Canara Bank · NSE:CANBK
Canara Bank — Q2 FY2019 Earnings Presentation
68 slides from Canara Bank's earnings presentation, Oct 31, 2018
Slide 1: Investor Presentation on Financial Results - 30.09.2018 (cover letter)
Ref:: MD&CEO:SD: 2484 /2485/11/12::2018 October 31 , 2018 The Vice President The Vice President The Bombay Stock Exchange Ltd. Listing Department Phiroze Jeejeebhoy Towers National Stock Exchange ofIndia Ltd Dalal Street, EXCHANGE PLAZA MUMBAI - 400 001 Bandra-Kurla Complex, Bandra [E] MUMBAI 400051
Slide 2: www.canarabank.com @canarabanktweet /canarabankofficial
www.canarabank.com @canarabanktweet /canarabankofficial
Slide 3: Agenda
Business Segment Performance Financial Highlights Asset Quality Capital Adequacy & Shareholding Business Strategy Page 2 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 4: Fundamental Strengths
Fundamental Strengths Contemporary and A Premier Bank with Diversified Asset Appealing Brand 112 Years of History Portfolio Equity Pan India Presence 8.48 Crore Clientele 6300 Banking Outlets Accounts & 9207 ATMs Focus on Retail Enhancing Digital Share of Non Interest Business- Banking Income to Tot
Slide 5: Highlights (1/2)
Highlights (1/2) Profitability Parameters Net profit for Q2FY19 at Rs 300 cr, up 15.38% y.o.y from Rs. 260 cr (Q2FY18). Gross profit at Rs 2327 cr (Q2 FY19), Rs 2480 cr in Q2 FY18. Gross Profit excluding treasury income up by 21% Net Interest Income up by 17.89% during Q2FY19 to Rs 3281 cr from Rs.
Slide 6: Highlights (2/2)
Highlights (2/2) Efficiency Parameters Cost of deposits came down by 18 bps to 5.52% from 5.70% last year. Yield on advances stood at 8.33%. NIM (Domestic) improved to 2.74% and NIM (Global) 2.53%. Return on Asset improved to 0.20% & Return on Equity improved to 4.93%. Cost to Income ratio stood at
Slide 7: Business Segment Performance
Business Segment Performance Page 6 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 8: Augmented Business Growth
Augmented Business Growth Rs lakh Crore Advances (net) Deposits Business 9.61 9.06 9.20 8.77 8.55 8.29 4.10 3.82 3.86 3.58 3.73 3.43 5.25 5.33 5.52 4.86 4.96 5.04 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 7 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 9: Performance Highlights – Global Business
Performance Highlights – Global Business Amt. in Rs. Crore y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’18 Growth (%) Deposits 496440 503888 524772 533274 551926 11.18 Advances (net) 358255 373123 381703 386253 409529 14.31 Business 854695 877011 906475 919526 961455 12.49 C-D Ratio(%) 72.16 74
Slide 10: Domestic Business Growth (% y.o.y)
Domestic Business Growth (% y.o.y) . Advances (net) Deposits Business 18.0% 15.1% 16.0% 11.9% 13.1% 12.2% 8.6% 9.0% 14.5% 11.6% 4.3% 6.9% 1.4% 3.4% -2.3% Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 9 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 11: Domestic and Overseas Business
Domestic and Overseas Business Amt. in Rs. Crore Domestic Business Parameters Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’18 y.o.y Gr. % Deposits 457698 465249 485994 500866 523947 14.47 Advances (net) 328669 342102 352519 362494 387864 18.01 Business 786367 807350 838513 863359 911811 15.95 C-D Ratio(%) 71.81
Slide 12: CASA Growth
CASA Growth Rs lakh Crore Saving Current CASA (%) Domestic 34.28% 33.83% 33.83% 33.14% 32.43% 32.34% 1.42 1.46 1.31 1.34 1.41 1.27 0.22 0.24 0.23 0.25 0.21 0.23 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 11 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 13: Segment Wise Deposits
Segment Wise Deposits Amt. in Rs. Crore y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’ 18 Growth (%) Total Deposits 496440 503888 524772 533274 551926 11.18 Current Deposits 23623 23245 24984 21185 23212 (1.74) Savings Deposits 131456 134341 142051 141466 146446 11.40 CASA Deposits 155080 157586
Slide 14: Robust Loan Growth (% y.o.y)
Robust Loan Growth (% y.o.y) Growth in advances (% y.o.y)- Sep'2018 35.2% 13.7% 11.6% 8.0% Retail Credit MSME Agriculture Corporate Page 13 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 15: Diversified Loan Portfolio
Diversified Loan Portfolio Amt. in Rs. Crore y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’18 Sep’18 Gr (%) Advances (Net) 358255 373123 381703 386253 409529 14.31 Total Priority 168750 175729 185626 187528 195659 15.95 Agriculture 78781 82036 84012 84884 87947 11.63 Other Priority 20057 20663 19516 195
Slide 16: Achievements under Mandated Targets – Priority Sector
Achievements under Mandated Targets – Priority Sector Achieved the mandated norms in respect of: Mandated Total Priority (53% to ANBC against 40% norm) Norms under Agriculture (21% to ANBC against 18% norm) Priority Sector Weaker Section (11% to ANBC against 10% norm) Credit to specified minority co
Slide 17: Performance Under Retail Advances
Performance Under Retail Advances Amt. in Rs. Crore y.o.y Type of Advances Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’ 18 Growth (%) Housing Loans (Direct) 25924 27412 28308 29734 31316 20.80 Vehicle loans 5783 6325 6739 6973 7637 32.06 Education loans 8298 8408 8438 8558 8855 6.71 Other Retail Loans 16266 18
Slide 18: Exposure - Infrastructure
Exposure - Infrastructure Amt. in Rs. Crore % Share y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’ 18 in Total Growth Adv % Roads 7624 7851 7807 7430 7558 1.85 -0.87 Ports 417 437 371 372 397 0.10 -4.80 Airports 1050 1083 1129 1192 1187 0.29 13.05 Power 29111 31378 31115 30499 29684 7.25 1.97 (G
Slide 19: Exposure – Power Sector & Aviation
Exposure – Power Sector & Aviation Amt. in Rs. Crore % Share y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’ 18 Sep’ 18 in Total Growth Adv % Power Generation 21323 22676 22425 21855 21257 5.19 -0.31 Power Transmission 1497 1397 1226 1213 1167 0.28 -22.04 Power Distribution 6292 7306 7464 7431 7260 1.77
Slide 20: Exposure to Other Sectors
Exposure to Other Sectors Amt. in Rs. Crore y.o.y Parameters Sep’17 Dec’17 Mar’18 Jun’18 Sep’18 Growth (%) Exposure To Capital Market Outstanding 1983 4087 4124 4190 4208 112.20 Exposure To NBFCs Total 26778 33225 37676 40961 46302 72.91 Out of which : HFCs 10649 12079 13508 17173 18553 74.22 Privat
Slide 21: Financial Highlights
Financial Highlights Page 20 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 22: Net Interest Income
Net Interest Income Rs Crore Total Interest Income Interest Expense NII 3883 3679 3281 2988 2713 2783 11360 11124 10775 10196 10223 10058 7482 7842 7275 7236 7477 7096 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY19 Page 21 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 23: Profitability
Profitability Rs Crore Operating Profit Net Profit 281 300 252 260 126 -4860 2831 2933 2472 2480 2327 1765 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 22 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 24: Net Interest Margin
Net Interest Margin % NIM – Global NIM – Domestic 2.75 2.74 2.64 2.65 2.60 2.56 2.52 2.53 2.42 2.39 2.34 2.34 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 23 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 25: Cost of Deposits & Yield on Advance
Cost of Deposits & Yield on Advance % Cost of Deposits Yield on Advances 8.46 8.54 8.32 8.33 8.21 8.12 5.83 5.70 5.59 5.60 5.52 5.49 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Page 24 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 26: Profitability- Q2FY19
Profitability- Q2FY19 Amt. in Rs. Crore y.o.y Q2 Q3 Q4 Q1 Q2 Parameters Growth FY18 FY18 FY18 FY19 FY19 (%) Total Income 11995 12341 11555 13192 12679 5.71 Total Expenses 9515 9510 9790 10260 10352 8.80 Operating Profit 2480 2831 1765 2933 2327 (6.17) Operating Profit 1914 2425 1698 2872 2320 21.21
Slide 27: Profitability- H1FY19
Profitability- H1FY19 Amt. in Rs. Crore H1 H1 y.o.y Parameters FY18 FY18 FY19 Growth (%) Total Income 24299 48195 25872 6.47 Total Expenses 19347 38647 20611 6.54 Operating Profit 4952 9548 5260 6.22 Operating Profit 3502 7625 5192 48.26 (Excl. Trading Profit) Provisions 4440 13770 4679 5.38 Net Pro
Slide 28: Break-up of Income – Q2FY19
Break-up of Income – Q2FY19 Amt. in Rs. Crore y.o.y Q2 Q3 Q4 Q1 Q2 Parameters Growth FY18 FY18 FY18 FY19 FY19 (%) Interest on Advances 7276 7319 7252 8326 8201 12.71 Int. on Investments 2595 2531 2552 2618 2720 4.80 Other Int. Income 187 924 419 415 203 8.39 Total Interest Income 10058 10775 10223 1
Slide 29: Break-up of Income – H1FY19
Break-up of Income – H1FY19 Amt. in Rs. Crore y.o.y H1 H1 Parameters FY18 Growth FY18 FY19 (%) Interest on Advances 14525 29096 16527 13.79 Int. on Investments 5328 10412 5338 0.18 Other Int. Income 401 1744 618 54.18 Total Interest Income 20254 41252 22483 11.01 Non - Interest Income 4045 6943 3388
Slide 30: Break-up of Expenditure – Q2FY19
Break-up of Expenditure – Q2FY19 Amt. in Rs. Crore y.o.y Q2 Q3 Q4 Q1 Q2 Parameters Growth FY18 FY18 FY18 FY19 FY19 (%) Interest Expenses 7275 7096 7236 7477 7842 7.80 Interest on Deposits 6827 6673 6716 6982 7348 7.63 Staff Expenses 1377 1408 1307 1517 1552 12.71 Other Op Exp 862 1006 1248 1266 957
Slide 31: Break-up of Expenditure – H1FY19
Break-up of Expenditure – H1FY19 Amt. in Rs. Crore H1 H1 y.o.y Parameters FY18 FY18 FY19 Growth (%) Interest Expenses 14757 29089 15319 3.81 Interest on Deposits 13747 27136 14329 4.23 Staff Expenses 2729 5444 3069 12.47 Other Op Exp 1860 4114 2223 19.51 Total Op Exp 4589 9558 5292 15.32 Total Expen
Slide 32: Break-up: Non-interest Income – Q2FY19
Break-up: Non-interest Income – Q2FY19 Amt. in Rs. Crore Q2 Q3 Q4 Q1 Q2 Y-o-Y Parameters FY18 FY18 FY18 FY19 FY19 Growth(%) Com & Exchange 313 277 243 346 310 (0.95) -Of which Bancassurance 40 44 46 43 42 5 Profit from Exch. Transactions 133 130 141 99 159 19.54 Rent – Lockers 4 3 3 95 4 0 Dividend
Slide 33: Break-up: Non-interest Income – H1FY19
Break-up: Non-interest Income – H1FY19 Amt. in Rs. Crore H1 H1 y.o.y Parameters FY18 FY18 FY19 Growth(%) Com & Exchange 680 1200 656 (3.52) -Of which Bancassurance 66 156 85 28.78 Profit from Exch. Transactions 267 538 258 (3.37) Rent – Lockers 92 98 99 7.61 Dividend Income 28 53 39 39.28 Recovery i
Slide 34: Break-up : Provisions – Q2FY19
Break-up : Provisions – Q2FY19 Amt. in Rs. Crore Provisions Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 NPAs 1950 1900 8763 2466 2403 Standard Assets (15) (19) 26 21 83 Provisions on 286 874 642 258 394 Investments Tax 63 32 (2451) 69 (807) Restructured & (64) (81) (356) (163) (45) Others Total Provision & 2
Slide 35: Break-up : Provisions – H1FY19
Break-up : Provisions – H1FY19 Amt. in Rs. Crore H1 H1 Provisions FY18 FY18 FY19 NPAs 4220 14883 4869 Standard Assets (2) 5 105 Provisions on 376 1892 652 Investments Tax 80 (2339) (738) Restructured & Others (234) (671) (209) Total Provision & 4440 13770 4679 Contingency Page 34 www.canarabank.com
Slide 36: Earnings Profile - Q2FY19
Earnings Profile - Q2FY19 Values In % Parameters Sep’17 Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 NIM – Domestic 2.60 2.64 2.65 2.75 2.74 NIM – Global 2.34 2.39 2.42 2.52 2.53 ROAA 0.18 0.15 (0.75) 0.19 0.20 ROE (Annualized) 3.75 3.14 (16.74) 4.83 4.93 Cost-Income Ratio 48.10 47.36 50.03 48.68 50.15 (Cumulativ
Slide 37: Cost and Yield Trends
Cost and Yield Trends Values In % Parameters Sep’17 Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Cost of Deposits 5.70 5.59 5.60 5.49 5.52 Cost of Funds 5.23 5.16 5.17 5.09 5.13 Yield on Advances 8.32 8.21 8.12 8.54 8.33 Yield on Funds 7.18 7.32 7.34 7.73 7.52 Yield on Investments 7.66 7.66 7.63 7.63 7.63 Page 36
Slide 38: Investment Classification
Investment Classification Amt. in Rs. Crore % Share % Share % Share Sep Mar Sep Parameters in Total in Total in Total 2017 2018 2018 Portfolio Portfolio Portfolio SLR 116966 85.25 119727 82.42 125358 81.88 Non SLR 20240 14.75 25541 17.58 27749 18.12 Total (Gross) 137205 100 145268 100 153107 100 Hel
Slide 39: Asset Quality
Asset Quality Page 38 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 40: Asset Quality
Asset Quality Rs Crore Net NPA Net NPA Ratio (%) 7.48 7.09 6.91 6.54 7.02 6.78 28542 26694 26778 24301 25166 25295 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Rs Crore Gross NPA Gross NPA Ratio (%) 11.84 10.56 11.05 10.56 10.51 10.38 47468 44660 45233 37658 39164 40312 Jun-17 Sep-17 Dec-17 Mar-18 Jun-
Slide 41: Asset Quality
Asset Quality Amt. in Rs. Crore Particulars Sep’17 Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Gross NPA 39164 40312 47468 44660 45233 Gross NPA Ratio (%) 10.51 10.38 11.84 11.05 10.56 Net NPA 25166 25295 28542 26694 26778 Net NPA Ratio (%) 7.02 6.78 7.48 6.91 6.54 Cash Recovery 2678 4205 6458 3537 5113 (cumulat
Slide 42: Gross NPA Movement (Global)
Gross NPA Movement (Global) Q–2 Q–3 Q – 4 2017-18 Q – 1 Q–2 PARTICULARS (Amt. in Rs. Crore) 2017-18 2017-18 2017-18 (Yearly) 2018-19 2018-19 Opening Gross NPA 37658 39164 40312 34202 47468 44660 Additions : 3367 2641 13242 24761 4205 3603 Out of which : i) Fresh Slippages 3312 2621 13208 24580 4015
Slide 43: NPA Composition
NPA Composition Amt. in Rs. Crore Parameters Sep’17 Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Gross Advances 372763 388518 400843 404328 428158 Sub-Standard 10539 8766 13865 12695 11928 Doubtful 28625 31546 33603 31965 33305 Loss Nil Nil Nil Nil Nil Provision Coverage 54.75 55.81 58.06 60.69 61.39 Ratio(%) Pag
Slide 44: Sector-wise NPA Slippages
Sector-wise NPA Slippages Amt. in Rs. Crore % to total Q2 Q3 Q4 Q1 Q2 Sector Slippages FY18 FY18 FY18 FY19 FY19 (Q-4) MSME 1126 807 879 1169 711 19.73 Agriculture 487 297 890 601 687 19.07 Other Priority Sector 156 111 170 366 176 4.88 Total Priority Sector 1769 1215 1939 2136 1574 43.68 Large Indus
Slide 45: Sector- Wise NPA Outstanding
Sector- Wise NPA Outstanding Amt. in Rs. Crore Sector Sep’17 Dec’17 Mar’ 18 Jun’18 Sep’18 MSME 8073 8243 8129 8384 8587 Agriculture 3368 3333 3851 4136 4233 Other Priority Segments 634 606 617 728 714 Large Industries 20883 21605 23300 19896 25320 Other Non-Priority Segments 6206 6525 11571 11516 63
Slide 46: Sectoral Contribution Of NPA
Sectoral Contribution Of NPA Amt. in Rs. Crore Particulars Sep’17 Dec’17 Mar’ 18 Jun’18 Sep’18 Gross Advances 372763 388518 400843 404328 428158 Gross NPA 39164 40312 47468 44660 45233 Gross NPA % 10.51 10.38 11.84 11.05 10.56 Total PS NPA% (to PS O/s) 7.16 6.93 6.79 7.06 6.92 Share of PS NPA to Gro
Slide 47: Exposure to NCLT Accounts
Exposure to NCLT Accounts Amt. in Rs. Crore No. of Amount of Amount of Parameters Accounts Exposure Provision made Accounts in 1st List of RBI 12 8885 5579 Accounts in 2nd List of RBI 16 5472 4198 No. of Amount of Parameters Accounts Exposure Accounts filed directly 5 1764 by Canara Bank Accounts fi
Slide 48: Restructured Assets
Restructured Assets Amt. in Rs. Crore Particulars Sep 2017 Mar 2018 Sep 2018 Gross Advances 372763 400843 428158 Restructured Assets 20381 18534 17702 % of Std. Restructured 2.06 0.92 0.95 Assets to total Advances % of Total Restructured 5.47 4.62 4.13 Assets to total Advances CDR 3768 3473 1285 % o
Slide 49: Sector Wise Cumulative Restructured Accounts
Sector Wise Cumulative Restructured Accounts Amt. in Rs. Crore Sector Sep 2017 Mar 2018 Sep 2018 Agriculture 244 209 183 MSME 1373 1336 1293 Housing Loans 136 115 96 Large Advance 18438 16684 15863 Others 190 190 267 Total 20381 18534 17702 Page 48 www.canarabank.com @canarabanktweet /canarabankoffi
Slide 50: Restructured Assets
Restructured Assets Amt. in Rs. Crore As on As on As on Particulars 30.09.2017 31.03.2018 30.09.2018 CDR 3768 3473 1285 NON CDR 16613 15061 16417 Total 20381 18534 17702 Re-structured during Q2FY19 – Rs 11 crore Page 49 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 51: Sector Wise Restructured Accounts
Sector Wise Restructured Accounts Amt. in Rs. Crore th Details of restructured Accounts As on 30 Sep 2018 Name of the Sector No. of A/cs Amt % to O/s Amt. Infrastructure (a+b+c+d+e) 95 7212 40.74 Of Which Power a (i+ii+iii+iv) 35 3390 19.15 State DISCOMS i 02 113 --- State Transmission ii 0 0 0 Stat
Slide 52: Capital Adequacy & Shareholding
Capital Adequacy & Shareholding Page 51 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 53: Capital Adequacy- Basel III
Capital Adequacy- Basel III 13.22% 12.45% 12.62% CRAR% Tier-II, 2.92 Tier-II, 2.95 Tier-II, 2.76 AT-I, 0.79 AT-I, 0.75 AT-I, 0.82 Tier I CET-I 10.30% CET-I 9.86% CET-I 9.50% 9.51 9.11 8.68 Sep'17 Mar'18 Sep'18 CRAR of 12.62 % vs 10.875% norm* CET1 ratio at 9.86 % vs. 7.375% norm* ( *including Ca
Slide 54: Capital Adequacy – Basel III
Capital Adequacy – Basel III Amt. in Rs. Crore Particulars Sep’17 Dec’17 Mar’18 Jun’18 Sep’ 18 Gross Advances 372763 388518 400843 404328 428158 RWAs 352178 354615 351698 358488 369098 RWAs/ Gross Adv (%) 94.48 91.27 87.74 88.66 86.21 Tier I Capital 33473 33954 36224 36291 36383 CET: 8.68% CET: 8.75
Slide 55: Shareholding Pattern
Shareholding Pattern As on Sep, 2018 Resident Individuals 3.8% Others 2.1% FIIs/FPIs Government 72.5 4.8% Mutual Funds 7.1% Insurance Companies 9.6 Insurance Companies Mutual Funds 7.1 9.6% FIIs/FPIs 4.8 Government 72.5% Resident Individuals 3.8 Others 2.1 Page 54 www.canarabank.com @canarabanktweet
Slide 56: Financial Inclusion
Financial Inclusion Progress Under Pradhan Mantri Jan Dhan yojana (PMJDY) Parameters Sep 17 Sep18 Accounts opened (Number in lakh) 66.90 69.24 Deposits (Rs. In Crore) 1839 2124 RuPay cards issued (Number in lakhs) 42.99 42.48 Aadhar Seeding under PMJDY (Number in lakhs) 37.43 41.87 Villages Covered
Slide 57: Customer-friendly Technology Initiatives in Q2 FY19
Customer-friendly Technology Initiatives in Q2 FY19 Following new functionalities in Internet Banking enabled : Request for new Debit Card. Single beneficiary list for IMPS/ NEFT / RTGS transactions. Standing Instruction execution for NEFT transactions. Corporate/ Retails customers can cus
Slide 58: Digital Branch - CANDI
Digital Branch - “CANDI” @ Bengaluru, Chennai, Delhi, Mumbai Another 17 planned during 2018-19 Page 57 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 59: Subsidiaries & JVs
Subsidiaries & JVs SUBSIDIARIES & JVs % STAKE SUBSIDIARIES & JVs % STAKE 51% 100% 100% 30% 51% 69% COMMERCIAL INDO BANK LLC (JOINT VENTURE WITH STATE BANK 40% OF INDIA) 70% 100% Canbank Financial Services Limited (CANFINA) 100% subsidiary-is confining its activities to legal matters Page 58 www.cana
Slide 60: Business Strategy
Business Strategy Page 59 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 61: Project Shikhar - Branch Transformation
Project Shikhar - Branch Transformation for better Customer Service & Business Growth Star Level No of branches 1 Star 341 2 Star 675 3 Star 161 4 Star 107 5 Star 264 Total 1548 Branch Transformation: Better Branch Layout & customer service for customer‟s delight Quality service delivery & reduction
Slide 62: Enhancing Digital Footprints
Enhancing Digital Footprints MB TRANSACTIONS MB CUSTOMERS (in Lakh) E- Transactions (%) 96 98 91 76 66 78.67 76.50 76.95 76.22 73.40 366 434 477 556 606 Sep 17 Dec 17 Mar 18 Jun 18 Sep 18 Sep 17 Dec 17 Mar 18 Jun 18 Sep 18 IB TRANSACTIONS IB CUSTOMERS (in Lakh) Number of ATMs 51 55 48 44 37 10339 97
Slide 63: Recovery & NPA Management
Recovery & NPA Management Recovery Meets / Cluster Adalats / Mega Adalats besides regular Recovery Camps at Branch / RO / Circle. One Time Settlement and follow up the settled accounts closely for recovery. Exclusive monitoring of Small Value NPAs (upto Rs.10 lakhs) & newly slipped accounts. Maximum
Slide 64: Expanding the Reach
Expanding the Reach Particulars Sep’ 17 Mar’ 18 Sep’ 18 Banking Outlet 6119 6212 6308 ATM Strength 10339 9395 9207 Debit Card (In Lakh) 381 430 457 E-Lounges 182 6300 Domestic Population group Sep’ 17 Mar’ 18 Sep’ 18 % to total Banking Outlet. Rural 1780 1809 1818 28.86 8 overseas branches Semi-Urba
Slide 65: Expanding the Reach
Expanding the Reach Domestic Banking Outlets / ATMs Jammu & Kashmir 6300 / 9207 Chandigarh 34 / 29 17 / 30 Himachal Pradesh 58 / 51 Arunachal Pradesh Punjab Uttarakhand 8/7 219 / 160 86 / 84 Haryana Delhi Assam 201 / 203 183 / 334 Sikkim 75 / 65 Rajasthan 9/8 Uttar Pradesh 159 / 157 Nagaland 589 / 7
Slide 66: Expanded Clientele Base
Expanded Clientele Base (In Lakhs) Y-o-Y Y-o-Y Sep’ 17 Mar’ 18 Sep’ 18 Increase Growth (%) 8.48 Clientele 805 827 848 43 5.34 crore Strong No. of Deposit Clientele A/cs 720 739 758 38 5.28 Accounts No. of Borrowal A/cs 85 88 90 5 5.88 43 lakhs Clientele accounts added y-o-y. Page 65 www.canarabank.c
Slide 67: Focus Areas - FY 2018-19
Focus Areas - FY 2018-19 Augmenting core operating profits from operations Accelerated NPA resolution Improving the Provision Coverage Ratio Thrust on Retail Business, Asset Quality & Efficiency Improving the CASA & Retail deposit ratios Goals Balanced growth in advances with proper mix of Retai
Slide 68: Thank You
Thank You Page 67 www.canarabank.com @canarabanktweet /canarabankofficial