from credit,market and operational risks based onthe regulatory guidelines.The capital adequacy ratios serve toprotect depositors and promote thestability and efciency of the nancialsystem.The Asset and Liability ManagementCommittee (ALCO) headed by theGeneral Manager/CEO and theCorporate Management team reviewsand decides assets allocation, pricing,liquidity, strategic investments etc.The Bank regularly measures andmaintains its capital adequacy asrequired by the Section 76 j (1) ofNATIONAL SAVINGS BANK . ANNUAL REPORT 2012
107ASSESSING AND MANAGING OUR RISK FACTORSRISK MANAGEMENTItem Rs.Mn Rs.MnPaid up Share Capital/ Common Stock 3,200.0Statutory Reserve Fund 1,626.5General and Other Reserves 17,766.2Less: Deductions (Tier I) (2,466.6)Core Capital (Tier I) 20,126.1Supplementary Capital (Tier II) 1,286.1Less: Deductions (Tier II) (1,180.5)Tier III Capital 0.0Capital Base 18,945.7Minimum Capital Charge for Credit Risk 5,394.3Minimum Capital Charge for Market Risk 1,392.8Minimum Capital Charge for Operational Risk 2,403.8Risk Weighted Amount for Credit Risk 53,942.7Risk Weighted Amount for Market Risk 13,927.9Risk Weighted Amount for Operational Risk 24,038.3Total Risk Weighted Amount 91,909.0Core Capital (Tier I) Ratio (Minimum Requirement 5%) 21.90Total Capital (Tier II) Ratio (Minimum Requirement 10%) 20.61(%)30.0025.00Trend of the Capital Adequacy Ratio of Bank20.0015.0010.005.00-20082009 2010 2011 2012YearTier IStatutory Ratio (Tier I)Tier IIStatutory Ratio (Tier II)NATIONAL SAVINGS BANK . ANNUAL REPORT 2012
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ROOTEDANNUAL REPORT 2012
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ROOTEDNATIONAL SAVINGS BANK l ANNUA
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5MISSIONProviding our customers wit
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7ROOTEDFor over 40 years, the Natio
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92000Establishment of subsidiary co
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11HOW WE PERFORMED IN 2012FINANCIAL
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13CHAPTER 1FIRMLY ANCHOREDSTRATEGY
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15A MESSAGE FROM MR SUNIL S. SIRISE
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17A MESSAGE FROM MR SUNIL S. SIRISE
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19A REVIEW BYMR. HENNAYAKE BANDARAG
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21A REVIEW BY MR HENNAYAKE BANDARAG
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23A REVIEW BY MR HENNAYAKE BANDARAG
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25CHAPTER 2HOW WE PERFORMED IN 2012
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33HOW WE PERFORMED IN 2012ECONOMIC
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35HOW WE PERFORMED IN 2012ECONOMIC
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37HOW WE PERFORMED IN 2012ACHIEVEME
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39HOW WE PERFORMED IN 2012OPERATION
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51HOW WE PERFORMED IN 2012FUTURE PL
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53CHAPTER 3ROOTED IN OUR HERITAGEGO
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Page 91 and 92: 89ROOTED IN OUR HERITAGEGENERAL MAN
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Page 105 and 106: 103CHAPTER 4ASSESSING AND MANAGING
Page 107: 105ASSESSING AND MANAGING OUR RISK
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157BRANCHING OUT INTO NEW VENTURESS
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173BRANCHING OUT INTO NEW VENTURESG
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183CHAPTER 6THE RESULTS OF A CHALLE
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185THE RESULTS OF A CHALLENGING YEA
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251CHAPTER 7ANNEXURESNATIONAL SAVIN
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253STATEMENT OF FINANCIAL POSITION
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255TEN YEARS AT A GLANCE(Rs Mn)Year
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257OUR PRODUCTS AND SERVICESSAVINGS
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259OUR PRODUCTS AND SERVICES19. Ran
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261OUR PRODUCTS AND SERVICESOUR EXT
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263BRANCH NETWORKCentral Province1.
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265CORRESPONDENT BANKSCiti Bank NA,
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267EXCHANGE COMPANIESHabib Qatar In
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269GLOSSARYCredit RatingsAn evaluat
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271GLOSSARYReturn on Average Assets
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273CORPORATE INFORMATIONCOMPLIANCE
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Annual Report 2012 - National Savings Bank

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