www.canarabank.

com

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NET PROFIT GROWTH Q4 FY11
NET PROFIT

Growth of 78.7%

1,000

899

` . Crore

503
500

0

Q4 FY10

Q4 FY11

Net Profit Rose by a Robust 78.7%

www.canarabank.com

Page 2

NET PROFIT GROWTH FY11
NET PROFIT
4,500

4026 3021

3,500 3,000

2,500 2,000 1,500 1,000 500 0

'M ar 2010

Growth of 33.2%
'M ar 2011

4,000

` . Crore

The Highest ever Net Profit for any Year
www.canarabank.com
Page 3

A Landmark Achievement

www.canarabank.com

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27%  Healthy Capital Adequacy Ratio at 15.12%  Return on Assets at 1.canarabank.5%  Net Interest Margin expanded to 3.Q4 FY11  Sustained high growth trajectory  Surpassed landmark `5 lakh crore in total business  Net Interest Income Growth at 23.87% www.38% Tier I Capital Ratio at 10.Major Highlights.com Page 5 .

com Page 6 .Major Highlights.99%    www.2 crore through QIP Raised of $350 million through MTN for overseas business funding Gross NPA ratio at 1.11% Record Cash Recovery of over `2000 crore Provision Coverage Ratio at 72.canarabank.Q4 FY11   Successfully raised `1993.45% and Net NPA ratio at 1.

000 400. Crore 350.000 300.000 M ar-09 M ar-10 M ar-11 Over ` 1 lakh Crore Business Added Y.TOTAL BUSINESS 3 Yr CAGR at 25% 500.000 (25%) 506440 (24%) 403986 (24%) 325112 ` .000 100.4% www.canarabank.000 150.000 250.o.000 450.Y Growth at 25.000 200.com Page 7 .

000 250.000 125.000 50.000 150.000 225.000 75.canarabank.000 175.000 100.Y Growth at 25. Crore 200.TOTAL DEPOSITS 293973 275.000 M ar-09 M ar-10 M ar-11 Y.000 3 Yr CAGR at 25% 234651 186893 ` .com Page 8 .3% Against SCBs’ Growth at 15.8% (Domestic) www.o.

com Page 9 .000 50.000 150.Y Growth at 25.4% (Domestic) www. Crore 125.000 100.5% Against SCBs’ Growth at 21.000 212467 169335 138219 ` .000 75.000 M ar-09 M ar-10 M ar-11 Y.o.canarabank.NET ADVANCES 3 Yr CAGR at 24% 200.000 175.000 25.

0% Robust Growth in Net Profit for Q4 and FY11 www.5% 1430 12.com Page 10 .4 Provisions Provision for NPA Prov for Taxation 2081 1001 1000 2039 1426 800 796 541 250 927 596 200 Net Profit Growth 4026 33.canarabank.2% 3021 45.7% 5061 27.8% 899 78.PROFIT GROWTH Amt. in ` Crore FY11 FY10 Q4 FY11 Q4 FY10 Operating Profit Growth 6107 20.7% 503 -30.7% 1695 18.

INCOME Amt.4% Total Income Int.3% -7351 6418 4823 933 5507 4797 3545 710 33.0% 31.5% 33. Income Int. Loans/Adv 25767 23064 17052 2703 Non-Int.2% 23. Inc Sustained Increase in Income www.8% 36.com Page 11 .canarabank. in ` Crore FY11 FY10 Growth Q4FY11 Q4FY10 Growth 21610 18752 13946 2858 19.0% 22.

com Page 12 .0% Int on Adv 64.canarabank.5% www.5% March 2010 Others 2.7% Int on Adv 66.6% Investm ent Incom e 23.7% Others 3.MAJOR COMPONENTS OF INCOME Interest Income continues to drive growth in income .2% Investm ent Incom e 25.1% Fee Incm 6.8% 5..9% Inter Bk Int Fee Incm 0. over 65% of earnings from int on advances March 2011 Inter Bk Int 1.

.canarabank. Income of the above . 2703 756 933 249 2858 724 710 213 381 236 199 116 -18 87 215 872 104 44 114 32 555 576 327 172 406 537 149 158 Fee Income 1455 447 1400 402 Page 13 www.com .BREAK-UP OF OTHER INCOME Mar’11 FY11 Q4 FY11 (` in Crore) Mar’10 FY10 Q4 FY10 Total Other Income Commission & Exchange Profit from Exchange Trans Trading Profit Dividend Income Recovery in w/off A/cs Other Misc.

MEASURES TO AUGMENT NON INTEREST INCOME Increased thrust on Fee Income Broadbasing of Fee Income sources  Cross-Selling of Insurance Products  Mutual Fund Products  On-line Trading Services  Other Traditional Services. www.canarabank.com Page 14 .LCs. Guarantees and others.

in ` Crore FY11 FY10 Growth Q4FY11 Q4FY10 Growth Total Exp. Op.9% 38. Int. Exp.1% Higher Expenses on account of additional provision for gratuity and pension www.1% 34.com Page 15 .8% 38.EXPENDITURE Amt.8% 16.7% 5656 4445 1211 783 4076 3199 877 498 38. Expense Staff Expense 19660 15241 4419 2955 16549 13071 3478 2194 18.canarabank.6% 27.0% 57.

54 46.98 FY07 FY08 FY09 FY10 FY11 Contained Cost-Income Ratio for FY11.83 43. despite additional provisions for gratuity and pension www.com Page 16 .73 41.61 40.COST-INCOME RATIO (%) 59 56 53 50 47 44 41 38 35 32 29 26 23 20 48.canarabank.

canarabank.76 405 22.26 97. in ` Crore Q4 Q4 FY11 Net Int.27 306 Good Growth in Net Interest Income Improvement in NIM www.42 28.83 405 20.4 2.80 1.7 3.12 1.4 2.12 1.com Page 17 .30 26.5 3.76 73. Income Y-o-Y Growth (%) NIM (%) ROAA (%) ROE (%) EPS (`) Book Value (`) FY10 5681 FY11 1973 FY10 1598 7823 37.05 12.80 0.87 16.69 306 23.27 22.EARNINGS PROFILE Amt.78 20.

80 3.50 3.QUARTER ON QUARTER POSITION IN NIM 3.01 2.00 'M ar 2010 'J un 2010 'Sep 2010 'Dec 2010 'M ar 2011 NIM above 3% since June 2010 www.12 I n Pe rc e n t 2.60 2.16 3.20 3.com Page 18 .21 3.canarabank.90 2.30 2.

canarabank.65 38.17 250 200 EPS (INR) Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 BV (Rs) Mar-07 Mar-08 Mar-09 Mar-10 Mar-11  The Bank continues to sustain high levels of earnings. year on year www. Book Value and Earnings Per Share show consistent rise.83 73.EARNINGS PROFILE 97.83 244.83 100 90 80 70 60 50 40 30 20 10 100 0 150 350 405 305.69 300 50.55 34.com Page 19 .33 197.87 202.

10 7.35 7.30 9.72 Decrease in Cost Y.73 8.13 7.12 7.68 Sep’10 5.26 9.69 5.canarabank.37 9.67 8.65 9.com Page 20 .o.80 5.54 Mar’10 6.TREND IN COST AND YIELD (%) Mar’11 Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments Dec’10 5.12 7.26 9.61 Jun’10 5.Y www.69 5.91 7.52 5.12 5.66 5.81 8.61 8.

.com Page 21 .. Progressively Increasing Returns for the Shareholders 120% 100% 100% 70% 80% 80% 110% 80% 60% 66% 40% 20% 0% DIVIDEND FY06 FY07 FY08 FY09 FY10 FY11 www.canarabank.VALUE FOR STAKEHOLDERS Dividend .

SHARE HOLDING PATTERN As on Mar.com Page 22 .9% Govt of India FIIs Insurance Companies Resident Individuals Banks Others www.3% 4.31.canarabank. 2011 2.0% 67.8% 2.7% 15.4% 7.

canarabank.BUSINESS HIGHLIGHTS: FY11 www.com Page 23 .

com Page 24 .4% 25.BUSINESS PROFILE Amt.8% www.27 March’10 403986 234651 169335 72.16 Y-o-Y Gr 25.5% Robust Business Growth of over ` 1 lakh Crore Overseas Business Constituted 3.canarabank. in ` Crore March’11 Global Business Total Deposits Net Advances CD Ratio (%) 506440 293973 212467 72.3% 25.

com Page 25 .52 CASA Deposits Term Deposits CASA Ratio CASA Per Branch 166390 29.canarabank.8% 26.41 --- 22% Growth in CASA www.5% 21.7% 58617 83117 210856 30. in ` Crore March’11 Savings Deposits March’10 49875 68261 Y-o-Y Gr 17.30% 25.85% 22.CORE DEPOSITS GROWTH Amt.

canarabank.3% 32. in ` Crore March’11 Priority Sector Credit Agriculture Credit MSME Advances Retail Lending Housing Infrastructure Advances Industrial Advances March’10 59310 25052 31074 23902 10116 25388 87504 Y-o-Y Gr 19.3% 18.1% 50.4% 36.7% 35.CREDIT FOCUS Amt.com Page 26 .2% 70757 29656 37684 31572 15219 34702 118281 Well Diversified Credit Portfolio www.4% 21.

PIONEERS IN EDUCATION LOAN  Education Loans grew by 21% y.y  Outstanding Education Loans at `3503 crore  The portfolio covers over 1.93 lakh students  On-line Education Loan application in web portal Number ONE amongst Nationalized Banks In Outstanding Education Loans www.canarabank.o.com Page 27 .

. ….canarabank. Karnataka and Bihar.84 lakhs (` 520 Cr)       Issued over 3.com . Tamil Nadu.51 Lakhs . ‘Canara Financial Advisory Trust’ to manage FLCCs Page 28 www.02 lakhs No-frill Accounts during this year.‘CANARA NAYEE DISHA’ … DRIVING 100% FINANCIAL INCLUSION  Mobilised over 6.Credit Linked 3.02 lakhs General Credit Cards (`463 Cr) 19 Exclusive Micro-Finance Branches to help Urban Poor Cumulative SHG Tally up at 3.20 Lakhs Total Exposure under SHG (`1064 cr) spread over 90172 SHGs 10 Financial Literacy and Credit Counselling Centres (FLCCs) in Kerala. Cumulative No-frill Accounts 27.

49 14.com Page 29 .28 155.83 132.76 9.canarabank.81 9.36 Jump in Business Per Employee and Business Per Branch www.28 7.PRODUCTIVITY RATIOS March’11 March’10 Business per Employee (` Crore) Business per Branch (` Crore) Gross Profit per Employee (` Lakh) Net Profit per Employee (` Lakh) 12.63 12.

2%) 251 Held for Trading (0.5%) 416 (0.30%) Figures in the brackets are percentage shares in total Mar’11 SLR Portfolio Non SLR Portfolio www. in ` Crore March’11 Net Investments (Domestic) March’10 69114 54516 (78.com Mar’10 63175 (91.8%) Page 30 71485 (85.7%) 11959 (14.5%) 21830 Available for Sale (26.6%) 83208 61127 Held to Maturity (73.2%) 6089 (8.canarabank.9%) 14182 (20.INVESTMENT PORTFOLIO Amt.3%) .

87 yrs 4.97 Yrs Page 31 .75 yrs Mar’10 1.95 yrs 5.17 yrs Modified Duration of AFS book and Total Investment book Details Modified duration of AFS Book Modified duration of HTM Book Modified duration of Total Investment Book www.64 yrs 4.23 yrs 5.65 Yrs 4.35 yrs 5.DURATION OF INVESTMENT PORTFOLIO Duration of AFS book and Total Investment book Details Mar’11 Mar’10 2.04 yrs 5.93 Yrs 5.87 yrs Duration of AFS Book Duration of HTM Book Duration of Total Investment Book 2.com Mar’11 2.canarabank.

com Page 32 .ASSET QUALITY March’11 Gross NPA (` Crore) Gross NPA Ratio (%) March’10 2590 3089 1.52 1800 Net NPA (` Crore) Net NPA Ratio (%) 2347 1.45 1.canarabank.11 1.06 Provision Coverage Ratio at 72.99% Record Cash Recovery at `2032 crore www.

canarabank.com Page 33 . in ` Crore Mar’11 Opening Balance Fresh Slippages (+) Upgradation (-) Mar’10 2168 3266 866 2590 3508 889 Cash Recovery (-) Write-off (-) Closing Balance 1625 495 3089 1094 884 2590 Implemented System Driven NPA Classification for A/Cs above ` 10 lakh www.Movement of NPA Amt.

com Mar’ 10 394 462 567 102 299 766 2590 Page 34 555 663 474 135 300 962 3089 . in ` Crore Mar ’11 Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Non-Priority Segments Total www.canarabank.Sectoral NPA Amt.

Amount Restructured During Q4 FY11 Amt.2 16. amounting to ` 1 crore 7. in ` Crore No.5 www.com Page 35 .6 157.3 124.canarabank. of Accounts Agriculture Amount 9.0 42 MSME Housing Large Advances Others Total 17 7 4 172 242 101 restructured accounts from Agriculture Slipped during Q4.4 0.

`655 Crore Page 36 www. of Accounts Agriculture MSME Housing Large Advances Others Total Amount 600 705 40965 4546 11086 2720 35107 528 4917 1328 94424 8078 Total Slippages out of the above . in ` Crore No.Total Amount under Restructured Accounts – As on Mar’11 Amt.com .canarabank.

38% at Mar’11 …Tier I ratio at 10.72% post QIP Paid-up Capital rose to `443 crore Adequate Headroom for further Capital Augmentation www.canarabank. Govt.com Page 37 .COMFORTABLE CAPITAL POSITION  CRAR of 15.87% …Tier II ratio at 4. Raised `1993. holding reduced from 73.20 crore through the QIP issue.17% to 67.51%     Raised `750 Cr under IPDI and `1000 Cr under Upper Tier II Bonds.

33% 10% 8% 6.07 7.50% 13.87% 6% 7.25%* 14.24% 6.10* 13.08 M ar.09% 4.54% 6.0% Minimum Total CRAR 10.01% 8.51% 4.com Page 38 .09 M ar.17% 4% 2% 0% M ar.01% 8.10 M ar.0% Minimum Tier I CRAR M ar.CAPITAL ADEQUACY – Basel II 16% 14% 12% Tier I capit al Tier 2 capit al 6.canarabank.as per Basel II www.89% 9.11 Total CRAR % 13.43* 15.38%* * Mar’08 onwards .

canarabank.com Page 39 .Beyond Numbers www.

EXPANDING THE REACH March’11 Branch Network ATM Strength Card Base (In Lakh) 3257 2216 59.69 Strategic Initiatives March’10 3046 2017 49.96 Y-o-Y Incr 211 199 9. Significant rise in number of Savings Bank accounts.73     Focus on Expanding Domestic Branch Network.canarabank.com . Over 16 lakhs new SB accounts added ‘Savings Mahotsav’ campaign Page 40 www. Addition of 211 branches and 199 ATMs during FY11.

ON 19th Nov’ 2010 Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in New Delhi www.DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION .com Page 41 .canarabank.

com Page 42 .EXPANDED CLIENTELE BASE (In Lakhs) March’11 March’10 Clientele Base .No of Deposit A/Cs Y-o-Y Incr 14 387 342 373 329 13 .canarabank.87 crore strong clientele base www.No of Borrowal A/Cs 45 45 - 3.

INFOTECH PROGRESS March’11 Core Banking Branches All Branches All Branches All Branches Internet Banking Branches NEFT and RTGS 100% Business under Core Banking Branches www.com Page 43 .canarabank.

Withdrawal at PoS.com Page 44 . Bills Desk for Utility Bills Payment www. Canara Debit Card.LAUNCH OF NEW TECH-PRODUCTS Basket of Technology Products for Customer Convenience ASBA.Platinum.canarabank. Gift Cards. Canara Campus Cards.

Brazil.GOALS FOR FY12  Aiming at a Total Business of ` 6.com .canarabank. QFC-Qatar.25 lakh crore by Mar’12 … ` 3. Thrust on growing Retail Business. Japan  Survey to open Branches in Sri Lanka.Retail Deposits and Retail Advances Plans to Open Branches at Manama.70 lakh crore under Advances     Over 250 new branches to be opened during FY12 To Take ATM strength to 4000 by March 2012. by adding 1784 ATMs during the year. Tanzania and Representative Office in Tokyo. Germany. the USA.55 lakh crore under Deposits … ` 2. South Africa. Nigeria and Kenya completed Page 45 www.

com Page 46 .canarabank.www.

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