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June 2009

PERFORMANCE HIGHLIGHTS . June 2009. Canara .. at a Glance. Pan India Presence. FINANCIAL HIGHLIGHTS. ROBUST PROFIT GROWTH . BUSINESS PROFILE. Amt. in Rs. Crore. Robust Business Growth Of Over Rs.68000 Cr Domestic Business Constituted 97.7%. TOPLINE GROWTH.

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June 2009

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  1. PERFORMANCE HIGHLIGHTS June 2009

  2. Canara .. at a Glance Pan India Presence

  3. FINANCIAL HIGHLIGHTS

  4. ROBUST PROFIT GROWTH

  5. BUSINESS PROFILE Amt. in Rs. Crore Robust Business Growth Of Over Rs.68000 Cr Domestic Business Constituted 97.7%

  6. TOPLINE GROWTH Total Business Added during the First Quarter: Over Rs.9200 Crore

  7. TOTAL ASSETS Significant Jump in Total Assets

  8. Q1-FY10 : EARNINGS PROFILE Amt. in Rs. Crore

  9. INCOME GROWTH: Q1 FY 10 Amt. in Rs. Crore Robust Growth of Over 28% in Non-Interest Income

  10. 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 Q1 FY 09 (Jun’08) Q1 FY10 (Jun’09)

  11. EXPENDITURE GROWTH: Q1 FY 10 Amt. in Rs. Crore

  12. NET INTEREST INCOME : Q1 FY 10 Amt. in Rs. Crore Improvement In NIM Over Jun’08

  13. PROFIT GROWTH : Q1 FY10 Amt. in Rs. Crore

  14. BREAK-UP OF OTHER INCOME Amt. in Rs. Crore

  15. MEASURES TO AUGMENTNON INTEREST INCOME

  16. BREAK-UP OF PROVISIONS Amt. in Rs. Crore Additional Prov. Of Rs.75 Cr Under Wage Settlement

  17. PROFITABILITY RATIOS (In %) Improvement in 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 92765 A/CsRestructured- Aggregating to Rs.5190 Cr as at June’09 Substandard Assets Formed 75% of Gross NPA and 88% 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) (7252) (6925) (7250) 6.0% Minimum Tier I CRAR (10023) (10577) (8148) (7850) 13.25%* 13.59* Total CRAR % 14.10* 11.22% 13.50% * Mar’08, Mar’09 and June’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 June Quarters (Not Annualized)

  24. SHARE HOLDING PATTERN As on June 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. PRIORITY SECTOR Amt. in Rs. Crore Disbursed Rs. 4059 crore to Agriculture in Q1

  29. PIONEERING EDUCATION LOAN Number ONE amongst Nationalised Banks In Outstanding Education Loans

  30. EXPANDING THE REACH

  31. EXPANDED CLIENTELE BASE Over 35 million strong and growing clientele base

  32. INFOTECH PROGRESS 77% Business under Core Banking Solution Large ATM Network across the Country

  33. PLANS FOR FY10

  34. Initiatives...

  35. INITIATIVES… To Expand Credit

  36. SPREAD MANAGEMENT

  37. COST MANAGEMENT

  38. THANK YOU

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