Annual Report 2012 - National Savings Bank

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266EXCHANGE COMPANIESAl Ahalia ExchangeP.O. Box 2419,Abu Dhabi, U.A.E.Tel: 97126269341www.alahaliamoneyexchange.comAl Ansari ExchangeP. O. Box 325,Abu Dhabi, U.A.E.Tel: 97126108 888www.alansariexchange.cominfo@alansari.aeAl Dar For Exchange WorksP.O.Box 24048,Doha State of QatarTel: 9744550455Al Fardan Exchange-Abu DhabiP.O.Box 498, Amin Khourl Building, LiwaStreet, Abu Dhabi, U.A.E.Tel: 971026223222exchange@alfardangroup.comfarhaj.ali@alfardanexchange.comAl Fardan Exchange-QatarAlfardan Centre, Grand Hamad Avenue,P.O.Box 339, Doha, Qatar.Tel: 97444408408afx@alfardan.com.qaAl Mulla InternationalAl Mulla Group Head Office,Free Trade Zone,Shuwaikh, KuwaitTel: 96522250888Al Rajhi BankP.O.Box 28,Riyadh 11411,Kingdom of Saudi Arabia.Tel: 96612116000www.alrajhibank.com.saAl Rostamani International ExchangeAl Rostamani International Exchange,P.O.Box 10072, Dubai, U. A. E.Tel: 97146098152www.alrostamaniexchange.comariemgt@alrostamanigroup.aeArabian Exchange Co.P.O.Box 3535,Doha-Qatar.Tel: 9744438200www.arabianex.comarabianex@qatar.net.qaAsia Express ExchangeP.O. Box 881-RUWI,PC 112,Muscat,Sulanate of Oman.Tel: 96824781727slankaex@omantel.net.comBaharain ExchangeP.O. Box 29149,Safat 13152, Kuwait.Tel: 965824000www.bec.com.kwbaexco@bec.com.kwBaharain Finance Co.P.O. Box 243, ManamaKingdom of BaharainBank Al BiladP.O.Box 140,Riyadh-11411, Saudi Arabia.Tel: 96614798888www.bankalbilad.com.saCB Unistream Bank20, Verhnyaya Maslovka str,bldg. 2, 127083,Moscow, RussiaTel: 74957445555www.unistream.comrelations@unistream.comCiti Global RemittanceBaharan Financing Co.P.O.Box 243, ManemoKingdom of BaharainCity International ExchangeAbdullah Dashti Building,Abdullah Mubarak Street,P.O.Box 21804,Safar 13079, KuwaitTel: 9652448507citex@qualitynet.netColombo InternationalMoney TransferColombo Money Transfer Services PtyLtd,3 Clow st, Dandenong,Victoria 3175,Australia.Tel: (03)97923065info@colombomoneytransfer.com.auDalil ExchangeP.O.Box 20404,Manama,Kingdom Of Bahrain.Tel: 17223464www.dalil.com.bhdalilint@batelco.com.bhDollarco ExchangeP.O.Box 26270,Safat 13123, Kuwait.9652412767dollarco@qualitynet.netEmirates International ExchangeP.O. Box 7190,Dubai, U.A.E.Tel: 600522248www.emiratesexchange.aeHabib Exchange-Abu DhabiCentral Office, Hamdan Street,P.O.Box 2370,Abu Dhabi, U.A.E.Tel: 6272316www.habibexchange.comhecoad@emirates.net.aeNATIONAL SAVINGS BANK . ANNUAL REPORT 2012
267EXCHANGE COMPANIESHabib Qatar International ExchangeP.O.Box 1188, Mushirib Street,Doha Qatar.Tel: 974424373www.habibqatar.comhabib@qatar.net.qaIME ( M ) SDN.BHDGround Floor,No 22, Jalan Medan Pasar 50050,Kuala Lampur, Malaysia.Tel: 03-20727260www.ime-txnremit.comInstant Cash ExchangeEast Wing, Building 2,Office No.203,DAFZA,P.O. Box 3014, Dubai, U. A. E.Tel: 97143602288www.instantcashworldwide.comrahat@instantcashworldwide.comKapruka (PVT) Ltd1/1324, Centre Road,Clayton, VIC 3168, Australia.Tel: 610395445060www.kapruka.com.auKuwait AsianInternational ExchangeKuwait Asian International Exchange,Qaiseria No.1, Shop Number 48,Fahaheel, Kuwait.Tel: 96523910522kuaiew@yahoo.comMajan ExchangeP.O.Box 583, Postal Code :117,Sultanate of OmanTel: 24794017majanech@omantel.net.omMoney Gram1550, Utica Avenue South,Minneapolis, MN 555416, U.S.A.Tel: 9525913000National Exchange Co.Via Ferruccio, 3000185,Roma, Italy.Tel: 390644341221www.nationalexchange.itnec@nationalexchange.itNational Money ExchangeP.O.Box 29760, Safat 13158 Kuwait, StateOf Kuwait.Tel: 2462680nmekwt@qualitynet.netOman & UAE Exchange CentreP.O.Box 1116, Postal Code: 131, AlHamriyah, Sultante of Oman.Tel: 96824796533omanuaex@omantel.net.omSamba Financial GroupKing Abdulaziz Road, P.O.Box 833,Riyadh 11421, Saudi Arabia.Tel: 96614774770www.samba.com.saTrans Fast Remittence LLCAmmus, Paptamali Road, Irianjala Kuda,Trichur District, Kerala, India.Tel: 919946000780UAE Exchange Centre-Abu DhabiP.O.Box 170, Level 02,Al Sayegh Center, Sheikh Hamdan Street,Abu Dhabi, U.A.E.Tel: 97126105555www.uaeexchange.comhq@uaeexchange.comUAE Exchange Centre-KuwaitP.O.Box 26155, Safat 13122, Kuwait.Tel: 9652459417www.uaeexchangekuwait.comkuwait.ho@uaeexchange.com.kwValuTrans SPAVia Melchiorre Gioia 168, Milano, Italia.Tel: 390291431300www.valutrans.itWallstreet ExchangeP.O.Box 3014, Dubai U. A. E.Tel: 97142284889www.wallstreet.corp.cominfo@wallstreet.aeXpress Money Exchange3rd Floor,Al Sayegh Building,Hamdan Street,P.O.Box 170,Abu Dhabi,U.A.E.Tel: 97126105691www.expressmoney.comNATIONAL 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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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 217 and 218: 215THE 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 and 262: 259OUR PRODUCTS AND SERVICES19. Ran
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Page 265 and 266: 263BRANCH NETWORKCentral Province1.
Page 267: 265CORRESPONDENT BANKSCiti Bank NA,
Page 271 and 272: 269GLOSSARYCredit RatingsAn evaluat
Page 273 and 274: 271GLOSSARYReturn on Average Assets
Page 275: 273CORPORATE INFORMATIONCOMPLIANCE
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Annual Report 2012 - National Savings Bank

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