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Members of the Media

Extends a Hearty Welcome to. Members of the Media. Canara .. at a Glance. Pan India Presence. PERFORMANCE HIGHLIGHTS. September 2010. Major Highlights- Q2 (FY11). Major Highlights- Q2 (FY11). TOTAL BUSINESS. CAGR at 21%. Total Business added ` 73600 Crore Y.o.Y Growth at 21%.

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Members of the Media

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  1. Extends a Hearty Welcome to Members of the Media

  2. Canara .. at a Glance Pan India Presence

  3. PERFORMANCE HIGHLIGHTS September 2010

  4. Major Highlights- Q2 (FY11)

  5. Major Highlights- Q2 (FY11)

  6. TOTAL BUSINESS CAGR at 21% Total Business added ` 73600 Crore Y.o.Y Growth at 21%

  7. TOTAL DEPOSITS CAGR at 20.5% Y.o.Y Growth at 22% Over 1.6 million clientele Added

  8. NET ADVANCES CAGR at 21.5% Sustained Growth in Advances 20% Y.o.Y Growth

  9. PROFIT GROWTH- Q2 NET PROFIT CAGR at 38% Stronger Bottomline

  10. PROFIT GROWTH- Q1 & Q2 of FY11 NET PROFIT Over ` 1000 Cr Net Profit in Consecutive Two Quarters First Time in the History of the Bank

  11. PROFIT GROWTH : Q2 FY11 Amt. in ` Crore

  12. RETURNS: Q2 FY11 Return on Assets above 1.50%

  13. PROFIT GROWTH : H1 FY11 Amt. in ` Crore 38% Growth in H1 Net Profit

  14. RETURNS: H1 FY11 Improved Shareholder Value

  15. A Dividend of `300 Cr Paid to Govt. of India

  16. INCOME Amt. in ` Crore Sustained Income Levels

  17. EXPENDITURE Amt. in ` Crore * Increase in Staff Expenses due to salary revision Moderate Growth in Interest Expenses

  18. EARNINGS PROFILE Amt. in ` Crore Robust Growth in Net Int. Income (NII) Over ` 2000 Crore NII in any Single Quarter NIM up by 50 bps

  19. MAJOR COMPONENTS OF INCOME • Interest Income continues to drive growth in income …over 2/3rd of earnings from interest on advances/loans H1 FY11(Sep’10) H1 FY 10 (Sep’09)

  20. BREAK-UP OF OTHER INCOME Rs. in Crore

  21. MEASURES TO AUGMENTNON INTEREST INCOME

  22. BREAK-UP OF PROVISIONS In Rs Crore

  23. SHARE HOLDING PATTERN As on Sept. 30, 2010

  24. BUSINESS PROFILE Amt. in ` Crore Robust Business Growth Of over `73600 Cr Domestic Business Constituted 96%

  25. CORE DEPOSITS GROWTH Amt. in ` Crore Highest Per Branch CASA Deposit among Peers CASA Ratio (Domestic) at 30.10%

  26. CREDIT FOCUS Amt. in ` Crore Well Diversified Credit Portfolio * Lower Growth on account of Reclassification of indirect agriculture advances

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

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

  29. PROFITABILITY RATIOS (%) 78 bps fall in Cost of Deposits

  30. PRODUCTIVITY RATIOS Per Branch Business at a High of `139 Cr Business per Employee over `10Cr

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

  32. ASSET QUALITY Provision Coverage Ratio at 77.06% Both Gross NPA and Net NPA Ratios Improve

  33. COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation

  34. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR 6.0% Minimum Tier I CRAR Total CRAR % 13.25% 14.10% 13.43% 13.88% As per Basel II

  35. EXPANDING THE REACH

  36. EXPANDED CLIENTELE BASE Over 37 million strong clientele base

  37. INFOTECH PROGRESS 100% Business under Core Banking Branches

  38. FUTURE PLANS

  39. THANK YOU

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