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COMMERCIAL BANK OF CEYLON PLC

ANNUAL REPORT 2023
 

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SUPPLEMENTARY INFORMATION

Annex 13:
Index of figures, tables and graphs

Figures
Figure
No.		 Description Page No. of the printed Annual Report
1 Qualitative Criteria used in the production of the Annual Report 7
2 Guiding, Principles, Regulations, Codes and Acts for financial and narrative reporting 8
3 Organisational overview 12
4 Our Key Stakeholders 38
5 Our Stakeholder Engagement Process 39
6 Materiality determination and integration engagement 42
7 Matter relevant to the key stakeholder groups 43
8 Materiality Matrix 44
9 World Economic outlook projections (% change) 48
10 The Bank’s Sustainability Framework 54
11 Multi capitals of the Bank 56
12 Business Model 58
13 Duality of value creation and multi-capital model 62
14 Sustainable Banking 66
15 Our commitment to prudent growth 67
16 Value that support the Bank’s brand 73
17 The Pillars of Sustainable Finance 74
18 Commercial Bank’s Green Financing Journey 76
19 Composition of the Green Finance Portfolio as at December 31, 2023 76
20 Financial Inclusion and Skill Development Programs 81
21 Network of delivery points in Sri Lanka 88
22 Network of delivery points in Bangladesh 89
23 Responsible Organisation 97
24 Commercial Bank’s Sustainability Journey 98
25 Climate Position Statement of Commercial Bank of Ceylon PLC 99
26 Promoting a culture of sustainability 105
27 Environmental stewardship and corporate responsibility 105
28 Minimising/Offsetting our Environmental Footprint 106
29 The role of the “Future Force” members 107
30 “Best Sustainable Branch & Department of the Year” Award 108
31 Aligning the Bank’s sustainability pillars with those of CBSL and UN SDGs 109
32 The Bank’s business partners 110
33 Community Engagement 112
34 Governance Framework in place at the Bank for community engagement 113
35 Total fund allocation and utilisation of the CSR Trust during 2011-2023 114
36 Snapshot of CSR and Sustainability Initiatives 115
37 Contribution during the year 2023 118
38 Modes of engagement with Investors 144
39 Key regulatory requirements, voluntary codes, and elements of CG Framework 179
40 Governance Structure 181
41 Composition of the Board and Attendance 183
42 Composition of the Board (as at December 31, 2023) 183
43 Executive Management Committees 185
44 Board highlights – 2023 187
45 Three lines of defence 237
46 Risk Governance structure 238
47 Risk Management Framework 240
48 Summary of key risks 241
49 Group structure 279
50 Types of risk 284
51 Bank’s risk management framework 285

Tables
Table No. Description Page No. of the printed Annual Report
1 Financial Highlights 16
2 Non-financial Highlights 17
3 Mode and Frequency of Stakeholder Engagement 40
4 Material Topics, Risks, Opportunities, How we manage and GRI Disclosures 45
5 World Economic Outlook Projections (% change) 48
6 The Bank’s performance compared to the Banking Sector 52
7 Statement of Capital Position 60
8 Growth in deposit base and lending portfolio over the past decade 68
9 Customer Segmentation 78
10 Channel Mix and target market on perceived customer preference 78
11 Investments in IT Infrastructure 91
12 Migration to digital channels 91
13 Total financial transactions initiated through digital channels 91
14 Productivity and efficiency ratio 95
15 Power generated through renewable sources 100
16 Utility power consumption and GHG emissions 100
17 Employees by category and gender – Bank 102
18 Employees by type and gender 103
19 Female employees as of December 31, 2023 103
20 Training statistics 104
21 Retention rate (Maternity leave) 105
22 Core Financial Soundness Indicators (FSIs) 125
23 Key Performance Indicators – Bangladesh Operations (Based on Management Accounts) 129
24 Key Financial Ratios – Bangladesh Operations (Based on Management Accounts) 129
25 Compliance with requirement of the section 7.6 of the listing rules of the CSE 145
26 Summary of listed securities of the Bank 148
27 Features of the ordinary shares 148
28 Movement of COMB voting share price over the year 149
29 Share price movement of last five years 149
30 Sustainable value for investors 149
31 Information on shareholders’ funds and Bank’s market capitalisation 150
32 Number of share transactions 150
33 Number of shares traded 150
34 Dividend Information 151
35 Number of ordinary shareholders 152
36 Twenty largest shareholders – Voting 152
37 Twenty largest shareholders – Non-voting 153
38 Public shareholding 153
39 Directors shareholding including the CEO’s shareholdings 154
40 Distribution schedule of number of holders and percentages 154
41 Composition of shareholders based on residency and category 155
42 Information on movement in Number of shares represent by the Stated Capital 156
43 Key shareholder return indicators 159
44 Attendance at AGM’s – 2019 to 2023 191
45 Statement of Compliance 216
46 Directors’ interest in contracts with the Bank 230
47 Risk Profile 235
48 Maximum credit risk exposure 243
49 Distribution of Stage 3 credit impaired loans and advances to other customers as of December 31, 2023 245
50 Market risk categories 247
51 Sensitivity of NII to rate shocks 248
52 Interest rate sensitivity gap analysis of assets and liabilities of the Banking Book as of December 31, 2023 – Bank 248
53 Statutory liquidity ratios 249
54 Key ratios used for measuring liquidity under the stock approach 249
55 Target and actual capital 257
56 Impact on CAR at minor, moderate and severe stress levels 258
57 Principal business activities and nature of business operations of the Group 280
58 Basis of measurement 281
59 Index of Material Accounting Policy Information 289

Graphs
Graph No. Description Page No. of the printed Annual Report
1 GDP Growth 49
2 Quarterly GDP Growth – Sri Lanka 50
3 Inflation 50
4 Interest Rates 50
5 Funding structure as at December 31, 2023 70
6 Deposit mix by product 70
7 Deposit mix by currency 70
8 Maturity analysis – Financial liabilities 70
9 Utilisation of funds as at December 31, 2023 70
10 Assets by business segment 70
11 Loans and advances mix by currency 71
12 Loans and advances mix by product 71
13 Loans and advances by customer type (Sri Lankan operations) 71
14 Maturity analysis – Financial assets 71
15 Composition of Loans granted by Commercial Banks to the SME sector 80
16 Digital transformation 84
17 ComBank digital customer base 92
18 Service analysis of employees 103
19 Age analysis of employees as of December 31, 2023 103
20 Profit growth 120
21 Total operating income 121
22 Impairment charges 122
23 Profit before and after tax 122
24 ROE and ROA 122
25 Composition of total assets 123
26 Loans & advances and deposits 124
27 Shareholders funds 124
28 Total Operating Income – Personal banking 126
29 Assets vs PBT vs Impairment charges – Personal banking 126
30 Total Operating Income – Corporate banking 126
31 Assets vs PBT vs Impairment charges – Corporate banking 126
32 Total Operating Income – International Operations 126
33 Assets vs PBT vs Impairment charges – International Operations 126
34 Total Operating Income – Dealing/Treasury 127
35 Assets vs PBT vs Impairment charges – Dealing/Treasury 127
36 Total Operating Income – NBFI, Real Estate & Services 127
37 Assets vs PBT vs Impairment charges – NBFI, Real Estate & Services 127
38 Performance of the Colombo Stock Exchange and the Banking Sector in 2023 144
39 Performance of the Ordinary shares – Voting 2023 149
40 Share price movement – Ordinary Shares – Voting 149
41 Share price movement – Ordinary Shares – Non-Voting 149
42 Number of share transactions 150
43 Number of shares traded 150
44 Shareholders’ funds and Bank’s market capitalisation 150
45 Dividend per share 151
46 Dividend Paid and Dividend Payout Ratio 151
47 Attendance at AGMs 191
48 Tenure wise loans and advances to other customers as at December 31, 2023 244
49 Product wise analysis of loans and advances to other customers as at December 31, 2023 245
50 Product wise geographical analysis of loans and advances to other customers as at December 31, 2023 245
51 The concentration of counterparty bank exposures in Sri Lanka as at December 31, 2023 (Fitch ratings-wise) 246
52 The concentration of counterparty bank exposures in Bangladesh as at December 31, 2023 (CRAB ratings-wise) 246
53 Cross border exposure of the Bank (Sri Lankan& Bangladesh operations) 246
54 The concentration of cross-border exposure (Sri Lanka and angladesh operations) – S&P rating wise as at December 31, 2023 246
55 Funding diversification by product 250
56 Composition of losses - 2023 251
57 Losses by no of events 252
58 Losses by values 252
59 Social and Environmental Risk Category wise Distribution of Lending Proposals as at December 31, 2023 254
60 Gross income 265
61 Net interest income 265
62 Net fees and commission income 265
63 Total operating income 265
64 Impairment charges and other losses 265
65 Profit before tax 265
66 Profit after tax 265
67 Earnings per share – basic 265
68 Interest margin 265
69 Financial intermediation margin 265
70 Cost to income Ratio including taxes on financial services 265
71 Cost to income Ratio excluding taxes on financial services 265
72 Total assets 265
73 Net financial assets at amortised cost – loans and advances to other customers 265
74 Financial liabilities at amortised cost – due to depositors 265
75 CASA Ratio 265
76 Liquidity ratios 409
77 Impact of a rare shock on the net interest income 417
78 Sensitivity FX position-impact of 1% change in exchange rate (SL Operation) 418