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PERFORMANCE HIGHLIGHTS

PERFORMANCE HIGHLIGHTS . MARCH 2011. NET PROFIT GROWTH Q4 FY11 . NET PROFIT. Growth of 78.7%. Net Profit Rose by a Robust 78.7%. NET PROFIT GROWTH FY11 . NET PROFIT. Growth of 33.2%. The Highest ever Net Profit for any Year. A Landmark Achievement . Major Highlights- Q4 FY11.

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PERFORMANCE HIGHLIGHTS

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  1. PERFORMANCE HIGHLIGHTS MARCH 2011

  2. NET PROFIT GROWTH Q4 FY11 NET PROFIT Growth of 78.7% Net Profit Rose by a Robust 78.7%

  3. NET PROFIT GROWTH FY11 NET PROFIT Growth of 33.2% The Highest ever Net Profit for any Year

  4. A Landmark Achievement

  5. Major Highlights- Q4 FY11

  6. Major Highlights- Q4 FY11

  7. TOTAL BUSINESS (25%) 3 Yr CAGR at 25% (24%) (24%) Over ` 1 lakh Crore Business Added Y.o.Y Growth at 25.4%

  8. TOTAL DEPOSITS 3 Yr CAGR at 25% Y.o.Y Growth at 25.3% Against SCBs’ Growth at 15.8% (Domestic)

  9. NET ADVANCES 3 Yr CAGR at 24% Y.o.Y Growth at 25.5% Against SCBs’ Growth at 21.4% (Domestic)

  10. PROFIT GROWTH Amt. in ` Crore Robust Growth in Net Profit for Q4 and FY11

  11. INCOME Amt. in ` Crore Sustained Increase in Income

  12. MAJOR COMPONENTS OF INCOME Interest Income continues to drive growth in income .. over 65% of earnings from int on advances March 2010 March 2011

  13. BREAK-UP OF OTHER INCOME (` in Crore)

  14. MEASURES TO AUGMENTNON INTEREST INCOME

  15. EXPENDITURE Amt. in ` Crore Higher Expenses on account of additional provision for gratuity and pension

  16. COST-INCOME RATIO (%) Contained Cost-Income Ratio for FY11, despite additional provisions for gratuity and pension

  17. EARNINGS PROFILE Amt. in ` Crore Good Growth in Net Interest Income Improvement in NIM

  18. QUARTER ON QUARTER POSITION IN NIM NIM above 3% since June 2010

  19. EARNINGS PROFILE • The Bank continues to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year

  20. TREND IN COST AND YIELD (%) Decrease in Cost Y.o.Y

  21. VALUE FOR STAKEHOLDERS Dividend ... Progressively Increasing Returns for the Shareholders

  22. SHARE HOLDING PATTERN As on Mar.31, 2011

  23. BUSINESS HIGHLIGHTS: FY11

  24. BUSINESS PROFILE Amt. in ` Crore Robust Business Growth of over ` 1 lakh Crore Overseas Business Constituted 3.8%

  25. CORE DEPOSITS GROWTH Amt. in ` Crore 22% Growth in CASA

  26. CREDIT FOCUS Amt. in ` Crore Well Diversified Credit Portfolio

  27. PIONEERS IN EDUCATION LOAN Number ONE amongst Nationalized Banks In Outstanding Education Loans

  28. ‘CANARA NAYEE DISHA’ … DRIVING 100% FINANCIAL INCLUSION

  29. PRODUCTIVITY RATIOS Jump in Business Per Employee and Business Per Branch

  30. INVESTMENT PORTFOLIO Amt. in ` Crore Figures in the brackets are percentage shares in total

  31. DURATION OF INVESTMENT PORTFOLIO Duration of AFS book and Total Investment book Modified Duration of AFS book and Total Investment book

  32. ASSET QUALITY Provision Coverage Ratio at 72.99% Record Cash Recovery at `2032 crore

  33. Movement of NPA Amt. in ` Crore ImplementedSystem Driven NPA Classification for A/Cs above ` 10 lakh

  34. Sectoral NPA Amt. in ` Crore

  35. Amount Restructured During Q4 FY11 Amt. in ` Crore 101 restructured accounts from Agriculture Slipped during Q4, amounting to ` 1 crore

  36. Total Amount under Restructured Accounts – As on Mar’11 Amt. in ` Crore Total Slippages out of the above - `655 Crore

  37. COMFORTABLE CAPITAL POSITION Adequate Headroom for further Capital Augmentation

  38. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR 6.0% Minimum Tier I CRAR Total CRAR % 15.38%* 13.43* 13.50% 13.25%* 14.10* * Mar’08 onwards - as per Basel II

  39. Beyond Numbers

  40. EXPANDING THE REACH

  41. DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION - ON 19th Nov’ 2010 Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in New Delhi

  42. EXPANDED CLIENTELE BASE (In Lakhs) 3.87 crore strong clientele base

  43. INFOTECH PROGRESS 100% Business under Core Banking Branches

  44. LAUNCH 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

  45. GOALS FOR FY12

  46. THANK YOU

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