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Page 1www.canarabank.com
Page 2www.canarabank.com
NET PROFIT
503
899
0
500
1,000
Q4 FY10 Q4 FY11
`. C
rore
Net Profit Rose by a Robust 78.7%
NET PROFIT GROWTH Q4 FY11 NET PROFIT GROWTH Q4 FY11
Gro
wth
of
78.7
%G
row
th o
f 78.7
%
Page 3www.canarabank.com
NET PROFIT
3021
4026
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
'Mar 2010 'Mar 2011
`. C
rore
The Highest ever Net Profit for any Year
NET PROFIT GROWTH FY11 NET PROFIT GROWTH FY11
Gro
wth
of
33.2
%G
row
th o
f 33.2
%
Page 4www.canarabank.com
A Landmark Achievement A Landmark Achievement
Page 5www.canarabank.com
Major Highlights- Q4 FY11Major Highlights- Q4 FY11
Sustained high growth trajectory
Surpassed landmark `5 lakh crore in total business
Net Interest Income Growth at 23.5%
Net Interest Margin expanded to 3.12%
Return on Assets at 1.27%
Healthy Capital Adequacy Ratio at 15.38%
Tier I Capital Ratio at 10.87%
Page 6www.canarabank.com
Major Highlights- Q4 FY11Major Highlights- Q4 FY11
Successfully raised `1993.2 crore through QIP
Raised of $350 million through MTN for overseas business funding
Gross NPA ratio at 1.45% and Net NPA ratio at 1.11%
Record Cash Recovery of over `2000 crore
Provision Coverage Ratio at 72.99%
Page 7www.canarabank.com
TOTAL BUSINESSTOTAL BUSINESS
Over ` 1 lakh Crore Business Added Y.o.Y Growth at 25.4%
325112
403986
506440
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
500,000
Mar-09 Mar-10 Mar-11
`. C
rore
(24%)
(25%)
(24%)3 Yr CAGR at
25%
Page 8www.canarabank.com
186893
234651
293973
50,000
75,000
100,000
125,000
150,000
175,000
200,000
225,000
250,000
275,000
Mar-09 Mar-10 Mar-11
`. C
rore
TOTAL DEPOSITSTOTAL DEPOSITS
3 Yr CAGR at 25%
Y.o.Y Growth at 25.3%Against SCBs’ Growth at 15.8%
(Domestic)
Page 9www.canarabank.com
138219
169335
212467
25,000
50,000
75,000
100,000
125,000
150,000
175,000
200,000
Mar-09 Mar-10 Mar-11
`. C
rore
NET ADVANCESNET ADVANCES
3 Yr CAGR at 24%
Y.o.Y Growth at 25.5%Against SCBs’ Growth at 21.4%
(Domestic)
Page 10www.canarabank.com
PROFIT GROWTHPROFIT GROWTHAmt. in ` Crore
FY11 FY10 Q4 FY11 Q4 FY10
Operating Profit 6107 5061 1695 1430
Growth 20.7% 27.7% 18.5% 12.4
Provisions 2081 2039 796 927
Provision for NPA 1001 1426 541 596
Prov for Taxation 1000 800 250 200
Net Profit 4026 3021 899 503
Growth 33.2% 45.8% 78.7% -30.0%
Robust Growth in Net Profit for Q4 and FY11
Page 11www.canarabank.com
INCOME INCOME
Sustained Increase in Income
FY11 FY10Growt
h Q4FY1
1Q4FY1
0Growt
h
Total Income 25767 21610 19.2% 7351 5507 33.5%
Int. Income 23064 18752 23.0% 6418 4797 33.8%
Int. Loans/Adv 17052 13946 22.3% 4823 3545 36.0%
Non-Int. Inc 2703 2858 -- 933 710 31.4%
Amt. in ` Crore
Page 12www.canarabank.com
Interest Income continues to drive growth in income .. over 65% of earnings from int on advances
MAJOR COMPONENTS OF MAJOR COMPONENTS OF INCOMEINCOME
March 2010March 2010
Investment Income25.0%
Int on Adv64.5%
Others2.9%Fee Incm
6.5%
Inter Bk Int1.1%
March 2011March 2011
Investment Income23.7%
Int on Adv66.2%
Others3.6%Fee Incm
5.7%
Inter Bk Int0.8%
Page 13www.canarabank.com
BREAK-UP OF OTHER INCOMEBREAK-UP OF OTHER INCOME
Mar’11 Mar’10
FY11 Q4 FY11 FY10 Q4 FY10
Total Other Income 2703 933 2858 710 Commission & Exchange 756 249 724 213
Profit from Exchange Trans 381 116 215 44
Trading Profit 236 -18 872 114
Dividend Income 199 87 104 32
Recovery in w/off A/cs 555 327 406 149
Other Misc. Income 576 172 537 158
of the above ..
Fee Income 1455 447 1400 402
(` in Crore)
Page 14www.canarabank.com
MEASURES TO AUGMENTMEASURES TO AUGMENT NON INTEREST INCOMENON INTEREST INCOME
Increased thrust on Fee Income
Broadbasing of Fee Income sources
Cross-Selling of Insurance Products
Mutual Fund Products
On-line Trading Services
Other Traditional Services- LCs, Guarantees and others.
Page 15www.canarabank.com
EXPENDITURE EXPENDITURE
FY11 FY10Growt
h Q4FY1
1Q4FY1
0Growt
h
Total Exp.1966
0 16549 18.8% 5656 4076 38.8%
Int. Exp. 1524
1 13071 16.6% 4445 3199 38.9%
Op. Expense 4419 3478 27.1% 1211 877 38.0%
Staff Expense 2955 2194 34.7% 783 498 57.1%
Higher Expenses on account of additional provision for gratuity and pension
Amt. in ` Crore
Page 16www.canarabank.com
COST-INCOME RATIO (%) COST-INCOME RATIO (%)
46.8348.54
43.6140.73 41.98
2023262932353841444750535659
FY07 FY08 FY09 FY10 FY11
Contained Cost-Income Ratio for FY11, despite additional provisions for gratuity and
pension
Page 17www.canarabank.com
EARNINGS PROFILEEARNINGS PROFILE
FY11 FY10
Q4
FY11
Q4
FY10
Net Int. Income 7823 5681 1973 1598Y-o-Y Growth (%) 37.7 20.4 23.5 22.4
NIM (%) 3.12 2.80 3.12 2.80
ROAA (%) 1.42 1.30 1.27 0.87
ROE (%) 28.26 26.76 22.78 16.05
EPS (`) 97.83 73.69 20.76 12.27Book Value (`) 405 306 405 306
Amt. in ` Crore
Good Growth in Net Interest IncomeImprovement in NIM
Page 18www.canarabank.com
QUARTER ON QUARTER POSITION IN NIM QUARTER ON QUARTER POSITION IN NIM
2.80
3.013.16 3.21
3.12
2.00
2.30
2.60
2.90
3.20
3.50
'Mar2010
'Jun2010
'Sep2010
'Dec2010
'Mar2011
In P
erc
en
t
NIM above 3% since June 2010
Page 19www.canarabank.com
EARNINGS PROFILEEARNINGS PROFILE
34.6538.17
50.55
73.69
97.83
0
10
20
30
40
50
60
70
80
90
100
EPS (INR)Mar-07 Mar-08 Mar-09 Mar-10 Mar-11
197.83202.33
244.87
305.83
405
100
150
200
250
300
350
BV (Rs)Mar-07 Mar-08 Mar-09 Mar-10 Mar-11
The Bank continues to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year
The Bank continues to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year
Page 20www.canarabank.com
TREND IN COST AND YIELD (%)TREND IN COST AND YIELD (%)
Mar’11
Dec’10 Sep’10 Jun’10 Mar’10
Cost of Deposits 5.80 5.66 5.69 5.69 6.12
Cost of Funds 5.37 5.26 5.30 5.26 5.65
Yield on Advances 9.73 9.67 9.61 9.35 9.81
Yield on Funds 8.13 8.12 8.12 7.91 8.10
Yield on Investments 7.72 7.68 7.61 7.54 7.52
Decrease in Cost Y.o.Y
Page 21www.canarabank.com
VALUE FOR STAKEHOLDERSVALUE FOR STAKEHOLDERS
66% 70%80% 80%
100%110%
0%
20%
40%
60%
80%
100%
120%
DIVIDEND
FY06 FY07 FY08 FY09 FY10 FY11
Dividend ... Progressively Increasing Returns for the
Shareholders
Page 22www.canarabank.com
SHARE HOLDING PATTERN
As on Mar.31, 2011
15.0%
7.8%4.4%
2.3% 2.7%
67.9%
Govt of India FIIs Insurance Companies Resident Individuals Banks Others
Page 23www.canarabank.com
BUSINESS HIGHLIGHTS: FY11
Page 24www.canarabank.com
BUSINESS PROFILEBUSINESS PROFILE
March’11 March’10 Y-o-Y Gr
Global Business 506440 403986 25.4%
Total Deposits 293973 234651 25.3%
Net Advances 212467 169335 25.5%
CD Ratio (%) 72.27 72.16
Robust Business Growth of over ` 1 lakh Crore
Overseas Business Constituted 3.8%
Amt. in ` Crore
Page 25www.canarabank.com
CORE DEPOSITS GROWTHCORE DEPOSITS GROWTH
22% Growth in CASA
March’11
March’10
Y-o-Y Gr
Savings Deposits 58617 49875 17.5%
CASA Deposits 83117 68261 21.8%
Term Deposits 210856 166390 26.7%
CASA Ratio30.30% 29.85% --
CASA Per Branch 25.52 22.41 --
Amt. in ` Crore
Page 26www.canarabank.com
CREDIT FOCUSCREDIT FOCUS
March’11
March’10
Y-o-Y Gr
Priority Sector Credit 70757 59310 19.3%
Agriculture Credit 29656 25052 18.4%
MSME Advances 37684 31074 21.3%
Retail Lending 31572 23902 32.1%
Housing 15219 10116 50.4%
Infrastructure Advances 34702 25388 36.7%
Industrial Advances 118281 87504 35.2%Well Diversified Credit Portfolio
Amt. in ` Crore
Page 27www.canarabank.com
PIONEERS IN EDUCATION LOANPIONEERS IN EDUCATION LOAN
Education Loans grew by 21% y.o.y
Outstanding Education Loans at `3503 crore
The portfolio covers over 1.93 lakh students
On-line Education Loan application in web portal
Number ONE amongst Nationalized BanksIn Outstanding Education Loans
Page 28www.canarabank.com
‘‘CANARA NAYEE DISHA’ CANARA NAYEE DISHA’ … DRIVING 100% FINANCIAL INCLUSION… DRIVING 100% FINANCIAL INCLUSION
Mobilised over 6.02 lakhs No-frill Accounts during this year.
…. Cumulative No-frill Accounts 27.84 lakhs (` 520 Cr)
Issued over 3.02 lakhs General Credit Cards (`463 Cr)
19 Exclusive Micro-Finance Branches to help Urban Poor
Cumulative SHG Tally up at 3.51 Lakhs ..Credit Linked 3.20 Lakhs
Total Exposure under SHG (`1064 cr) spread over 90172 SHGs
10 Financial Literacy and Credit Counselling Centres (FLCCs) in Kerala, Tamil Nadu, Karnataka and Bihar.
‘Canara Financial Advisory Trust’ to manage FLCCs
Page 29www.canarabank.com
PRODUCTIVITY RATIOSPRODUCTIVITY RATIOS
March’11
March’10
Business per Employee (` Crore) 12.28 9.83
Business per Branch (` Crore) 155.49 132.63
Gross Profit per Employee (` Lakh) 14.81 12.28
Net Profit per Employee (` Lakh) 9.76 7.36
Jump in Business Per Employee and Business Per Branch
Page 30www.canarabank.com
Figures in the brackets are percentage shares in total
INVESTMENT PORTFOLIO INVESTMENT PORTFOLIO Amt. in ` Crore
March’11 March’10
Net Investments (Domestic) 83208 69114
Held to Maturity
61127
(73.5%)
54516
(78.9%)
Available for Sale
21830
(26.2%)
14182
(20.5%)
Held for Trading
251
(0.30%)
416
(0.6%)
Mar’11 Mar’10
SLR Portfolio 71485 (85.7%) 63175 (91.2%)
Non SLR Portfolio 11959 (14.3%) 6089 (8.8%)
Page 31www.canarabank.com
DURATION OF INVESTMENT PORTFOLIODURATION OF INVESTMENT PORTFOLIODuration of AFS book and Total Investment bookDetails Mar’11 Mar’10
Duration of AFS Book 2.35 yrs 2.04 yrs
Duration of HTM Book 5.87 yrs 5.87 yrs
Duration of Total Investment Book
4.95 yrs 5.17 yrs
Modified Duration of AFS book and Total Investment book
Details Mar’11 Mar’10
Modified duration of AFS Book
2.23 yrs 1.93 Yrs
Modified duration of HTM Book
5.64 yrs 5.65 Yrs
Modified duration of Total Investment Book
4.75 yrs 4.97 Yrs
Page 32www.canarabank.com
ASSET QUALITYASSET QUALITY
Provision Coverage Ratio at 72.99%
Record Cash Recovery at `2032 crore
March’11 March’10
Gross NPA (` Crore) 3089 2590
Gross NPA Ratio (%) 1.45 1.52
Net NPA (` Crore) 2347 1800
Net NPA Ratio (%) 1.11 1.06
Page 33www.canarabank.com
Movement of NPA Movement of NPA Amt. in ` Crore
Mar’11 Mar’10
Opening Balance 2590 2168
Fresh Slippages (+) 3508 3266
Upgradation (-) 889 866
Cash Recovery (-) 1705 1094
Write-off (-) 495 884
Closing Balance 3089 2590
Implemented System Driven NPA Classification for A/Cs above ` 10
lakh
Page 34www.canarabank.com
Sectoral NPA Sectoral NPA
Amt. in ` Crore
Mar ’11 Mar’ 10
Micro & Small Enterprises 555 394
Agriculture 663 462
Other Priority Segments 474 567
Medium Enterprises 135 102
Large Industries 300 299
Non-Priority Segments 962 766
Total 3089 2590
Page 35www.canarabank.com
Amount Restructured During Q4 FY11Amount Restructured During Q4 FY11
Amt. in ` Crore
No. of Accounts Amount
Agriculture 42 9.0
MSME 17 7.4
Housing 7 0.2
Large Advances 4 16.3
Others 172 124.6
Total 242 157.5101 restructured accounts from Agriculture Slipped during Q4,
amounting to ` 1 crore
Page 36www.canarabank.com
Total Amount under Restructured Accounts – As Total Amount under Restructured Accounts – As on Mar’11on Mar’11Amt. in ` Crore
No. of Accounts Amount
Agriculture 40965 600
MSME 4546 705
Housing 11086 528
Large Advances 2720 4917
Others 35107 1328
Total 94424 8078Total Slippages out of the above - `655 Crore
Page 37www.canarabank.com
COMFORTABLE CAPITAL POSITION COMFORTABLE CAPITAL POSITION
Adequate Headroom for further Capital Augmentation
CRAR of 15.38% at Mar’11
…Tier I ratio at 10.87%
…Tier II ratio at 4.51%
Raised `750 Cr under IPDI and `1000 Cr under Upper Tier II Bonds.
Raised `1993.20 crore through the QIP issue.
Govt. holding reduced from 73.17% to 67.72% post QIP
Paid-up Capital rose to `443 crore
Page 38www.canarabank.com
10.87%
8.54%8.01%7.01%7.17%
4.51%4.89%6.09%6.24%6.33%
0%
2%
4%
6%
8%
10%
12%
14%
16%
Mar.07 Mar.08 Mar.09 Mar.10 Mar.11
Tier I capital Tier 2 capital
9.0% Minimum Total CRAR
6.0% Minimum Tier I CRAR
15.38%*Total CRAR
%
CAPITAL ADEQUACY – Basel IICAPITAL ADEQUACY – Basel II
13.50% 13.25%* 14.10*
* Mar’08 onwards - as per Basel II
13.43*
Page 39www.canarabank.com
Beyond Numbers
Page 40www.canarabank.com
EXPANDING THE REACHEXPANDING THE REACH
Strategic Initiatives
Focus on Expanding Domestic Branch Network.
Addition of 211 branches and 199 ATMs during FY11.
Significant rise in number of Savings Bank accounts.
Over 16 lakhs new SB accounts added ‘Savings Mahotsav’ campaign
March’11 March’10 Y-o-Y Incr
Branch Network 3257 3046 211
ATM Strength 2216 2017 199
Card Base (In Lakh) 59.69 49.96 9.73
Page 41www.canarabank.com
DEDICATING 100 BRANCHES AND 100 DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION - ON 19ATMS TO THE NATION - ON 19thth Nov’ Nov’
20102010
Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in
New Delhi
Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in
New Delhi
Page 42www.canarabank.com
EXPANDED CLIENTELE BASEEXPANDED CLIENTELE BASE
March’11
March’10
Y-o-Y Incr
Clientele Base 387 373 14
- No of Deposit A/Cs 342 329 13
- No of Borrowal A/Cs 45 45 -
3.87 crore strong clientele base3.87 crore strong clientele base
(In Lakhs)
Page 43www.canarabank.com
INFOTECH PROGRESSINFOTECH PROGRESS
March’11
Core Banking Branches All Branches
Internet Banking Branches All Branches
NEFT and RTGS All Branches
100% Business under Core Banking Branches100% Business under Core Banking Branches
Page 44www.canarabank.com
LAUNCH OF NEW TECH-PRODUCTSLAUNCH OF NEW TECH-PRODUCTS
Basket of Technology Products for Customer Convenience
ASBA, Gift Cards, Canara Debit Card- Platinum, Canara Campus Cards, Withdrawal at PoS, Bills Desk for Utility Bills Payment
Basket of Technology Products for Customer Convenience
ASBA, Gift Cards, Canara Debit Card- Platinum, Canara Campus Cards, Withdrawal at PoS, Bills Desk for Utility Bills Payment
Page 45www.canarabank.com
GOALS FOR FY12GOALS FOR FY12
Aiming at a Total Business of ` 6.25 lakh crore by Mar’12 … ` 3.55 lakh crore under Deposits … ` 2.70 lakh crore under Advances
Over 250 new branches to be opened during FY12
To Take ATM strength to 4000 by March 2012, by adding 1784 ATMs during the year.
Thrust on growing Retail Business- Retail Deposits and Retail Advances
Plans to Open Branches at Manama, QFC-Qatar, South Africa, Germany, the USA, Brazil, Tanzania and Representative Office in Tokyo, Japan
Survey to open Branches in Sri Lanka, Nigeria and Kenya completed
Page 46www.canarabank.com
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