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Growing Together

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Growing Together Hand in Hand Growing Together AMÃNA BANK PLC ANNUAL REPORT 2019 | 2 Amãna Bank PLC Annual Report 2019 Hand in Hand Growing Together We look back on a year full of challenges in which resilient performance facilitated sustained growth. Our continued efforts in being on the pulse of our stakeholders, constantly engaging with them in order to fine tune our strategies, helped us to record this resilient performance and be focused in advocating our unique banking experience across the market. The results therefore, stands witness to our relentless spirit, in expanding our reach and delivering value and rewards as promised, for another successive year. While we grew, we did not lose sight of the bigger picture and our responsibilities as a corporate entity, to give back. We made a special effort in supporting a less privileged segment of our society through a venture that has inspired many in the process. We also engaged with the larger community in further aligning ourselves towards achieving sustainable development goals. Hand in hand, we are growing together, inspired and engaged towards enabling growth and enriching lives. Sempervivum tectorum are members of the Sempervivum group of succulent plants. They grow well indoors and outdoors, in cool or hot temperatures. These plants are of the rosette shape and has the habit to produce numerous offshoots. Contents 4 Financial Highlights Financial Reports 6 Other Highlights 172 Independent Auditors’ Report 8 Chairman’s Message 176 Statement of Profit or Loss 12 iNdm;sjrhdf.a mKsjqvh 177 Statement of Comprehensive Income 14 jiytupd; nra;jp 178 Statement of Financial Position 16 Chief Executive Officer’s Review 179 Statement of Changes in Equity 20 Board of Directors 180 Statement of Cash Flows 26 Independent Sharia Supervisory Council 181 Notes to the Financial Statements 28 Profiles of Strategic Shareholders 240 Financial Summary 30 Management Committee 242 Compliance with Disclosure Requirements of 32 Assistant Vice Presidents and Heads of Departments Central Bank of Sri Lanka 33 Senior Managers 250 Pillar III Market Disclosures 36 Our Value Creation Model 265 Investor Relations 38 Management Discussion and Analysis 270 Correspondent Banks 56 Human Resources Management Review 272 Glossary of Banking and Financial Terms 62 Report on Sharia Supervision 278 Branch Network Information 66 Amãna Bank OrphanCare 282 Notice of Annual General Meeting 72 Corporate Social Responsibility 283 Form of Proxy 74 Contribution to Sustainable Development Goals Inner Back Cover Corporate Information 76 Risk Management 110 Corporate Governance 137 Bank’s Compliance with Prudential Requirements 139 Directors' Statement on Internal Control over Financial Reporting 141 Independent Assurance Report on Directors’ Statement on Internal Control Over Financial Reporting 143 Annual Report of the Board of Directors on the Affairs of the Bank 147 Directors’ Interest in Contracts 149 Board Audit Committee Report 152 Board Integrated Risk Management Committee Report 154 Board Human Resources and Remuneration Committee Report 155 Board Nomination Committee Report 157 Related Party Transactions Review Committee Report 159 Statement of Directors’ Responsibility 161 Independent Sharia Supervisory Council Report 162 iajdëk Yßhd wëlaIK iNd jd¾;dj 163 RahjPd ~hpM Nkw;ghh;itr; rigapd; mwpf;if 164 Sharia Governance Scan to view this Annual Report online or visit https://www.amanabank.lk/investor-relations/annual-reports.html Vision To be an admired leader in providing equitable financial solutions, not limited to numerics, but also in earning the trust of our customers, employees, shareholders and country. Mission To adopt a unique and people friendly approach with a passion for continuous improvement, enabling growth and enriching lives of our customers. Amãna Bank PLC Annual Report 2019 3 Financial Highlights 2019 2018 Change Change % Operating Results for the Year - LKR '000 Financing Income 7,709,286 6,883,222 826,064 12 Financing Expenses 4,544,371 3,522,889 1,021,482 29 Total Operating Expenses 2,591,016 2,305,652 285,363 12 Operating Profit Before VAT on Financial Services, NBT and DRL 1,376,674 1,322,237 54,437 4 Profit Before Tax 844,848 902,199 (57,351) (6) Tax Expenses 383,917 345,753 38,163 11 Profit for the Year 460,931 556,446 (95,514) (17) Assets and Liabilities - LKR '000 Financing and Receivables to Other Customers (Advances) 57,716,961 52,853,663 4,863,298 9 Total Assets 86,579,570 77,269,767 9,309,803 12 Due to Depositors 71,614,753 61,722,683 9,892,071 16 Total Liabilities 74,726,002 65,635,667 9,090,335 14 Shareholders' Funds 11,853,568 11,634,100 219,468 2 Key Ratios - % Net Financing Margin 3.9 4.4 Return on Assets (after Tax) 0.6 0.7 Return on Equity 3.9 4.6 Dividend Yield 3.5 2.3 Net Non Performing Advances Ratio 1.5 0.9 Gross Non Performing Advances Ratio 3.7 2.8 Investor Information - LKR Net Asset Value Per Share 4.74 4.65 Market Value Per Share - as at 31 December 2.30 3.10 Earnings Per Share - Basic/Diluted 0.18 0.22 Dividend Per Share 0.08 0.07 Regulatory Ratios - % Capital Adequacy Ratios Common Equity Tier 1 Capital Ratio (Min Requirement 2019 - 7% ; 2018 - 6.375%) 15.4 17.6 Tier I Capital Ratio (Min Requirement 2019 - 8.5% ; 2018 - 7.875%) 15.4 17.6 Total Capital Ratio (Min Requirement 2019 - 12.5% ; 2018 - 11.875%) 16.9 19.0 Leverage Ratio (Min Requirement - 3%) 9.7 N/A Statutory Liquid Asset Ratio Domestic Banking Unit (Min Requirement - 20%) 27.7 23.0 Offshore Banking Unit (Min Requirement - 20%) 38.0 35.1 Liquidity Coverage Ratio Rupee (Min Requirement 2019 - 100% ; 2018 - 90%) 142.9 141.8 All Currency (Min Requirement 2019 - 100% ; 2018 - 90%) 110.0 117.5 Net Stable Funding Ratio (Min Requirement - 100%) 183.8 N/A 4 Amãna Bank PLC Annual Report 2019 Total Assets (LKR Bn) Advances (LKR Bn) Deposits (LKR Bn) 100 70 80 90 60 70 80 60 70 50 50 60 40 50 40 30 40 30 30 20 20 20 10 10 10 0 0 0 2015 2015 2019 2019 2017 2017 2016 2016 2018 2018 2015 2019 2017 2016 2018 Financing Income and Financing Expenses (LKR Mn) Net Fees and Commission Income (LKR Mn) Operating Income and Expenses (LKR Mn) 9,000 350 5,000 8,000 300 7,000 4,000 6,000 250 3,000 5,000 200 4,000 150 2,000 3,000 100 2,000 1,000 1,000 50 0 0 0 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2015 2019 2017 2016 2018 Financing Expenses Financing Income Operating Expenses Operating Income Profit Before Tax and Profit After Tax (LKR Mn) Net NPA (%) Gross NPA (%) 10,000 3.0 5.0 9,000 4.5 8,000 2.5 4.0 7,000 2.0 3.5 6,000 3.0 5,000 1.5 2.5 4,000 2.0 3,000 1.0 1.5 2,000 0.5 1.0 1,000 0.5 0 0 0 2015 2015 2019 2017 2018 2019 2017 2016 2016 2018 2015 2016 2017 2018 2019 Profit After Tax Profit Before Tax Amãna Bank Amãna Bank Industry Industry Amãna Bank PLC Annual Report 2019 5 Other Highlights No. of Customers No. of Branches 2019 2019 338,636 31 2018 - 289,095 2018 - 29 No. of Self No. of Points for No. of Points for Banking Centres Withdrawals Deposits 2019 2019 2019 19 4,870 750+ 2018 - 14 2018 - 4,655 2018 - 44 No. of Gold External Rating LMD Top 100 Safekeeping Units 2019 Ranking 2019 2019 29 BB(lka) 91st 2018 - 27 2018 - BB(lka) 2018 - 95th Brand Finance - Brand Ranking & No. of Awards Won Brand Value 2019 2019 th 13 85 2018 - 11 LKR 602Mn 2018 - 87th (LKR 385 Mn) 6 Amãna Bank PLC Annual Report 2019 Hand in hand, we are bringing our inclusivity to more customers than before; digitally and physically ensuring our presence while creating convenience for all Chairman’s Message Demonstrating resilience in the face of external challenges "I wish to inform our shareholders that the overarching vision and resilience of Amãna Bank prevailed, supported by prudent strategic planning and execution, to report a resilient financial performance during the year." 8 Amãna Bank PLC Annual Report 2019 In the Name of Allah, the Most Gracious the sector activities, helped us remain buoyant in "The Bank comfortably Most Merciful the face of external challenges. surpassed industry I am pleased and honoured to address you, We are convinced that, as seen in the past, the growth rates as it grew its our esteemed shareholders following the Sri Lankan economy will demonstrate required completion of a commendable year of overall courage to withstand external shocks, and advance portfolio by 9% performance by Amãna Bank, which included through timely reforms, which are already and despite tight market our second successive dividend payment, in being implemented, will rebound to see an a particularly challenging year for the entire improvement in the overall economy in 2020 liquidity conditions the Bank country. and beyond. substantially grew its deposits portfolio by 16%." ECONOMIC BACKGROUND PERFORMANCE OVERVIEW The downward trend in global economic Amãna Bank recorded a Profit Before Tax growth continued, forcing key monetary of LKR 845 million and a Profit After Tax of authorities to implement rate cuts in 2019. LKR 461 million in the financial year 2019, Global growth for 2019 was estimated at 2.4%, which is a significant achievement aided by and is expected to marginally improve in timely alignment of strategies in tandem 2020.
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