Annual Report 2012 - National Savings Bank

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174BRANCHING OUT INTO NEW VENTURESGRI COMPLIANCE INDEXReport Section Page/s4.7 Process of determining the qualications and expertise of the members Sustainability Review 146of the highest governance body for guiding the organisation’s strategyon economic, environmental and social topics.4.8 Internally developed statements of mission or values, codes of conduct, Sustainability Review 147and principles relevant to economic, environmental, and socialperformance and the status of their implementation.4.9 Procedures of the highest governance body for overseeing the Sustainability Review 147organisation’s identication and management of economic,environmental, and social performance, including relevant risks andopportunities, and adherence or compliance with internationally agreedstandards, codes of conduct, and principles.4.10 Processes for evaluating the highest governance body’s ownSustainability Review 147performance, particularly with respect to economic, environmental, andsocial performance.4.11 Explanation of whether and how the precautionary approach or Sustainability Review 148principle is addressed by the organisation.4.12 Externally developed economic, environmental, and social charters, Sustainability Review 148principles, or other initiatives to which the organisation subscribes orendorses.4.13 Memberships in associations (such as industry associations) and/or Sustainability Review 149national/international advocacy organisations in which the organisationhas memberships.4.14 List of stakeholder groups engaged by the organisation. Sustainability Review 150 - 1524.15 Basis for identication and selection of stakeholders with whom to engage. Sustainability Review 150 - 1524.16 Approaches to stakeholder engagement, including frequency of Sustainability Review 150 - 152engagement by type and by stakeholder group.4.17 Key topics and concerns that have been raised through stakeholderengagement, and how the organisation has responded to those keytopics and concerns, including through its reporting.Sustainability Review 150 - 152NATIONAL SAVINGS BANK . ANNUAL REPORT 2012
175BRANCHING OUT INTO NEW VENTURESGRI COMPLIANCE INDEXReport Section Page/sEconomic Performance IndicatorsAspect: Economic PerformanceEC1. Direct economic value generated and distributed, including revenues, Sustainability Review 154 - 156operating costs, employee compensation, donations and othercommunity investments, retained earnings, and payments to capitalproviders and governmentsEC2. Financial implications and other risks and opportunities for the Sustainability Review 157organisation’s activities due to climate changeEC3. Coverage of the organisation’s dened benet plan obligations Sustainability Review 163EC4. Signicant nancial assistance received from government Sustainability Review 157Aspect: Market PresenceEC5. Range of ratios of standard entry level wage compared to local Sustainability Review 157minimum wage at signicant locations of operationEC6. Policy, practices, and proportion of spending on locally-based suppliers Sustainability Review 157at signicant locations of operationEC7. Procedures for local hiring and proportion of senior management hired Sustainability Review 157from the local community at locations of signicant operationAspect: Indirect Economic ImpactsEC8. Development and impact of infrastructure investments and services Sustainability Review 165provided primarily for public benet through commercial, in-kind, orpro bono engagementEC9. Understanding and describing signicant indirect economic impacts, Sustainability Review 157including the extent of impactsEnvironmental Performance IndicatorsAspect: EnergyEN 1. Materials used by weight or volume Sustainability Review 158EN2. Percentage of materials used that are recycled input materials N/AEN3. Direct energy consumption by primary energy sourceN/AEN4. Indirect energy consumption by primary sourceN/AEN5. Energy saved due to conservation and efciency improvements Sustainability Review 158EN6. Initiatives to provide energy-efcient or renewable energy basedproducts and services, and reductions in energy requirements as a resultof these initiativesSustainability Review 158NATIONAL 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 125 and 126: 123ASSESSING AND MANAGING OUR RISK
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Page 185 and 186: 183CHAPTER 6THE RESULTS OF A CHALLE
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225THE 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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