Canara Bank

1
PERFORMANCE HIGHLIGHTS
June 2009
2
Canara .. at a Glance
Pan India Presence
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FINANCIAL HIGHLIGHTS
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ROBUST PROFIT GROWTH
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BUSINESS PROFILE
Amt. in Rs. Crore
Robust Business Growth Of Over Rs.68000
Cr Domestic Business Constituted 97.7
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TOPLINE GROWTH
Total Business Added during the First Quarter
Over Rs.9200 Crore
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TOTAL ASSETS
Significant Jump in Total Assets
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Q1-FY10 EARNINGS PROFILE
Amt. in Rs. Crore
9
INCOME GROWTH Q1 FY 10
Amt. in Rs. Crore
Robust Growth of Over 28 in Non-Interest Income
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MAJOR COMPONENTS OF INCOME

• Interest Income continues to drive growth in
  income
• over 2/3rd of earnings from interest on
  advances/loans
• Robust growth under Non-Interest Income

Q1 FY 09 (Jun08)
Q1 FY10 (Jun09)
11
EXPENDITURE GROWTH Q1 FY 10
Amt. in Rs. Crore
12
NET INTEREST INCOME Q1 FY 10
Amt. in Rs. Crore
Improvement In NIM Over Jun08
13
PROFIT GROWTH Q1 FY10
Amt. in Rs. Crore
14
BREAK-UP OF OTHER INCOME
Amt. in Rs. Crore
15
MEASURES TO AUGMENT NON INTEREST INCOME
16
BREAK-UP OF PROVISIONS
Amt. in Rs. Crore
Additional Prov. Of Rs.75 Cr Under Wage
Settlement
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PROFITABILITY RATIOS
(In )
Improvement in Profitability Ratios
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PRODUCTIVITY RATIOS
Highest Per Branch Business among Peers
19
INVESTMENT PORTFOLIO
Amt. in Rs. Crore
Figures in the brackets are percentage shares in
total
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ASSET QUALITY
92765 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
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COMFORTABLE CAPITAL POSITION
Adequate Headroom for Capital Augmentation
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CAPITAL ADEQUACY Basel II
9.0 Minimum Total CRAR
(7623)
(7252)
(6925)
(7250)
6.0 Minimum Tier I CRAR
(10023)
(10577)
(8148)
(7850)
Total CRAR
13.25
13.59
14.10
11.22
13.50
Mar08, Mar09 and June09 as per Basel II
(Figures in the brackets are amt. in Rs. Crore)
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EARNINGS PROFILE

Continues to Sustain High Levels of Earnings
Book Value (BV) and Earnings Per Share (EPS)
show consistent rise
EPS for June Quarters (Not Annualized)
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SHARE HOLDING PATTERN
As on June 30, 2009
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BUSINESS FOCUS
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CORE DEPOSITS GROWTH
Amt. in Rs. Crore
Highest Per Branch CASA Deposit among Peers
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CREDIT FOCUS
Amt. in Rs. Crore
Well Diversified Credit Portfolio Focus on
Productive Sectors
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PRIORITY SECTOR
Amt. in Rs. Crore
Disbursed Rs. 4059 crore to Agriculture in Q1
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PIONEERING EDUCATION LOAN
Number ONE amongst Nationalised Banks In
Outstanding Education Loans
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EXPANDING THE REACH
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EXPANDED CLIENTELE BASE
Over 35 million strong and growing clientele base
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INFOTECH PROGRESS
77 Business under Core Banking Solution Large
ATM Network across the Country
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PLANS FOR FY10
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Initiatives...
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INITIATIVES To Expand Credit
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SPREAD MANAGEMENT
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COST MANAGEMENT
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