Canara Bank · NSE:CANBK
Canara Bank — Q1 FY2019-20 Earnings Presentation
27 slides from Canara Bank's earnings presentation, Jul 24, 2019
Slide 1: Cover letter to stock exchanges
61 Canara Bank Ref:: MD&CEO:SD: 625/626/11/12::2019 July 24 , 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] MUMB
Slide 2: power
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Slide 3: Performance Highlights - Q1 2019-20 (Y-o-Y)
Performance Highlights - Q1 2019-20 (Y-o-Y) ar-oRJf<» _11 Canara Bank �..l Net Profit Total Business Gross Advances Total Deposits Improved from Rs. 281 Cr Net Interest Margin Rs. 1059964 er Rs. 449290 er Rs. 610674 er to Rs. 329 Cr· stood at 2.29% , . ;t� · - · · .· 't' . . . . . ' • i • • ,Capital
Slide 4: Global Business
dlot� 4<P J:,.. Global Business Canara Bank�� Amt. in Rs. Crore Growth% Growth% Parameters Mar' 18 Jun' 18 Mar' 19 Jun' 19 Q-o-Q Y-o-Y Global Deposits 524772 533274 599033 610674 1.94 14.51 Global Advances 400843 404328 444216 449290 1.14 11.12 (Gross) Global Business 925615 937602 1043249 1059964 1
Slide 5: Domestic & Overseas Business
Domestic & Overseas Business dJOR1$P J:,.. Canara Bank �-l Amt. in Rs. Crore Domestic Business Parameters Mar'18 Jun' 18 Mar'19 Jun'19 Gr.% Q-o-Q Gr.% Y-o-Y Domestic Deposits 485994 500866 565917 577439 2.04 15.29 Domestic Advances 371205 380072 419005 423548 1.08 11.44 (Gross) Domestic Business 857
Slide 6: Business Mix
Business Mix ��OOJ _.1:,.. Canara Bank� (Rs. in Crores) Growth% Growth% Parameters Mar-18 Jun-18 Mar-19 Jun-19 Q-o-Q Y-o-Y Global Deposits 524772 533274 599033 610674 1.94 14.51 Global Advances (Gross) 400843 404328 444216 449290 1.14 1 f.12 Global Business 925615 937602 1043249 1059964 1.60 13.05 S
Slide 7: Credit Portfolio
Credit Portfolio (Rs. in Crores) Q)o@fcp Canara Bank �-I .-1l. Growth% Growth% Parameters (Amount O/s) Mar-18 Jun-18 Mar-19 Jun-19 Q-o-Q Y-o-Y I. Priority Sector Credit 1. Agriculture Credit (a) Retail - Agri. Credit 77120 77970 84288 86462 2.58 10.89 (b) Non-Retail - Agri. Credit 5336 5507 6255 622
Slide 8: Credit Portfolio (Contd.)
Credit Portfolio (Contd.) dlotll 4<P .Jl. (Rs. in Crores) Canara Bank�� Growth% Growth% Parameters Mar-18 Jun-18 Mar-19 Jun-19 Q-o-Q Y-o-Y a. Total Priority and Retail Credit 222216 227610 250076 259240 3.66 13.90 b. Staff Loans 4773 4965 6036 6218 3.01 25.23 c. Total Corporate Credit 173854 171753
Slide 9: Priority Sector Credit for ANBC
Priority Sector Credit for ANBC Q)ORI acJj _a Canara Bank� (Rs. in Crores) Parameters Growth% Growth% Mar-18 Jun-18 Mar-19 Jun-19 QoQ YoY Priority Sector Advances- ANBC Priority Sector Advance O/s 183313 185341 195126 207370 6.3 11.9 (Add) RIDF & Others 2313 2187 1886 1844 (2.2) (15.7) (Less) PSLC S
Slide 10: Priority Sector Credit Outstanding
�Gfq{p _a Priority Sector Credit Outstanding Canara Bank �-l (Rs. in Crores) Growth Growth Regulatory Parameters Mar-18 Jun-18 Mar-19 Jun-19 %QoQ %YoY Requirement ANBC 321749 339963 366197 374884 2.4 10.3 -- Priority Sector Advances for ANBC 171906 181218 176338 197190 11.8 8.8 -- % to ANBC 53 53 48
Slide 11: Retail Credit Outstanding
Retail Credit Outstanding �f<p __a Canara Bank �-l (Rs. in Crores) Growth% Growth% Parameters Mar-18 Jun-18 Mar-19 Jun-19 Q-o-Q Y-o-Y (a) Housing Loans 27572 28978 33581 34888 3.89 20.39 (b) Vehicle Loans 6739 6973 9446 9787 3.61 40.36 (c) Education Loan 8438 8558 8859 9036 2.00 5.59 (d) Other Perso
Slide 12: Infrastructure Credit - Sector Wise
Infrastructure Credit - Sector Wise �fcp _/;l Canara Bank�� (Rs. in Crores) Outstanding balance % to Total Parameters Advances Growth - Q-o Q % Growth % Mar-18 Jun-18 Mar-19 Jun_ 19 Jun' 19 Y-o-Y (A) Total Exposure to Power 31115 30499 30389 30172 6.7 (0.7) (1.1) (i) Central Govt. Undertakings 2377
Slide 13: Infrastructure Credit - Power
Infrastructure Credit - Power �f<tj .__a Canara Bank �-l (Rs. in Crores) Outstanding balance Parameters Mar'18 Jun'18 Mar'19 Jun'19 To To To To Other To Other To Other To Central/ To Other Central/Sta Central/Sta Central/Sta Sectors Sectors Sectors State sector Sectors te sector te sector te sector
Slide 14: Investments
ijjot� 4m __a Investments Canara Bank�� (Rs. in Crores) Category Mar-18 Jun-18 Mar-19 Jun-19 HTM 100086 94784 88627 87286 AFS 42463 50808 61611 64332 HFT 204 149 222 123 TOTAL (Domestic) 142753 145741 150460 151741 Modified Duration (Jun-19) HFT AFS 2.61 0% Entire Portfolio 4.41 o· . . ·•· Call Cana
Slide 15: Income & Expenditure
� 8Cfj 11 Income & Expenditure Canara Bank�� (Rs. in Crores) Outstanding balance - Quarterly Annual Qrtrly Growth Mar-18 Jun-18 Mar-19 Jun-19 o% q.o.q O% y.o.y FY FY Growth 2017_18 2018_19 % y.o.y Total Interest Income 10223 11360 12138 12201 0.52 7.40 41252 46810 13.5 Total interest 7236 7477 8638
Slide 16: Interest & Non-Interest Income
Interest & Non-Interest Income <hot� a<}) .--11 Canara Bank �-l (Rs. in Crores) Quarterly Annual Parameters Mar-18 Jun-18 Mar-19 Jun-19 Growth Growth FY FY Growth %q.o.q %y.o.y 2017-182018-19 %y.o.y Interest Income Interest on Advances 7252 8326 8630 9099 5.43 9.28 29096 34319 18.0 Interest on Inves
Slide 17: Expenses
Expenses tpoj�� _-4 Canara Bank �-l (Rs. in Crores) Quarterly Annual Parameters Growth Growth FY FY Growth Mar-18 Jun-18 Mar-19 Jun-19 % q.o.q % y.o.y 2017_182018-19 % y.o.y Interest Expenses (i) Interest Paid on 6716 6982 8075 8406 4.10 20.39 27136 30099 10.9 Deposits (ii) Other Interests 520 495 5
Slide 18: Key Ratios
Key Ratios ��fcp Jl,. {%} Canara Bank �-l Mar-18 Jun-18 Mar-19 Jun-19 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Cost of Funds 5.11 5.17 5.09 5.09 5.60 5.24 5.28 5.28 Cost of Deposits 5.42 5.60 5.49 5.49 6.07 5.66 5.75 5.75 Yield on Funds 7.22 7.34 7.7
Slide 19: Asset Quality
d>orat<P _I::,.. Asset Quality Canara Bank�� (Rs. in Crores) Parameters Mar-18 Jun-18 Mar-19 Jun-19 Gross NPA 47468 44660 39224 39399 Gross NPA (%) 11.84 11.05 8.83 8.77 Net NPA 28542 26694 22955 23150 Net NPA (%) 7.48 6.91 5.37 5.35 Provision Coverage Ratio (%) 58.06 60.69 68.13 68.62 Credit Cost (
Slide 20: NPA Movement
N PA Movement c$al� f<p Canara Bank �-l 1,.. (Rs. in Crores) 2018-19 2019-20 Particulars FY 2018-19 Q2 Q3 Q1 Opening Balance 47468 44660 45233 44621 47468 39224 Additions 4205 3697 5109 2469 15480 3676 Reductions 7013 3124 5721 7866 23724 3501 Cash Recovery-Ledger 2535 938 1944 966 6383 1228 Balance
Slide 21: Sector Wise Classification of NPAs
Sector Wise Classification of NPAs (Rs. in Crores) �� Jl. Canara Bank�� Jun-19 Sectors Mar-18 Jun-18 Mar-19 Jun-19 Gross % to Gross Advance Adv NPA under Priority Sector (A) Retail Agri. Credit 3457 3754 4516 4818 86462 5.6 (B) Non-Retail Agri. Credit 394 382 432 443 6227 7.1 (C)Total Agriculture Cr
Slide 22: Industry Wise Classification of Corporate NPAs
Industry Wise Classification of Corporate NPAs �tt<P J::,.. Canara Bank�� (Rs. in Crores) Advance O/s Sector/Scheme Mar-18 Jun-18 Mar-19 Jun-19 (Jun-19) Iron & Steel 11397 9531 5698 5132 18732 Engineering 1149 1157 22 65 10171 Textile 1972 1930 873 907 13500 Infra -Energy 5698 5421 3667 3689 30172 I
Slide 23: NBFC Exposure & NPA
NBFC Exposure & NPA ijjo@fcp Canara Bank�� J.l (Rs. in Crores) Mar'18 Jun'18 Mar'19 Jun'19 Total Fund Based exposure Total NBFC (Fund Based) 37676 40961 52943 53320 Out of which HFCs 13508 17173 21635 20211 Private 19122 19741 21189 21851 Public 5046 4048 10119 11258 Gross NPA Total NBFC NPA 118 120
Slide 24: S4A, SDR and Flexible Restructuring Details
Qjo@it<P A S4A, SDR and Flexible Restructuring Details Canara Bank W-l Standard (as on Jun-19) NPA (as on Jun-19) Fund based Fund based Name of the scheme Number of Balance Number of Balance borrowers outstanding borrowers outstanding (Rs Cr) (Rs Cr) S4A 5 495 3 188 SDR 0 0 0 0 5/25 7 2431 7 2659 TO
Slide 25: Capital Funds (Basel III)
Capital Funds (Basel Ill) ©afa<f<D _I::,._ Canara Bank �-l (Rs. in Crores) Particulars Mar-18 Jun-18 Mar-19 Ju n-19 Common Equity Tier-1(CET -I) 33455 33517 29300 29759 Additional Tier - 1 2769 2774 2551 2601 Tier - II 10280 10297 10082 10102 Capital 46588 41933 42463 Total Risk Weighted Assets 3516
Slide 26: Shareholding Pattern
Shareholding Pattern �fcp _A Canara Bank �-l As on June 30th, 2019 Staff Others Resident lndividuals2.8% 1.7% 3.4% Flls/FPls 't# @canarabanktweet You , , CanaraBankOfficial canarabank Page 25 Call Canara a 1800 425 0018 www.canarabank.com
Slide 27: Thank You
<llofll tfcfl 1:,._ Canara Bank W-l Thank You , Tube Call Canara tr 1800 425 0018 www.canarabank.com