Annual Report 2012 - National Savings Bank

233THE RESULTS OF A CHALLENGING YEARNOTES TO THE FINANCIAL STATEMENTS23. a. Analysis by productBankGroupFor the year ended 31st December 2012 2011 2012 2011Rs. ‘000 Rs. ‘000 Rs. ‘000 Rs. ‘000Loans and advancesTrade finance 9,224,151 6,905,245 9,224,151 6,905,245Pawning 51,797,586 38,775,926 51,797,586 38,775,926Staff loans 2,578,573 1,930,332 2,578,573 1,930,332Term loansShort-term 24,967,583 18,690,855 24,971,830 18,702,070Long-term 52,266,089 39,126,650 52,266,089 39,126,650Securities purchased under resale agreements 980,930 734,329 980,930 734,329OthersSri Lanka Government Securities 7,057,898 5,283,577 7,057,898 5,283,577Administrative Borrowings 6,141,815 4,597,793 6,141,815 4,597,793Others 230,611 172,637 230,611 172,637Gross total 155,245,236 116,217,344 155,249,483 116,228,55923. b. Analysis by industryBankGroupFor the year ended 31st December 2012 2011 2012 2011Rs. ‘000 Rs. ‘000 Rs. ‘000 Rs. ‘000Agriculture and fishing 756,004 565,948 756,004 565,948Transport 146,146 109,406 146,146 109,406Construction 42,968,115 32,166,142 42,968,115 32,166,142Traders 9,224,151 6,905,245 9,228,398 6,916,460New economy 7,451,931 5,578,552 7,451,931 5,578,552Others 94,698,889 70,892,051 94,698,889 70,892,051Gross total 155,245,236 116,217,344 155,249,483 116,228,55923. (c) All Loan and receivable to other customers are in Sri Lankan Rupees.23. (d) Movements in Collective Impairment Charges during the YearBankGroupFor the year ended 31st December 2012 2011 2012 2011Rs. ‘000 Rs. ‘000 Rs. ‘000 Rs. ‘000Collective impairmentOpening balance 495,462 352,830 495,462 352,830Charge to income statement 130,935 142,632 130,935 142,632Net write-off during the year (624) - (624) -Closing balance 625,773 495,462 625,773 495,462NATIONAL SAVINGS BANK . ANNUAL REPORT 2012