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Page 1 www.canarabank.com PERFORMANCE HIGHLIGHTS SEPTEMBER 2013.

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Presentation on theme: "Page 1 www.canarabank.com PERFORMANCE HIGHLIGHTS SEPTEMBER 2013."— Presentation transcript:

1 Page 1 PERFORMANCE HIGHLIGHTS SEPTEMBER 2013

2 Page 2 HIGHLIGHTS – Q2 FY14 Major Highlights Gross NPA Ratio at 2.64%, down from 2.91% as at June ’13 Net NPA Ratio at 2.30%, down from 2.48% as at June’13 Record Cash Recovery at ` 1923 crore (Sep’12 –` 1479 crore) Base Rate, lowest in the industry 561 New Branches and 821 ATMs added y.o.y. Number of branches crosses 4200 and ATMs cross the 4000 mark Robust Y.o.Y growth in Credit Segments Priority Credit 30% Agriculture- 32% MSME- 30% MSE- 33% Retail - 36% Housing - 42% Vehicle - 44% Personal - 45%

3 Page 3 HIGHLIGHTS – Q2 FY14 Major Highlights Non-Interest Income Q2- ` 773 crore, up by 27% y.o.y Total business reached ` 6.73 lakh crore, up by 22% y-o-y Global Deposits - ` crore, up by 16.3% y.o.y Advances (Net) - ` crore, up by 30.3% y.o.y CD ratio 71.78% (Sep’ %) Capital Adequacy Ratio % (9% norm). Tier I Ratio % (6.5% norm) under new Basel III. CASA Ratio at 25.6% ( Sep’ %) Operating Profit - ` 1425 crore, up by 11% y.o.y Net Profit at ` 626 Crore Net Interest Margin (NIM) – 2.22%, RoA – 0.58%

4 Page 4 PERFORMANCE HIGHLIGHTS- BUSINESS Parameters SEP’12DEC’12MAR’13JUNE’13SEP’13 SEQ (%) y.o.y Growth (%) Deposits Of which High Cost + CD (% to Total Dep) (38%) (29%) (20%) (13.4%) (13.8%) Advances Investments C-D Ratio bps +831 bps Amt. in ` Crore Note : SEQ- Sequential Quarter – Q2FY14 over Q1FY14

5 Page 5 PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS Parameters SEPT’12MAR’ 13SEPT’ 13 y.o.y Growth USD Mn ` Crs USD Mn ` Crs USD Mn ` Crs % Deposits Advances Gross Income Gross Expenditure Gross Profit Overseas Business constitute 6% of the Total Business

6 Page 6 PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q2 FY14 Parameters Q2 FY13Mar’13Q1 FY14Q2 FY14 SEQ (%) y.o.y Growth (%) Total Income Total Expenses Operating Profit Net Profit NIM (%) Amt. in ` Crore

7 Page 7 PERFORMANCE HIGHLIGHTS- PROFITABILITY-H1 FY14 Parameters H1 FY13Mar’13H1FY14 y.o.y Growth (%) Total Income Total Expenses Operating Profit Net Profit NIM (%) Amt. in ` Crore

8 Page 8 PERFORMANCE HIGHLIGHTS- PRODUCTIVITY RATIOS Parameters SEPT’12MAR’13SEPT’13 Business Per Employee (` Crore) Business Per Branch (` Crore) Gross Profit Per Employee (` Lakh) Net Profit per Employee (` Lakh)

9 Page 9 PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH Sept’12Mar’13Sept’13Y-o-Y incr Branch Network ATM Strength Debit Card (In Lakh) domestic Branches 5 overseas branches at London, Leicester, Shanghai, Manama & Hong Kong Rural % Semi-Urban % Urban 81619% Metro 83020%

10 Page 10 BUSINESS SEGMENTS

11 Page 11 SEGMENT WISE DEPOSITS Parameters SEP’12DEC’12MAR’13JUN’13SEP’13 SEQ (%) y.o.y Growth (%) Total Deposits Current Saving CASA CASA (%)Dom 25.7%25.9%25.1%24.2%25.6% -- Term Deposits High Cost Deposits CDs High Cost +CD (%) 38%29%20%13.4%13.8%-- Amt. in ` Crore

12 Page 12 ROBUST GROWTH IN ADVANCES SEGMENT Credit SegmentsSep’12Mar’13 Sep’13 Priority Sector2%17% 30% Agriculture13%28% 32% MSME-17%6% 30% MSE-9%11% 33% Retail-12%-7% 36% Housing-18%-17% 42% Vehicle7%17% 44% Personal Loans-8%13% 45%

13 Page 13 LOANS & ADVANCES SEGMENT Parameters SEP’12DEC’12MAR’13JUN’13SEP’13 SEQ(% ) y.o.y Growth (%) Advances (Net) Total Priority Agriculture Direct Agriculture Indirect Agriculture Other Priority MSME MSE Retail Credit Amt. in ` Crore

14 Page 14 ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Achieved the mandated targets in respect of Agriculture (19.16% against 18% norm) Direct agriculture (17.4% against 13.5% norm) Credit to specified minority communities (17.95% against 15% norm) Weaker Section (12.33% against 10% norm) M&SE (33% y.o.y growth against 20% norm) Number of Micro Enterprises accounts (66% growth against 10% norm) Mandated Targets under Priority Sector

15 Page 15 Performance of Retail Advances Type of Advance SEP’12DEC’12MAR’13JUN’13SEP’13 SEQ(% ) y.o.y Growth (%) Housing loan Vehicle loan Other Pers Loan Education loan Grand total Amt. in ` Crore

16 Page 16 EXPOSURE - INFRASTRUCTURE Parameters SEPT’12MAR’13JUN’13SEPT’13 % Share Total Adv SEQ(% ) y.o.y Growth (%) Roads Ports Airports Power (Generation, Transmission & Distribution) Telecom Other Infrastructure Total Infrastructure Amt. in ` Crore

17 Page 17 Parameters SEPT’12MAR’13JUN’13SEPT’13 % Share Total Adv SEQ(% ) y.o.y Growt h (%) -Power Generation Power Transmission Power Distribution Total Power Of which SEBs Amt. in ` Crore EXPOSURE - POWER SECTOR & AVIATION Exposure to Aviation

18 Page 18 EXPOSURE TO CAPITAL MARKET Parameters SEPT’12Dec’12MAR’13JUN’13 SEPT’1 3 SEQ(% ) y.o.y Growth (%) Outstanding EXPOSURE TO NBFCs HFCs Private Public Total EXPOSURE TO COMMERCIAL REAL ESTATE Outstanding Amt. in ` Crore EXPOSURE TO SENSITIVE SECTORS

19 Page 19 FINANCIALS

20 Page 20 PROFITABILITY- Q2 FY14 Parameters Q2 FY13Mar’13Q1FY14Q2 FY14SEQ (%) y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit Net Int. Income Non Int. Income Amt. in ` Crore

21 Page 21 PROFITABILITY – H1 FY14 Parameters H1 FY13Mar’13H1FY14 y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit Net Int. Income Non Int. Income Amt. in ` Crore

22 Page 22 BREAK-UP : INCOME – Q2 FY14 Parameters Q2 FY13Mar’13Q1 FY14Q2 FY14SEQ (%) y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non – Interest Income Total Income Amt. in ` Crore

23 Page 23 BREAK-UP : INCOME – H1 FY14 Parameters H1 FY13Mar’13H1 FY14 y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non – Interest Income Total Income Amt. in ` Crore

24 Page 24 BREAK-UP : EXPENDITURE – Q2 FY14 Parameters Q2 FY13Mar’13Q1 FY14Q2 FY14SEQ (%) y.o.y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Op Exp Total Op Exp Total Expenses Amt. in ` Crore

25 Page 25 BREAK-UP : EXPENDITURE – H1 FY14 Parameters H1 FY13Mar’13H1 FY14 y.o.y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Op Exp Total Op Exp Total Expenses Amt. in ` Crore

26 Page 26 BREAK-UP: NON-INTEREST INCOME Parameters H1FY13Mar’13H1FY14 y.o.y Growth (%) Non Int. Income Of which Com & Exchange Govt. Business Bancassurance Profit from Exch. Transactions Trading Profit Rent – Lockers Dividend Income Recovery in W/Off A/cs Service Charges & Oth. Msc Inc Amt. in ` Crore

27 Page 27 BREAK-UP : PROVISIONS- Q2FY14 Provisions for Q2 FY13Q4 FY13Q1 FY14Q2 FY14 NPAs Restructured Assets /Diminution in Fair value Standard Assets Provisions on Investments Tax Others Total Provision &Contingency Amt. in ` Crore

28 Page 28 BREAK-UP : PROVISIONS – H1FY14 Provisions for H1 FY13Mar’13H1 FY14 NPAs Restructured Assets /Diminution in Fair value Standard Assets Provisions on Investments Tax Others Total Provision &Contingency Amt. in ` Crore

29 Page 29 EARNINGS PROFILE In % Parameters Q2FY13Q4FY13Q1FY14Q2FY14 NIM ROAA EPS (`) (not Annualized) Book Value (`) ROE (Annualized) Cost-Income Ratio47.5%

30 Page 30 TREND IN COST AND YIELD (%) Sep’12Dec’12Mar’13Jun’13Sep’13 Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments In %

31 Page 31 Investment classification Parameters SEPT’12 % Share in Total Portfolio MAR’13SEPT’13 % Share in Total Portfolio SLR Non SLR Total (Domestic) Held For Trading Available For Sale Held To Maturity M.DURATION 4.73 yrs yrs4.61 yrs-- Total (Global) Amt. in ` Crore

32 Page 32 ASSET QUALITY

33 Page 33 ASSET QUALITY Sep’12Dec’12Mar’13June’13Sep’13 Gross NPA Gross NPA Ratio (%) Net NPA Net NPA Ratio (%) Cash Recovery (cumulative) Cash Recovery of ` 1035 crore during the Quarter Amt. in ` Crore

34 Page 34 GROSS NPA MOVEMENT- Quarterly Parameters SEPT’12Dec’12 MAR’13JUN’13SEPT’13 Gross NPAs: Opening Balance Additions: Fresh Slippages Sub Total Less: Reduction (a+b+c+d) a. Recovery for Movement (excluding recovery in Written-off a/cs, recovery in Current Year slippage & Unapplied interest) b. Upgradation c. ECGC Settled/Int Sus (-)12- (-)5 d. Write off (Including Additional Prudential Write-off) Gross NPA-Closing Balance Amt. in ` Crore

35 Page 35 NPA COMPOSITION Parameters Sep’12Dec’12MAR’13JUN’13SEPT’13 Gross Advances Sub-Standard Doubtful Loss nil Provision Coverage Ratio (%) Amt. in ` Crore

36 Page 36 SECTOR Q2 FY13 Q3 FY13 Q4 FY13 Q1 FY14 Q2 FY14 % of Slippage Micro & Small Ent Agriculture227(33) Other Priority Sector171(52) Total Priority Sector Medium Industries Large Industries Other Non-Priority Total Non-Priority Total (Domestic) Overseas Total (Global) SECTOR-WISE NPA SLIPPAGES Amt. in ` Crore

37 Page 37 SECTOR- WISE NPA OUTSTANDING SECTOR Sep’12Dec’12Mar’13Jun’13Sep’13 Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Other Non-Priority Segments Total Amt. in ` Crore

38 Page 38 Particulars Sep’12Dec’12Mar’13Jun’13Sep’13 Gross Advances Gross NPA Gross NPA % 2.58%2.77% Priority Sector Advances PS as % to Gross Advances Total PS NPA Total PS NPA% Share of PS NPA to Gross NPA Agriculture NPA Agriculture NPA% MSE NPA MSE NPA % Other Priority NPA Other Priority NPA % SECTORAL CONTRIBUTION OF NPA Amt. in ` Crore

39 Page 39 RESTRUCTURED ASSETS Amt. in ` Crore Standard RestructuredTotal Restructured Of Which Standard NPAs A/CAmtA/CAmtA/CAmt A/C Restructured in FY A/C Restructured in FY A/C Restructured in FY A/C Restructured in FY Total cumulative outstanding Liability as at A/C Restructured in Q1 FY A/C Restructured in Q2 FY Total cumulative outstanding Liability as at

40 Page 40 RESTRUCTURED ASSETS SR. NO DETAILS OF RESTRUCTURED ACCOUNTS No. of A/Cs Amount 1 Cr. & Above No. of Accounts Amount 1 Total Restructured Assets as on Out of Which increase in Q2 FY % of Restructured Advances/Portfolio to Total Loans & Advances (as on ) Of which Slippage into NPA -(% of Restructured Accounts) (12.49%) -- Amt. in ` Crore

41 Page 41 RESTRUCTURED ASSETS UNDER CDR POSITION AS ONA/CAmount SEPT MARCH SEPT Amt. in ` Crore

42 Page 42 SECTOR – WISE RESTRUCTURED ACCOUNTS SECTOR No. of AccountsAmount Power Roads17639 Ports289 Mining3933 Aviation51044 Telecommunication Infrastructure others Other services Iron & steel Other industries Textile Amt. in ` Crore

43 Page 43 SECTOR No. of AccountsAmount Engineering Comm. Real Estate Pharmaceuticals Cement 9692 Hardware Shipping 4010 Edible Oil Agriculture Education Housing Chemicals 3647 Others TOTAL SECTOR – WISE RESTRUCTURED ACCOUNTS Contd… Amt. in ` Crore

44 Page 44 AMOUNT RESTRUCTURED DURING Q2 FY14 No. of AccountsAmount Agriculture MSME Housing Large Advances Others Total Amt. in ` Crore

45 Page 45 SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT SEPT 2013 No. of AccountsAmount Agriculture MSME Housing Large Advances Others Total Amt. in ` Crore

46 Page 46 CAPITAL ADEQUACY – NEW BASEL III NORMS Capital Adequacy Ratio CRAR of 10.62% at SEPT 2013 Vs. 9% norm Tier I ratio at 8.52% Vs. 6.5% norm Tier II ratio at 2.10% Govt. holding at 67.7% Paid-up Capital at `443 crore Comfortable CRAR, Sufficient headroom for raising further capital Govt. to infuse ` 500 crore capital by way of preferential allotment in H2 FY14

47 Page 47 CAPITAL ADEQUACY – BASEL III BASEL II BASEL III ParticularsMar'13 Jun’13SEPT’13 Risk-weighted Assets Tier I Capital Tier I Ratio% 9.77% CET: 8.51% AT I: 0.41% Tier I: 8.92% CET: 8.14 % AT I: 0.38% Tier I: 8.52 % Tier II Capital Tier II Ratio%2.63% Total Capital CRAR%12.40%11.13%10.62% Amt. in ` Crore

48 Page 48 SHAREHOLDING PATTERN As on SEP 30, 2013 Govt.67.7% FIIs11.9% Insurance Companies 7.7% Residents Individuals 5.4% Banks1.0% Others6.3%

49 Page 49 FINANCIAL INCLUSION Holistic Approach to Financial Inclusion 136 branches opened in unbanked villages in FY14, taking the tally of branches in unbanked villages to 411. In more than 2000 population villages category, the Bank covered all the allotted 1624 villages in 24 states, under two models, viz., Brick and Mortar Branch Model- 297 villages and Business Correspondent Model villages. In less than 2000 population villages category, the Bank covered 1369 villages out of the 8425 villages allotted, under two models, viz., Brick and Mortar Branch Model- 114 villages and Business Correspondent Model villages. Of the 542 USBs opened in more than 2000 population category, 18 have been upgraded to branches.

50 Page 50 FINANCIAL INCLUSION Holistic Approach to Financial Inclusion Basic Savings Bank (BSB) accounts increased to lakh, with outstanding deposit balance of 1293 crore. In built OD facility provided to 2.16 lakh BSB a/c holders to the extent of 78 crore. 52 Financial Literacy Centres (FLCs) operational as at Sep’ Exposure under SHG is 1365 crore under SHG a/cs. Exposure under GCC is 724 crore under 3.39 lakh accounts. In the 121 DBT Districts, our branches received details of beneficiaries from District Administration and opened accounts (99.43%). Aadhaar seeding have done in accounts (99.56%) out of the beneficiaries. Lead District Waynad reached 82% Aadhaar seeding under DBTL and is No. 1 District among 20 Districts in Phase 1.

51 Page 51 NEW PRODUCTS/PROCESSES 5 new Retail Schemes launched - Loans against Property, Home Loan Plus, Housing Loan to High Networth Individuals, Special Housing Loan Scheme to NRIs and Housing loan to agriculturalists. 2 MSE Schemes launched- Canara MSE Pragati and Canara MSE Unnati for financing Micro and Small Enterprises with attractive lending terms. MoU with M/s ICRA Ltd, CARE Ltd and ONICRA Ltd entered for SME rating of SME entrepreneurs. Facility of Online submission of Applications for opening of SB Account introduced. Balance Enquiry through Missed Call introduced. Hot listing of Debit cards through SMS. New Products /Scheme s

52 Page 52 EXPANDED CLIENTELE BASE 5.16 Crore Strong Clientele Base SEPT’12Mar’13SEPT’13 Y-o-Y Increase Clientele Base No. of Deposit A/Cs No. of Borrowal A/Cs lakhs Clientele added Y-o-Y (In Lakhs)

53 Page 53 MAJOR EVENTS Inauguration of Thirumayam Branch, Education Loan and Rural Utsav by the Hon’ble Union Finance Minister, Shri P Chidambaram

54 Page 54 AWARDS Golden Peacock Award for Excellence in Corporate Governance C&MD was conferred Mahatma Gandhi Pravasi Gold Samman Award during the Global Achievers’ Conclave organized by NRI Welfare Society of India at House of Lords, London. FIPS Excellence Award 2013 under DBT Category for the project- "Direct Benefit Transfer LPG (DBTL) 100% implementation in Waynad District". ‘SKOCH AWARD’ under Corporate Social Responsibility.

55 Page 55 AWARDS Unity International Foundation conferred "Outstanding Banker of the Decade" Award GreenTech Life Time Award for “Excellence in Banking”. Asia Pacific HRM Congress 2013 instituted by Institute of Public Enterprises conferred "CEO of the Year" and "CEO with HR Orientation”. ‘Hindi Rajbhasha Samrakshak Ratna’ award in Dasham Hindi Mahakumbh Evam Saahitya Conference organized by Parivartan Jan Kalyaan Samiti, New Delhi.

56 Page 56 GOALS FOR FUTURE Aims to reach an aggregate business figure of more than 7 lakh crore, with deposit growth of 17%+ and advances growth of 21%+. To take the number of branches to 4500 and number of ATMs to 4500 this year and 5500 branches and ATMs by Mar’2015. Open 3 branches at Johannesburg (South Africa, License already received), DIFC (Dubai) and Frankfurt (Germany) this year and remaining 11 branches at Sao Paulo (Brazil), Dar-es-Salaam (Tanzania), Tokyo (Japan), Abuja (Nigeria), Jeddah (Saudi Arabia), Qatar Financial Centre (Qatar), New York (USA), Sydney(Australia), Ontario (Canada), Wellington (New Zealand) and Singapore by Mar’2015. PLAN S

57 Page 57 GOALS FOR FUTURE Thrust on Retail Business- CASA, recovery, fee income, retail credit. Technology and business process reengineering. Thrust on improving operational financial ratios, such as, NIM, RoA, RoE and Cost-to-Income The Bank has launched Project ‘Shikhar’ aimed at rejuvenating the Bank by focusing on several themes like energizing branches and customer service, increasing sales from branches, growing a robust asset base and revamping the operating model. Global Management Consulting firm viz., M/s Boston Consulting Group (India) Private Limited (BCG) is assisting the Bank in this transformation journey. PLAN S

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