Commercial Bank of Ceylon PLC

Annual Report 2018

Annex 3: Risk Management Report

Basel III – Disclosures under Pillar 3 as per the Banking Act Direction Number 01 of 2016

GROUP Bank
As at December 31, 2018 2017 2018 2017
Rs. 000 Rs. ’000 Rs. ’000 Rs. ’000
Regulatory capital
Common equity 109,879,697 95,725,306 107,110,518 94,151,253
Tier 1 capital 109,879,697 95,725,306 107,110,518 94,151,253
Total capital 150,167,520 123,989,935 147,398,341 122,415,882
Regulatory capital ratios (%)
Common equity Tier 1 capital ratio (minimum requirement – 7.375%)
(with effect from January 1, 2018) (%)
11.431 12.122 11.338 12.111
Tier 1 capital ratio (minimum requirement – 8.785%) (with effect from January 1, 2018) (%) 11.431 12.122 11.338 12.111
Total capital ratio (minimum requirement – 12.875%) (with effect from January 1, 2018) (%) 15.623 15.701 15.603 15.746
Regulatory liquidity
Statutory liquid assets (Rs. ’000) 257,020,724 243,945,792
Statutory liquid assets ratio (minimum requirement – 20% )
Domestic Banking Unit (%) 24.47 27.28
Offshore Banking Unit (%) 30.20 30.95
Liquidity coverage ratio (%) – Rupee
(Minimum requirement – 90%) (with effect from January 1, 2018 )
236.20 272.15
Liquidity coverage ratio (%) – All currency
(Minimum requirement – 90%) (with effect from January 1, 2018 )
238.69 209.17
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