Page 1www.canarabank.com

Page 2www.canarabank.com

NET PROFIT

503

899

0

500

1,000

Q4 FY10 Q4 FY11

`. C

rore

Net Profit Rose by a Robust 78.7%

NET PROFIT GROWTH Q4 FY11 NET PROFIT GROWTH Q4 FY11

Gro

wth

of

78.7

%G

row

th o

f 78.7

%

Page 3www.canarabank.com

NET PROFIT

3021

4026

0

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

4,500

'Mar 2010 'Mar 2011

`. C

rore

The Highest ever Net Profit for any Year

NET PROFIT GROWTH FY11 NET PROFIT GROWTH FY11

Gro

wth

of

33.2

%G

row

th o

f 33.2

%

Page 4www.canarabank.com

A Landmark Achievement A Landmark Achievement

Page 5www.canarabank.com

Major Highlights- Q4 FY11Major 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%

Page 6www.canarabank.com

Major Highlights- Q4 FY11Major 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%

Page 7www.canarabank.com

TOTAL BUSINESSTOTAL BUSINESS

Over ` 1 lakh Crore Business Added Y.o.Y Growth at 25.4%

325112

403986

506440

100,000

150,000

200,000

250,000

300,000

350,000

400,000

450,000

500,000

Mar-09 Mar-10 Mar-11

`. C

rore

(24%)

(25%)

(24%)3 Yr CAGR at

25%

Page 8www.canarabank.com

186893

234651

293973

50,000

75,000

100,000

125,000

150,000

175,000

200,000

225,000

250,000

275,000

Mar-09 Mar-10 Mar-11

`. C

rore

TOTAL DEPOSITSTOTAL DEPOSITS

3 Yr CAGR at 25%

Y.o.Y Growth at 25.3%Against SCBs’ Growth at 15.8%

(Domestic)

Page 9www.canarabank.com

138219

169335

212467

25,000

50,000

75,000

100,000

125,000

150,000

175,000

200,000

Mar-09 Mar-10 Mar-11

`. C

rore

NET ADVANCESNET ADVANCES

3 Yr CAGR at 24%

Y.o.Y Growth at 25.5%Against SCBs’ Growth at 21.4%

(Domestic)

Page 10www.canarabank.com

PROFIT GROWTHPROFIT GROWTHAmt. 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

Page 11www.canarabank.com

INCOME INCOME

Sustained Increase in Income

FY11 FY10Growt

h Q4FY1

1Q4FY1

0Growt

h

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%

Amt. in ` Crore

Page 12www.canarabank.com

Interest Income continues to drive growth in income .. over 65% of earnings from int on advances

MAJOR COMPONENTS OF MAJOR COMPONENTS OF INCOMEINCOME

March 2010March 2010

Investment Income25.0%

Int on Adv64.5%

Others2.9%Fee Incm

6.5%

Inter Bk Int1.1%

March 2011March 2011

Investment Income23.7%

Int on Adv66.2%

Others3.6%Fee Incm

5.7%

Inter Bk Int0.8%

Page 13www.canarabank.com

BREAK-UP OF OTHER INCOMEBREAK-UP OF OTHER INCOME

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

(` in Crore)

Page 14www.canarabank.com

MEASURES TO AUGMENTMEASURES TO AUGMENT NON INTEREST INCOMENON 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.

Page 15www.canarabank.com

EXPENDITURE EXPENDITURE

FY11 FY10Growt

h Q4FY1

1Q4FY1

0Growt

h

Total Exp.1966

0 16549 18.8% 5656 4076 38.8%

Int. Exp. 1524

1 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

Amt. in ` Crore

Page 16www.canarabank.com

COST-INCOME RATIO (%) COST-INCOME RATIO (%)

46.8348.54

43.6140.73 41.98

2023262932353841444750535659

FY07 FY08 FY09 FY10 FY11

Contained Cost-Income Ratio for FY11, despite additional provisions for gratuity and

pension

Page 17www.canarabank.com

EARNINGS PROFILEEARNINGS PROFILE

FY11 FY10

Q4

FY11

Q4

FY10

Net Int. Income 7823 5681 1973 1598Y-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 12.27Book Value (`) 405 306 405 306

Amt. in ` Crore

Good Growth in Net Interest IncomeImprovement in NIM

Page 18www.canarabank.com

QUARTER ON QUARTER POSITION IN NIM QUARTER ON QUARTER POSITION IN NIM

2.80

3.013.16 3.21

3.12

2.00

2.30

2.60

2.90

3.20

3.50

'Mar2010

'Jun2010

'Sep2010

'Dec2010

'Mar2011

In P

erc

en

t

NIM above 3% since June 2010

Page 19www.canarabank.com

EARNINGS PROFILEEARNINGS PROFILE

34.6538.17

50.55

73.69

97.83

0

10

20

30

40

50

60

70

80

90

100

EPS (INR)Mar-07 Mar-08 Mar-09 Mar-10 Mar-11

197.83202.33

244.87

305.83

405

100

150

200

250

300

350

BV (Rs)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

The Bank continues to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year

Page 20www.canarabank.com

TREND IN COST AND YIELD (%)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

Page 21www.canarabank.com

VALUE FOR STAKEHOLDERSVALUE FOR STAKEHOLDERS

66% 70%80% 80%

100%110%

0%

20%

40%

60%

80%

100%

120%

DIVIDEND

FY06 FY07 FY08 FY09 FY10 FY11

Dividend ... Progressively Increasing Returns for the

Shareholders

Page 22www.canarabank.com

SHARE HOLDING PATTERN

As on Mar.31, 2011

15.0%

7.8%4.4%

2.3% 2.7%

67.9%

Govt of India FIIs Insurance Companies Resident Individuals Banks Others

Page 23www.canarabank.com

BUSINESS HIGHLIGHTS: FY11

Page 24www.canarabank.com

BUSINESS PROFILEBUSINESS PROFILE

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%

Amt. in ` Crore

Page 25www.canarabank.com

CORE DEPOSITS GROWTHCORE DEPOSITS GROWTH

22% Growth in CASA

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 Ratio30.30% 29.85% --

CASA Per Branch 25.52 22.41 --

Amt. in ` Crore

Page 26www.canarabank.com

CREDIT FOCUSCREDIT FOCUS

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

Amt. in ` Crore

Page 27www.canarabank.com

PIONEERS IN EDUCATION LOANPIONEERS 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 BanksIn Outstanding Education Loans

Page 28www.canarabank.com

‘‘CANARA NAYEE DISHA’ CANARA NAYEE DISHA’ … DRIVING 100% FINANCIAL INCLUSION… 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

Page 29www.canarabank.com

PRODUCTIVITY RATIOSPRODUCTIVITY 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

Page 30www.canarabank.com

Figures in the brackets are percentage shares in total

INVESTMENT PORTFOLIO INVESTMENT PORTFOLIO Amt. in ` Crore

March’11 March’10

Net Investments (Domestic) 83208 69114

Held to Maturity

61127

(73.5%)

54516

(78.9%)

Available for Sale

21830

(26.2%)

14182

(20.5%)

Held for Trading

251

(0.30%)

416

(0.6%)

Mar’11 Mar’10

SLR Portfolio 71485 (85.7%) 63175 (91.2%)

Non SLR Portfolio 11959 (14.3%) 6089 (8.8%)

Page 31www.canarabank.com

DURATION OF INVESTMENT PORTFOLIODURATION OF INVESTMENT PORTFOLIODuration of AFS book and Total Investment bookDetails 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

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 Investment Book

4.75 yrs 4.97 Yrs

Page 32www.canarabank.com

ASSET QUALITYASSET QUALITY

Provision Coverage Ratio at 72.99%

Record Cash Recovery at `2032 crore

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

Page 33www.canarabank.com

Movement of NPA 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

Page 34www.canarabank.com

Sectoral NPA 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

Page 35www.canarabank.com

Amount Restructured During Q4 FY11Amount 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 242 157.5101 restructured accounts from Agriculture Slipped during Q4,

amounting to ` 1 crore

Page 36www.canarabank.com

Total Amount under Restructured Accounts – As Total Amount under Restructured Accounts – As on Mar’11on Mar’11Amt. in ` Crore

No. of Accounts Amount

Agriculture 40965 600

MSME 4546 705

Housing 11086 528

Large Advances 2720 4917

Others 35107 1328

Total 94424 8078Total Slippages out of the above - `655 Crore

Page 37www.canarabank.com

COMFORTABLE CAPITAL POSITION COMFORTABLE CAPITAL POSITION

Adequate Headroom for further Capital Augmentation

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

Page 38www.canarabank.com

10.87%

8.54%8.01%7.01%7.17%

4.51%4.89%6.09%6.24%6.33%

0%

2%

4%

6%

8%

10%

12%

14%

16%

Mar.07 Mar.08 Mar.09 Mar.10 Mar.11

Tier I capital Tier 2 capital

9.0% Minimum Total CRAR

6.0% Minimum Tier I CRAR

15.38%*Total CRAR

%

CAPITAL ADEQUACY – Basel IICAPITAL ADEQUACY – Basel II

13.50% 13.25%* 14.10*

* Mar’08 onwards - as per Basel II

13.43*

Page 39www.canarabank.com

Beyond Numbers

Page 40www.canarabank.com

EXPANDING THE REACHEXPANDING THE REACH

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

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

Page 41www.canarabank.com

DEDICATING 100 BRANCHES AND 100 DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION - ON 19ATMS TO THE NATION - ON 19thth Nov’ Nov’

20102010

Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in

New Delhi

Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in

New Delhi

Page 42www.canarabank.com

EXPANDED CLIENTELE BASEEXPANDED CLIENTELE BASE

March’11

March’10

Y-o-Y 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 base3.87 crore strong clientele base

(In Lakhs)

Page 43www.canarabank.com

INFOTECH PROGRESSINFOTECH PROGRESS

March’11

Core Banking Branches All Branches

Internet Banking Branches All Branches

NEFT and RTGS All Branches

100% Business under Core Banking Branches100% Business under Core Banking Branches

Page 44www.canarabank.com

LAUNCH OF NEW TECH-PRODUCTSLAUNCH 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

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

Page 45www.canarabank.com

GOALS FOR FY12GOALS 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

Page 46www.canarabank.com