Annual Report 2012 - National Savings Bank

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114ASSESSING AND MANAGING OUR RISK FACTORSRISK MANAGEMENTIndustry wise Credit Exposures 2012 (based on SLFRS)56.2%0.4%0.1%7.9%25.5%5.5%4.4%number of customers and backed bymarketable securities.Credit QualityThe Bank has established a creditquality review process to provide earlyidentication of possible changes inthe credit worthiness of counterparties,including regular collateral revisions.Establishing industry acceptablecriteria for assessment of risk prole ofthe borrower and the facility helps tomonitor the overall quality of the totalcredit portfolio and mitigate any creditrisk.Agriculture and FishingTransportConstructionTradersNew EconomyBanksOthersAn analysis of the behaviour of NPLcategories shows a shift in portfoliocomposition evident of the efciencyand effectiveness of recovery actionstaken during the year for ‘Doubtful’ and‘Loss’ accounts.Stress TestingAn important element of maintainingcredit quality is analysing what couldpotentially go wrong with individualcredits and the overall credit portfolioif conditions/environment in whichborrowers operate change signicantly.Accordingly, the Risk & ComplianceDivision has stressed tested NPLS toidentify the deviations from the risktolerance under assumed scenarios.Such stress tests can reveal previouslyundetected areas of potential creditrisk exposure that could arise in timesof crisis.The results of this analysis should thenbe factored into the assessment of theLoan CategoryHHI HHI2011 2012Housing and Property Loans 0.15899 0.10165Loans against Deposits 0.02459 0.02446Loans to Government 0.00000 0.00210Loans to Government Institutions 0.00000 0.00052Development Finance Loans 0.00454 0.00268Pawning 0.12083 0.13069Personal 0.00030 0.00060Loans Granted Out of Investment Fund Account 0.00000 0.00007Others 0.00015 0.000090.30939 0.26288NATIONAL SAVINGS BANK . ANNUAL REPORT 2012
115ASSESSING AND MANAGING OUR RISK FACTORSRISK MANAGEMENTNPLRs.Mn (%)40002.03500300025001.9200015001.81000500-2010 2011 2012 Q1 2012 Q2 2012 Q3 2012 Q41.7Gross NPLNPL - NetNPL & Provision for NPL (%)(%)3230282624222018161412108642-2010 2011 2012 Q1 2012 Q2 2012 Q3 2012 Q4NPL (%)Provision / NPLNATIONAL 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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55ROOTED IN OUR HERITAGEGOVERNANCE
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Page 65 and 66: 63ROOTED IN OUR HERITAGEGOVERNANCE
Page 87 and 88: 85ROOTED IN OUR HERITAGEBOARD OF DI
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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
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Page 139 and 140: 137CHAPTER 5BRANCHING OUT INTO NEW
Page 141 and 142: 139BRANCHING OUT INTO NEW VENTURESS
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165BRANCHING 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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