Canara Bank · NSE:CANBK
Canara Bank — FY2019 Earnings Presentation
27 slides from Canara Bank's earnings presentation, May 10, 2019
Slide 1: Covering letter to stock exchanges
doret dap A canara Bank $. Ref :: MD&CEO:SD:356/357/11/12::2019 10.05.2019 The Vice President The Vice President The Bombay Stock Exchange Ltd. Listing Department Phiroze Jeejeebhoy Towers National Stock Exchange of India Ltd Dalal Street, EXCHANGE PLAZA MUMBAI - 400 001 Bandra-Kurla Complex, Bandra
Slide 2: Financial Results 31st March 2019
Financial Results 31st March 2019 NSE: CANBK BSE: 532483 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 3: Performance Highlights – FY 2018-19 (Y-o-Y)
Performance Highlights – FY 2018-19 (Y-o-Y) Operating Profit Net Profit Net Interest Total Business improved to Rs. 10591 Cr Improved to Rs. 347 Cr Margin improved to Gross Advances Total Deposits Rs. 1043249 cr Rs. 444216 cr Rs. 599033 cr from Rs. 9548 Cr from net loss of Rs. 4222 Cr 2.63% from 2.4
Slide 4: Global Business
Global Business Amt. in Rs. Crore Y.o.Y Growth Parameters Mar’18 Jun’ 18 Sep’18 Dec’18 Mar’19 Quantum (%) Global Deposits 524772 533274 551926 575525 599033 74261 14.15 Global Advances 400843 404328 428158 435423 444216 43373 10.82 (Gross) Global Business 925615 937602 980084 1010948 1043249 117634
Slide 5: Domestic & Overseas Business
Domestic & Overseas Business Amt. in Rs. Crore Domestic Business Parameters Mar’18 Jun’ 18 Sep’18 Dec’18 Mar’19 Y.o.Y Gr. % Domestic Deposits 485994 500866 523947 540213 565917 16.45 Domestic Advances 371205 380072 405958 412115 419005 12.88 (Gross) Domestic Business 857199 880938 929905 952328 9849
Slide 6: Business Mix
Business Mix (Rs. in Crores) Growth % Growth % Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Q-o-Q Y-o-Y Global Deposits 524772 533274 551926 575525 599033 4.08 14.15 Global Advances (Gross) 400843 404328 428158 435423 444216 2.02 10.82 Global Business 925615 937602 980084 1010948 1043249 3.20 12.71
Slide 7: Credit Portfolio
Credit Portfolio (Rs. in Crores) Growth % Growth % Parameters (Amount O/s) Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Q-o-Q Y-o-Y I. Priority Sector Credit 1. Agriculture Credit (a) Retail – Agri. Credit 77120 77970 80699 83497 84288 0.95 9.30 (b) Non-Retail - Agri. Credit 5336 5507 5808 6395 6255 -2.18 17.
Slide 8: Credit Portfolio (Contd.)
Credit Portfolio (Contd.) (Rs. in Crores) Growth % Growth % Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Q-o-Q Y-o-Y a. Total Priority and Retail Credit 222216 227610 241021 252981 250076 -1.15 12.54 b. Staff Loans 4773 4965 5183 5490 6036 9.95 26.46 c. Total Corporate Credit 173854 171753 181954 1
Slide 9: Priority Sector Credit for ANBC
Priority Sector Credit for ANBC (Rs. in Crores) Growth % Growth % Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 QoQ YoY Priority Sector Advances- ANBC Priority Sector Advance O/s 183313 185341 193537 200421 195126 -2.64 6.44 (Add) RIDF & Others 2313 2187 2122 1915 1886 -1.50 -18.44 (Less) PSLC Sold
Slide 10: Priority Sector Credit Outstanding
Priority Sector Credit Outstanding (Rs. in Crores) Growth Growth Regulatory Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 %QoQ %YoY Requirement ANBC 321749 339963 342838 341366 366197 7.27 13.81 -- Priority Sector 171906 181218 180159 185836 176338 -5.11 2.58 -- Advances for ANBC % to ANBC 53 53 53
Slide 11: Retail Credit Outstanding
Retail Credit Outstanding (Rs. in Crores) Growth % Growth % Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Q-o-Q Y-o-Y (a) Housing Loans 27572 28978 30551 32335 33581 3.85 21.79 (b) Vehicle Loans 6739 6973 7637 8501 9446 11.12 40.17 (c) Education Loan 8438 8558 8855 8913 8859 -0.61 4.99 (d) Other Per
Slide 12: Infrastructure Credit – Sector Wise
Infrastructure Credit – Sector Wise (Rs. in Crores) Outstanding balance % to Total Growth % Growth % Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Advances Q-o-Q Y-o-Y Mar’19 (A) Total Exposure to Power 31115 30499 29692 28912 30389 6.84 5.11 -2.33 (i) Central Govt. Undertakings 2377 2307 3463 3442
Slide 13: Infrastructure Credit - Power
Infrastructure Credit - Power (Rs. in Crores) Outstanding balance Parameters Mar'18 Jun'18 Sep'18 Dec'18 Mar'19 To To To To To To To Central/ To Other Central/ To Other Central/ Central/ Central/ To Other Total Other Other Total State Sectors State Sectors State State State Sectors Sectors Sectors s
Slide 14: Investments
Investments (Rs. in Crores) Category Mar-17 Mar-18 Mar-19 HTM 106037 100086 88627 AFS 42768 42463 61611 59% HFT 488 204 222 41% TOTAL (Domestic) 149294 142753 150460 0% Modified Duration (Mar-19) HTM AFS HFT AFS 3.01 Entire Portfolio 4.50 Page 13 www.canarabank.com @canarabanktweet /canarabankoffici
Slide 15: Income & Expenditure
Income & Expenditure (Rs. in Crores) Outstanding balance - Quarterly Qrtrly Growth Annual FY FY Growth Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 % q.o.q % y.o.y 2017-18 2018-19 % y.o.y Total Interest Income 10223 11360 11124 12189 12138 -0.42 18.73 41252 46810 13.5 Total interest 7236 7477 7842 8375 8638 3
Slide 16: Interest & Non-Interest Income
Interest & Non-Interest Income (Rs. in Crores) Quarterly Annual Parameters Growth Growth FY FY Growth Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 % q.o.q % y.o.y 2017-18 2018-19 % y.o.y Interest Income Interest on Advances 7252 8326 8201 9162 8630 -5.8 19.0 29096 34319 18.0 Interest on Investments 2552 2618
Slide 17: Expenses
Expenses (Rs. in Crores) Quarterly Annual Parameters Growth % Growth % FY FY Growth % Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 q.o.q y.o.y 2017-18 2018-19 y.o.y Interest Expenses (i) Interest Paid on 6716 6982 7348 7694 8075 4.95 20.24 27136 30099 10.9 Deposits (ii) Other Interests 520 495 494 681 563 -17
Slide 18: Key Ratios
Key Ratios (%) Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Cost of Funds 5.11 5.17 5.09 5.09 5.22 5.13 5.50 5.21 5.60 5.24 Cost of Deposits 5.42 5.60 5.49 5.49 5.54 5.52 5.77 5.60 6.07 5.66 Yield o
Slide 19: Asset Quality
Asset Quality (Rs. in Crores) Parameters Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Gross NPA 47468 44660 45233 44621 39224 Gross NPA (%) 11.84 11.05 10.56 10.25 8.83 Net NPA 28542 26694 26778 26591 22955 Net NPA (%) 7.48 6.91 6.54 6.37 5.37 Provision Coverage Ratio (%) 58.06 60.69 61.39 62.54 68.13 Credit
Slide 20: NPA Movement
NPA Movement (Rs. in Crores) 2017-18 FY 2018-19 FY Particulars 2017- 2018- Q1 Q2 Q3 Q4 18 Q1 Q2 Q3 Q4 19 Opening 34202 37658 39164 40312 34202 47468 44660 45233 44621 47468 Balance Additions 5511 3367 2641 13242 24761 4205 3697 5109 2469 15480 Reductions 2055 1861 1493 6086 11495 7013 3124 5721 7866
Slide 21: Sector Wise Classification of NPAs
Sector Wise Classification of NPAs (Rs. in Crores) Mar-19 Sectors Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Gross % to Gross Advance Adv NPA under Priority Sector (A) Retail Agri. Credit 3457 3754 3784 4039 4516 84288 5.4 (B) Non-Retail Agri. Credit 394 382 449 503 432 6255 6.9 (C)Total Agriculture Credit
Slide 22: Industry Wise Classification of Corporate NPAs
Industry Wise Classification of Corporate NPAs (Rs. in Crores) Advance O/s Sector/Scheme Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 (Mar-19) Iron & Steel 11397 9531 8936 8439 5698 20146 Engineering 1149 1157 23 25 22 9867 Textile 1972 1930 1404 1474 873 13621 Infra -Energy 5698 5421 4399 4701 3667 30389 Inf
Slide 23: NBFC Exposure & NPA
NBFC Exposure & NPA (Rs. in Crores) Mar’18 Jun’18 Sep’18 Dec’18 Mar’19 Total Fund Based exposure Total NBFC (Fund Based) 37676 40961 46302 49106 52943 Out of which : HFCs 13508 17173 18553 20538 21635 Private 19122 19741 21235 21543 21189 Public 5046 4048 6514 7025 10119 Gross NPA Total NBFC NPA 118
Slide 24: S4A, SDR and Flexible Restructuring Details
S4A, SDR and Flexible Restructuring Details (Rs. in Crores) Standard (as on Mar-19) NPA (as on Mar-19) Fund based Fund based Name of the scheme Number of Balance Number of Balance borrowers outstanding borrowers outstanding (Rs Cr) (Rs Cr) S4A 5 501 3 196 SDR 0 0 0 0 5/25 7 2456 7 2661 TOTAL 12 2957
Slide 25: Capital Funds (Basel III)
Capital Funds (Basel III) (Rs. in Crores) Particulars Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Common Equity Tier-1 (CET-I) 33455 33517 33608 33515 29300 Additional Tier - 1 2769 2774 2776 2786 2551 Tier – II 10280 10297 10188 10165 10082 Capital 46504 46588 46572 46466 41933 Total Risk Weighted Assets 35
Slide 26: Shareholding Pattern
Shareholding Pattern As on March 31st, 2019 Staff Others Resident Individuals 2.8% 1.6% 3.4% FIIs/FPIs 4.3% Mutual Funds 8.0% Insurance Companies 9.3% Government 70.6% Page 25 www.canarabank.com @canarabanktweet /canarabankofficial
Slide 27: Thank You
Thank You Page 26 www.canarabank.com @canarabanktweet /canarabankofficial