Canara Bank · NSE:CANBK
Canara Bank — Q3 FY19 Earnings Presentation
68 slides from Canara Bank's earnings presentation, Jan 28, 2019
Slide 1: Cover letter to stock exchanges
A Canara Bank Ref:: MD&CEO:SD: 71 /72/11/12::2019 January 28 , 2019 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] MUM
Slide 2: Financial Results Q3 FY 19 Investor Presentation
Financial Results Q3 FY 19 Investor Presentation NSE: CANBK BSE: 532483 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 Focus on Retail Pan India Presence Business- 6307 Banking Outlets Retail Term Deposit at & 9004 ATMs 60.6% and Retail Assets at 59.3% Enhancing Digital Banking 8.59 Cror
Slide 5: Highlights (1/2)
Highlights (1/2) Profitability Parameters Net profit for Q3FY19 up by 152% Y.o.Y to Rs.318 Cr. (Q3FY18-Rs.126 Cr). Gross profit stood at Rs.2357 Cr in Q3 FY19 (Q3 FY18 -2831 Cr.) Net Interest Income increased by 3.7% to Rs.3814 Cr (Q3FY18 -Rs.3679 Cr) Aided by healthy growth in interest on advances
Slide 6: Highlights (2/2)
Highlights (2/2) Efficiency Parameters Cost of deposits stood at 5.60% against 5.59% last year. Yield on advances improved to 8.49% as against 8.21% last year. NIM (Domestic) improved to 2.85% and NIM (Global) 2.65%. Return on Asset improved to 0.20% Return on Equity improved to 5.01%. Cost to Incom
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 9.93 4.17 4.10 3.82 3.86 3.73 9.61 9.20 9.06 8.77 5.25 5.33 5.52 5.76 5.04 Dec-17 Mar-18 Jun-18 Sep-18 Dec-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 Growth Parameters Dec’17 Mar’18 Jun’ 18 Sep’18 Dec’18 Quantum (%) Deposits 503888 524772 533274 551926 575525 71637 14.22 Advances (Net) 373123 381703 386253 409529 417227 44104 11.82 Business 877010 906475 919526 961455 992752 115742
Slide 10: Domestic Business Growth (% Y.o.Y)
Domestic Business Growth (% Y.o.Y) . Domestic Business Growth (% Y.o.Y) Advances (net) Deposits Business 18.0 15.2 15.1 15.7 11.9 16.0 13.1 12.2 9.0 14.5 16.1 11.6 6.9 3.4 -2.3 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Page 9 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 11: Domestic and Overseas Business
Domestic and Overseas Business Amt. in Rs. Crore Domestic Business Y.o.Y Gr. Parameters Dec’17 Mar’18 Jun’ 18 Sep’18 Dec’18 % Deposits 465249 485994 500866 523947 540213 16.11 Advances (net) 342102 352519 362494 387864 394038 15.18 Business 807350 838513 863359 911811 934251 15.72 C-D Ratio(%) 73.53
Slide 12: CASA Growth
CASA Growth Rs lakh Crore Saving Current CASA (%) Domestic 32.23 33.83 34.28 32.43 32.34 1.42 1.46 1.50 1.34 1.41 0.23 0.25 0.21 0.23 0.25 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Page 11 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 13: Segment Wise Deposits
Segment Wise Deposits Amt. in Rs. Crore Y.o.Y Parameters Dec’17 Mar’18 Jun’ 18 Sep’ 18 Dec’ 18 Growth (%) Total Deposits 503888 524772 533274 551926 575525 14.22 Current Deposits 23245 24984 21185 23212 24702 6.27 Savings Deposits 134341 142051 141466 146446 149689 11.42 CASA Deposits 157586 167035
Slide 14: Robust Loan Growth (% Y.o.Y)
Robust Loan Growth (% Y.o.Y) Growth in advances (% y.o.y)- Dec'2018 24.8 11.5 11.2 7.0 Retail Credit (core) 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 Dec’17 Mar’18 Jun’18 Sep’18 Dec’18 Gr (%) Advances (Net) 373123 381703 386253 409529 417227 11.82 Total Priority 175729 185626 187528 195659 202336 15.14 Agriculture 82036 84012 84884 87947 91221 11.20 Other Priority 20663 19516 19561 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 - 54% to ANBC against 40% norm Norms under Agriculture - 22% 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 Dec’17 Mar’18 Jun’ 18 Sep’ 18 Dec’ 18 Growth (%) Housing Loans (Direct) 27412 28308 29734 31316 33008 20.41 Vehicle loans 6325 6739 6973 7637 8501 34.40 Education loans 8408 8438 8558 8855 8913 6.01 Other Retail Loans 18943 2
Slide 18: Exposure - Infrastructure
Exposure - Infrastructure Amt. in Rs. Crore % Share Y.o.Y Parameters Dec’17 Mar’18 Jun’ 18 Sep’ 18 Dec’ 18 in Total Growth Adv % Roads 7851 7807 7430 7558 7360 1.76 (6.25) Ports 437 371 372 397 396 0.09 (9.38) Airports 1083 1129 1192 1187 1180 0.28 8.96 Power (Generation, Transmission 31378 31115 30
Slide 19: Exposure – Power Sector & Aviation
Exposure – Power Sector & Aviation Amt. in Rs. Crore % Share Y.o.Y Parameters Dec’17 Mar’18 Jun’ 18 Sep’ 18 Dec’ 18 in Total Growth Adv % Power Generation 22676 22425 21855 21257 20529 4.92 (9.47) Power Transmission 1397 1226 1213 1167 1054 0.25 (24.55) Power Distribution 7306 7464 7431 7260 7329 1.
Slide 20: Exposure to Other Sectors
Exposure to Other Sectors Amt. in Rs. Crore Y.o.Y Parameters Dec’17 Mar’18 Jun’18 Sep’18 Dec’18 Growth (%) Exposure To Capital Market Outstanding 4087 4124 4190 4208 4035 (1.27) Exposure To NBFCs Total 33225 37676 40961 46302 49106 47.80 Out of which : HFCs 12079 13508 17173 18553 20538 70.03 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 3814 3679 3281 2988 12189 11360 11124 10775 10223 7096 7236 7477 7842 8375 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Page 21 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 23: Profitability
Profitability Rs Crore Operating Profit Net Profit 281 300 318 260 126 -4860 2831 2933 2480 2357 2327 1765 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Page 22 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 24: Net Interest Margin
Net Interest Margin % NIM – Global NIM – Domestic 2.85 2.75 2.74 2.64 2.65 2.60 2.65 2.53 2.52 2.42 2.39 2.34 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-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 8.54 8.49 8.32 8.33 8.21 8.12 5.70 5.59 5.60 5.60 5.49 5.52 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Page 24 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 26: Profitability- Q3FY19
Profitability- Q3FY19 Amt. in Rs. Crore Y.o.Y Q3 Q4 Q1 Q2 Q3 Parameters Growth FY18 FY18 FY19 FY19 FY19 (%) Total Income 12341 11555 13192 12679 13513 9.50 Total Expenses 9510 9790 10260 10352 11156 17.31 Operating Profit 2831 1765 2933 2327 2357 (16.74) Operating Profit 2425 1698 2872 2320 2265 (6.
Slide 27: Profitability- 9MFY19
Profitability- 9MFY19 Amt. in Rs. Crore 9M 9M Y.o.Y Parameters FY18 FY18 FY19 Growth (%) Total Income 36640 48195 39385 7.49 Total Expenses 28856 38647 31767 10.09 Operating Profit 7784 9548 7617 (2.15) Operating Profit 5928 7625 7457 25.79 (Excl. Trading Profit) Provisions 7146 13770 6719 (5.98) Ne
Slide 28: Break-up of Income – Q3FY19
Break-up of Income – Q3FY19 Amt. in Rs. Crore Y.o.Y Q3 Q4 Q1 Q2 Q3 Parameters Growth FY18 FY18 FY19 FY19 FY19 (%) Interest on Advances 7319 7252 8326 8201 9162 25.18 Int. on Investments 2531 2552 2618 2720 2780 9.84 Other Int. Income 924 419 415 203 246 (73.38) Total Interest Income 10775 10223 1136
Slide 29: Break-up of Income – 9MFY19
Break-up of Income – 9MFY19 Amt. in Rs. Crore Y.o.Y 9M 9M Parameters FY18 Growth FY18 FY19 (%) Interest on Advances 21844 29096 25689 17.60 Int. on Investments 7860 10412 8118 3.28 Other Int. Income 1325 1744 864 (34.79) Total Interest Income 31029 41252 34672 11.74 Non - Interest Income 5611 6943 4
Slide 30: Break-up of Expenditure – Q3FY19
Break-up of Expenditure – Q3FY19 Amt. in Rs. Crore Y.o.Y Q3 Q4 Q1 Q2 Q3 Parameters Growth FY18 FY18 FY19 FY19 FY19 (%) Interest Expenses 7096 7236 7477 7842 8375 18.03 Interest on Deposits 6673 6716 6982 7348 7694 15.31 Staff Expenses 1408 1307 1517 1552 1566 11.19 Other Op Exp 1006 1248 1266 957 12
Slide 31: Break-up of Expenditure – 9MFY19
Break-up of Expenditure – 9MFY19 Amt. in Rs. Crore 9M 9M Y.o.Y Parameters FY18 FY18 FY19 Growth (%) Interest Expenses 21853 29089 23694 8.42 Interest on Deposits 20420 27136 22023 7.85 Staff Expenses 4137 5444 4635 12.03 Other Op Exp 2866 4114 3438 19.97 Total Op Exp 7003 9558 8074 15.28 Total Expen
Slide 32: Break-up: Non-interest Income – Q3FY19
Break-up: Non-interest Income – Q3FY19 Amt. in Rs. Crore Q3 Q4 Q1 Q2 Q3 Y-o-Y Parameters FY18 FY18 FY19 FY19 FY19 Growth(%) Com & Exchange 277 243 346 310 220 (20.58) -Of which Bancassurance 44 46 43 42 46 4.55 Profit from Exch. Transactions 130 141 99 159 170 30.77 Rent – Lockers 3 3 95 4 3 0.00 Di
Slide 33: Break-up: Non-interest Income – 9MFY19
Break-up: Non-interest Income – 9MFY19 Amt. in Rs. Crore 9M 9M Y.o.Y Parameters FY18 FY18 FY19 Growth(%) Com & Exchange 957 1200 876 (8.46) -Of which Bancassurance 110 156 131 19.09 Profit from Exch. Transactions 397 538 428 7.81 Rent – Lockers 95 98 101 6.32 Dividend Income 39 53 40 2.56 Recovery i
Slide 34: Break-up : Provisions – Q3FY19
Break-up : Provisions – Q3FY19 Amt. in Rs. Crore Provisions Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 NPAs 1900 8763 2466 2403 2733 Standard Assets (19) 26 21 83 (8) Provisions on 874 642 258 394 (703) Investments Tax 32 (2451) 69 (807) 62 Restructured & (81) (356) (163) (45) (39) Others Total Provision &
Slide 35: Break-up : Provisions – 9MFY19
Break-up : Provisions – 9MFY19 Amt. in Rs. Crore 9M 9M Provisions FY18 FY18 FY19 NPAs 6120 14883 7602 Standard Assets (21) 5 96 Provisions on 1250 1892 (51) Investments Tax 112 (2339) (676) Restructured & Others (315) (671) (135) Total Provision & 7146 13770 6719 Contingency Page 34 www.canarabank.c
Slide 36: Earnings Profile – Q3FY19
Earnings Profile – Q3FY19 Values In % Parameters Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Dec’ 18 NIM – Domestic 2.64 2.65 2.75 2.74 2.85 NIM – Global 2.39 2.42 2.52 2.53 2.65 ROAA 0.15 (0.75) 0.19 0.20 0.20 ROE (Annualized) 3.14 (16.74) 4.83 4.93 5.01 Cost-Income Ratio 47.36 50.03 48.68 50.15 51.45 (Cumulati
Slide 37: Cost and Yield Trends
Cost and Yield Trends Values In % Parameters Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Dec’ 18 Cost of Deposits 5.59 5.60 5.49 5.52 5.60 Cost of Funds 5.16 5.17 5.09 5.13 5.21 Yield on Advances 8.21 8.12 8.54 8.33 8.49 Yield on Funds 7.32 7.34 7.73 7.52 7.62 Yield on Investments 7.66 7.63 7.63 7.63 7.63 Page 3
Slide 38: Investment Classification
Investment Classification Amt. in Rs. Crore % Share % Share % Share Dec Mar Dec Parameters in Total in Total in Total 2017 2018 2018 Portfolio Portfolio Portfolio SLR 121973 85.54 119727 82.42 125948 82.19 Non SLR 20793 14.56 25541 17.58 27293 17.81 Total (Gross) 142767 100 145268 100 153241 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 7.02 6.91 6.78 6.54 6.37 28542 26694 26778 26591 25166 25295 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Rs Crore Gross NPA Gross NPA Ratio (%) 11.84 10.51 11.05 10.38 10.56 10.25 47468 44660 45233 44621 39164 40312 Sep-17 Dec-17 Mar-18 Jun-18 Sep-
Slide 41: Asset Quality
Asset Quality Amt. in Rs. Crore Particulars Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Dec’ 18 Gross NPA 40312 47468 44660 45233 44621 Gross NPA Ratio (%) 10.38 11.84 11.05 10.56 10.25 Net NPA 25295 28542 26694 26778 26591 Net NPA Ratio (%) 6.78 7.48 6.91 6.54 6.37 Cash Recovery 4205 6458 3537 5113 7927 (cumula
Slide 42: Gross NPA Movement (Global)
Gross NPA Movement (Global) Q–3 Q – 4 2017-18 Q – 1 Q-2 Q-3 PARTICULARS (Amount in Rs. Crore) 2017-18 2017-18 (Yearly) 2018-19 2018-19 2018-19 Opening Gross NPA 39164 40312 34202 47468 44660 45233 Additions : 2641 13242 24761 4205 3697 5109 Out of which : i) Fresh Slippages 2621 13208 24580 4015 349
Slide 43: NPA Composition
NPA Composition Amt. in Rs. Crore Parameters Dec’17 Mar’ 18 Jun’ 18 Sep’ 18 Dec’ 18 Gross Advances 388518 400843 404328 428158 435423 Sub-Standard 8766 13865 12695 11928 11975 Doubtful 31546 33603 31965 33305 32646 Loss Nil Nil Nil Nil Nil Provision Coverage 55.81 58.06 60.69 61.39 62.54 Ratio (%) P
Slide 44: Sector-wise NPA Slippages
Sector-wise NPA Slippages Amt. in Rs. Crore % to total Q3 Q4 Q1 Q2 Q3 Sector Slippages FY18 FY18 FY19 FY19 FY19 (Q-4) MSME 807 879 1169 711 711 13.9 Agriculture 297 890 601 687 610 11.9 Other Priority Sector 111 170 366 176 109 2.1 Total Priority Sector 1215 1939 2136 1574 1430 28.0 Large Industries
Slide 45: Sector- Wise NPA Outstanding
Sector- Wise NPA Outstanding Amt. in Rs. Crore % NPA Sector Dec’17 Mar’ 18 Jun’18 Sep’18 Dec’18 (Dec’18) MSME 8243 8129 8384 8587 8709 19.5 Agriculture 3333 3851 4136 4233 4542 10.2 Other Priority Segments 606 617 728 714 695 1.6 Total Priority 12182 12597 13248 13534 13946 31.3 Large Industries 216
Slide 46: Sectoral Contribution Of NPA
Sectoral Contribution Of NPA Amt. in Rs. Crore Particulars Dec’17 Mar’ 18 Jun’18 Sep’ 18 Dec’18 Gross Advances 388518 400843 404328 428158 435423 Gross NPA 40312 47468 44660 45233 44621 Gross NPA % 10.38 11.84 11.05 10.56 10.25 Total PS NPA%* 6.93 6.79 7.06 6.92 6.89 Share of PS NPA to Gross NPA 30.
Slide 47: Exposure to NCLT Accounts
Exposure to NCLT Accounts Amt. in Rs. Crore No. of Amount of Amount of Parameters Accounts Book Liab. Provision made Accounts in 1st List of RBI 10* 8849 5548 (admitted) Accounts in 2nd List of RBI 17** 4810 3768 (admitted) * 2 accounts recovered **5 accounts yet to be admitted Rs.1692.48 Crs Amount
Slide 48: Restructured Assets
Restructured Assets Amt. in Rs. Crore Particulars Dec 2017 Mar 2018 Dec 2018 Gross Advances 388518 400843 435423 Restructured Assets 19793 18534 17401 % of Std. Restructured 1.82 0.92 0.94 Assets to total Advances % of Total Restructured 5.09 4.62 4.00 Assets to total Advances CDR 3601 3473 1312 % o
Slide 49: Sector Wise Cumulative Restructured Accounts
Sector Wise Cumulative Restructured Accounts Amt. in Rs. Crore Sector Dec 2017 Mar 2018 Dec 2018 Agriculture 228 209 183 MSME 1329 1336 1278 Housing Loans 126 115 90 Large Advance 17920 16684 15582 Others 190 190 268 Total 19793 18534 17401 Page 48 www.canarabank.com @canarabanktweet /canarabankoffi
Slide 50: Sector Wise Restructured Accounts
Sector Wise Restructured Accounts Amt. in Rs. Crore Details of restructured Accounts As on 30th Dec 2018 Name of the Sector No. of A/cs Amt % to O/s Amt. Infrastructure (a+b+c+d+e) 95 7164 41.17 Of Which Power a (i+ii+iii+iv) 35 3360 19.31 State DISCOMS i 2 116 --- State Transmission ii 0 0 0 State
Slide 51: Capital Adequacy & Shareholding
Capital Adequacy & Shareholding Page 50 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 52: Capital Adequacy- Basel III
Capital Adequacy- Basel III 13.22% Tier I 12.49% 12.21% Tier-II, 2.92 Tier-II, 2.91 Tier-II, 2.67 AT-I, 0.79 AT-I, 0.82 AT-I, 0.73 9.57% CET-I 10.30% CET-I CET-I 9.54% 9.51 8.75 8.81 Dec'17 Mar'18 Dec'18 CRAR of 12.21 % vs 10.875% norm* CET1 ratio at 8.81 % vs. 7.375% norm* ( *including Capital
Slide 53: Capital Adequacy – Basel III
Capital Adequacy – Basel III Amt. in Rs. Crore Particulars Dec’17 Mar’18 Jun’18 Sep’ 18 Dec’ 18 Gross Advances 388518 400843 404328 428158 435423 RWAs 354615 351698 358488 369098 380510 RWAs/ Gross Adv (%) 91.27 87.74 88.66 86.21 87.39 Tier I Capital 33954 36224 36291 36383 36301 CET: 8.75% CET: 9.5
Slide 54: Shareholding Pattern
Shareholding Pattern As on Dec 2018 Others Resident Individuals 1.9% 3.7% FIIs/FPIs 4.7% Government 72.5 Mutual Funds 7.6% Insurance Companies 9.6 Insurance Companies 9.6% Mutual Funds 7.6 Government FIIs/FPIs 4.7 72.5% Resident Individuals 3.7 Others 1.9 Page 53 www.canarabank.com @canarabanktweet
Slide 55: Financial Inclusion
Financial Inclusion Progress Under Pradhan Mantri Jan Dhan yojana (PMJDY) Parameters Dec 17 Dec 18 Accounts opened (Number in lakh) 67.4 71.09 Deposits (Rs. In Crore) 1884 2215 RuPay cards issued (Number in lakhs) 42.51 42.63 Aadhar Seeding under PMJDY (Number in lakhs) 40.44 42.59 Villages Covered
Slide 56: Customer-friendly Technology Initiatives in Q3 FY19
Customer-friendly Technology Initiatives in Q3 FY19 New functionalities in internet banking Enable /Disable & Set Limit functions for ATM & POS transactions for International Cards in addition to Domestic cards. Opening of National Pension Scheme (NPS) account (Also available in our Corporate
Slide 57: Digital Branch - “CANDI”
Digital Branch - “CANDI” @ Bengaluru, Chennai, Delhi, Mumbai Another 17 planned during 2018-19 Page 56 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 58: 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 57 www.cana
Slide 59: Business Strategy
Business Strategy Page 58 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 60: Project Shikhar - Branch Transformation
Project Shikhar - Branch Transformation for better Customer Service & Business Growth Branch Transformation: Better Branch Layout & customer service for customer’s delight Quality service delivery & reduction in service time for customers Focus on Digital banking Promoting transactions on self servi
Slide 61: Enhancing Digital Footprints
Enhancing Digital Footprints Credit Card Base POS Machine 21228 348212 19571 20151 303967 17610 18398 218923 223286 224123 Dec 17 Mar 18 Jun 18 Sep 18 Dec 18 Dec 17 Mar 18 Jun 18 Sep 18 Dec 18 IB Transactions IB Customers (in Lakh) E- Transactions 55 59 51 48 44 80.19 78.67 76.50 76.95 76.22 190 211
Slide 62: Technology Achievements
Technology Achievements Secured 1st position as on 31.12.2018 in Digital Score Card among all PSBs published by Ministry of Electronics and Information Technology (MeitY). Achieved 106.04% of pro-rata target of 48 Crores Digital Transactions by MeitY. Our Bank’s allocated target - 64 Crores Digital
Slide 63: Recovery & NPA Management
Recovery & NPA Management Concentrated Efforts for Recovery & NPA Management Conducting Recovery Meets / Cluster Adalats / Mega Adalats besides regular Recovery Camps at Branch / Regional Offices / Circle. One Time Settlement and follow up the settled accounts closely for recovery. Reaching out to s
Slide 64: Expanding the Reach
Expanding the Reach Particulars Dec’ 17 Mar’ 18 Dec’ 18 Banking Outlet 6179 6212 6314 ATM Strength 9743 9395 9004 Debit Card (In Lakh) 414 430 427 E-Lounges 182 6307 Domestic Banking Population group Dec’ 17 Mar’ 18 Dec’ 18 % to total Outlets. Rural 1793 1809 1819 28.84 7 overseas branches at Semi-U
Slide 65: Expanding the Reach
Expanding the Reach Domestic Banking Outlets / ATMs Jammu & Kashmir 6307 / 9004 Chandigarh 34 / 26 17 / 28 Himachal Pradesh 58 / 51 Arunachal Pradesh Punjab Uttarakhand 8/8 219 / 158 86 / 84 Haryana Delhi Assam 201 / 199 182 / 326 Sikkim 75 / 60 Rajasthan 9/8 Uttar Pradesh 162 / 155 Nagaland 588 / 6
Slide 66: Expanded Clientele Base
Expanded Clientele Base (In Lakhs) Y-o-Y Y-o-Y Dec’ 17 Mar’ 18 Dec’ 18 InCrease Growth (%) Clientele 818 827 859 41 5.0 8.59 Crore Clientele No. of Deposit A/cs 731 739 768 37 5.1 Base No. of Borrowal A/cs 87 88 91 4 4.6 41 lakhs Clientele accounts added y-o-y. Page 65 www.canarabank.com @canarabank
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