Annual Report 2012 - National Savings Bank

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14NATIONAL SAVINGS BANK . ANNUAL REPORT <strong>2012</strong>
15A MESSAGE FROM MR SUNIL S. SIRISENACHAIRMAN“Our relationship withcustomers must become avisible asset...”“We need to forge our own path to achieve intended growth. We need tobelieve in what we do. We have already initiated this by working on ourpenetration and accessibility strategy, as we believe it is better to be highlyvisible in locales that will embrace us and complement us than to placeourselves in the same space and level as our competitors.”NATIONAL SAVINGS BANK . ANNUAL REPORT <strong>2012</strong>
Page 1: ROOTEDANNUAL REPORT 2012
Page 5 and 6: ROOTEDNATIONAL SAVINGS BANK l ANNUA
Page 7 and 8: 5MISSIONProviding our customers wit
Page 9 and 10: 7ROOTEDFor over 40 years, the Natio
Page 11 and 12: 92000Establishment of subsidiary co
Page 13 and 14: 11HOW WE PERFORMED IN 2012FINANCIAL
Page 15: 13CHAPTER 1FIRMLY ANCHOREDSTRATEGY
Page 19 and 20: 17A MESSAGE FROM MR SUNIL S. SIRISE
Page 21 and 22: 19A REVIEW BYMR. HENNAYAKE BANDARAG
Page 23 and 24: 21A REVIEW BY MR HENNAYAKE BANDARAG
Page 25 and 26: 23A REVIEW BY MR HENNAYAKE BANDARAG
Page 27 and 28: 25CHAPTER 2HOW WE PERFORMED IN 2012
Page 35 and 36: 33HOW WE PERFORMED IN 2012ECONOMIC
Page 37 and 38: 35HOW WE PERFORMED IN 2012ECONOMIC
Page 39 and 40: 37HOW WE PERFORMED IN 2012ACHIEVEME
Page 41 and 42: 39HOW WE PERFORMED IN 2012OPERATION
Page 53 and 54: 51HOW WE PERFORMED IN 2012FUTURE PL
Page 55 and 56: 53CHAPTER 3ROOTED IN OUR HERITAGEGO
Page 57 and 58: 55ROOTED IN OUR HERITAGEGOVERNANCE
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65ROOTED IN OUR HERITAGEGOVERNANCE
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85ROOTED IN OUR HERITAGEBOARD OF DI
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87ROOTED IN OUR HERITAGEBOARD OF DI
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89ROOTED IN OUR HERITAGEGENERAL MAN
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91ROOTED IN OUR HERITAGECORPORATE M
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93ROOTED IN OUR HERITAGEEXECUTIVE M
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95ROOTED IN OUR HERITAGEREPORT OF T
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101ROOTED IN OUR HERITAGEREPORT OF
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103CHAPTER 4ASSESSING AND MANAGING
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105ASSESSING AND MANAGING OUR RISK
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137CHAPTER 5BRANCHING OUT INTO NEW
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139BRANCHING 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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