Annual Report of Prime Bank 2011

Annual Report 2011

Striving for Excellence

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Contents

Letter of Transmittal Vision Mission Corporate Philosophy Strategic Priority Ethics, Integrity and Trust Green Banking Statement Regarding Forward Looking Approach Corporate Profile Milestones Board of Directors & Profile Governance Composition of Board and Committees Group Chairman’s Review Managing Director & CEO’s Roundup Directors’ Report on Financial Statements and Internal Control Report of the Audit Committee Report of the Shari’ah Supervisory Committee Corporate Governance Sustainability Report Corporate Management Group Corporate Structure Management Discussion and Analysis Risk Management Report on Risk Management by Chief Risk Officer (CRO) Market Discipline Disclosures on Risk Based Capital (Basel-II) 25 26 30 35 36 37 38 52 64 67 68 80 91 93 Financial Reports Directors’ Report Auditors’ Report to the Shareholders Financial Statements - PBL Financial Statements - OBU Financial Statements - PBIL Financial Statements - PBSL Financial Statements - PBL Exchange, (UK) Ltd. Financial Statements - PECL, Singapore Financial Statements - PBL Finance (Hong Kong) Ltd. Some Significant Events of 2011 Notice of the 17th Annual General Meeting Branch Network Glossary 157 186 188 284 296 315 331 342 364 377 381 382 388 03 04 05 06 07 08 09 10 11 12 14 Shareholders’ Information Financial Highlights - Group Key Financial Data & Key Ratios- PBL Financial Highlights - PBL Graphical Presentation - PBL Segment Analysis Distribution of Shareholdings in 2011 Shares held by the Directors in 2011 Economic Impact Report - Capital Adequacy - Value Added Statement - Economic Value Added Statement - Market Value Added Statement - Payment of Dividends Market Price Information Financial Calendar 2011 Glimpses of 16th AGM 111 112 114 115 117 118 118 119 119 120 121 122 122 123 124 125

Other Information Media Highlights Products and Services Prime Bank Foundation (Corporate Social Responsibility) 126 130...