Annual Report 2012 - National Savings Bank

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260OUR PRODUCTS AND SERVICES28. Travelers’ Cheques and ForeignCurrency NotesTravelers’ Cheques and ForeignCurrency Notes are accepted asdeposits to Rupee Accounts atattractive foreign exchange rates.29. Foreign Inward RemittancesSri Lankan nationals living/employedabroad could remit funds to their ownfamily members’ and relatives’ LKR/NRFC/RFC Accounts at NSB or toany other account with any other Bankin Sri Lanka via Exchange Houses andBanks with whom the NSB has alreadyestablished the relationship for fundtransfer.30. EurogiroNSB joined the Eurogiro Network inearly 2008 and prides itself of beingthe sole Eurogiro Member inSri Lanka. Eurogiro is a low costelectronic money transfer systempioneered by the Western PostalOrganizations and Banks. Under theEurogiro, funds could be transferredthrough Deutsche Postbank(Germany), Korea Post (Korea), IsraelPost (Israel), Poste Italiane (Italy), ThaiPost Bank (Thailand) and La BanquePostale (France).31. Web-based RemittancesWe are also agents in Sri Lanka forglobal money transfer channels suchas “INSTANT CASH”, “XPRESSMONEY”, “UNIStream”, “EzRemit”,and “Transfast”.32. Money Changing BusinessThe Bank commenced moneychanging business in selected branchesto encash foreign currency as well as toissue foreign currency.OTHER SERVICES33. Speed CashNSB Speed cash is a secured and fastover-the-counter fund transfer servicewhich facilitates transfer of fundsbetween any two parties.34. Investments in GovernmentSecuritiesInvestment in Treasury Bills andTreasury Bonds as facilitated atany NSB branch or NSB FundManagement Company.35. Standing OrdersStanding Orders authorize the Bankto make a series of payment on behalfof the customers to a named payeeor benefiting by debiting there Savingaccount or fixed payment account.36. Mail Transfer OrdersIt is authorize the bank to transferfunds even one branch to anotherbranch of the Bank.37. Safety Deposit LockersNSB provides a safe and trusted placefor safekeeping valued belongings.38. Gratuity Payment SchemeNSB also offers a Gratuity PaymentScheme up to Rs. One Million wherepayments are made at the death ofaccount holders to their nominee/sor heir/s. On the basis of the balancein their accounts, any active accountholder aged between 18 to 70 yearswith a minimum balance of Rs.15,000/= will be entitled to this facility.39. GuaranteesThis is an instrument, which amountsto an unconditional undertaking bythe Bank, to discharge the liability ofa depositor; in the event of his / herfailing to discharge the obligation.40. Utility Bill PaymentsUtility Bill Payment Services areavailable at NSB and you can payutility bills at any of our branches. Billswill be updated online as soon as youpay your bill.NATIONAL SAVINGS BANK . ANNUAL REPORT 2012
261OUR PRODUCTS AND SERVICESOUR EXTENDEDCHANNEL NETWORK41. 24 / 7 NSB Call CentreNSB Call Centre is to facilitatecustomers who contact the Bank forenquiries related to their bankingactivities. Customers could obtaininformation related to Bank Productsand Services by contacting the CallCentre by telephone, e-mail, Skype orWeb chat.42. Post Office SavingsThe facility of depositing money atNSB through any Post Office / SubPost Office. is available customer canopen Thepal Hapan Children’s SavingsAccounts, Sthree Thepal SavingsAccounts, Ordinary Savings Accounts,and Fixed Deposits Accounts andpurchase Ridhee Rekha PremiumSavings Certificates at Post / Sub PostOffices. is also available Ran Sahanapawning facility at selected Post Offices/ Sub Post Offices.as transfer of funds among savingsaccounts are accompanied in thisfacility.44. SMS BankingViewing of Account balance atanytime from mobile phone isprovided. The SMS Banking isavailable for Savings Accounts holdersand payment of Utility Bills andtransfer funds among Savings Accountsare additional features.45. Mobile BankingPoint of Sale Banking (POS) or DoorStep Banking is open with the latesttechnology. Facilitated the moneydeposing with NSB while being athome, school or workplace.46. School BanksNSB was involved in establishingSchool Banks, where school childrenlearn the habit of savings and get usedto the leadership role within the school.43. Virtual NSB - Internet BankingNSB customers can view your accountbalance and past transactions atanytime anywhere using InternetBanking. Easy Card and paymentof bills online at anytime as wellNATIONAL 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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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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Page 211 and 212: 209THE RESULTS OF A CHALLENGING YEA
Page 253 and 254: 251CHAPTER 7ANNEXURESNATIONAL SAVIN
Page 255 and 256: 253STATEMENT OF FINANCIAL POSITION
Page 257 and 258: 255TEN YEARS AT A GLANCE(Rs Mn)Year
Page 259 and 260: 257OUR PRODUCTS AND SERVICESSAVINGS
Page 261: 259OUR PRODUCTS AND SERVICES19. Ran
Page 265 and 266: 263BRANCH NETWORKCentral Province1.
Page 267 and 268: 265CORRESPONDENT BANKSCiti Bank NA,
Page 269 and 270: 267EXCHANGE COMPANIESHabib Qatar In
Page 271 and 272: 269GLOSSARYCredit RatingsAn evaluat
Page 273 and 274: 271GLOSSARYReturn on Average Assets
Page 275: 273CORPORATE INFORMATIONCOMPLIANCE
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