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PERFORMANCE HIGHLIGHTS

PERFORMANCE HIGHLIGHTS. DECEMBER 2010. Canara .. at a Glance. Pan India Presence. Hattrick - Over ` 1000 Cr Net Profit for 3 Consecutive Quarters. NET PROFIT. Highest Ever Profit for any Quarter. Major Highlights- Q3 (FY11). Major Highlights- Q3 (FY11). TOTAL BUSINESS. CAGR at 22.2%.

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PERFORMANCE HIGHLIGHTS

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  1. PERFORMANCE HIGHLIGHTS DECEMBER 2010

  2. Canara .. at a Glance Pan India Presence

  3. Hattrick- Over ` 1000 Cr Net Profit for 3 Consecutive Quarters NET PROFIT Highest Ever Profit for any Quarter

  4. Major Highlights- Q3 (FY11)

  5. Major Highlights- Q3 (FY11)

  6. TOTAL BUSINESS CAGR at 22.2% `96000 Crore Business Added Y.o.Y Growth at 27%

  7. TOTAL DEPOSITS CAGR at 22.8% Y.o.Y Growth at 25% Against SCBs’ Growth at 16.5%

  8. NET ADVANCES CAGR at 21.4% Y.o.Y Growth at 29% Against SCBs’ Growth at 24.4%

  9. NET PROFIT GROWTH- Q3 CAGR at 25.5% Stronger Bottomline

  10. PROFIT GROWTH : Q3 FY11 Amt. in ` Crore *Excluding One Time Profit on Sale of Investment and Write-back of Inv. Provisions during Q3 (FY10), Net Profit growth worked out to 120%

  11. PROFIT GROWTH : 9m FY11 Amt. in ` Crore Net profit for Nine Months in FY11 Exceeds Net Profit (`3021 cr) for entire 2009-10

  12. INCOME Amt. in ` Crore Excluding trading profit and one time income, growth in non-int. income works out to 10.5% for Q3 (FY11)

  13. EXPENDITURE Amt. in ` Crore Gratuity Liability Fully Provided

  14. EARNINGS PROFILE Amt. in ` Crore Robust Growth in Net Interest Income Steady Increase in NIM

  15. QUARTER ON QUARTER RISE IN NIM Steady Increase in NIM

  16. STRONGER RETURNS *Excluding one time Profit on sale of investments and write-back of inv. provisions, RoAA in Q3 (FY10) worked out to 0.88%

  17. BOOK VALUE Consistent Increase in Book Value

  18. EARNINGS PER SHARE EPS for Dec. Quarters (Not Annualized) Consistent Increase in EPS

  19. MAJOR COMPONENTS OF INCOME • Interest Income continues to drive growth in income …over 2/3rd of earnings from interest on advances/loans 9m FY11(Dec’10) 9m FY 10 (Dec’09)

  20. BREAK-UP OF OTHER INCOME Amt. in ` Crore

  21. MEASURES TO AUGMENTNON INTEREST INCOME

  22. BREAK-UP OF PROVISIONS Amt. in ` Crore

  23. TREND IN COST AND YIELD (%) Cost of Deposits Contained

  24. SHARE HOLDING PATTERN As on Dec.31, 2010

  25. BUSINESS PROFILE Amt. in ` Crore Robust Business Growth of `96000 Cr Domestic Business Constituted 96%

  26. CORE DEPOSITS GROWTH Amt. in ` Crore Strong CASA deposit Growth at over 27%

  27. CREDIT FOCUS Amt. in ` Crore Well Diversified Credit Portfolio

  28. PIONEERS IN EDUCATION LOAN Number ONE amongst Nationalized Banks In Outstanding Education Loans

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

  30. PRODUCTIVITY RATIOS Jump in Business Per Employee and Business Per Branch

  31. INVESTMENT PORTFOLIO Amt. in ` Crore Figures in the brackets are percentage shares in total

  32. DURATION OF INVESTMENT PORTFOLIO Duration of AFS book and Total Investment book (Years) Modified Duration of AFS book and Total Investment book (Years)

  33. ASSET QUALITY Provision Coverage Ratio at 75.91% Both Gross NPA and Net NPA Ratios Improve

  34. Movement of NPA Amt. in ` Crore Strict Control over Slippages and Robust Cash Recovery

  35. Sectoral NPA Amt. in ` Crore

  36. Amount Restructured During Q3 FY11 Amt. in ` Crore

  37. Slippages from Restructured Accounts During Q3 FY11 Amt. in ` Crore

  38. Total Amount under Restructured Accounts – Dec’10 Amt. in ` Crore Total Slippages out of the above - `654 Cr

  39. COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation

  40. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR 6.0% Minimum Tier I CRAR Total CRAR % 13.25% 14.10% 13.43% 13.02% As per Basel II

  41. EXPANDING THE REACH

  42. DEDICATING 100 BRANCHES AND 100 ATMS TO THE NATION - ON 19th Nov’ 2010 Inauguration of 100 branches and ATMs across India by Hon’ble Union Finance Minister in New Delhi

  43. EXPANDED CLIENTELE BASE Over 38 million strong clientele base

  44. OVERSEAS BRANCHES/OFFICES/JVS Rupee Drawing Arrangements:22 Exchange Houses & 18 Banks in the Middle East Managing 2 Exchange Houses; Al Razouki International Exchange Company, Dubai and Eastern Exchange Est., Qatar

  45. INFOTECH PROGRESS 100% Business under Core Banking Branches

  46. LAUNCH OF ASBA FACILITY & GIFT CARD Towards Enhancing the basket of Technology Products/Services

  47. FUTURE PLANS

  48. THANK YOU

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