Distributed ledger technology offers several advantages for banking and finance industry, including efficient transaction processing and cross-party transaction reconciliation. The key challenges for adoption of this technology in financial institutes are (a) the building of a privacy-preserving ledger, (b) supporting auditing and regulatory requirements, and (c) flexibility to adapt to complex use-cases with multiple digital assets and actors. This paper proposes a framework for a private, audit-able, and distributed ledger (PADL) that adapts easily to fundamental use-cases within financial institutes. PADL employs widely-used cryptography schemes combined with zero-knowledge proofs to propose a transaction scheme for a `table' like ledger. It enables fast confidential peer-to-peer multi-asset transactions, and transaction graph anonymity, in a no-trust setup, but with customized privacy. We prove that integrity and anonymity of PADL is secured against a strong threat model. Furthermore, we showcase three fundamental real-life use-cases, namely, an assets exchange ledger, a settlement ledger, and a bond market ledger. Based on these use-cases we show that PADL supports smooth-lined inter-assets auditing while preserving privacy of the participants. For example, we show how a bank can be audited for its liquidity or credit risk without violation of privacy of itself or any other party, or how can PADL ensures honest coupon rate payment in bond market without sharing investors values. Finally, our evaluation shows PADL's advantage in performance against previous relevant schemes.