Canara Bank · NSE:CANBK
Canara Bank — Q3 FY2017 Earnings Presentation
62 slides from Canara Bank's earnings presentation, December 2016
Slide 1: Financial Results 31st December 2016
Financial Results 31ST December 2016 Reorienting towards retail business and recovery for a sustained path of growth and profitability. www.canarabank.com Page 1
Slide 2: Fundamental Strengths
FUNDAMENTAL STRENGTHS A Premier Bank with 110 Diversified Asset Contemporary and years of history Portfolio Appealing Brand Equity Pan India Presence 7.63 Crore Clientele 5964 Branches & 10394 Accounts ATMs Enhancing Digital Focus on Retail Business Improving Share of Non Banking With Retail Term De
Slide 3: Highlights – December 2016
HIGHLIGHTS – DECEMBER 2016 Net profit for Q3 FY17 rose to Rs322 crore, up by 279% y.o.y. Gross profit increased to Rs1981 crore, up by 27.63% y.o.y. Total expenditure declined by 3.81% y.o.y. Interest expenses, including interest paid on deposits Major declined by 9.03% y.o.y. Cost of depo
Slide 4: Highlights – December 2016
HIGHLIGHTS – DECEMBER 2016 Gross NPA Ratio marginally up at 9.97 % from 9.81% in September 2016. Net NPA ratio at 6.72% compared to 6.69% as at September 2016. Cash Recovery during the quarter at Rs1021 crore taking the cumulative figure to Rs2979 crore for the 9M. Major Provision Coverage r
Slide 5: Highlights – December 2016
HIGHLIGHTS – DECEMBER 2016 Global Business reached Rs8.42 lakh crore comprising global Deposits of Rs5.10 lakh crore and net advances of Rs3.32 lakh crore. Sustained growth in retail assets (y.o.y)- Agriculture (9.83%), MSME (6.34%), Retail Lending (13.47%), Direct Major Housing (16.11%), Vehicl
Slide 6: Performance Highlights - Business
PERFORMANCE HIGHLIGHTS- BUSINESS Amt. in Rs. Crore y.o.y Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth (%) Deposits 490599 479792 465314 484321 510327 4.02 Advances 331915 324715 321283 327129 331636 (0.08) (net) Business 822514 804506 786597 811451 841964 2.36 C-D Ratio 67.66 67.68 69.05 67.
Slide 7: Performance Highlights - Overseas Business
PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS Amt. in Rs. Crore y.o.y Parameters DEC’15 MAR’16 DEC’16 Growth % Deposits 31709 29003 34311 8.21 Advances 26610 21865 26801 0.72 Total Business 58319 50868 61111 4.79 Gross Profit 185 213 153 (17.30) www.canarabank.com Page 7
Slide 8: Performance Highlights - Profitability Q3FY17
PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q3FY17 Amt. in Rs. Crore y.o.y Parameters Q3FY16 Q4FY16 Q1FY17 Q2FY17 Q3FY17 Gr(%) Total Income 12051 12116 11786 12187 12079 0.24 Total Expenses 10498 10470 9967 10046 10098 (3.81) Operating Profit 1552 1647 1819 2141 1981 27.63 Net Profit 85 (3905) 229 357 322
Slide 9: Improvement in Operating profit & Net profit
Improvement in Operating profit & Net profit Net Profit (Rs. Cr) Operating profit (Rs. Cr) 357 322 85.00 229 2141 1981 1819 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 1647 1552 -3905 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 RoE (%) RoA (%) 5.15 4.58 6 4.44 4 3.5 0.3 0.26 0.22 0.17 2 0.2 0 0.1 0.06 -2 Dec 15 Mar 1
Slide 10: www.canarabank.com
www.canarabank.com Page 10
Slide 11: Segment Wise Deposits
SEGMENT WISE DEPOSITS Amt. in Rs. Crore y.o.y Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth (%) Total Deposits 490599 479792 465314 484321 510327 4.02 Current 19247 19827 20431 20663 21618 12.32 Saving 98878 103715 107839 111075 132087 33.58 CASA 118125 123542 128270 131738 153705 30.12 CASA
Slide 12: Loans & Advances Segment
LOANS & ADVANCES SEGMENT Amt. in Rs. Crore y.o.y Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth (%) Advances (Net) 331915 324715 321283 327129 331636 (0.08) Total Priority 142652 145558 147681 154891 153632 7.70 Agriculture 65061 67176 69419 72705 71457 9.83 Other Priority 16568 17150 17835 18
Slide 13: Achievement under Mandated Targets – Priority Sector
ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Achieved the mandated norms in respect of: Mandated Total Priority (48.06% to ANBC against 40% norm) Norms under Priority Agriculture (21.39% to ANBC against 18% norm) Sector Weaker Section (14.53% to ANBC against 10% norm) Credit to specified min
Slide 14: Performance of Retail Advances
PERFORMANCE OF RETAIL ADVANCES Amt. in Rs. Crore y.o.y Type of Advances DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth (%) Housing Loans (Direct) 19305 20475 21195 21819 22415 16.11 Housing Loans (Indirect) 6818 10500 12383 8101 7091 4.00 Vehicle loans 4129 4307 4433 4579 4748 14.98 Education loans 6545
Slide 15: Exposure - Infrastructure
EXPOSURE - INFRASTRUCTURE Amt. in Rs. Crore y.o.y % Share Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth Total Adv % Roads 8362 8603 8526 8370 8278 2.50 -1.00 Ports 402 344 356 361 361 0.11 -10.20 Airports 1372 1436 1595 1575 1021 0.31 -25.58 Power (Generation, 44407 35220 33641 32544 32008 9.
Slide 16: Exposure - Power Sector & Aviation
EXPOSURE - POWER SECTOR & AVIATION Amt. in Rs. Crore % Share y.o.y Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Total Growth Adv % -Power Generation 23839 22335 21833 22014 22522 6.79 -5.52 -Power Transmission 1503 1368 1181 1147 1087 0.33 -27.68 -Power Distribution 19065 11516 10626 9383 8399 2.53
Slide 17: Exposure to Other Sectors
EXPOSURE TO OTHER SECTORS Amt. in Rs. Crore y.o.y Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Growth (%) EXPOSURE TO CAPITAL MARKET Outstanding 2651 2553 2116 2036 2099 -20.82 EXPOSURE TO NBFCs Total 20885 25510 24242 22603 22330 6.92 Out of above : HFCs 8109 10196 11049 8053 7919 -2.34 Private 97
Slide 18: www.canarabank.com
www.canarabank.com Page 18
Slide 19: Profitability - Q3 FY17
PROFITABILITY- Q3 FY17 Amt. in Rs. Crore y.o.y Q3 Q4 Q1 Q2 Q3 Parameters Growth FY16 FY16 FY17 FY17 FY17 (%) Total Income 12051 12116 11786 12187 12079 0.24 Total Expenses 10498 10470 9967 10046 10098 (3.81) Operating Profit 1552 1647 1819 2141 1981 27.63 Provisions 1467 5552 1590 1784 1659 13.09 Ne
Slide 20: Profitability – 9M FY17
PROFITABILITY –9M FY17 Amt. in Rs. Crore y.o.y 9M 9M Parameters Mar’16 Growth FY16 FY17 (%) Total Income 36781 48897 36053 (1.98) Total Expenses 31281 41751 30112 (3.74) Operating Profit 5500 7147 5941 8.02 Provisions 4407 9959 5033 14.20 Net Profit 1093 (2813) 908 (16.93) Net Int. Income 7390 9763
Slide 21: Break-up: Income – Q3 FY17
BREAK-UP : INCOME – Q3 FY17 Amt. in Rs. Crore y.o.y Q3 Q4 Q1 Q2 Q3 Parameters Growth FY16 FY16 FY17 FY17 FY17 (%) Interest on Advances 7629 7521 7436 7505 7423 (2.70) Interest on Investments 2924 2691 2505 2613 2722 (6.91) Other Interest Income 329 521 261 287 142 (56.70) Total Interest Income 10882
Slide 22: Break-up: Income – 9M FY17
BREAK-UP : INCOME – 9M FY17 Amt. in Rs. Crore y.o.y 9M 9M Growth Parameters Mar’16 FY16 FY17 (%) Interest on Advances 23856 31377 22365 (6.25) Interest on Investments 8717 11408 7840 (10.06) Other Interest Income 716 1237 690 (3.64) Total Interest Income 33289 44022 30895 (7.19) Non – Interest Incom
Slide 23: Break-up: Expenditure – Q3 FY17
BREAK-UP : EXPENDITURE – Q3 FY17 Amt. in Rs. Crore Q3 Q4 Q1 Q2 Q3 y.o.y Parameters FY16 FY16 FY17 FY17 FY17 Growth (%) Interest Expenses 8655 8359 7894 7963 7874 (9.03) Interest on Deposits 8215 7774 7334 7360 7554 (8.05) Staff Expenses 1040 1240 1208 1217 1306 25.58 Other Op Exp 803 871 865 866 918
Slide 24: Break-up: Expenditure – 9M FY17
BREAK-UP : EXPENDITURE – 9M FY17 Amt. in Rs. Crore y.o.y 9M 9M Growth Parameters Mar’16 FY16 FY17 (%) Interest Expenses 25900 34259 23731 (8.37) Interest on Deposits 24576 32350 22247 (9.48) Staff Expenses 3206 4446 3731 16.36 Other Op Exp 2175 3046 2650 21.82 Total Op Exp 5381 7492 6381 18.57 Total
Slide 25: Break-up: Non-Interest Income Q3 FY17
BREAK-UP: NON-INTEREST INCOME Q3 FY17 Amt. in Rs. Crore Q3 Q4 Q1 Q2 Q3 Y-o-Y Parameters FY16 FY16 FY17 FY17 FY17 Growth(%) Com & Exchange 231 250 224 337 267 15.58 -Of which Bancassurance 15 27 17 18 21 40.00 Profit from Exch. Transactions 209 193 276 317 264 26.32 Rent – Lockers 3 2 81 3 2 (33.33)
Slide 26: Break-up: Non-Interest Income 9M FY17
BREAK-UP: NON-INTEREST INCOME 9M FY17 Amt. in Rs. Crore Parameters 9M 9M Y-o-Y Mar’16 FY16 FY17 Growth (%) Com & Exchange 667 917 828 24.14 -Bancassurance 43 70 56 30.23 Profit from Exch. Transactions 476 669 857 80.04 Rent – Lockers 81 83 86 6.17 Dividend Income 37 63 40 8.11 Recovery in W/Off A/cs
Slide 27: Break-up: Provisions - Q3FY17
BREAK-UP : PROVISIONS- Q3FY17 Amt. in Rs. Crore Provisions for Q3 FY16 Q4 FY16 Q1FY17 Q2FY17 Q3FY17 NPAs 1432 5883 1469 1558 1487 Standard Assets (79) (276) (28) (8) 27 Provisions on 155 (85) 17 15 84 Investments Tax 38 (779) 97 198 175 Restructured & Others (79) 442 35 21 (114) Total Provision 1467
Slide 28: Break-up: Provisions – 9M FY17
BREAK-UP : PROVISIONS – 9M FY17 Rs. Provisions for 9M FY16 Mar’16 9M FY17 NPAs 3725 9608 4514 Standard Assets (183) (459) (3) Provisions on 352 268 117 Investments Tax 406 (373) 470 Restructured & Others 107 531 (65) Total Provision &Contingency 4407 9959 5033 www.canarabank.com Page 28
Slide 29: Earnings Profile - Q3 FY17
EARNINGS PROFILE- Q3 FY17 Parameters Q3FY16 Q4Y16 Q1FY17 Q2FY17 Q3FY17 NIM – Domestic 2.29 2.34 2.29 2.35 2.34 NIM – Global 2.16 2.19 2.15 2.19 2.19 ROAA 0.06 (0.52) 0.17 0.21 0.22 ROE (Annualized) 5.15 (10.69) 3.50 4.44 4.58 Cost-Income Ratio (Cumulative) 49.45 50.65 52.74 50.70 51.25 www.canaraban
Slide 30: Cost and Yield Trends
COST AND YIELD TRENDS (In DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Cost of Deposits 7.01 6.94 6.45 6.38 6.31 Cost of Funds 6.90 6.31 5.86 5.78 5.68 Yield on Advances 9.92 9.71 9.15 9.15 9.09 Yield on Funds 8.12 8.11 7.58 7.51 7.39 Yield on Investments 7.93 7.92 7.92 7.88 7.82 www.canarabank.com Page 30
Slide 31: Investment Classification
INVESTMENT CLASSIFICATION Amt. in Rs. Crore % Share % Share % Share Parameters DEC’15 in Total MAR’16 in Total DEC’16 in Total Portfolio Portfolio Portfolio SLR 141359 91% 118091 83% 146080 86.5% Non SLR 14214 9% 23661 17% 22773 13.5% Total (Domestic) 155573 100% 141752 100% 168853 100% Held For Tra
Slide 32: www.canarabank.com
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Slide 33: Asset Quality
ASSET QUALITY Amt. in Rs. Crore PARTICULARS DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Gross NPA 19813 31638 32334 33315 34339 Gross NPA Ratio (%) 5.84 9.40 9.71 9.81 9.97 Net NPA 12940 20833 21494 21887 22296 Net NPA Ratio (%) 3.90 6.42 6.69 6.69 6.72 Cash Recovery (cumulative) 3383 4758 918 1958 2979 Cash
Slide 34: Gross NPA Movement (Global) Quarterly
Gross NPA Movement (Global) Quarterly (Rs.in crore) 31.03.2015 31.12.2015 31.3.2016 30.6.2016 30.09.2016 31.12.2016 PARTICULARS (Yearly) (Qtly) (Yearly) (Qtly) (Qtly) (Qtly) Opening Gross NPA 7570 14021 13040 31638 32334 33315 Additions : 10870 5402 24724 3878 2449 2225 Out of which : i) Fresh Slipp
Slide 35: NPA Composition
NPA COMPOSITION Amt. in Rs. Crore Parameters DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Gross Advances 339411 336548 333121 339511 344564 Sub-Standard 9163 17390 17624 17430 17234 Doubtful 10650 14248 14710 15885 17105 Loss Nil Nil Nil Nil Nil Provision Coverage Ratio(%) 53.96 50.11 50.82 51.75 52.52 www.ca
Slide 36: Sector-wise NPA Slippages
SECTOR-WISE NPA SLIPPAGES Amt. in Rs. Crore Q3 Q4 Q1 Q2 Q3 % to total SECTOR FY16 FY16 FY17 FY17 FY17 Slippages Micro & Small Ent. 1006 990 1346 960 459 20.62 Agriculture 326 538 602 233 130 5.84 Other Priority Sector 166 107 382 163 157 7.06 Total Priority Sector 1498 1635 2330 1356 746 33.52 Mediu
Slide 37: Sector-wise NPA Outstanding
SECTOR- WISE NPA OUTSTANDING Amt. in Rs. Crore SECTOR DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Micro & Small Enterprises 4472 4663 5076 5618 5698 Agriculture 1906 2159 2401 2611 2394 Other Priority Segments 579 588 664 646 670 Medium Enterprises 1321 1483 1505 1399 1409 Large Industries 7916 18037 18303 1
Slide 38: Sectoral Contribution of NPA
SECTORAL CONTRIBUTION OF NPA Amt. in Rs.Crore Particulars DEC’15 MAR’16 JUN’16 SEP’16 DEC’16 Gross Advances 339411 336548 333121 339511 344564 Gross NPA 19813 31638 32334 33315 34339 Gross NPA % 5.84 9.40 9.71 9.81 9.97 Priority Sector Advances 142652 147771 147681 154891 153631 PS as % to Gross Adv
Slide 39: Restructured Assets
RESTRUCTURED ASSETS Amt. in Rs.Crore Particulars March 2015 Mar 2016 Dec 2016 Gross Advances 334947 336545 344564 Restructured Assets 28371 23227 22276 % of Std. Restructured Assets to total Advances 6.71 3.88 3.48 % of Total Restructured Assets to total Advances 8.47 6.90 6.46 CDR 10490 8990 8904 %
Slide 40: Sector wise Cumulative Restructured Accounts
Sector wise Cumulative Restructured accounts Amt. in Rs.Crore March 2015 March 2016 Dec 2016 Sector Amt Amt Amt Agriculture 470 374 295 MSME 1509 1671 1558 Housing Loans 525 276 220 Large Advance 25470 20721 20024 Others 397 185 179 28371 23227 22276 Total www.canarabank.com Page 40
Slide 41: Sector wise Restructured Accounts for Q3 FY17
Sector wise Restructured accounts for Q3 FY7 Amt. in Rs.Crore Q3 FY2016-17 Sector A/cs Amt. Agriculture 29 0.70 MSME 59 2.76 Housing Loans 12 0.98 Large Advance 0 0.00 Others 6 0.01 106 4.45 Total www.canarabank.com Page 41
Slide 42: Restructured Assets
RESTRUCTURED ASSETS Amt. in Rs.Crore FY 2014-15 FY 2015-16 Q 3 FY 2016-17 Particulars As on 31.03.2015 As on 31.03.2016 As on 31.12.2016 CDR 10490 8990 8904 NON CDR 17881 14237 13372 22276 Total 28371 23227 www.canarabank.com Page 42
Slide 43: Sector Wise Restructured Accounts
SECTOR WISE RESTRUCTURED ACCOUNTS Amt. in Rs.Crore Name of the Sector As on 31st Dec 2016 Details of restructured Accounts No. of a/cs Amnt % to cumulative Outstanding Amt. INFRASTRUCTURE (a+b+c+d+e+f+g+h) 107 8351 37.49 Of Which Power POWER (a+b+c+d) 42 4215 18.92 State DISCOMS (a) 04 625 -- State
Slide 44: Capital Adequacy – Basel III
CAPITAL ADEQUACY –BASEL III CRAR of 12.28 % at December 2016 CET ratio at 8.11% vs. 5.5% norm Tier I ratio at 9.01 % vs.7% norm Tier II ratio at 3.27% Sufficient headroom available for raising further capital www.canarabank.com Page 44
Slide 45: Capital Adequacy – Basel III
CAPITAL ADEQUACY – BASEL III Amt. in Rs. Crore BASEL III Particulars DEC’15 Mar’16 JUN’16 SEP’16 DEC’16 Risk-weighted 344773 333869 331454 331367 340820 Assets Tier I Capital 29915 29372 29276 29394 30713 CET:8.03% CET:8.18% CET:8.21% CET:8.25 % CET: 8.11% Tier I Ratio% AT1:0.65% AT1:0.62% AT I:0.62
Slide 46: Shareholding Pattern
SHAREHOLDING PATTERN As on Dec 31, 2016 Resident Others, 2.5 Govt. 66.30 Individuals, Mutual 5.3 FIIs 5.9 Funds, 5.9 Insurance Insurance 14.1 Companies Companies , 14.1 Mutual Funds 5.9 FIIs, 5.9 GoI , 66.3 Resident 5.3 Individuals Govt FIIs Insurance Companies Mutual Funds Resident Individuals Othe
Slide 47: Financial Inclusion
FINANCIAL INCLUSION Progress Under Pradhan Mantri Jan Dhan yojana (PMJDY) Parameters Dec 15 Mar 16 Dec 16 Accounts opened (Number in lakh) 64.73 74.31 62.72 Deposits (Rs. In Crore) 858 1317 2143 RuPay cards issued (Number in lakhs) 46.93 71.61 42.77 Aadhar Seeding under PMJDY (Number in lakhs) 31.94
Slide 48: Important Customer-Friendly Technology Initiatives in Q3 FY17
IMPORTANT CUSTOMER-FRIENDLY TECHNOLOGY INITIATIVES IN Q3 FY17 Canara Empower, Unified Payment Interface (UPI) for single platform in accessing multiple bank accounts. Canara mserve that enables customer to Hot list, Block/Unblock Cards. Canara Cart, an umbrella app containing all mobile based
Slide 49: Major Awards/Accolades for Q3 FY17
MAJOR AWARDS/ACCOLADES for Q3 FY17 “SKOCH ORDER OF MERIT” and “SKOCH SILVER” Awards for Bancassurance & Empower UPI Mobile App during the 46th Skoch Summit. Indy Wood CSR Excellence Award, 2016, for outstanding achievement in Corporate Social Responsibility (CSR) by Indywood Film Carnival. 4th
Slide 50: Subsidiaries & JVs
SUBSIDIARIES & JVs SUBSIDIARIES & JVs % STAKE SUBSIDIARIES & JVs % STAKE 100% 51% 43.45% 100% 69.14% 51% COMMERCIAL INDO BANK LLC 70% (JOINT VENTURE WITH STATE 40% BANK OF INDIA) www.canarabank.com Page 50
Slide 51: www.canarabank.com
www.canarabank.com Page 51
Slide 52: Focus on Retail Business
FOCUS ON RETAIL BUSINESS Retail Assets (%) Retail Deposits (%) 60.7 60.2 62.3 60.01 60.32 56.6 59.36 51.4 57.88 54.16 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 CASA (Rs in lakh Cr) 1.54 CASA Share (%) 32.12 1.32 29.27 1.28 29.11 1.24 1.18 27.38 25.71 Dec 15 Mar 16 Jun 16
Slide 53: Major Branch Transformation for Better Customer Service & Business Growth
Major Branch Transformation for better Customer Service & Business Growth Star Level No of branches 5 Star 154 4 Star 67 3 Star 180 2 Star 371 1 Star 439 Total 1211 Branch Transformation: Better Branch Layout & customer service for customer’s delight Quality service delivery & reduction in service
Slide 54: Thrust on Increasing Income & Reducing Cost
Thrust on Increasing Income & Reducing Cost Cost income Ratio (%) Cost Of Deposit (%) 52.74 51.25 50.65 50.7 7.01 49.45 6.94 6.45 6.38 6.31 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 Net Interest Income NIM (%) 2374 2.19 2.19 2.19 2.19 2443 2414 2307 2.15 2227 Dec 15 Mar 1
Slide 55: Improving Non Interest Income
Improving Non Interest Income Non Interest Income 1792 Share of NII to Total Income 1782 1585 14.83 1383 13.45 14.62 1169 11.41 9.70 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 Dec 15 Mar 16 Jun 16 Sep 16 Dec 16 To garner new business under LC / BG. Focusing on Locker income. Recovery in written off accou
Slide 56: Enhancing Digital Footprints
Enhancing Digital Footprints No. of E- Transactions MB TRANSACTIONS MB CUSTOMERS 26.88 240.0 42 40.3 25.78 190.0 39.9 24.63 39.4 24.38 140.0 38.5 38 22.51 90.0 235.6 104.3 137.5 104.6 40.0 34.7 46.2 -10.0 34 Dec 15 Mar 16 jun 16 Sep 16 Dec 16 Dec 15 Mar 16 jun 16 Sep 16 Dec 16 IB TRANSACTIONS IB CUS
Slide 57: Recovery & NPA Management
Recovery & NPA Management Mission Samadhan- Conducting Recovery Meets / Adalats / Maximum Mega Adalats besides regular Recovery Camps at thrust on branch/Circle and RO level. Recovery One Time Settlement and follow up the OTS permitted and NPA accounts closely for recovery. manageme nt Exclusi
Slide 58: Expanding the Reach
EXPANDING THE REACH Particulars DEC’15 MAR’16 DEC’16 Branch Network 5794 5849 5972 ATM Strength 9144 9251 10394 Debit Card (In Lakh) 304 319 312 E-Lounges 187 5964 domestic Population group No. of branches % to total Branches Rural 1757 29.46 8 overseas branches at Semi-Urban 1896 31.79 Johannesburg
Slide 59: Expanding the Reach
EXPANDING THE REACH www.canarabank.com Page 59
Slide 60: Expanded Clientele
EXPANDED CLIENTELE (In Lakhs) Y-o-Y Y-o-Y DEC’15 MAR’16 DEC’ 16 Increase Growth (%) 7.63 Clientele 710 725 763 53 7.46 crore Strong No. of Deposit Clientele A/cs 631 644 682 51 8.08 Accounts No. of Borrowal A/cs 79 81 81 2 2.53 53 lakhs Clientele accounts added y-o-y. www.canarabank.com Page 60
Slide 61: Goals – March 2017
GOALS – MARCH 2017 Thrust on Retail Business & Asset Quality- CASA & Retail deposits Retail credit Goals Fee income Containing NPA Recovery & Upgradation Improving operational financial ratios- NIM, RoA, RoE and Cost-to-Income. www.canarabank.com Page 61
Slide 62: Thank You
Thank OU www.canarabank.com hotel A LA canara Bank Page 62