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September 2009

PERFORMANCE HIGHLIGHTS. September 2009. Canara .. at a Glance. Pan India Presence. FINANCIAL HIGHLIGHTS. ROBUST PROFIT GROWTH - Q2 FY10. PROFIT GROWTH – H1 FY10. BUSINESS PROFILE. Amt. in Rs. Crore. Robust Business Growth Of Rs.60,000 Cr Domestic Business Constituted 97.8%.

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September 2009

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  1. PERFORMANCE HIGHLIGHTS September 2009

  2. Canara .. at a Glance Pan India Presence

  3. FINANCIAL HIGHLIGHTS

  4. ROBUST PROFIT GROWTH - Q2 FY10

  5. PROFIT GROWTH – H1 FY10

  6. BUSINESS PROFILE Amt. in Rs. Crore Robust Business Growth Of Rs.60,000 Cr Domestic Business Constituted 97.8%

  7. TOPLINE GROWTH Total Business Added during the H1 : Over Rs.25600 crore

  8. TOTAL ASSETS Significant Jump in Total Assets

  9. INCOME Amt. in Rs. Crore Impressive Earnings

  10. EXPENDITURE Amt. in Rs. Crore Enterprise-wide ‘Cost Saving and Cost Control’ awareness Cost-Income Ratio below 40% Benchmark

  11. PROFIT GROWTH Amt. in Rs. Crore

  12. EARNINGS PROFILE Amt. in Rs. Crore NIM Protected at 2.66%

  13. MAJOR COMPONENTS OF INCOME • Interest Income continues to drive growth in income …over 2/3rd of earnings from interest on advances/loans • Robust growth under Non-Interest Income H1 FY10 (Sep’09) H1 FY 09 (Sep’08)

  14. BREAK-UP OF OTHER INCOME Rs. in Crore Fee-based Income Grew by 26% over H1-FY09

  15. MEASURES TO AUGMENTNON INTEREST INCOME

  16. BREAK-UP OF PROVISIONS In Rs Crore

  17. PROFITABILITY RATIOS (%)

  18. PRODUCTIVITY RATIOS Highest Per Branch Business among Peers

  19. INVESTMENT PORTFOLIO Amt. in Rs. Crore Figures in the brackets are percentage shares in total

  20. ASSET QUALITY Substandard Assets: 65.5% of Gross NPA and 77.3% of Net NPA Intensive Thrust on Credit Monitoring and Containing Slippages

  21. COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation

  22. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR (7623) (7250) (7251) (6925) (11794) 6.0% Minimum Tier I CRAR (10023) (7850) (8148) 13.25%* 14.46%* Total CRAR % 14.10%* 13.50% * Mar’08, Mar’09 and Sep’09 as per Basel II (Figures in the brackets are amt. in Rs. Crore)

  23. EARNINGS PROFILE Continues to Sustain High Levels of Earnings Book Value (BV) and Earnings Per Share (EPS) show consistent rise EPS for September Quarters (Not Annualized)

  24. SHARE HOLDING PATTERN As on September 30, 2009

  25. BUSINESS FOCUS

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

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

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

  29. EXPANDING THE REACH

  30. EXPANDED CLIENTELE BASE Nearly 36million strong clientele base

  31. INFOTECH PROGRESS 87.5% Business under Core Banking Branches

  32. AWARDS AND ACCOLADES

  33. PLANS FOR FY10

  34. Initiatives...

  35. INITIATIVES… To Expand Credit

  36. SPREAD MANAGEMENT

  37. COST MANAGEMENT

  38. THANK YOU

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