www.canarabank.com
Page 1
NET PROFIT GROWTH Q4 FY11
` . Crore
1,000
503
500
Growth of 78.7%
NET PROFIT
899
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
4,000
3,500
3021
` . Crore
3,000
2,500
2,000
1,500
1,000
500
Growth of 33.2%
4026
0
'M ar 2010
'M ar 2011
The Highest ever Net Profit for any
Year
www.canarabank.com
Page 3
A Landmark Achievement
www.canarabank.com
Page 4
Major Highlights- Q4 FY11
 Sustained high growth trajectory
 Surpassed landmark `5 lakh crore in total
business
 Net Interest Income Growth at 23.5%
 Net Interest Margin expanded to 3.12%
 Return on Assets at 1.27%
 Healthy Capital Adequacy Ratio at 15.38%
Tier I Capital Ratio at 10.87%
www.canarabank.com
Page 5
Major Highlights- Q4 FY11

Successfully raised `1993.2 crore through QIP

Raised of $350 million through MTN for overseas
business funding

Gross NPA ratio at 1.45% and Net NPA ratio at
1.11%

Record Cash Recovery of over `2000 crore

Provision Coverage Ratio at 72.99%
www.canarabank.com
Page 6
TOTAL BUSINESS
3 Yr CAGR at 25%
500,000
(24%)
403986
450,000
` . Crore
400,000
350,000
(25%)
506440
(24%)
325112
300,000
250,000
200,000
150,000
100,000
M ar-09
M ar-10
M ar-11
Over ` 1 lakh Crore Business Added
Y.o.Y Growth at 25.4%
www.canarabank.com
Page 7
TOTAL DEPOSITS
293973
275,000
3 Yr CAGR at 25%
234651
250,000
` . Crore
225,000
200,000
186893
175,000
150,000
125,000
100,000
75,000
50,000
M ar-09
M ar-10
M ar-11
Y.o.Y Growth at 25.3%
Against SCBs’ Growth at 15.8% (Domestic)
www.canarabank.com
Page 8
NET ADVANCES
3 Yr CAGR at 24%
212467
200,000
169335
175,000
` . Crore
150,000
138219
125,000
100,000
75,000
50,000
25,000
M ar-09
M ar-10
M ar-11
Y.o.Y Growth at 25.5%
Against SCBs’ Growth at 21.4% (Domestic)
www.canarabank.com
Page 9
PROFIT GROWTH
Amt. in ` Crore
FY11
FY10
Q4 FY11
Q4 FY10
Operating Profit
6107
5061
1695
1430
Growth
20.7%
27.7%
18.5%
12.4
Provisions
2081
2039
796
927
Provision for NPA
1001
1426
541
596
Prov for Taxation
1000
800
250
200
Net Profit
4026
3021
899
503
33.2%
45.8%
78.7%
-30.0%
Growth
Robust Growth in Net Profit for Q4 and FY11
www.canarabank.com
Page 10
INCOME
Amt. in ` Crore
FY11
FY10 Growth Q4FY11 Q4FY10 Growth
Total Income
25767
21610
19.2%
7351
5507
33.5%
Int. Income
23064
18752
23.0%
6418
4797
33.8%
Int. Loans/Adv
17052
13946
22.3%
4823
3545
36.0%
2703
2858
--
933
710
31.4%
Non-Int. Inc
Sustained Increase in Income
www.canarabank.com
Page 11
MAJOR COMPONENTS OF INCOME
Interest Income continues to drive growth in income .. over 65% of earnings from int on
advances
March 2010
March 2011
Inter Bk Int
Fee Incm 0.8%
5.7%
Inter Bk Int
1.1%
Fee Incm
6.5%
Others
3.6%
Investm ent
Incom e
25.0%
Investm ent
Incom e
23.7%
Int on Adv
66.2%
www.canarabank.com
Others
2.9%
Int on Adv
64.5%
Page 12
BREAK-UP OF OTHER INCOME
(` in Crore)
Mar’10
Mar’11
FY11
Q4 FY11
FY10
Q4 FY10
2703
933
2858
710
Commission & Exchange
756
249
724
213
Profit from Exchange Trans
381
116
215
44
Trading Profit
236
-18
872
114
Dividend Income
199
87
104
32
Recovery in w/off A/cs
555
327
406
149
Other Misc. Income
576
172
537
158
1455
447
1400
402
Total Other Income
of the above ..
Fee Income
www.canarabank.com
Page 13
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- LCs, Guarantees and
others.
www.canarabank.com
Page 14
EXPENDITURE
Amt. in ` Crore
FY11
FY10 Growth
Q4FY11 Q4FY10 Growth
Total Exp.
19660
16549
18.8%
5656
4076
38.8%
Int. Exp.
15241
13071
16.6%
4445
3199
38.9%
Op. Expense
4419
3478
27.1%
1211
877
38.0%
Staff Expense
2955
2194
34.7%
783
498
57.1%
Higher Expenses on account of additional provision
for gratuity and pension
www.canarabank.com
Page 15
COST-INCOME RATIO (%)
59
56
53
50
47
44
41
38
35
32
29
26
23
20
48.54
46.83
43.61
40.73
FY07
FY08
FY09
FY10
41.98
FY11
Contained Cost-Income Ratio for FY11, despite
additional provisions for gratuity and pension
www.canarabank.com
Page 16
EARNINGS PROFILE
Amt. in ` Crore
Q4
Q4
FY11
FY10
FY11
FY10
7823
5681
1973
1598
Y-o-Y Growth
(%)
37.7
20.4
23.5
22.4
NIM (%)
3.12
2.80
3.12
2.80
1.42
28.26
97.83
405
1.30
26.76
73.69
306
1.27
22.78
20.76
405
0.87
16.05
12.27
306
Net Int. Income
ROAA (%)
ROE (%)
EPS (`)
Book Value (`)
Good Growth in Net Interest Income
Improvement in NIM
www.canarabank.com
Page 17
QUARTER ON QUARTER POSITION IN NIM
3.50
I n Pe rc e n t
3.20
2.90
3.16
3.21
'Sep
2010
'Dec
2010
3.01
3.12
2.80
2.60
2.30
2.00
'M ar
2010
'Jun
2010
'M ar
2011
NIM above 3% since June 2010
www.canarabank.com
Page 18
EARNINGS PROFILE
97.83
100
405
350
90
305.83
73.69
80
300
70
50.55
60
34.65
50
250
38.17
244.87
202.33
197.83
200
40
30
150
20
10
100
0
BV (Rs)
EPS (INR)
Mar-07

Mar-08
Mar-09
Mar-10
Mar-11
Mar-07
Mar-08
Mar-09
Mar-10
Mar-11
The Bank continues to sustain high levels of earnings. Book Value and
Earnings Per Share show consistent rise, year on year
www.canarabank.com
Page 19
TREND IN COST AND YIELD (%)
Mar’11
Dec’10
Sep’10
Jun’10
Mar’10
Cost of Deposits
5.80
5.66
5.69
5.69
6.12
Cost of Funds
5.37
5.26
5.30
5.26
5.65
Yield on Advances
9.73
9.67
9.61
9.35
9.81
Yield on Funds
8.13
8.12
8.12
7.91
8.10
Yield on
Investments
7.72
7.68
7.61
7.54
7.52
Decrease in Cost Y.o.Y
www.canarabank.com
Page 20
VALUE FOR STAKEHOLDERS
Dividend ... Progressively Increasing Returns for the
Shareholders
120%
100%
100%
80%
60%
66%
70%
80%
110%
80%
40%
20%
0%
DIVIDEND
FY06
www.canarabank.com
FY07
FY08
FY09
FY10
FY11
Page 21
SHARE HOLDING PATTERN
As on Mar.31, 2011
2.3%
4.4%
2.7%
7.8%
15.0%
67.9%
Govt of India
www.canarabank.com
FIIs
Insurance Companies
Resident Individuals
Banks
Others
Page 22
BUSINESS HIGHLIGHTS: FY11
www.canarabank.com
Page 23
BUSINESS PROFILE
Amt. in ` Crore
March’11
March’10
Y-o-Y Gr
Global Business
506440
403986
25.4%
Total Deposits
293973
234651
25.3%
Net Advances
212467
169335
25.5%
72.27
72.16
CD Ratio (%)
Robust Business Growth of over ` 1 lakh Crore
Overseas Business Constituted 3.8%
www.canarabank.com
Page 24
CORE DEPOSITS GROWTH
Amt. in ` Crore
March’11
March’10
Y-o-Y Gr
Savings Deposits
58617
49875
17.5%
CASA Deposits
83117
68261
21.8%
Term Deposits
210856
166390
26.7%
CASA Ratio
30.30%
29.85%
--
25.52
22.41
--
CASA Per Branch
22% Growth in CASA
www.canarabank.com
Page 25
CREDIT FOCUS
Amt. in ` Crore
March’11
March’10
Y-o-Y Gr
Priority Sector Credit
70757
59310
19.3%
Agriculture Credit
29656
25052
18.4%
MSME Advances
37684
31074
21.3%
Retail Lending
31572
23902
32.1%
Housing
15219
10116
50.4%
Infrastructure Advances
34702
25388
36.7%
118281
87504
35.2%
Industrial Advances
Well Diversified Credit Portfolio
www.canarabank.com
Page 26
PIONEERS IN EDUCATION LOAN
 Education Loans grew by 21% y.o.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.com
Page 27
‘CANARA NAYEE DISHA’
… DRIVING 100% FINANCIAL INCLUSION

Mobilised over 6.02 lakhs No-frill Accounts during this year.
…. Cumulative No-frill Accounts 27.84 lakhs (` 520 Cr)



Issued over 3.02 lakhs General Credit Cards (`463 Cr)


Total Exposure under SHG (`1064 cr) spread over 90172 SHGs

‘Canara Financial Advisory Trust’ to manage FLCCs
19 Exclusive Micro-Finance Branches to help Urban Poor
Cumulative SHG Tally up at 3.51 Lakhs ..Credit Linked 3.20
Lakhs
10 Financial Literacy and Credit Counselling Centres (FLCCs)
in Kerala, Tamil Nadu, Karnataka and Bihar.
www.canarabank.com
Page 28
PRODUCTIVITY RATIOS
March’11 March’10
Business per Employee (` Crore)
Business per Branch (` Crore)
Gross Profit per Employee (` Lakh)
Net Profit per Employee (` Lakh)
12.28
9.83
155.49
132.63
14.81
12.28
9.76
7.36
Jump in Business Per Employee and Business Per
Branch
www.canarabank.com
Page 29
INVESTMENT PORTFOLIO
Amt. in ` Crore
March’11
March’10
83208
69114
61127
54516
(73.5%)
(78.9%)
21830
14182
(26.2%)
(20.5%)
251
416
(0.30%)
(0.6%)
Net Investments (Domestic)
Held to Maturity
Available for Sale
Held for Trading
Figures in the brackets are percentage shares in
total
Mar’11
Mar’10
SLR Portfolio
71485 (85.7%)
63175 (91.2%)
Non SLR Portfolio
11959 (14.3%)
6089 (8.8%)
www.canarabank.com
Page 30
DURATION OF INVESTMENT PORTFOLIO
Duration of AFS book and Total Investment
book
Details
Mar’11
Mar’10
Duration of AFS Book
2.35 yrs
2.04 yrs
Duration of HTM Book
5.87 yrs
5.87 yrs
Duration of Total Investment
Book
4.95 yrs
5.17 yrs
Modified Duration of AFS book and Total Investment book
Mar’11
Mar’10
Modified duration of AFS Book
2.23 yrs
1.93 Yrs
Modified duration of HTM Book
5.64 yrs
5.65 Yrs
Modified duration of Total
Investment Book
4.75 yrs
4.97 Yrs
Details
www.canarabank.com
Page 31
ASSET QUALITY
March’11
March’10
Gross NPA (` Crore)
3089
2590
Gross NPA Ratio (%)
1.45
1.52
Net NPA (` Crore)
2347
1800
Net NPA Ratio (%)
1.11
1.06
Provision Coverage Ratio at 72.99%
Record Cash Recovery at `2032 crore
www.canarabank.com
Page 32
Movement of NPA
Amt. in ` Crore
Mar’11
Mar’10
Opening Balance
2590
2168
Fresh Slippages (+)
3508
3266
889
866
1705
1094
495
884
3089
2590
Upgradation (-)
Cash Recovery (-)
Write-off (-)
Closing Balance
Implemented System Driven NPA
Classification for A/Cs above ` 10 lakh
www.canarabank.com
Page 33
Sectoral NPA
Amt. in ` Crore
Mar ’11
Mar’ 10
Micro & Small Enterprises
555
394
Agriculture
663
462
Other Priority Segments
474
567
Medium Enterprises
135
102
Large Industries
300
299
Non-Priority Segments
962
766
3089
2590
Total
www.canarabank.com
Page 34
Amount Restructured During Q4 FY11
Amt. in ` Crore
No. of
Accounts
Amount
Agriculture
42
9.0
MSME
17
7.4
Housing
7
0.2
Large Advances
4
16.3
172
124.6
Others
Total
242
101 restructured accounts from Agriculture
Slipped during Q4, amounting to ` 1 crore
www.canarabank.com
157.5
Page 35
Total Amount under Restructured Accounts – As on
Mar’11
Amt. in ` Crore
Agriculture
MSME
Housing
Large Advances
Others
Total
No. of
Accounts
Amount
40965
600
4546
705
11086
528
2720
4917
35107
1328
94424
8078
Total Slippages out of the above - `655 Crore
www.canarabank.com
Page 36
COMFORTABLE CAPITAL POSITION

CRAR of 15.38% at Mar’11
…Tier I ratio at 10.87%
…Tier II ratio at 4.51%

Raised `750 Cr under IPDI and `1000 Cr under Upper Tier II
Bonds.



Raised `1993.20 crore through the QIP issue.
Govt. holding reduced from 73.17% to 67.72% post QIP
Paid-up Capital rose to `443 crore
Adequate Headroom for further Capital Augmentation
www.canarabank.com
Page 37
CAPITAL ADEQUACY – Basel II
16%
Tier I capit al
Tier 2 capit al
14%
12%
6.33%
6.24%
6.09%
4.51%
9.0%
Minimum
Total
CRAR
4.89%
10%
8%
10.87%
6.0%
Minimum
Tier I
CRAR
6%
7.17%
7.01%
8.01%
8.54%
M ar.07
M ar.08
M ar.09
M ar.10
13.50%
13.25%*
14.10*
4%
2%
0%
Total
CRAR
%
www.canarabank.com
13.43*
M ar.11
15.38%*
* Mar’08 onwards - as per Basel II
Page 38
Beyond
Numbers
www.canarabank.com
Page 39
EXPANDING THE REACH
March’11
March’10
Y-o-Y Incr
Branch Network
3257
3046
211
ATM Strength
2216
2017
199
Card Base (In Lakh)
59.69
49.96
9.73
Strategic Initiatives




Focus on Expanding Domestic Branch Network.
Addition of 211 branches and 199 ATMs during FY11.
Significant rise in number of Savings Bank accounts.
Over 16 lakhs new SB accounts added ‘Savings
Mahotsav’ campaign
www.canarabank.com
Page 40
DEDICATING 100 BRANCHES AND 100 ATMS
TO THE NATION - ON 19th Nov’ 2010
Inauguration of 100 branches and ATMs across India by
Hon’ble Union Finance Minister in New Delhi
www.canarabank.com
Page 41
EXPANDED CLIENTELE BASE
(In Lakhs)
March’11 March’10
Y-o-Y
Incr
Clientele Base
387
373
14
- No of Deposit A/Cs
342
329
13
45
45
-
- No of Borrowal A/Cs
3.87 crore strong clientele base
www.canarabank.com
Page 42
INFOTECH PROGRESS
March’11
Core Banking Branches
All Branches
Internet Banking Branches
All Branches
NEFT and RTGS
All Branches
100% Business under Core Banking Branches
www.canarabank.com
Page 43
LAUNCH OF NEW TECH-PRODUCTS
Basket of Technology Products for Customer Convenience
ASBA, Gift Cards, Canara Debit Card- Platinum, Canara Campus
Cards, Withdrawal at PoS, Bills Desk for Utility Bills Payment
www.canarabank.com
Page 44
GOALS FOR FY12

Aiming at a Total Business of ` 6.25 lakh crore by Mar’12
… ` 3.55 lakh crore under Deposits
… ` 2.70 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.

Thrust on growing Retail Business- Retail Deposits and
Retail Advances

Plans to Open Branches at Manama, QFC-Qatar, South
Africa, Germany, the USA, Brazil, Tanzania and
Representative Office in Tokyo, Japan

Survey to open Branches in Sri Lanka, Nigeria and Kenya
completed
www.canarabank.com
Page 45
www.canarabank.com
Page 46