NAME ROLL NO

FAUZIA SHAIKH 17
RUBINA KHAN 11
KARL FERNANDES 05
JAYESH DIWALKAR 23
HISTORY OF BANKING IN INDIA

 Without a sound and effective system in India

it cannot have a healthy economy.

 And they are as follows:

3 DISTINCT PHASES OF BANKING
SYSTEM

 Early phase (1786-1969) of Indian banks.

 Nationalizations of Indian banks and upto 1991

prior to Indian Banking Sector reforms.

 New phase of Indian banking system with the

advent of Indian financial and banking sector
reforms after 1991.
INTRODUCTION
 It is an exclusive division of Canara Bank, consisting of
professionally qualified personnel for appraising agro-based
projects and to provide consultancy.

 ACS is the first ever Consultancy Cell for Agriculture & Allied
Activities in the entire banking sector in India. Established in
1988, Agricultural Consultancy Services today, is one of the
premier consultancy outfits in the country.

 The Division, in the last 20 years, has handled more than 800
projects in the sectors like Floriculture, Mushroom, Dairy,
Poultry, Plantation Projects, Food Processing, Bio-technology,
Cold Storage, Fisheries, etc. which included public issue
appraisals also. The appraisal reports of this innovative arm of
the Bank are accepted by all Banks and Financial Institutions.
 Climate change
“SERVING TO GROW, GROWING TO
SERVE”
It is about History of Canara Bank like
1. When Canara Bank emerged? And how?
2. The person who established Canara bank?
3. Which key & Attributes Launched by Canara bank?
4. Product & Services Launched by the Canara bank?
5. And where is the Head Office of Canara bank located?
(The last and Common question)
Late Shri Ammembal Subba Rao Pai
Canara Bank
Head Office
112, J C Road
BANGALORE - 560
002 
 index
 Awards & achievement
 Loans
 Credit card
 Marketing strategies
 Few new products for rebuilding
 Challenges of canara bank
 Awards & achievements
 First rank in India's best bank under the category
“Strength and Soundness” 2006-2007
 Best performing bank under RURAL EMPLOYMENT
GENERATION PROGRAMME (REGP), 2007-2008
 Golden Peacock National Training Award 2008
 Global HR excellence in Training 2008
 Best Corporate Social Responsibility Practice Award
 2 Silver Corporate collateral Award for best corporate
AD in the Print Media and Best Corporate film on
Corporate social Responsibility - 2009
 LOANS
 Personal loan
 Home loan
 Consumer loan
 Vehicle loan
 Educational loan
 Agricultural loan
 CREDIT CARD

 CANCARD VISA CLASSIC

 CANCARD VISA CORPORATE
 CANCARD MASTER CARD
 CANCARD VISA INTERNATIONAL
GOLD
 Marketing strategy of Canara bank
 Canara bank serving it customers since July 1906
 Strong marketing position
 The 101 year canara bank embrace modernity.
 Bank had undertaken “Brand Building” exercise to
improve the visibility and ensure adherence to
Global Benchmarks.
 Every circle is provided with marketing personnel
to execute strategies and realize business goals.
 Marketing Strategies

 Initiative have been taken in the creation of the host

of customer centric technologies.
 The Banks customer relationship management in
select branches (CRM).
 A dedicated call centre has also been implemented for
better customer service.
 The bank has introduced several customized and
technology driven products to cater to different client
segments.
 FEW NEW PRODUCTS FOR
REBUILDING
1. Can Champ
2. Canara Centenary Deposit
3. S-B Gold Deposit Scheme
4. Can Premium Current Account
5. Canara Guide
 KEY PEOPLE
OF
CANARA BANK
Challenges
 The pressure bank facing in competing with
players one rung above them like
 State Bank Of India
 Punjab National Bank
 Bank of Baroda
 Union Bank of India
 Bank Of India
In a recent survey of India consumers conducted by
Reputation Institute (USA), Canara Bank earned a
Global Reputation Pulse rating of 73.34 placing it 8th
on a list of the largest companies in India.
Canara Bank's Reputation score is above the average
rating of all Companies rated by consumers in 32
countries, and places Canara Bank in an elite group
made up of the 200 best Regarded companies in the
world.
Canara Bank's global rank is 103. Among the only 4
Indian banks (all PSBs) in the first 200, Canara Bank
ranked second below SBI (29th rank) and above BOB
(175th rank) and PNB (178th Rank).....
 BALANCE SHEET
March ‘09 March ’08 March ’07 March ’06 March ‘05

Sources of
funds
Owner’s fund

Equity share 410.00 410.00 410.00 410.00 410.00

capital
Share Application _ _ _ _ _
money

Preference Share _ _ _ _ _
Capital
Reserves & 9,629.61 7,885.63 7,701.11 6,608.86 5,582.04
Surplus

LOAN FUNDS

Secured loans _ _ _ _ _

Unsecured loans 1,86,892.51 1,54,072.42 1,42,381.45 1,16,803.23 96,908.42

Total 1,96,932.1 1,62,368.06 1,50,492.57 1,23,822.09 1,02,900.46
USES OF FUNDS

Fixed assets

Gross block 4,440.07 4,254.33 4,056.39 1,718.60 1,577.53

Less: revaluation 2,168.16 2,204.86 2,242.87 113.38 116.92

reserves
Less: accumulated 1,510.61 1,337.46 1,195.04 1,030.13 904.72
depreciation
Net block 761.30 712.01 618.48 575.09 555.90

Capital work- in- _ _ _ _ _

progress
Investments 57,776.90 49,811.57 42,225.54 36,974.18 38,053.88

Net current
assets
Current assets, 4,060.26 2,684.17 2,994.53 2,909.95 2,488.34
loans & advances
Less: current 13,488.91 13,438.55 11,651.25 8,860.57 7,173.63
liabilities & provision
Total net current
assets -9,428.66 -10,754.38 -8,656.72 -5,950.62 -4,685.29

Miscellaneous _ _ _ _ _
expenses not written

Total 49,109.55 39,769.21 37,187.30 31,598.66 33,924.48

Notes:
Book value of
unquoted

Market value quoted

investments

Contingents liabilities 1,62,327.15 1,21,010.49 67,811.16 59,323.29 61,564.98

Number of equity 4100.00 4100.00 4100.00 4100.00 4100.00

share outstanding
(Lacs)
 Profit & loss account
Mar ‘09 Mar ’08 Mar ’07 Mar ’06 Mar ‘05

Income

Operating income 18,120.85 15,524.19 11,571.85 9,099.08 8,299.02

EXPENSES

Material consumed
- - - - -
Material expenses
- - - - -
Personal expenses 1,877.15 1,661.28 1,609.29 1,515.30 1,380.15

Selling expenses 23.83 45.65 39.28 21.61 14.31

Administrative 1,890.63 1,789.39 1,226.51 1,300.38 1,388.46

expenses
Expenses capitalized
- - - - -
Cost of sales 3,791.61 3,496.32 2,875.08 2,837.29 2,782.92
Operating profit 1,928.00 1,364.92 1,359.04 1,131.79 1,094.61
Other recurring income 901.24 750.34 668.65 619.13 357.97
Adjusted PBIT 2,829.24 2,115.26 2,027.69 1,750.91 1,452.57
Finance expenses 12,401.25 10,662.94 7,337.73 5,130.01 4,421.50
Depreciation 173.64 169.7 148.18 145.03 132.95
Other writ offs
- - - - -
Adjusted PBT 2655.59 1940.29 1879.51 1605.88 1319.63
Tax charges 500.0 340.00 250.00 200.00 170.00
Adjusted PAT 2071.59 1563.92 1420.32 1342.83 1109.09
Non recurring items 0.83 1.09 0.49 0.39 0.42
Other non cash
adjustments
Reported net profit 2072.42 1565.01 1420.81 1343.22 1109.50
Earning before 2072.42 1565.01 1420.81 1343.22 1109.50
appropriation
Equity dividend 328.00 328.00 287.00 270.60 225.50
Dividend tax 55.77 56.00 48.78 38.00 30.65
Retained earnings 1688.67 1181.01 1085.03 1034.62 853.36
1. Current Ratio
Ratios
Current Asset
Current Liability
4060.26
13488.91
= 0.30%

2. Proprietor Ratio
Equity share + Reserve surplus * 100
Fixed asset + Investment + Current Asset
410.00+9629.61
761.30+57776.90+4060.26
10039.61 * 100
62598.46
= 16.09%
3. Debt Equity Ratio
Unsecured Loan
Equity Share + Reserve & Surplus
186892.51
410.00 + 9629.61
186892.51
10039.61
=18.61 :1
4. Gross Profit Ratio
Gross Profit * 100
Net Sales
1928.0 * 100
18120.85
=10.639
5. Net Profit Ratio
Net Sales
2072.42 * 100
18120.85
=11.43%
 CONCLUSION
 In a significant feat, Canara bank was adjudged
“BEST PUBLIC SECTOR BANK” in a survey
conducted by ‘FINANCIAL EXPRESS – ERNST
& YOUNG’ for 2005-2006, in five 5 broad criteria
such as:
1. Growth
2. Credit Quality
3. Strength and Soundness
4. Profitably & Efficiency
5. Productivity
 Canara Bank is one of the premier banks in the country,
accredited with umpteen distinctions.

 The present stature of the Bank is due to its strong

fundamentals and quality customer orientations.

 Profit making since inception, the Bank today epitomizes a

perfect blend of commercial and social banking.

 Canara bank is in fact the first bank to conferred FICCI award

for contribution to rural development.