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PERFORMANCE HIGHLIGHTS

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PERFORMANCE HIGHLIGHTS - PowerPoint PPT Presentation


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PERFORMANCE HIGHLIGHTS . JUNE 2011. Major Highlights- Q1 FY12. TOTAL BUSINESS. (25%). (23.4%). (25.6%). Over ` 1 lakh Crore Business Added Y.o.Y Growth at 25%. TOTAL DEPOSITS. Y.o.Y Growth at 25.7% Domestic Growth at 25% against SCBs’ 17.7%. NET ADVANCES. Y.o.Y Growth at 23.7%

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total business
TOTAL BUSINESS

(25%)

(23.4%)

(25.6%)

Over ` 1 lakh Crore Business Added

Y.o.Y Growth at 25%

total deposits
TOTAL DEPOSITS

Y.o.Y Growth at 25.7%

Domestic Growth at 25% against SCBs’ 17.7%

net advances
NET ADVANCES

Y.o.Y Growth at 23.7%

Domestic Growth 27.6% against SCBs’ 19.6%

profit
PROFIT

Amt. in ` Crore

Lower Net Profit on account of decline in trading income, additional provision on NPA and restructured assets as per the RBI Norms

provisions
PROVISIONS

Amt. in ` Crore

income
INCOME

Amt. in ` Crore

Good Income Growth

major components of income
MAJOR COMPONENTS OF INCOME

Interest Income continues to drive growth in income .. over 70% of earnings from int on advances

June 2011

June 2010

expenditure
EXPENDITURE

Amt. in ` Crore

Int. Expenses Higher due to Rise in Int. on Term Deposits

earnings profile
EARNINGS PROFILE

Amt. in ` Crore

NIM Impacted by Continued Uptrend in Int. Rate Scenario

Cost of Deposits Rose Higher than Yield on Advances

trend in cost and yield
TREND IN COST AND YIELD (%)

Cost of Deposits increased by 136 bps higher than Yield on Advances, which rose by 115 bps

earnings profile1
EARNINGS PROFILE

EPS for June Quarters (Not Annualized)

share holding pattern
SHARE HOLDING PATTERN

As on June 30, 2011

business profile
BUSINESS PROFILE

Amt. in ` Crore

Robust Business Growth of over ` 1 lakh Crore

Overseas Business Constituted 4.41%

composition of deposits
COMPOSITION OF DEPOSITS

Amt. in ` Crore

Moderate Growth in CASA

credit focus
CREDIT FOCUS

Amt. in ` Crore

Well Diversified Credit Portfolio

pioneers in education loan
PIONEERS IN EDUCATION LOAN

Number ONE amongst Nationalized Banks

In Outstanding Education Loans

productivity ratios
PRODUCTIVITY RATIOS

Jump in Business Per Employee

and Business Per Branch

investment portfolio
INVESTMENT PORTFOLIO

Amt. in ` Crore

Figures in the brackets are percentage shares in total

duration of investment portfolio
DURATION OF INVESTMENT PORTFOLIO

Duration of AFS book and Total Investment book

Modified Duration of AFS book and Total Investment book

movement of npa
Movement of NPA

Amt. in ` Crore

Implemented System Driven NPA Classification for A/Cs above ` 2 lakh

sectoral npa
Sectoral NPA

Amt. in ` Crore

amount restructured during q1 fy12
Amount Restructured During Q1 FY12

Amt. in ` Crore

Total Slippages during Q1 - `28.07 Crore

total restructured accounts amts june 11
Total Restructured Accounts/Amts- June’11

Amt. in ` Crore

Cumulative Slippages - `683.39 Crore

npa classification
NPA Classification

Amt. in ` Crore

comfortable capital position
COMFORTABLE CAPITAL POSITION

Adequate Headroom for further Capital Augmentation

capital adequacy basel ii
CAPITAL ADEQUACY – Basel II

9.0% Minimum Total CRAR

6.0% Minimum Tier I CRAR

Total CRAR %

13.25%*

14.10%*

13.43%*

15.38%*

13.37%*

As per Basel II

expanded clientele base
EXPANDED CLIENTELE BASE

(In Lakhs)

3.93 crore strong clientele base

Over 4.4 lakhs SB clientele added in Q1 FY12.

infotech progress
INFOTECH PROGRESS

100% Business under Core Banking Branches

launch of mobile banking
LAUNCH OF MOBILE BANKING

Smt. ShyamalaGopinath, then Deputy Governor, RBI

Launching Mobile Banking product of Canara Bank on 6th June 2011

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