CORPORATE PRESENTATION JANUARY 2017

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JANUARY 2017

PRIVATE & CONFIDENTIAL

AGENDA

JANUARY 2017

CANARA BANK OVERVIEW

KEY INVESTMENT HIGHLIGHTS

ASSET QUALITY

GROWTH STRATEGIES

PRIVATE & CONFIDENTIAL

DECADES OF HISTORY
1st position in MSE lending for
FY 14 & FY 15 by GoI

Indy Wood CSR Excellence

Award 2016 for outstanding
achievement under CSR

Best Bank under PMEGP, South

Zone in the field of Khadi and
Village industries for FY14 &
FY15

SKOCH Order of Merit Award

for initiatives under SME
Enablement, Financial Inclusion
and mWallet for FY 15

Dun & Bradstreet Banking

Award 2016 for the Best Bank
under PSL and Best Retail
growth performer among PSBs

National Award for excellence

in lending to Micro Enterprises
1st position in FY 14 and 2nd
position in FY 15

Core Banking
Solution
Foray into

implemented

Asset

in all domestic

Management

branches

and Life
2010

Insurance

8th overseas
branch at

through joint
ventures

2016

Dubai is
2008

inaugurated
Canara Bank

Listing through
Initial Public
Offer

Registration
of Canara
Hindu
Permanent
Fund Limited

Launching of a
New Brand

2006

Identity

1910

Renaming as
Canara Bank

(Tanzania)
Limited, a
wholly owned
subsidiary is

Nationalization
of the Bank

2002

1976
1906

2007

Centenary year

opened

of the Bank
Core Banking

1969

Inauguration
of 1000th
branch

Solution
implemented
in select

branches

111 Years of Celebrated History

JANUARY 2017

PRIVATE & CONFIDENTIAL

CANARA BANK OVERVIEW : H1 FY17 HIGHLIGHTS

Net Advances

Deposits

INR 3,274 bn

Net Interest Income

CET-1

INR 48 bn

8.25%

INR 4,843 bn

INR Bn

INR Bn

INR Bn

FY 2016

3,250

FY 2016

4,797

FY 2016

98

FY 2016

8.18%

FY 2015

3,303

FY 2015

4,737

FY 2015

97

FY 2015

7.37%

Non Interest Income

Net Profit

GNPA

INR 7 bn

9.81%

INR 35 bn
INR Bn

NNPA
6.69%

INR Bn

FY 2016

51

FY 2016

(26)

FY 2016

9.40%

FY 2016

6.42%

FY 2015

47

FY 2015

29

FY 2015

3.89%

FY 2015

2.65%

JANUARY 2017

PRIVATE & CONFIDENTIAL

CANARA BANK AT A GLANCE

Bank Overview

Shareholding Pattern As On December 31, 2016

One of the leading public sector commercial banks in India

0.5%

1.2%

7.9%

5.9%

Among the top 5 public sector banks in terms of assets as on

4.5%

March 31, 2016 as per the data published by Indian Banks

Association

13.7%
66.3%

One of the largest nationalized banks in India in terms of total

advances and deposits, which is Rs. 8,117.73 billion as of
September 30, 2016
Engaged in a wide variety of banking activities such as:

GoI

LIC of India

HDFC Trustee

FPIs

Reliance Life AMC

FIs/ Banks

Others

Presence Across the Value Chain

Corporate Lending Comprises a wide variety of

51.00%

100.00%

43.45%

69.14%

70.00%

100.00%

banking activities for large and medium corporations

Priority Sector and Retail Sector Lending Provides
funding to Priority & Retail sectors including loans to
agriculture, MSME, Housing & Education etc
51.00%

International Banking Caters to the financial

requirements of Indian exporters and importers
Other services Includes services such as asset
management, factoring, bancassurance etc
JANUARY 2017

Commercial Indo Bank

LLC (JV with SBI)

35.00%
Canara Bank Tanzania
Limited

100.00%

PRIVATE & CONFIDENTIAL

40.00%
35.00%

Commonwealth Trust
(India)

30.00%

AGENDA

JANUARY 2017

CANARA BANK OVERVIEW

KEY INVESTMENT HIGHLIGHTS

ASSET QUALITY

GROWTH STRATEGIES

PRIVATE & CONFIDENTIAL

KEY INVESTMENT HIGHLIGHTS

Strong Brand Recognition & Pan India Presence

Efficient Use Of Digital Technology

Diversified Credit Portfolio

Diversified Sources Of Income

Efficient Asset Liability Management

Experienced And Professional Management Team Backed By GoI

JANUARY 2017

PRIVATE & CONFIDENTIAL

STRONG BRAND RECOGNITION & PAN INDIA PRESENCE (1/2)

Pan India Network As On November 30, 2016

Domestic Branch Network

5,931
5,849

32/32
16/28

5,682

56/55

199/220

83/96

180/251
181/496
143/182

7/8

8/8
540/803

70/78
235/359

3/3

10/10
4/5

136/181
284/361

214/274

143/199

13/15
5/5

76/79

3/3

FY 16

As on Nov 30, 2016

Bank has 8 overseas branches in Johannesburg, New York, London,

Leicester, Shanghai, Manama, Hong Kong & Dubai
Bank has 182 hi-tech e-lounges in select branches with facilities like

169/210
1/1

FY 15

384/684

Cash Deposit Kiosk with voice guided system, Cheque deposit kiosk etc
165/361

Domestic ATM Network

54/82

266/401
974/2381

445/606

11/16
829/1814

Domestic Branches/ ATMs

5931/ 10,308

JANUARY 2017

8,533

9,251

FY 15

FY 16

10,308

2/2

PRIVATE & CONFIDENTIAL

As on Nov 30, 2016

STRONG BRAND RECOGNITION & PAN INDIA PRESENCE (2/2)

Branch Foothold In Rural And Semi-Urban Areas

17%

18%

20%

19%

29%

32%

32%

FY 15

20%

FY 16
19%

32%

31%

31%

Rural

Semi-Urban

As on Nov
30, 2016

Urban

Metro

Our extensive branch network allows us to provide banking services to different types of customers across India
We offer a full range of banking products and services including short-term and long-term deposits, secured and unsecured loans, internet banking, credit
cards, life insurance, merchant banking, agricultural banking products and project finance loans

Customer Base

Specialized Branches Focusing On Niche Areas

In Mn

76
72

66

SME Branches

166

Prime Corporate Branches

12

Mid-corporate Branches

26

Asset Recovery Management Branches

21

Others

62

Total
FY 15

JANUARY 2017

FY 16

As on Nov 30, 2016

287
As on Nov 30, 2016

PRIVATE & CONFIDENTIAL

10

EFFICIENT USE OF DIGITAL TECHNOLOGY (1/2)

Mobile Banking Customers

E-Transactions As A % Of Total Transactions

59.3%

In lakhs
39

40

FY 16

H1 FY17

54.2%
50.2%

22

FY 15

FY 16

H1 FY 17
FY 15

Banks emphasis on promoting digital technology has led to significant

increase in the number of e-transactions

Debit & Credit Cards Customers

Internet Banking Customers

In lakhs

In lakhs
24

322

26

343

256

15

FY 15

FY 16

H1 FY17

Credit and debit cards (global & domestic) issued in association with VISA,
Master Card and NPCI (only for debit cards)
FY 15

JANUARY 2017

FY 16

H1 FY17

Established network of 4,167 merchants and 10,309 ATMs as of November

30, 2016

PRIVATE & CONFIDENTIAL

11

EFFICIENT USE OF DIGITAL TECHNOLOGY (2/2)

Technology Driven Bank - Key Technology Initiatives

Digital Solutions

Mobile Based Solutions

Canara Swipe (Missed call solutions in single app)

Canara easyCash (cash withdrawal facility for migrant

eMpower (Banks UPI App)

population)

Canara Cart (Umbrella app - all mobile based apps)

eKYC for Biometric, Aadhaar based KYC Biometric

Canara mServe (Blocking/Unblocking of cards & other

access for lockers

services)

Online application for SB accounts & PPF accounts

Canara e-Infobook (e-Passbook) & Canara m-Wallet

Aadhaar number registration through online banking

SMS Solutions (Balance enquiry etc)

and ATMs

Data Security Initiatives

JANUARY 2017

Other Initiatives

Data Centre in Bangalore

Canara Geo Locate (Mobile app for locating branch

Disaster Recovery Centre in Mumbai to prevent and

and ATMs)

reduce business interruption and data loss in case of

Green Pin (Generation of ATM Pin by customers

disasters

themselves)

Near Site Disaster Recovery Centre in Bangalore to

Periodical conduct of Disaster Recovery drills to

achieve near zero data loss

ensure readiness to face any untoward events

PRIVATE & CONFIDENTIAL

12

DIVERSIFIED CREDIT PORTFOLIO (1/2)

Net Advances

Net Advances Profile*

Rs. Bn

3,303

54.4%

57.2%

58.1%

45.6%

42.8%

41.9%

FY 15

FY 16

H1 FY17

3,274
3,250

FY 15

FY 16

H1 FY17

Thrust On Growing Retail Book*

2.4%
2.6%
4.1%
5.7%

2.6%

2.7%

3.0%
4.2%

3.1%
4.2%

6.0%

6.6%

45.4%

20.7%

17.3%

16.4%

H1 FY17

FY 15

FY 16

H1 FY17

20.9%

17.3%

16.4%

17.2%

17.3%

38.3%

42.6%

FY 15

FY 16

20.7%
13.6%

Agriculture + MSME

* On a standalone basis

JANUARY 2017

Retail

RAM

Top 5 Industries Wise Gross Loan Portfolio*

23.0%

27.4%

Corporate

Infrastructure

Others

Infrastructure
Textile
Engineering

PRIVATE & CONFIDENTIAL

Basic Metal & Metal Products

Food Processing

13

DIVERSIFIED CREDIT PORTFOLIO (2/2)

Priority Sector Loans

Priority Sector Loans

Rs. Bn
49.3%

52.1%

40.9%

1,456

1,182

FY 15

FY 16

Total PSL

12.8%

11.8%

11.8%

37.4%

42.1%

41.2%

49.8%

46.2%

46.9%

FY 15

FY 16

H1 FY17

1,549

H1 FY17

Agriculture

PSL as a % of Adjusted Net Bank Credit

Retail Advances

MSME

Other Priority Sector

Retail Advances

Rs. Bn
16.7%

16.7%

13.3%

12.5%

13.5%

545

24.9%

22.3%

23.2%

8.0%

8.4%

52.8%

57.3%

54.9%

FY 15

FY 16

H1 FY17

12.8%
541
423

FY 15
Total Retail Loans

8.9%

FY 16

H1 FY17
Retail as a % of Total Loans

We deliver retail products through our Retail Asset Hubs and retail lending
marketing teams at major cities across India

JANUARY 2017

Housing

Vehicle

PRIVATE & CONFIDENTIAL

Personal

Education

14

DIVERSIFIED SOURCES OF INCOME (1/2)

Revenue From Different Business Segments

Non Interest Income As A % Of Total Income*

Rs. Bn

Rs. Bn
228
204
155

126

128

122

34
95

79

FY 15

14.0%

49

46

FY 16

Retail Banking Operations

65

9.4%

10.0%

FY 15

FY 16

H1 FY17
H1 F17

Wholesale Banking Operations

Non-Interest Income

Treasury Operations

Non Interest Income as a % to Total Income

Non Interest Income*

Other Income

Fee Income
Rs. Bn

Rs. Bn
20

18

11

12

10

FY 15

11

10

FY 16

Commission, Exchange & Brokerage

Service Charges

Total Fee Income

H1 FY17

FY 15
Treasury Income

FY16
Exchange Transactions Income

H1 FY17
Recoveries in w/o a/cs

* Standalone

JANUARY 2017

PRIVATE & CONFIDENTIAL

15

DIVERSIFIED SOURCES OF INCOME (2/2)

Third Party Products

Tie-ups

Tie up with Canara HSBC OBC Life Insurance and Canara Robeco Asset Management Company for cross selling
Tie up with United India Insurance to sell non-life insurance policies
Corporate Agency agreement with Apollo Munich Health Insurance for marketing of health insurance products
Corporate Agency agreement with Export Credit Guarantee Corporation for marketing of export policies

Depository
Participant Services

Serving as a Depository Participant of National Securities Depository Limited since 1997

Network of 47 DP service centres spread across 33 locations in India as of November 30, 2016

Government
Banking

Retail Selling of
Government
Securities

Agriculture
Innovation Centre

Food Credit

JANUARY 2017

Handle various government business products like direct and indirect tax collections, salary and pension payments etc
We market PPF scheme, pension accounts, e-transactions, e-payment of taxes and e-stamping business to improve
government business

We sell Government Securities on a retail basis through our branches

Value G-Secs at market prices declared by FIMMDAI for securities held in HFT and AFS categories

Agriculture Innovation Centre (AIC) is the first consultancy service centre for agriculture and related activities
AIC facilitates modernization of agriculture activities and businesses and appraises agriculture based projects
Since its establishment in 1988, AIC has appraised more than 1,670 projects with a project cost of Rs. 8,233 crores as
of November 30, 2016

One of the consortium members in extending food credit to Food Corporation of India
We play a significant role in safeguarding the interest of farmers and financing food credit through FCI

PRIVATE & CONFIDENTIAL

16

EFFICIENT ASSET LIABILITY MANAGEMENT

Deposit Profile Reducing Reliance On Bulk Deposits

Deposits
Rs. Bn
4,843
4,797
4,737

FY 15

6.0%

8.3%

4.7%
27.6%

25.5%

29.9%

35.9%

38.7%

24.0%

25.8%

27.2%

FY15

FY16

H1FY17

31.7%

FY 16

6.8%
1.8%

6.2%

CASA

H1 FY17

Retail TD

Bulk TD

CD

Overseas TD

Post demonetization CASA stands at 32.1% as of December 31, 2016

Liquidity Coverage Ratio

CASA Deposits
Rs. Bn
1,317

Financial Year

Minimum Requirement

Maintained
by Bank

1,235

CY 2015
FY 2015-16

1,135

H1 FY 2016-17
FY 15

JANUARY 2017

60%

FY 16

84.92%
CY 2016

70%

CY 2016

70%

99.74%

H1 FY17

PRIVATE & CONFIDENTIAL

17

EXPERIENCED AND PROFESSIONAL MANAGEMENT TEAM

BACKED BY GOI
T N Manoharan, Chairman

Rakesh Sharma, MD & CEO

Around two decades of experience in the banking industry

Chairman of the Committee on Education and Centre for Excellence
of South Asian Federation of Accountants for the year 2004
Conferred with the Padma Shri by the President of India in 2010

Over 30 years of experience in the Banking industry

Was associated with SBI as Chief General Manager and was the
head of mid-corporate accounts in the Andhra Pradesh region
Held the post of MD & CEO of Lakshmi Vilas Bank

Uma Shankar, RBI Nominee Director

Chief General Manager, Department of Currency Management, RBI
Acted as the Regional Director of RBI, Bangalore
Served on the boards of Corporation Bank and UCO Bank

Venkatachalam Ramakrishna Iyer, Shareholder Director

Retired Deputy Managing Director of State Bank of India
Nominee Director of SBI in Usha Martin Limited, Kolkata
Was the Nominee Director on the board of SBI General Insurance
Company Limited and SBI Global Factors Private Limited

Dina Bandhu Mohapatra, Executive Director

Has over 31 years of experience in various areas of banking
Was the head of Hong Kong and Singapore branches of the Bank of
India
Harideesh Kumar B, Executive Director
Over 38 years of experience working in banks across the country
Was in charge of Vijaya Banks regional offices at Chandigarh,
Bangalore and Delhi
Was the General Manager of Vijaya Banks Delhi region
Suchindra Misra, Government Nominee Director
Joint Secretary at the Department of Financial Services, Ministry of
Finance
Holds a Bachelors degree in Science and a Postgraduate Diploma in
Business Management in Marketing and Finance

Mahadev Nagendra Rao, Shareholder Director

Retired Deputy Managing Director of the State Bank of India
Worked as the MD & CEO of SBI Life Insurance Company Limited
Independent director of IDBI Federal Life Insurance Company

Capital Infusion By Government Of India

Rs. Bn

9.5

5.0

P V Bharathi, Executive Director

Over 30 years of banking experience
Certified associate of the Indian Institute of Bankers
Member of the Board of Directors of Canbank Venture Capital Ltd.,
Can Fin Homes Ltd., Canara HSBC OBC Life Insurance Co Ltd.
Krishnamurthy H, Shareholder Director
Chief Research Scientist at the Indian Institute of Science, Bengaluru
Holds a Masters degree in Engineering
Keen interest in banking technologies

JANUARY 2017

Infusion
Price (Rs.)

5.7

FY 14

FY 15

FY 16

273.84

408.95

340.72

PRIVATE & CONFIDENTIAL

18

AGENDA

JANUARY 2017

CANARA BANK OVERVIEW

KEY INVESTMENT HIGHLIGHTS

ASSET QUALITY

GROWTH STRATEGIES

PRIVATE & CONFIDENTIAL

19

ASSET QUALITY OVERVIEW (1/2)

GNPA & NNPA

Cash Recoveries
Rs. Bn

60

9.8%

9.4%

6.4%

48

3.9%
2.7%

FY 15

FY 16
GNPA

20

6.7%

H1 FY17

NNPA

Outstanding Restructured Asset Portfolio

FY 15
FY 16
H1 FY17
We have taken several initiatives to contain slippages and increase
recoveries as mentioned below:
Identification of stressed a/cs for restructuring in time
One Time Settlement sessions
Regular follow-up of overdues in loan a/cs
E-auction for the sale of seized assets and stringent recovery
measures against willful defaulters

Sector Wise Restructured Assets

Rs. Bn

3.2%

2.0%

1.8%

89.8%

89.2%

90.0%

7.0%

8.8%

8.2%

FY 15

FY 16

H1 FY17

284
232

234

8.5%
6.9%

FY 15
Restructured assets

FY 16

6.9%

H1 FY17

Restructured assets as a % of gross advances

Agri + MSME

Large Advances

Others

Others includes restructured Housing Loans also

JANUARY 2017

PRIVATE & CONFIDENTIAL

20

ASSET QUALITY OVERVIEW (2/2)

Sector Wise NPA Slippages As A % To Total Slippages
Stabilizing Slippages Ratio
Fiscal Year

38%

7%

FY 15

108.7

FY 16

247.2

9M FY17

85.5

17%

18%

Total Slippages (in

Rs. bn)

25%

27%

4%

FY 16

FY 15
21%

9M FY17

5%

58%

44%

37%

Large Industries

Agri + MSME

Medium Industries

Others

Sector Wise NPA Outstanding As A % To Total NPA

Fiscal Year
FY 15

Total NPA
outstanding (in
Rs. bn)

17%

15%
5%

6%

FY 15

130.4

17%
4%

45%

FY 16

9M FY17
57%

22%

FY 16

316.4

9M FY17

343.4

24%

34%

Large Industries

JANUARY 2017

55%

Agri + MSME

Medium Industries

PRIVATE & CONFIDENTIAL

Others

21

AGENDA

JANUARY 2017

CANARA BANK OVERVIEW

KEY INVESTMENT HIGHLIGHTS

ASSET QUALITY

GROWTH STRATEGIES

PRIVATE & CONFIDENTIAL

22

FUTURE GROWTH STRATEGIES

8

Divestment In Non-Core Business

Geographical Presence

Focus on divestment in non-core businesses

Bank has proposed to divest 13.45% stake in Can

Fin Homes and entire 70% stake in Canbank
Factors

Leverage domestic
expansion

Leverage Lead Bank status and brand recall to

expand domestic presence

Capital Efficiency & Profit Maximization

Implement
robust
risk
architecture and sound risk
systems

Deloitte to assist in the implementation of an

Enterprise-wide Integrated Risk Management
Framework

links

for

Asset Quality & Cash Recoveries

management
management

Mission Samadhan: Conduct recovery meets/

Adalats/ Mega Adalats

4 levels of control mechanism starting branch,

RO, Circle Office to HO

Separate division for Asset recovery branches

Technology Driven Approach

international

CASA Deposits & Credit Portfolio

Leverage on technology to maximise efficiency in

operations

Increased focus on marketing campaigns to

increase CASA to reduce cost of funds

Focus on transforming the Bank into a

knowledge based, customer-centric bank

Increased focus on retail loan portfolio in

agriculture, MSME, Housing and Vehicle

JANUARY 2017

Branch Transformation
Implemented Project Shikhar with the aim of
making the Bank more Responsive, Accessible,
Convenient and Energized
Branches are given different star ratings based on
ATM hits, CASA %, Fee income growth, etransactions etc

Fee Based Income

Increase fee income by introducing new

products and cross sell offerings

Focus on bancassurance, cross-selling of mutual

fund products, loan syndication among others

PRIVATE & CONFIDENTIAL

23

THANK YOU

ANNEXURES

CONSOLIDATED FINANCIALS
Balance Sheet Summary
In Rs. million
FY15

FY16

H1 FY17

Cash & Balances with RBI

219,768

206,650

205,351

Balances with Bank & Money at

Call & Short Notice

266,708

360,787

428,609

Investments

1,521,217

1,524,698

1,522,588

Advances

3,302,939

3,249,924

3,274,351

Fixed Assets

69,699

72,058

7,1745

Other Assets

205,244

223,132

235,463

Total Assets

5,585,575

5,637,249

5,738,108

4,752

5,429

5,429

320,165

318,667

324,821

4,737,249

4,797,489

4,843,383

Borrowings

25,7628

269,634

255,868

Other Liabilities and Provisions

261,994

241,537

303,989

5,585,575

5,637,249

5,738,108

Paid-up Capital
Reserves & Surplus
Deposits

Total Liabilities

JANUARY 2017

PRIVATE & CONFIDENTIAL

26

CONSOLIDATED FINANCIALS
Profit & Loss Account Summary
In Rs. million
FY15

FY16

H1 FY17

Interest Earned

438,134

44,039

206,363

Interest Expended

341,331

342,629

188,693

Net Interest Income

96,802

97,765

17,670

Other Income

47,334

51,313

34,477

Operating Income

144,137

149,078

52,147

Operating Expenses

72,660

75,919

41,897

Operating Profit

29,310

(25,351)

40,250

Net Profit

28,647

(26,070)

7,126

FY15

FY16

H1 FY17

Earnings Per Share (Basic)

62.1

(46.7)

13.1

Earnings Per Share (Diluted)

62.1

(46.7)

13.1

Return on Net Worth

10.6%

(9.7)%

5.2%

Return on Assets

0.6%

(0.5)%

0.3%

Net Asset Value Per Share (in Rs.)

584

510

501

CRAR

10.6%

11.1%

12.2%

Tier 1 Ratio

8.0%

8.8%

8.9%

Key Ratios

JANUARY 2017

PRIVATE & CONFIDENTIAL

27