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com

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NET PROFIT GROWTH Q4 FY11

NET PROFIT

Growth of 78.7%

1,000

899

` . Crore

503
500

Q4 FY10

Q4 FY11

Net Profit Rose by a Robust 78.7%

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NET PROFIT GROWTH FY11

NET PROFIT
4,500

4026 3021

3,500 3,000

2,500 2,000 1,500 1,000 500 0

'M ar 2010

Growth of 33.2%
'M ar 2011

4,000

` . Crore

The Highest ever Net Profit for any Year

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A Landmark Achievement

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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%

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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%

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TOTAL BUSINESS
3 Yr CAGR at 25%
500,000 450,000 400,000

(25%) 506440

(24%) 403986 (24%) 325112

` . Crore

350,000 300,000 250,000 200,000 150,000 100,000

M ar-09

M ar-10

M ar-11

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

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TOTAL DEPOSITS
293973
275,000 250,000 225,000

3 Yr CAGR at 25%
234651 186893

` . Crore

200,000 175,000 150,000 125,000 100,000 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)

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NET ADVANCES
3 Yr CAGR at 24%
200,000 175,000 150,000

212467

169335 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)

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PROFIT GROWTH
Amt. in ` Crore

FY11

FY10

Q4 FY11

Q4 FY10

Operating Profit
Growth

6107
20.7%

5061
27.7%

1695
18.5%

1430
12.4

Provisions
Provision for NPA Prov for Taxation

2081
1001 1000

2039
1426 800

796
541 250

927
596 200

Net Profit
Growth

4026
33.2%

3021
45.8%

899
78.7%

503
-30.0%

Robust Growth in Net Profit for Q4 and FY11

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INCOME
Amt. in ` Crore

FY11

FY10 Growth Q4FY11 Q4FY10 Growth 21610 18752 13946 2858 19.2% 23.0% 22.3% -7351 6418 4823 933 5507 4797 3545 710 33.5% 33.8% 36.0% 31.4%

Total Income
Int. Income
Int. Loans/Adv

25767 23064 17052 2703

Non-Int. Inc

Sustained Increase in Income

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MAJOR COMPONENTS OF INCOME

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

March 2011
Inter Bk Int 1.1% Fee Incm 6.5%

March 2010
Others 2.9%

Inter Bk Int Fee Incm 0.8% 5.7%

Others 3.6%

Investm ent Incom e 23.7% Int on Adv 66.2%

Investm ent Incom e 25.0% Int on Adv 64.5%

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BREAK-UP OF OTHER INCOME

Mar11
FY11 Q4 FY11

(` in Crore) Mar10
FY10 Q4 FY10

Total Other Income

Commission & Exchange Profit from Exchange Trans Trading Profit Dividend Income Recovery in w/off A/cs Other Misc. Income
of the above ..

2703
756

933
249

2858
724

710
213

381
236 199

116
-18 87

215
872 104

44
114 32

555
576

327
172

406
537

149
158

Fee Income

1455

447

1400

402
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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.

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EXPENDITURE
Amt. in ` Crore

FY11

FY10 Growth

Q4FY11 Q4FY10 Growth

Total Exp.
Int. Exp. Op. Expense
Staff Expense

19660
15241 4419 2955

16549
13071 3478 2194

18.8%
16.6% 27.1% 34.7%

5656
4445 1211 783

4076
3199 877 498

38.8%
38.9% 38.0% 57.1%

Higher Expenses on account of additional provision for gratuity and pension

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COST-INCOME RATIO (%)

59 56 53 50 47 44 41 38 35 32 29 26 23 20

48.54 46.83 43.61 40.73 41.98

FY07

FY08

FY09

FY10

FY11

Contained Cost-Income Ratio for FY11, despite additional provisions for gratuity and pension
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EARNINGS PROFILE
Amt. in ` Crore

Q4

Q4

FY11
Net Int. Income
Y-o-Y Growth (%) NIM (%) ROAA (%) ROE (%) EPS (`) Book Value (`)

FY10
5681

FY11
1973

FY10
1598

7823

37.7
3.12 1.42 28.26 97.83 405

20.4
2.80 1.30 26.76 73.69 306

23.5
3.12 1.27 22.78 20.76 405

22.4
2.80 0.87 16.05 12.27 306

Good Growth in Net Interest Income Improvement in NIM

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QUARTER ON QUARTER POSITION IN NIM

3.50

3.16
3.20

3.21

3.01 2.80

3.12

I n Pe rc e n t

2.90 2.60 2.30 2.00

'M ar 2010

'J un 2010

'Sep 2010

'Dec 2010

'M ar 2011

NIM above 3% since June 2010

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EARNINGS PROFILE
97.83
100 90 80 70 60 50 40 30 20 10 100 0 150 350

405
305.83 244.87 202.33 197.83

73.69
300

50.55 34.65 38.17

250

200

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

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

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TREND IN COST AND YIELD (%)

Mar11
Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments Dec10 5.66 5.26 9.67 8.12 7.68 Sep10 5.69 5.30 9.61 8.12 7.61 Jun10 5.69 5.26 9.35 7.91 7.54 Mar10 6.12 5.65 9.81 8.10 7.52

5.80 5.37 9.73 8.13 7.72

Decrease in Cost Y.o.Y

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VALUE FOR STAKEHOLDERS

Dividend ... Progressively Increasing Returns for the Shareholders
120%

100%

100% 70% 80% 80%

110%

80%

60%

66%

40%

20%

0%

DIVIDEND
FY06 FY07 FY08 FY09 FY10 FY11

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SHARE HOLDING PATTERN

As on Mar.31, 2011
2.3% 4.4% 7.8% 2.7%

15.0% 67.9%

Govt of India

FIIs

Insurance Companies

Resident Individuals

Banks

Others

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BUSINESS HIGHLIGHTS: FY11

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BUSINESS PROFILE
Amt. in ` Crore

March11 Global Business Total Deposits Net Advances CD Ratio (%) 506440 293973 212467 72.27

March10 403986 234651 169335 72.16

Y-o-Y Gr 25.4% 25.3% 25.5%

Robust Business Growth of over ` 1 lakh Crore

Overseas Business Constituted 3.8%
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CORE DEPOSITS GROWTH

Amt. in ` Crore

March11
Savings Deposits

March10
49875
68261

Y-o-Y Gr
17.5% 21.8%
26.7%

58617 83117 210856 30.30%

25.52

CASA Deposits
Term Deposits CASA Ratio CASA Per Branch

166390 29.85%
22.41

---

22% Growth in CASA

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CREDIT FOCUS
Amt. in ` Crore

March11
Priority Sector Credit Agriculture Credit MSME Advances Retail Lending Housing Infrastructure Advances Industrial Advances

March10
59310 25052 31074 23902 10116 25388 87504

Y-o-Y Gr 19.3% 18.4% 21.3% 32.1% 50.4% 36.7% 35.2%

70757 29656 37684 31572

15219
34702 118281

Well Diversified Credit Portfolio

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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

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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
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PRODUCTIVITY RATIOS March11 March10 Business per Employee (` Crore) Business per Branch (` Crore)
Gross Profit per Employee (` Lakh)
Net Profit per Employee (` Lakh)

12.28 155.49 14.81 9.76

9.83 132.63 12.28 7.36

Jump in Business Per Employee and Business Per Branch

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INVESTMENT PORTFOLIO
Amt. in ` Crore

March11
Net Investments (Domestic)

March10
69114
54516 (78.9%) 14182 (20.5%) 416 (0.6%)

83208
61127

Held to Maturity

(73.5%) 21830

Available for Sale

(26.2%) 251

Held for Trading

(0.30%)

Figures in the brackets are percentage shares in total Mar11

SLR Portfolio Non SLR Portfolio
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Mar10 63175 (91.2%) 6089 (8.8%)

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71485 (85.7%) 11959 (14.3%)

DURATION OF INVESTMENT PORTFOLIO

Duration of AFS book and Total Investment book

Details

Mar11

Mar10 2.04 yrs 5.87 yrs

Duration of AFS Book

Duration of HTM Book Duration of Total Investment Book

2.35 yrs 5.87 yrs

4.95 yrs

5.17 yrs

Modified Duration of AFS book and Total Investment book

Details
Modified duration of AFS Book Modified duration of HTM Book Modified duration of Total Investment Book
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Mar11
2.23 yrs 5.64 yrs 4.75 yrs

Mar10
1.93 Yrs 5.65 Yrs 4.97 Yrs

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ASSET QUALITY
March11
Gross NPA (` Crore)
Gross NPA Ratio (%)

March10 2590

3089
1.45

1.52
1800

Net NPA (` Crore)

Net NPA Ratio (%)

2347
1.11

1.06

Provision Coverage Ratio at 72.99% Record Cash Recovery at `2032 crore

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Movement of NPA
Amt. in ` Crore

Mar11
Opening Balance Fresh Slippages (+) Upgradation (-)

Mar10
2168 3266 866

2590 3508 889

Cash Recovery (-)

Write-off (-) Closing Balance

1625
495 3089

1094
884 2590

Implemented System Driven NPA Classification for A/Cs above ` 10 lakh

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Sectoral NPA
Amt. in ` Crore

Mar 11
Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Non-Priority Segments Total
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Mar 10 394 462 567 102 299 766 2590

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555 663 474 135 300 962 3089

Amount Restructured During Q4 FY11

Amt. in ` Crore

No. of Accounts
Agriculture

Amount 9.0

42

MSME
Housing Large Advances Others Total

17
7 4 172 242 101 restructured accounts from Agriculture Slipped during Q4, amounting to ` 1 crore

7.4
0.2 16.3 124.6 157.5

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Total Amount under Restructured Accounts As on Mar11 Amt. in ` Crore

No. of Accounts
Agriculture MSME Housing Large Advances Others Total

Amount 600 705

40965 4546

11086
2720 35107

528
4917 1328

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

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COMFORTABLE CAPITAL POSITION

CRAR of 15.38% at Mar11 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

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CAPITAL ADEQUACY Basel II

16% 14% 12%

Tier I capit al

Tier 2 capit al

6.33%
10% 8%

6.24%

6.09%

4.51% 4.89%
9.0% Minimum Total CRAR

10.87%
6%

7.17%
4% 2% 0%
M ar.07

7.01%

8.01%

8.54%

6.0% Minimum Tier I CRAR

M ar.08

M ar.09

M ar.10

M ar.11

Total CRAR %

13.50%

13.25%*

14.10*

13.43*

15.38%*

* Mar08 onwards - as per Basel II

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Beyond Numbers

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Page 39

EXPANDING THE REACH March11

Branch Network ATM Strength Card Base (In Lakh) 3257 2216 59.69 Strategic Initiatives

March10
3046 2017 49.96

Y-o-Y Incr
211 199 9.73

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
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DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION - ON 19th Nov 2010

Inauguration of 100 branches and ATMs across India by Honble Union Finance Minister in New Delhi
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EXPANDED CLIENTELE BASE

(In Lakhs)

March11 March10 Clientele Base

- No of Deposit A/Cs

Y-o-Y Incr
14

387 342

373

329

13

- No of Borrowal A/Cs

45

45

3.87 crore strong clientele base

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Page 42

INFOTECH PROGRESS March11

Core Banking Branches

All Branches All Branches All Branches

Internet Banking Branches NEFT and RTGS

100% Business under Core Banking Branches

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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
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Page 44

GOALS FOR FY12

Aiming at a Total Business of ` 6.25 lakh crore by Mar12 ` 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

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