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PERFORMANCE HIGHLIGHTS March 2009

PERFORMANCE HIGHLIGHTS March 2009. Canara .. at a Glance. FINANCIAL HIGHLIGHTS. ROBUST PROFIT GROWTH Q4 FY09. ROBUST PROFIT GROWTH FY09. PROFIT GROWTH LAST FIVE YEARS. BUSINESS PROFILE. Amt. in Rs. Crore. Total Business Crossed Rs. 3.25 lakh crore Growth over 24%. TOPLINE GROWTH.

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PERFORMANCE HIGHLIGHTS March 2009

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  1. PERFORMANCE HIGHLIGHTS March 2009

  2. Canara .. at a Glance

  3. FINANCIAL HIGHLIGHTS

  4. ROBUST PROFIT GROWTH Q4 FY09

  5. ROBUST PROFIT GROWTH FY09

  6. PROFIT GROWTH LAST FIVE YEARS

  7. BUSINESS PROFILE Amt. in Rs. Crore Total Business Crossed Rs. 3.25 lakh crore Growth over 24%

  8. TOPLINE GROWTH Total Business added during the year : Rs.63800 Crore

  9. TOTAL ASSETS Total Asset size has crossed the Rs.200,000 crore mark

  10. INCOME Amt. in Rs. Crore *If the one time income of Rs.498 Cr for FY08 and Rs.278 Cr for Q4 of FY08 are reckoned, the growth works out to 35% for FY09 and 94% for Q4 of FY09

  11. EXPENDITURE Amt. in Rs. Crore *Includes Rs.150 Cr provided for likely wage revision Enterprise-wide ‘Cost Saving and Cost Control’ awareness

  12. PROFIT GROWTH Amt. in Rs. Crore

  13. EARNINGS PROFILE Amt. in Rs. Crore NIM Improved by 36 bps Over Mar’08

  14. MAJOR COMPONENTS OF INCOME • Interest Income continues to drive growth in income .. over 60% of earnings from int on advances • Contribution from fee-based business on a rise .. Fee Income up by 18% over March 2008 March 2008 March 2009

  15. EARNING ANALYSIS : FY 09 * Int on Inv. + Trading Profit + Profit on Revaluation + Dividend Incm

  16. BREAK-UP OF OTHER INCOME Rs. in Crore Fee-based income grew by 18% over Mar’08

  17. MEASURES TO AUGMENTNON INTEREST INCOME

  18. BREAK-UP OF PROVISIONS In Rs Crore

  19. PROFITABILITY RATIOS (In %) Consistent Improvement in Spread and NIM

  20. PRODUCTIVITY RATIOS Highest Per Branch Business amongst Peers

  21. INVESTMENT PORTFOLIO Amt. in Rs. Crore Figures in the brackets are percentage share in Net Investments (Domestic)

  22. ASSET QUALITY Restructured a total of 72184 A/Cs, aggregating to Rs.2066 Cr in FY09 under the Special Regulatory Treatment Intensive thrust on credit monitoring and containing slippages

  23. BASEL II AND CAPITAL STRATEGY Comfortable Capital Adequacy Ratio

  24. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR (2940) (7623) (3372) (6925) (7250) 6.0% Minimum Tier I CRAR (10023) (4483) (6738) (7850) (8148) 13.25%* 14.10* Total CRAR % 12.78% 11.22% 13.50% * Mar’08 and Mar’09 as per Basel II (Figures in the brackets are amt. in Rs. Crore)

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

  26. VALUE FOR STAKEHOLDERS Dividend ... Progressive Return for the Shareholders

  27. SHARE HOLDING PATTERN As on Mar 31, 2009

  28. BUSINESS FOCUS

  29. CORE DEPOSITS GROWTH Amt. in Rs. Crore Highest Per Branch CASA Deposit among Peers

  30. CREDIT FOCUS Amt. in Rs. Crore Well Diversified Credit Portfolio Focus on Productive Sectors

  31. PRIORITY SECTOR (Amt. in Rs. Crore) Surpassed 18% Adjusted Net Bank Credit (ANBC) Norm in Agriculture

  32. Beyond Numbers

  33. EXPANDING THE REACH

  34. EXPANDED CLIENTELE BASE Nearly 35 million strong clientele base 2.5 million clientele added during the year

  35. INFOTECH PROGRESS 77% Business under Core Banking Solution Largest ATM Network amongst Nationalized Banks

  36. AWARDS/ACCOLADES

  37. PLANS FOR FY10

  38. Initiatives... To Expand Credit in FY10

  39. INITIATIVES… To Expand Credit

  40. INITIATIVES… To Expand Credit

  41. SPREAD MANAGEMENT

  42. COST MANAGEMENT

  43. THANK YOU

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