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Page 1 www.canarabank.com June 2009. Page 2 www.canarabank.com Canara.. at a Glance A Premier Nationalised Bank in India Well spread network of 2739 branches.

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Presentation on theme: "Page 1 www.canarabank.com June 2009. Page 2 www.canarabank.com Canara.. at a Glance A Premier Nationalised Bank in India Well spread network of 2739 branches."— Presentation transcript:

1 Page 1 June 2009

2 Page 2 Canara.. at a Glance A Premier Nationalised Bank in India Well spread network of 2739 branches Over 2000 ATMs spread across the country Nearly 35 million strong cross-section clientele base Consistent track record of profit making.. Since inception Financial Supermarket - 9 subsidiaries/sponsored institutions/JVs Foray into High Growth Areas, viz., Insurance and Asset Management with Global Majors Pan India Presence

3 Page 3 FINANCIAL HIGHLIGHTS

4 Page 4 ROBUST PROFIT GROWTH

5 Page 5 BUSINESS PROFILE Jun09Jun08Y-o-Y Gr Aggregate Business % Total Deposits % Net Advances % CD Ratio (%) bps Amt. in Rs. Crore Robust Business Growth Of Over Rs Cr Domestic Business Constituted 97.7%

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

7 Page 7 TOTAL ASSETS Significant Jump in Total Assets

8 Page 8 Q1-FY10 : EARNINGS PROFILE Jun09Jun08 Growth Interest on Advances % Total Int. Income % Total Int. Expenditure % Net Interest Income % Amt. in Rs. Crore

9 Page 9 INCOME GROWTH: Q1 FY 10 Amt. in Rs. Crore Jun09Jun08Growth Total Income % Interest Income % Interest from Loans and Adv % Non-Interest Income % Robust Growth of Over 28% in Non-Interest Income

10 Page 10 Interest Income continues to drive growth in income …over 2/3 rd of earnings from interest on advances/loans Robust growth under Non-Interest Income MAJOR COMPONENTS OF INCOME Q1 FY10 (Jun09) Q1 FY 09 (Jun08)

11 Page 11 EXPENDITURE GROWTH: Q1 FY 10 Amt. in Rs. Crore Jun09Jun08Growth Total Expenditure % Interest Expenditure % Operating Expenses % Cost-Income Ratio (%) bps

12 Page 12 NET INTEREST INCOME : Q1 FY 10 Amt. in Rs. Crore Jun09Jun08 Interest Income Interest Expenditure Net Interest Income Y-o-Y Growth 26.7%14.0% Net Interest Margin (%) Improvement In NIM Over Jun08

13 Page 13 PROFIT GROWTH : Q1 FY10 PROFIT GROWTH : Q1 FY10 Amt. in Rs. Crore Jun09Jun08 Operating Profit Growth48%15% Provisions Incl. Prov. for Wage Settlement75-- Net Profit Growth353%- 49% RoAA (%) EPS (Rs.) (Not Annualized)

14 Page 14 BREAK-UP OF OTHER INCOME Jun09Jun08 Total Other Income Commission & Exchange Profit from Exchange Trans Trading Profit Dividend Income Recovery in w/off A/cs Other Misc. Income Amt. in Rs. Crore

15 Page 15 MEASURES TO AUGMENT NON INTEREST INCOME Increased thrust on Fee Income Broadbasing of Fee Income sources Cross Selling of Insurance Mutual Fund Products On-line Trading Services Other Traditional Services- LCs, Guarantees, DDs and others.

16 Page 16 BREAK-UP OF PROVISIONS Jun09Jun08 Total Provisions & Contingencies Of Which: Non Performing Advances Provision for Investments Taxation Amt. in Rs. Crore Additional Prov. Of Rs.75 Cr Under Wage Settlement

17 Page 17 PROFITABILITY RATIOS Jun08 (Q1 FY09) Sep08 (H1 FY09) Dec08 (9M FY09) Mar09 (FY09) Jun09 (Q1 FY10) Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Spread Net Interest Margin (In %) Improvement in Profitability Ratios

18 Page 18 PRODUCTIVITY RATIOS Jun09Jun08 Business per Employee (Rs. Crore) Business per Branch (Rs. Crore) Gross Profit per Employee (Rs. Lakh) Net Profit per Employee (Rs. Lakh) Highest Per Branch Business among Peers

19 Page 19 Amt. in Rs. Crore Figures in the brackets are percentage shares in total INVESTMENT PORTFOLIO Jun09Jun08 Net Investments (Domestic) Held to Maturity (64.3%) (63.5%) Available for Sale (35.1%) (36.2%) Held for Trading 351 (0.6%) 164 (0.3%)

20 Page 20 ASSET QUALITY Jun09Jun 08 Gross NPA (Rs. Crore) Gross NPA Ratio (%) Net NPA (Rs. Crore) Net NPA Ratio (%) A/Cs Restructured- Aggregating to Rs.5190 Cr as at June09 Substandard Assets Formed 75% of Gross NPA and 88% of net NPA Intensive Thrust on Credit Monitoring and Containing Slippages

21 Page 21 COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation CRAR of 13.59% at Jun09 …well above the regulatory minimum of 9% Medium Term Objective.. CRAR of above 12% One of the best Capital Position amongst its Peers …still undiluted 73.17% GoI Holding in the Bank

22 Page % Minimum Total CRAR 6.0% Minimum Tier I CRAR 11.22% Total CRAR % CAPITAL ADEQUACY – Basel II 13.50% 13.25%*13.59* (7850) (6925) (8148) (7250) (Figures in the brackets are amt. in Rs. Crore) (7623) (10023) * Mar08, Mar09 and June09 as per Basel II 14.10* (7252) (10577)

23 Page 23 EARNINGS PROFILE Continues to Sustain High Levels of Earnings Book Value (BV) and Earnings Per Share (EPS) show consistent rise 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 Page 24 SHARE HOLDING PATTERN As on June 30, 2009

25 Page 25 BUSINESS FOCUS

26 Page 26 CORE DEPOSITS GROWTH Amt. in Rs. Crore Highest Per Branch CASA Deposit among Peers Jun09Jun08Y-o-Y Gr Core Deposits % Retail Term Deposits % CASA per Branch Deposits Clientele (Mn) Mn

27 Page 27 CREDIT FOCUS Amt. in Rs. Crore Jun09Jun08 Y-o-Y Gr Priority Sector Credit % Agriculture Credit % MSME Advances % Retail Lending % Housing % Infrastructure Advances % Adv Clientele (Mn) Mn Well Diversified Credit Portfolio Focus on Productive Sectors

28 Page 28 PRIORITY SECTOR Jun09Jun08Y-o-Y Gr Priority Credit O/s % Agriculture Adv O/s % MSME Advances O/s % Amt. in Rs. Crore Disbursed Rs crore to Agriculture in Q1

29 Page 29 PIONEERING EDUCATION LOAN Education Loans up by 32.8% y.o.y Outstanding Education Loans as at Jun 09 Rs.2387 crore The portfolio covers over 1.47 lakhs students On-line Education Loan application in web portal Number ONE amongst Nationalised Banks In Outstanding Education Loans

30 Page 30 EXPANDING THE REACH Jun09Jun08Y-o-Y Incr Branch Network ATM Strength Card Base (In Lakh) ATM Tally of over 2000 (778 Off-Site ATMs, including 187 ATMs at important Railway Stations) Ongoing Initiatives Increase Debit-Cum-ATM Card Base Enhance Per ATM Per Day Hits Making ATMs Profit Centre Rationalization and Relocation in Potential Centres

31 Page 31 EXPANDED CLIENTELE BASE Jun09Jun08Y-o-Y Incr Clientele Base in Mn No of Deposit a/cs (Mn) No of Borrowal a/cs (Mn) Over 35 million strong and growing clientele base

32 Page 32 INFOTECH PROGRESS Jun09Jun08 Core Banking Branches Anywhere Banking Branches Internet & Mobile Banking Branches NEFT and RTGS All Branches 77% Business under Core Banking Solution Large ATM Network across the Country 77% Business under Core Banking Solution Large ATM Network across the Country

33 Page 33 PLANS FOR FY10 Aiming at a Total Business of Rs.4,00,000 crore by Mar10 … Rs.2,25,000 crore under Deposits … Rs.1,75,000 crore under Advances Over 200 new branches to be opened during the year Continued focus on Core Business Growth Further CBS rollout during the year- branches and service units Increasing technological automation Strengthening overseas presence RBI approval for 11 overseas Branches/offices obtained… Johannesburg, Frankfurt, Muscat, Manama, QFC-Qatar, Leicester, New York, Sao Paulo, Dar-er-Salam, Tokyo and Sharjah

34 Page 34

35 Page 35 INITIATIVES… To Expand Credit RETAIL LENDING PUSH Intensive focus on housing loans Attractive offerings for housing loans upto Rs.30 lakhs …RoI fixed at 8.25% for 12 months and 9.25% for next 48 months Focus on Retail Asset Hubs-Central Processing Units …. for reducing turnaround time

36 Page 36 SPREAD MANAGEMENT Spread Management Challenges on Sustaining Net Interest Margin … southward movement in interest rates Reduction in BPLR - from 12.50% to 12.00% (w.e.f 1 st April 2009 ) Reduction in deposit rate from the peak of 10.5% to 7.5% at present Measures Intensive mobilization of Core Deposits, including CASA Substitution of high cost preferential rate deposits with low cost term deposits Deployment of resources in better yielding productive assets Focus on Corporates Intensive thrust on credit monitoring and containing slippages

37 Page 37 COST MANAGEMENT Cost Management Effective Cost Management to protect Operating Margin Exercising Restraint/Control on Other Operating Expenses Economizing cost and rental for branches/offices/ATMs Optimizing the utilization of ATMs Reducing burden, improving pool of non-interest income by Mar10 Enterprise-wide Cost Saving and Cost Control awareness

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