Annual Report 2012 - National Savings Bank

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170BRANCHING OUT INTO NEW VENTURESSUSTAINABILITY REVIEW Name of the Bank Fitch Rating Web URL Call Centre numberBusiness Promotion & ImageBuildingThe Bank conducted a wide rangingseries of business promotions and brandbuilding activities during the year. Tofurther augment our market presence,we also participated in exhibitions andconducted seminars.Participation in exhibitions has beena highly effective method to reachmany consumers and interact withthem. We are happy to report that ourparticipation in the Construction Exporesulted in over 200 loan inquiries. Wealso used the Deyata Kirula Exhibitionas a venue to increase consumerawareness about our products andservices.As part of our overall promotionaland marketing drive, we successfullyintroduced a New Year campaignfrom 16th March onwards, in linewith the festivities of the traditionalSinhala-Tamil New Year. To furthermobilise savings, we introduced luckydraws, rewards programmes andadded incentives during the year.This included the seasonal campaign“Avurudu Wasana” and a campaignduring International Women’s Month,to promote our savings accounts forwomen Sthree. Other promotionalcampaigns applied to Smile, Win WinThegi Warusa and the Hapan Year FiveScholarship promotions.As a historic milestone to celebrateour 40th anniversary, NSB hostedthe World Savings Banks Institute’s(WSBI) 18th Asia-Pacic RegionalGroup Conference on the theme,‘The Competitiveness of CurrentRetail Banking of WSBI Members’.Forty delegates, from the 23 WSBImember institutions, from 16 countries,participated in the event. As part ofthe celebrations, a commemorativeplaque was presented to His Excellency,President Mahinda Rajapakse, atTemple Trees. The grand nale ofthe anniversary celebrations was amusical extravaganza titled, ‘Siw MahaDashaka Gettha Wansa Kathawa,’which featured popular singers fromSri Lanka.Technology Based MarketingCommunicationsAs a bank with a progressive approachto all our activities, we have leveragedmodern communications systems topromote our Bank. We have successfullyutilised the Internet and mobileplatforms as a means of communicatingwith our busy, tech savvy customers.During the year, we conducted SMSand e-mail campaigns to directlycommunicate with our customers.We promoted our technology basedproducts in magazines, and InternetBanking, and technology based bankingservices were advertised in LMD,Business Today and Medaperadiga, toraise awareness among consumers aboutour range of technology based servicesand facilities. We also developed webbased news publications for all e-papersand conducted E-yer campaigns. Wepromote all our technology based ITNATIONAL SAVINGS BANK . ANNUAL REPORT 2012
171BRANCHING OUT INTO NEW VENTURESSUSTAINABILITY REVIEWand NRFC products both internally aswell as externally.Establishing Logo IdentityThe logo was nalised and wasendorsed by the Chairman, GM/CEOand Senior Management.Customer Touchpoints EnhancedNo. of branches at theend of the year : 219No. of new ATMs at theend of the year : 231No. of new school bankingunits at the end of the year : 1,185Post Ofces : 641Subpost Ofces : 3,412Compliance in MarketingThere were no instances of noncompliancewith regulations andvoluntary codes concerning marketingcommunicationsComplaints on Customer PrivacyThere were no complaints regardingbreaches of customer privacy and/orloss of customer data.FinesThe Bank did not face any nes for noncomplianceof laws and regulationsNATIONAL 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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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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Page 121 and 122: 119ASSESSING AND MANAGING OUR RISK
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Page 185 and 186: 183CHAPTER 6THE RESULTS OF A CHALLE
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221THE 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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