Rationale of the Cover

Prime Bank has journeyed

far and long on the eventful
paths in the last two
decades.
It has achieved much and
has a firm resolution to
achieve more in the future.
Therefore, it stands TALL
& STRONG, ensures
consistency in performance
and portrays firm current
position along with
readiness to march forward
with strong COMMITMENT
& DETERMINATION.

A n n uA l R e p o R t 2 0 14

Table of
contents

0
1

a
n
d
a
r
d

D
i
s
c
l
o
s
u
r
e

Abou
t
Prim I
n
e
d
Bank e

x
Letter of C
Transmitt o
al
r
N
p
o
o
t
r
i
a
c
t
e
e
o
f
t
h
e
2
0
t
h

A
n
n
u
a
l
G
e
n
e
r
a
l
M
e
e
t
i
n
g
S
t

G
o
v
e
r
n
a
n
c
e
D
i
s
c
l
o
s
u
r
e
C
h
e
c
k
l
i
s
t
V
i
s

ion
Mission
C
o
r
p
o
r
a
t
e
P
h
i
l
o
s
o
p
h
y
S
t
r
a
t
e
g
i
c
P
r
i
o
r
i
t
y
E
t
h
i
c
s
,
I
n
t
e
g
r
i
t
y
a
n
d
T
r
u

s
t
G
r
e
e
n
B
a
n
k
i
n
g
St
at
e
m
e
nt
R
e
g
ar
di
n
g
F
or
w
ar
d
L
o
o
ki
n
g
A
p
pr
o
a
c
h
C
or
p
or
at
e
P
ro
fil
e
Mileston
es
Board of
Director
s Profile

0
2
Corp
orate
Gove
rnan

ce
C
o
m
p
o
s
i
t
i
o
n
o
f
B
o
a
r
d
a
n
d
C
o
m
m
i
t
t
e
e
s
F
r
o
m
t
h
e
o
f
f
i
c
e
o
f
t
h
e
C
h
a
i
r
m
a
n
M
a
n
a
g
i
n
g
D

i
r
e
c
t
o
r
&
C
E
O

s
R
o
u
n
d
u
p
D
i
r
e
c
t
o
r

s
R
e
p
o
r
t
Report on
the Activities
of the Audit
Committee
Report of
Prime Bank
Shariah
Supervisory
Committee
CEO/CFOs
Declaration
to the Board
C
o
r
p
o
r
a
t
e
G
o
v
e
r
n
a
n
c
e
R
e
p
o
r
t

G
r
e
e
n
B
a
n
k
i
n
g
R
e
p
o
r
t
C
o
r
p
o
r
a
t
e
M
a
n
a
g
e
m
e
n
t
C
o
r
p
o
r
a
t
e

S
t
r
u
c
t
u
r
e
Managemen
t Discussion
& Analysis
Rep
ort
on
Risk
Man
age
ment
by
Chief
Risk
Offic
er
Risk
Man
age
ment
Rep
ort
Market
Discipline
Disclosure
on Risk
Based
Capital
(Basel-II)

0
3
Other
Inform
ation

O
r
g
a
n
o
g
r
a
m

A
w
a
r
d
s

G
r
o
u
p

R
e
c
o
g
n
i
t
i
o
n

C
o
r
p
o
r
a
t
e

a
n
d

M
e
d
i

a
H
i
g
h
l
i
g
h
t
s
P
r
o
d
u
c
t
s
a
n
d
S
e
r
v
i
c
e
s
Sustainability
Report 2014 GRI G4
Prime Bank
Foundation
(Corporate
Social
Responsibility)

0
4
S
t
a
k
e
h
o
l
d
e
r
s

I
n
f
o
r
m
a
t
i
o
n

03
04
05
08
10
11
12
13
14
14
15
16
18
20

29
3034

38
47

49
50
52
80
86
99
100
101
138
140
154

175
180
182
187
223

Stakeholders Information
(a) Distribution of Shareholdings in 2014
(b) Shares held by Directors in 2014
(c) Redressal of Investors Complaint
Financial Highlights-Group & PBL
Financial Highlights - PBL
Graphical Presentation - PBL
Stock Performance - Market Price Information
Segment Analysis
Horizontal/Vertical Analysis-Key Financial Data
& Key Ratios - PBL
Statement of Value Added and its Distribution
Economic Value Added Statement
Economic Impact Report
Maintaining Capital Adequacy
Maintaining Liquidity
Payment of Dividends
Disclosure for Non Performing Assets
Financial Calendar 2014

258
258
258
259
260
261
262
264
265

Glimpses of 19th AGM

275

266
268
269
269
270
271
272
273
274

05

Financial Statements
Independent Auditors Report to the Shareholders

278

Consolidated Balance Sheet

Consolidated Profit and Loss Account
Consolidated Cash Flow Statement
Consolidated Statement of Changes in Equity
Balance Sheet of PBL
Profit and Loss Account
Cash Flow Statement
Statement of Changed in Equity
Notes to the Financial Statements
Financial Statements - OBU
Financial Statements - PBIL
Financial Statements - PBSL
Financial Statements - PECL, Singapore
Financial Statements - PBL Exchange (UK) Ltd.
Financial Statements - PBL Finance (Hong Kong) Ltd.
Some PBL Activities during 2014
Gallery of Some Significant Events in 2014
Branch Network

280
282
284
286
287
289
291
293
294
391
401
407
413
419
425
430
432
433

Glossary

439

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