canara bank presentation nov2010

November 2010

TOGETHER WE CANo e be 0 0

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DISCLAIMERDISCLAIMER

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This presentation contains statements that constitute forward-looking statements. These statements include descriptions regarding the intent, belief or current expectations of the Bank or its directors and officers with respect to the results of operations and financial condition of the Bank. These statements can be recognized by the use of words such as “expects,” “plans,” “will,” “estimates,” “projects,” or other words of similar meaning. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such f d l ki t t t lt f i f t d ti hi h th B k b li t b bl i li ht f it ti i iforward-looking statements as a result of various factors and assumptions which the Bank believes to be reasonable in light of its operating experience in recent years. The Bank does not undertake to revise any forward-looking statement that may be made from time to time by or on behalf of the Bank.

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CANARA BANK AT A GLANCECANARA BANK AT A GLANCE

3rd largest public sector bank in terms of domestic business

Among the top 5 public sector banks in terms of assets

6 months ending Sep 2010 INR bn US$mm

Net-interest income 37 3 829Among the top 5 public sector banks in terms of assets

Consistent track record of profitability since establishment 105 years ago

Leading lender to the infrastr ct re sector benefitting from

Net interest income 37.3 829

Net profit 20.2 449

Total assets 2,828 62,836

Net advances 1,761 39,127Leading lender to the infrastructure sector benefitting from India’s economic growth

Pan-India network of over 3,000 branches and over 2,000 ATMs serving over 37 million clients

Net advances 1,761 39,127

Total deposits 2,492 55,375

Total equity 167 3,707

Market Cap (Nov 17, 2010) 319 7,098 g

Technology focused bank with 100% coverage of branches under Core Banking System

Subsidiaries, joint ventures and associates in non-traditional

a et Cap ( o , 0 0) 3 9 ,098

Key ratios

Net-Interest margin 3.16%

Cost/Income ratio 41 6%, jbanking, including insurance and asset management

One of the highest Government shareholding amongst public sector banks at 73.2%1

Cost/Income ratio 41.6%

Net NPA ratio 1.06%

Tier I ratio 8.82%

Return on avg assets 1 52%

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Source: Company filingsNote: US$1:INR45; 1 As of September 2010

Return on avg. assets 1.52%

Return on equity 29.8%

BUSINESS PROFILEBUSINESS PROFILE

Corporate SME Retail Oth B iCorporateBanking

SMEBanking

RetailBanking Other Businesses

Full service offering to large and mid i d i

Comprises mainly of priority sector lending

ll l

Includes housing, vehicle, personal and

d i l lf

Agricultural lending and consultancy

isized corporations across India including project and corporate finance, working capital, short-term

to small-scale industriesOver 445,950 customers serviced through 42

education loans, self-employed and corporate employee loans, deposits, credit and debit

services, international banking, bancassurance, sale of mutual fund products, depositarycapital, short term

credit, cash management and treasury productsInfrastructure loans1

through 42 specialized branches and 15 centralized processing centersPriority sector loans

credit and debit cards, and services to non-resident IndiansHousing loans

products, depositary participant services, merchant banking and executor, trustee and taxation related

witnessed 63.4% y-o-y growth to reach INR395bn as of Sep 2010

ywere INR259bn and non-priority sector loans were INR69bn as of Sep 2010

witnessed y-o-y growth at 41.8% and constitute 44.8% of retail loan book

services

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1 30% of which are short term in nature

KEY SUBSIDIARIES AND ASSOCIATESKEY SUBSIDIARIES AND ASSOCIATES

Factoring Can Fin HomesInsurance Asset Management Factoring Can Fin Homes

One of the leading factoring companies in India in terms of

Engaged in housing finance, listed on BSE with market

Insurance

Joint venture with HSBC Insurance and Oriental Bank of

Asset Management

Joint venture with the Netherlands based Robeco Groep N.V., a

total turnoverBusiness turnover at INR37.4bn for FY10 and INR18.6bn for 6 months ended Sep

capitalization of INR2.8bn1

Canara Bank holds 42.4% stakeServices more than

CommerceAmong the top ten of 22 private life insurers in FY10 in terms of new business

subsidiary of Rabobank, which holds 49% stakeAuM of INR77.2bn as p

2010Also provides other services, such as invoice discounting and export factoring

Services more than 175,000 families2

Cumulatively sanctioned housing finance of INR62bn

ith di b t

premiumsFastest to receive INR10bn (in 23 months) of weighted new business

of Sep 2010Reached break even with net profit of INR62.3mm for FY10

Other subsidiaries, associates and joint ventures include Canara Bank Securities, Canbank Financial Services, Canbank Venture Capital, Commercial Bank of India LLC, CARE India Ltd., Commonwealth Trust (India) Ltd. and Canbank Computer S i

and export factoring with disbursements above INR53bn2

new business premiums

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Services

Source: Company filings; Note: FY indicates fiscal year ended March 31st; BSE indicates Bombay Stock Exchange; 1 As of November 17, 2010 2 As of year ended March 31, 2010

CANARA BANK: KEY STRENGTHSCANARA BANK: KEY STRENGTHS

Delivering balance sheet growth without compromising margins 2

Reputation as a customer centric bank1

Thrust on asset quality3

Pan-India presence with focus on developed regions of India4 Pan India presence with focus on developed regions of India

Emphasis on cost control and productivity5

Benefitting from significant investment in technology6

4

Benefitting from significant investment in technology6

Diversified sources of income through increased initiatives7

Insulated investment profile with consistent yields8

Sound capital position and high government ownership9

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Profitable since inception with meaningful returns to stakeholders10

CUSTOMER CENTRIC BANKCUSTOMER CENTRIC BANK

Emphasis on customer serviceSpecialized touch points for each customer category

Customers (mm)132 specialized service branches

10 prime corporate branches, 3 stock

exchange branches17 overseas branches

32.4 34.8 37.3 37.5

20.030.040.050.0

exchange branches,7 asset recovery

management branches

branches, 10 agri-finance

branches

Customertouchpoints

0.010.0

FY08 FY09 FY10 H1FY11

Key initiatives

33 extension counters to service retail depositors at

places such as factories or

3 capital markets branches, 3 Mahila banking branches

points y

‘Best in class’ counter service

Superior customer relationship management

Marketing through well trained front office staff and a strong ‘feet on street’ sales forcefactories or

universities

1 consumer finance branch and 1 housing finance branch

strong feet on street sales force

Continuous efforts to build brand awareness

S C

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Source: Company

DELIVERING BALANCE SHEET GROWTH…DELIVERING BALANCE SHEET GROWTH…High proportion of deposits in funding mix

2,4922 3472 5003,000Deposits (INR bn)

Steady growth in advances

3,000Advances (INRbn)

2,3471,869

1,541

5001,0001,5002,0002,500

1,0721,382

1,693 1,761

5001,0001,5002,0002,500

Increasing emphasis on CASA deposits

0FY08 FY09 FY10 H1FY11

Source: Company filings; Note: FY indicates fiscal year ended March 31st



Corporate lending remains key

Savings 22%Retail

13%

Agriculture 11%

Others 1%

Current7%

Fixed 71%

SME15%

Corporate 60%

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Total = INR2,492bnSource: Company filingsNote: Current and savings accounts (“CASA”) account for 30% of domestic deposits

Total = INR1,761bnSource: Company filings

…WITHOUT COMPROMISING MARGINS …WITHOUT COMPROMISING MARGINS Strong growth in net interest income … … and increasing NIMs (%)

56 860 0 3 5%

INR bn

35 4

47.2

56.8

37.340.0

50.0

60.0

2.42%

2.78% 2.80%

3.16%

2.5%

3.0%

3.5%

35.4

20.0

30.0

1.0%

1.5%

2.0%

0.0

10.0

FY08 FY09 FY10 H1FY110.0%

0.5%



Savings campaigns to emphasize retail businessIncreased emphasis on low-cost CASA deposits


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Base rate regime protects margins

THRUST ON ASSET QUALITYTHRUST ON ASSET QUALITY… with decreasing ratios

2.0% Gross NPL Ratio Net NPL Ratio

Non-performing assets remain manageable …

40.0 Gross NPLs Net NPLs (INR bn)

1.18%

1.56% 1.52% 1.49%

1.06%1.06%1.09%1.2%

1.6%

21.7

25.9 26.430.0

0.84%

0 4%

0.8%15.112.7

18.618.0

9.010.0

20.0

0.0%

0.4%

FY08 FY09 FY10 H1FY110.0


One of the highest provision coverage ratios amongst public sector banks at 77.1% as of Sep 2010Minimal exposure to commercial real estate, microfinance and capital markets

Source: Company filings; Note: FY indicates fiscal year ended March 31st Source: Company filings; Note: FY indicates fiscal year ended March 31st

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p , pFocus on recoveries through asset recovery branches, Can Adalats and Lok AdalatsRobust credit approval and risk management policies

PAN INDIA PRESENCEPAN INDIA PRESENCESignificant growth in branches1 and ATMs

Branches(Nos) ATMs(Nos)Jammu &

Kashmir (11) States with 100 or more branchesStates with 50 99 branches

Well spread network of branches

2,679 2,733

3,047 3,066

2 500

3,000

3,500

Arunachal Pradesh

A (21)

Himachal Pradesh(19)

Sikkim (2)Uttar Pradesh

Delhi (124)

Punjab (119)Haryana

(90)

Uttarkhand(30)

Chandigarh (14)

States with 50-99 branchesStates with <50 branches

Figures in ( ) indicate # of branches

2,006 2,019 2,017 2,017

1,500

2,000

2,500 Assam (21)

Gujarat (66)

M h ht

ManipurMeghalaya

(3)

Mizoram

Nagaland

Orissa(53)

Rajasthan (44)

Tripura (2)WestBengal

(93)

(232) Bihar (100)

Madhya Pradesh(51) Chattisgarh

(11)

Jharkhand(55)

500

1,000

Goa (25)

Karnataka

Maharashtra(232)

( )

AndhraPradesh (213)

Dadra & Nagar Haveli

(2)



1 Includes overseas branches

Karnataka(619)

Kerala(281)

Tamilnadu(544)

Pondicherry (5)

Lakshadweep

Andaman and Nicobar Islands (1)

Thrust on organic growth

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g gFocus on alternate channels such as internet bankingPlans to expand ATM network Launch of mobile banking shortly

COST CONTROL AND PRODUCTIVITYCOST CONTROL AND PRODUCTIVITYOne of the most efficient … … and productive public sector banks

Cost to income ratio (%) Business per branch Profit per employeeINR mm INR mm

48.5%

43.6%45.0%

50.0%

78

98106

100

120

1.0

1.2

40.7%41.6%

40.0%61

78

60

80

0.6

0.8

35.0%20

40

0.2

0.4

30.0%FY08 FY09 FY10 H1FY11

Source: Company filings; Note: FY indicates financial year ending March 31st


0.0

Source: Company filings; Note: FY indicates financial year ending March 31st; Business defined as sum of advances and deposits

Emphasis on hiring training and retaining top talent

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Emphasis on hiring, training and retaining top talentCentralized processing of back office functionsCost effective resource mobilization programControl on operating expenses

BENEFITTING FROM INVESTMENT IN TECHNOLOGYBENEFITTING FROM INVESTMENT IN TECHNOLOGY

100 % Core Banking System integrated with solutions such as:

Internet banking

Customer relationship management

Securities trading

Real Time Gross Settlement System and National Electronic Funds Transfer enabled at all branches

Data centre in Bangalore and a disaster recovery centre in Mumbai

Taken steps to initiate a data warehouse for credit risk managementmanagement

Aiming to have the best technology among public sector banks

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DIVERSIFIED SOURCES OF INCOMEDIVERSIFIED SOURCES OF INCOMEDelivering strong growth in non-interest income Non-interest income–breakdown (% as of H1FY11)

Fees Other incomeFees

Other 12.5%INR bn

25

30

35

40 56.5%

Profit from foreign exchange

Dividend income6.1%

22.1 23.1

28.6

11.7 12.2 14.0

10.4 10.914.6

5.35

10

15

20

Profit from sale of investments

13 0%

g gtransactions

11.8%12.3

7.00

5


13.0%

Total = INR12.3bn

Source: Company filings; Note: FY indicates fiscal year ended March 31st Source: Company filings

Cross selling of insurance, on-line trading services and mutual fund products through 2,596 branches

Increasing traditional fee based services – Transactional Banking, Letter of Credit, Guarantees, funds transfer etc

Increasing thrust on foreign exchange transaction related activities

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Increasing thrust on foreign exchange transaction related activities

INSULATED INVESTMENT PORTFOLIOINSULATED INVESTMENT PORTFOLIO

Stable yield profile

9.0%

Majority of investments in Government securities

6 months ended Sep 2010 INR

bn% of total

7.61%7.52%7.94%7.89%

6 0%

7.0%

8.0%Government securities 650 84.3%Shares 11 1.4%Debentures and bonds 21 2.8%Subsidiaries and/or joint ventures 5 0 7%

4.0%

5.0%

6.0%

Portfolio is not speculative in nature

Subsidiaries and/or joint ventures 5 0.7%Others 84 10.9%Total 772 100.0%

1 0%

2.0%

3.0%

p

6 months ended Sep 2010 INR

bn% of total

Held to maturity 614 79.6%A il bl f l 154 20 0%

0.0%

1.0%

FY08 FY09 FY10 H1FY11Source: Company filings; Note: FY indicates fiscal year ended March 31st

Available for sale 154 20.0%Held for trading 4 0.4%Total 772 100% Source: Company filings

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SOUND CAPITAL POSITIONSOUND CAPITAL POSITIONHealthy Tier 1 ratio Large government stake provides flexibility

8 0% 8.5% 8.8%10.0% Mutual Funds7.0%

8.0%

2.0%4.0%6.0%8.0%

Foreign

Insurance Companies

7%

& others 9%

Stable CAR

0.0%FY08 FY09 FY10 H1FY11

Source: Company filings; Note: Financial year ending March 31st

InstitutionInvestors

11%

Stab e C

Government of India 73%13.3%

14.1%13.4%

13.9%

13 0%14.0%15.0%

10.0%11.0%12.0%13.0%


Not raised equity since IPO in November 2002

Low foreign institutional holding provides capital flexibility

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FY08 FY09 FY10 H1FY11Proposed Basel III norms require banks to enhance core capitalSource: Company filings; Note: Financial year ending March 31st

DELIVERED MEANINGFULDELIVERED MEANINGFULRETURNS TO SHAREHOLDERSRETURNS TO SHAREHOLDERS

Book value per share (INR) Earnings per share (INR)

245306 355

300400

5174

496080

¹202 245

0100200300


3851 49

0204060


Return on equity (%)Dividends per share (INR)

10.012.029 8%

40.0%8.0 8.0

2.04.06.08.0

10.0

19.1% 22.6%26.8% 29.8%

10.0%

20.0%

30.0%

0.0FY08 FY09 FY10

0.0%FY08 FY09 FY10 H1FY11

Profitable since inception

Delivered net profit of over Rs10bn per quarter for the last 2 quarters for the first time in the history of the Bank

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Delivered net profit of over Rs10bn per quarter for the last 2 quarters for the first time in the history of the BankSource: Company filings; Note: Financial year ending March 31st; 1 Not annualized

BUSINESS STRATEGYBUSINESS STRATEGY

Focus on leveraging technology for improved customer service and b i thbusiness growth

Reposition the Bank's brand to attract young generation through effective use of e- channels and branch transformation models

Focus on growth through expansion of domestic delivery channels

Increase international footprint and thereby enhance the share of overseas business in total business of the bankbusiness in total business of the bank

Greater thrust on improving fee based income through cross selling of financial products & services and through ancillary business

Leverage the Bank’s Subsidiaries to emerge as a Financial Super market

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INDIA: HIGH GROWTH ECONOMYINDIA: HIGH GROWTH ECONOMY

2 3202,6203,00010.0%12.0%

One of the fastest growing economies GDP per capita to double to US$ 2,620 by 2015

Real GDP growth (%)

1,340 1,5201,750

2,320

1,110

2,020

0500

1,0001,5002,0002,5008.5%

7.3%6.2%

5.2% 4.3% 3.9% 3.2%

0.0%2.0%4.0%6.0%8.0%

10.0%

High savings rate as a % of GDP

02009 2010 2011F 2012F 2013F 2014F 2015FChina India Brazil Malaysia Korea Thailand Russia South

Africa

Source: Moody’s country credit statistics, 2010Note: Data for India for year ending Mar 2011

Source: EIU; Note: Denotes year ended March

Steady increase in foreign reserves High savings rate as a % of GDP

30.8%34.0% 36.1% 34.3%35.6%

29.5%

25.0%30.0%35.0%40.0%

Steady c ease o e g ese es

145

259241

299

192200250300350US$ bn

0.0%5.0%

10.0%15.0%20.0%

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10

136145

050

100150200


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Source: Moody’s country credit statistics Source: Moody’s country credit statistics, 2010

INDIA: GROWTH UNDERPINNEDINDIA: GROWTH UNDERPINNEDBY STRONG FUNDAMENTALSBY STRONG FUNDAMENTALS

Increasing consuming/producing age group

years Population mn

654565+ 2000

2015

Increasing inflation rate (%)

12.6%

9.2%10 0%12.0%14.0%

372

819

65

361

604

Under 15

15 - 64

65+ 2015

4.2%7.0% 6.6%

3.6%

0.0%2.0%4.0%6.0%8.0%

10.0%

M 0 M 06 M 0 M 08 M 09 M 10

Source: Vision 2020, Planning Commission

Robust private consumption growth Increasing number of billion dollar companies

0 200 400 600 800 1000Source: Moody’s country credit statistics


200

250

> US$ 10 bn US$ 5 bn - US$ 10 bnUS$ 2 bn - US$ 5 bn US$ 1 bn - US$ 2 bn

1 190 1,3201,480

1,6501 500

2,000

Personal disposable income per head (US$)Private consumption per head (US$)

p p g g p

70 106 121 174 92 191 202

No. of companies in terms of market capitalisation

CAGR FY10 –FY15 11%

0

50100

150928 1,080 1,190 1,320

637 746 808 897 997 1,110

0

500

1,000

1,500

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Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-102009 2010 2011F 2012F 2013F 2014F

Source: FactsetNumber of companies with market capitalisation of US$ 1 bn or more

Sep-10

Source: EIU; Note: Denotes year ended March

INDIA BANKING SECTOR REMAINSINDIA BANKING SECTOR REMAINSUNDERPENETRATEDUNDERPENETRATED

… With room for further growth

0% %

Indian banking sector is growing exponentially…

928

50 000

Advances DepositsINRbn

Ad CAGR 21%

Domestic credit to GDP (%)

170

166

148%

138%

1%

140%

160%

180%

,009

70 32,4

48

40,6

32

33,2

01

44, 9

40,000

50,000 Advances CAGR–21%Deposits CAGR–20%

11

87%

59%

60%

80%

100%

120%

19,8

12 24,7

69 30,

26,9

7

5,16

8

3

21,6

47

20,000

30,000

5

34%

0%

20%

40%

60%15

0

10,000

0%

Kor

ea

Sou

th A

frica

Chi

na

Mal

ayas

ia

Thai

land

Indi

a

Bra

zil

Rus

sia

0

Mar

-06

Mar

-07

Mar

-08

Mar

-09

Mar

-10

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Source: Moody’s country credit statistics, 2010Note: Data for India as of Mar 2010

Source: RBI–Report on trends and progress in banking sector

SUMMARY FINANCIALSSUMMARY FINANCIALSProfit & Loss (INR mm)

H1FY11 H1FY10 FY10 FY09 FY08 H1FY11 H1FY10 FY10 FY09 FY08

Net Interest Income 37,311 26,052 56,805 47,178 35,378

Other Income 12 336 13 665 28 579 23 112 22 129Other Income 12,336 13,665 28,579 23,112 22,129

Operating Exp 20,656 17,212 34,776 30,652 27,913

Pre provisioning profits 28,991 22,505 50,608 39,638 29,594

Provisioning and tax 8,778 7,846 20,394 18,914 13,944

Net Profit 20,213 14,659 30,214 20,724 15,650

Source: Company filings; Note: FY indicates financial year ending March

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SUMMARY FINANCIALSSUMMARY FINANCIALSBalance Sheet (INR mm)

H1FY11 H1FY10 FY10 FY09 FY08Capital And Liabilities pCapital 4,100 4,100 4,100 4,100 4,100 Reserves and surplus 162,706 132,360 142,618 117,978 100,905 Deposits 2,491,865 2,051,625 2,346,514 1,868,925 1,540,724 B i 109 485 87 334 84 406 140 009 25 172Borrowings 109,485 87,334 84,406 140,009 25,172 Other liabilities and provisions 59,466 72,123 69,773 65,446 134,386 Total 2,827,622 2,347,542 2,647,411 2,196,458 1,805,287

Assets Cash & balances with RBI 177,866 137,746 157,195 100,368 133,648 Balances with banks, money at call etc. 53,369 34,066 39,338 66,230 44,726 Investments 771 835 650 039 696 770 577 769 498 116Investments 771,835 650,039 696,770 577,769 498,116 Advances 1,760,711 1,464,556 1,693,346 1,382,194 1,072,380 Fixed assets 28,278 28,709 28,594 29,295 29,169 Other assets 35,564 32,426 32,168 40,602 27,248

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Total 2,827,622 2,347,542 2,647,411 2,196,458 1,805,287 Source: Company filings; Note: FY indicates financial year ending March

CANARA BANK: KEY RATIOSCANARA BANK: KEY RATIOSAT A GLANCEAT A GLANCE

Financial highlights

H1FY11 FY10Net profit growth 37.9% 45.8%Net profit growth 37.9% 45.8%Net-interest income growth 43.2% 20.4%Net advances growth 20.2% 22.5%Total deposits growth 21.5% 25.6%Provisioning coverage ratio 77 1% 77 7%Provisioning coverage ratio 77.1% 77.7%Cost/Income ratio 41.6% 40.7%Gross NPA ratio 1.49% 1.52%Net NPA ratio 1.06% 1.06%Tier I ratio 8.82% 8.54%Net advances / total deposits 70.7% 72.2%Net-Interest margin 3.16% 2.80%Return on avg. assets 1.52% 1.30%Return on equity 29.8% 26.80%CAR 13.88% 13.43%CASA ratio 28.9% 29.9%


Note: Domestic CASA ratio at 30 1% as of Sep 10

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Note: Domestic CASA ratio at 30.1% as of Sep-10

canara bank presentation nov2010

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