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									www.canarabank.com   Page 1
                           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
                   4,000




                                            Growth of 33.2%
                   3,500        3021
                   3,000
       ` . Crore




                   2,500
                   2,000
                   1,500
                   1,000
                    500
                      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
                                                      (25%)
                         3 Yr CAGR at 25%            506440
               500,000
                                         (24%)
               450,000                  403986
               400,000     (24%)
               350,000
                           325112
   ` . Crore




               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
                      3 Yr CAGR at 25%
            275,000
            250,000                 234651
            225,000
            200,000
                       186893
` . Crore




            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

             150,000    138219
 ` . Crore




             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
Growth                     33.2%    45.8%      78.7%      -30.0%

            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%

Non-Int. Inc          2703   2858       --    933       710    31.4%


                     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 2011                                         March 2010


                                                           Inter Bk Int       Others
                            Others
        Inter Bk Int                              Fee Incm     1.1%            2.9%
                             3.6%
Fee Incm 0.8%                                       6.5%
  5.7%




             Investm ent                                      Investm ent
               Incom e                                          Incom e
                23.7%                                            25.0%
                                                                                   Int on Adv
                                     Int on Adv                                       64.5%
                                        66.2%




www.canarabank.com                                                                              Page 12
                       BREAK-UP OF OTHER INCOME
                                                         (` in Crore)
                                    Mar’11              Mar’10
                                    FY11     Q4 FY11    FY10   Q4 FY10


   Total Other Income              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
   of the above ..

   Fee Income                      1455        447     1400       402

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                48.54
        50      46.83
        47                        43.61
        44                                40.73    41.98
        41
        38
        35
        32
        29
        26
        23
        20
                 FY07     FY08    FY09    FY10     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
Net Int. Income              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
ROAA (%)                      1.42      1.30       1.27         0.87
ROE (%)                      28.26     26.76      22.78        16.05
EPS (`)                      97.83     73.69      20.76        12.27
Book Value (`)                 405       306        405          306
                     Good Growth in Net Interest Income
                           Improvement in NIM
www.canarabank.com                                                     Page 17
                             QUARTER ON QUARTER POSITION IN NIM


                      3.50

                                              3.16    3.21
                                                                3.12
                      3.20            3.01
                               2.80
    I n Pe rc e n t




                      2.90


                      2.60


                      2.30


                      2.00
                              'M ar    'Jun   'Sep    'Dec      'M ar
                              2010    2010    2010    2010      2011

                                 NIM above 3% since June 2010
www.canarabank.com                                                      Page 18
                                      EARNINGS PROFILE

                                          97.83                                                     405
100
                                                        350
 90
                                                                                         305.83
                                      73.69
 80                                                     300

 70
                                                                                244.87
                             50.55
 60                                                     250            202.33
                     38.17                                       197.83
 50
             34.65
                                                        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%                                           110%
                                                     100%
              80%

                                      80%    80%
              60%
                     66%      70%
              40%


              20%


               0%

                                      DIVIDEND

                       FY06    FY07   FY08   FY09   FY10    FY11



www.canarabank.com                                                 Page 21
                            SHARE HOLDING PATTERN

                                                                    As on Mar.31, 2011

                                     2.3%   2.7%
                              4.4%
                     7.8%


         15.0%
                                                            67.9%




     Govt of India     FIIs   Insurance Companies   Resident Individuals   Banks   Others




www.canarabank.com                                                                       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%

 CD Ratio (%)                     72.27        72.16

          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%                --

 CASA Per Branch                25.52        22.41             --

                        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%
Industrial Advances                 118281        87504         35.2%

                     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)
   19 Exclusive Micro-Finance Branches to help Urban Poor
   Cumulative SHG Tally up at 3.51 Lakhs ..Credit Linked 3.20
    Lakhs
   Total Exposure under SHG (`1064 cr) spread over 90172 SHGs
   10 Financial Literacy and Credit Counselling Centres (FLCCs)
    in Kerala, Tamil Nadu, Karnataka and Bihar.
   ‘Canara Financial Advisory Trust’ to manage FLCCs

www.canarabank.com                                                  Page 28
                     PRODUCTIVITY RATIOS


                                      March’11 March’10

 Business per Employee (` Crore)         12.28      9.83

 Business per Branch (` Crore)          155.49    132.63

 Gross Profit per Employee (` Lakh)      14.81     12.28

 Net Profit per Employee (` Lakh)          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

 Net Investments (Domestic)                       83208                      69114

                                                  61127                      54516
 Held to Maturity                                (73.5%)                    (78.9%)

                                                  21830                      14182
 Available for Sale                              (26.2%)                    (20.5%)

                                                      251                      416
 Held for Trading                                (0.30%)                     (0.6%)

   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
                                        4.95 yrs         5.17 yrs
    Book

     Modified Duration of AFS book and Total Investment book

     Details                             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         4.75 yrs        4.97 Yrs
     Investment Book


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

    Upgradation (-)                             889               866

     Cash Recovery (-)                         1705              1094

      Write-off (-)                             495               884

Closing Balance                                3089              2590

                       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

Total                                      3089             2590
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

 Others                                  172             124.6

 Total                                   242             157.5
           101 restructured accounts from Agriculture
            Slipped during Q4, amounting to ` 1 crore
www.canarabank.com                                                Page 35
          Total Amount under Restructured Accounts – As on
                                                      Mar’11
                                              Amt. in ` Crore

                                      No. of
                                   Accounts         Amount

 Agriculture                           40965             600

 MSME                                   4546             705

 Housing                               11086             528

 Large Advances                         2720            4917

 Others                                35107            1328

 Total                                  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%                                                                    4.51%
                 6.33%             6.24%         6.09%              4.89%               9.0%
                                                                                        Minimum
       10%                                                                              Total
                                                                                        CRAR
         8%
                                                                              10.87%
         6%                                                                             6.0%
                7.17%                           8.01%               8.54%               Minimum
                               7.01%
                                                                                        Tier I
         4%                                                                             CRAR


         2%


         0%
                 M ar.07       M ar.08          M ar.09             M ar.10   M ar.11


      Total      13.50%        13.25%*           14.10*              13.43*   15.38%*
     CRAR
         %                     * Mar’08 onwards - as per Basel II




www.canarabank.com                                                                                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)
                                                                Y-o-Y
                                   March’11 March’10             Incr

Clientele Base                          387       373             14


- No of Deposit A/Cs                    342       329             13


- No of Borrowal A/Cs                    45        45               -

                     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

								
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