Notes to the Consolidated Financial Statements - Seylan Bank
Notes to the Consolidated Financial Statements - Seylan Bank
Notes to the Consolidated Financial Statements - Seylan Bank
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North Bound > <strong>Seylan</strong> <strong>Bank</strong> Annual Report 2011<br />
313<br />
21.9 Concentration of Credit Risk<br />
Sec<strong>to</strong>r-wise analysis of credit portfolio given below, reflects <strong>the</strong> exposure <strong>to</strong> credit risk in <strong>the</strong> various sec<strong>to</strong>rs<br />
of <strong>the</strong> economy.<br />
BANK<br />
GROUP<br />
2011 2010 2011 2010<br />
Rs. ’000 % Rs. ’000 % Rs. ’000 % Rs. ’000 %<br />
Food, Beverages and Tobacco 751,989 0.68 738,563 0.77 751,989 0.68 738,563 0.77<br />
Agriculture, Agro Business & Fisheries 3,938,898 3.59 5,697,329 5.91 3,938,898 3.59 5,697,329 5.91<br />
Textiles and Wearing Apparel 1,094,748 0.99 1,635,893 1.70 1,094,748 0.99 1,635,893 1.70<br />
Wood & Paper Products 908,843 0.83 733,893 0.76 908,843 0.83 733,893 0.76<br />
Rubber & Lea<strong>the</strong>r Products 286,334 0.26 383,473 0.40 286,334 0.26 383,473 0.40<br />
Metals, Chemicals & Engineering 645,829 0.59 648,714 0.67 645,829 0.59 648,714 0.67<br />
Hotels 1,209,546 1.10 834,100 0.86 1,209,546 1.10 834,100 0.86<br />
Services 6,035,788 5.50 4,115,470 4.27 6,035,788 5.50 4,115,470 4.27<br />
O<strong>the</strong>rs 94,967,689 86.46 81,659,617 84.66 94,967,689 86.46 81,659,617 84.66<br />
Gross Loans & Advances 109,839,664 100.00 96,447,052 100.00 109,839,664 100.00 96,447,052 100.00<br />
Loans & Advances 109,839,664 96,447,052 109,839,664 96,447,052<br />
Lease Rentals Receivable 7,578,842 4,223,180 7,578,842 4,223,180<br />
Bills of Exchange 1,000,912 1,415,624 1,000,912 1,415,624<br />
Inter-Company Loans – 383,127 – –<br />
Gross Loans & Advances Including Lease<br />
Receivables & Bills of Exchange 118,419,418 102,468,983 118,419,418 102,085,856<br />
‘O<strong>the</strong>rs’ Category Comprises <strong>the</strong> following Advances:<br />
Exports 5,726,226 6.03 7,768,333 9.51 5,726,226 6.03 7,768,333 9.51<br />
Imports 6,765,564 7.12 7,379,605 9.04 6,765,564 7.12 7,379,605 9.04<br />
Trading 12,998,057 13.69 12,095,134 14.81 12,998,057 13.69 12,095,134 14.81<br />
<strong>Financial</strong> Services 12,841,052 13.52 6,661,041 8.16 12,841,052 13.52 6,661,041 8.16<br />
Housing 11,250,475 11.85 13,397,670 16.40 11,250,475 11.85 13,397,670 16.40<br />
Consumption 15,894,372 16.74 11,924,359 14.60 15,894,372 16.74 11,924,359 14.60<br />
Miscellaneous 29,491,943 31.05 22,433,475 27.48 29,491,943 31.05 22,433,475 27.48<br />
94,967,689 100.00 81,659,617 100.00 94,967,689 100.00 81,659,617 100.00<br />
Total Lending <strong>to</strong> Agriculture Sec<strong>to</strong>r<br />
Total direct and indirect lending <strong>to</strong> agricultural sec<strong>to</strong>r exceeds 10% of <strong>the</strong> portfolio and has been categorised<br />
under different segments.
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