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PERFORMANCE HIGHLIGHTS

PERFORMANCE HIGHLIGHTS. June 2010. Major Highlights. Major Highlights. TOTAL BUSINESS. CAGR at 24.4%. Total Business added Rs.78324 Crore Y.o.Y 55% Growth in 2 Years. TOTAL DEPOSITS. CAGR at 23.7%. 53% Growth in 2 Years. NET ADVANCES. CAGR at 25.5%. 58% Growth in 2 Years.

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PERFORMANCE HIGHLIGHTS

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  1. PERFORMANCE HIGHLIGHTS June 2010

  2. Major Highlights

  3. Major Highlights

  4. TOTAL BUSINESS CAGR at 24.4% Total Business added Rs.78324 Crore Y.o.Y 55% Growth in 2 Years

  5. TOTAL DEPOSITS CAGR at 23.7% 53% Growth in 2 Years

  6. NET ADVANCES CAGR at 25.5% 58% Growth in 2 Years

  7. CONSISTENT PROFIT GROWTH NET PROFT CAGR at 187% Over Rs.1000 Cr Net Profit in a Single Quarter

  8. VALUE FOR STAKEHOLDERS Dividend ... Progressive Return for the Shareholders

  9. PERFORMANCE HIGHLIGHTSJune 2008 – June 2010 (Amt. in Rs. Crore)

  10. KEY PROFITABILITY RATIO: LAST 3 YEARS

  11. ROBUST PROFIT GROWTH

  12. INCOME GROWTH: Q1 FY 11 Amt. in Rs. Crore Robust Growth of 55% in Non-Interest Income

  13. EXPENDITURE GROWTH: Q1 FY 11 Amt. in Rs. Crore Favourable Cost-Income Ratio Below Benchmark Level

  14. NET INTEREST INCOME : Q1 FY 11 Amt. in Rs. Crore ROBUST GROWTH IN NET INTEREST INCOME SIGNIFICANT JUMP IN NIM BY 31 bps

  15. DECLINE IN COST-INCOME RATIO (%)

  16. PROFIT GROWTH : Q1 FY11 Amt. in Rs. Crore Buoyant Bottomline and Healthy Profitability Ratios

  17. 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 10 (Jun’09) Q1 FY11 (Jun’10)

  18. BREAK-UP OF OTHER INCOME Amt. in Rs. Crore

  19. MEASURES TO AUGMENTNON INTEREST INCOME

  20. EARNINGS PROFILE • The Bank continued to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year EPS for June Quarters (Not Annualized)

  21. SHARE HOLDING PATTERN As on June 30, 2010

  22. BUSINESS PROFILE Amt. in Rs. Crore Business Growth of Rs.78324 Crore Domestic Business Constituted 96.6%

  23. CASA DEPOSITS GROWTH Amt. in Rs. Crore 29% GROWTH IN CASA Highest CASA per Branch among Peers

  24. CREDIT FOCUS Amt. in Rs. Crore Well Diversified Credit Portfolio Focus on Productive Sectors

  25. PRIORITY SECTOR Amt. in Rs. Crore

  26. PIONEERING EDUCATION LOAN Number ONE amongst Nationalised Banks In Outstanding Education Loans

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

  28. PROFITABILITY RATIOS (In %) 79 bps Decline in Cost of Deposits

  29. PRODUCTIVITY RATIOS JUMP IN BUSINESS PER EMPLOYEE Highest Per Branch Business among Peers

  30. INVESTMENT PORTFOLIO Amt. in Rs. Crore Figures in the brackets are percentage shares in total

  31. ASSET QUALITY Provision Coverage Ratio at 78.01%

  32. COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation

  33. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR 6.0% Minimum Tier I CRAR Total CRAR % 12.44* 13.25%* 14.10* 13.43* 13.50% * Mar’08 onwards - as per Basel II

  34. EXPANDING THE REACH

  35. 4th OVERSEAS BRANCH AT LEICESTER, UK C&MD Shri A.C Mahajan inaugurated the Branch on 12.04.2010 in presence of Lord Mayor of Leicester.

  36. REPRESENTATIVE OFFICE AT SHARJAH, UAE C&MD Shri A.C Mahajan inaugurated the Rep Office at Sharjah on 20.06.2010 in the presence of His Excellency Shri M K Lokesh, Indian Ambassador to UAE.

  37. EXPANDED CLIENTELE BASE Over 37 million strong and growing clientele base 20 lakh Deposit Accounts Added

  38. INFOTECH PROGRESS 96% Business under Core Banking Solution 100% CBS before 31st July 2010

  39. NO.1 BANK IN KARNATAKA

  40. FUTURE PLANS

  41. THANK YOU

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