Financial Results. 31st March Reorienting towards retail business and recovery for a sustained path of growth and profitability.
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1 Get Instant Loan Approval!!! Financial Results 31st 2016 Get Instant Loan Approval!!! CANARA BANK MULTI CURRENCY TRAVEL PREPAID CARD Reorienting towards retail business and recovery for a sustained path of growth and profitability. Page 1
2 HIGHLIGHTS MARCH 2016 Major Highlights Total Business at Rs.8.05 lakh crore, with total Deposits at Rs.4.80 lakh crore and Advances (net) at Rs.3.25 lakh crore. ( Business level at Rs.8.04 lakh crore) Retail term deposits at Rs.1.72 lakh crore, up by 21.62% y.o.y. Retail term deposits share in domestic term deposits at 56.5%, up from 48.5% a year ago. CASA deposits at Rs.1.24 lakh crore & CASA% (domestic) at 27.4%, up from 25.5% a year ago. Retail Assets (Agriculture, MSME, Housing & other Retail Schemes) at Rs.1.88 lakh crore, up by 16.17% y.o.y. Page 2
3 HIGHLIGHTS MARCH 2016 Major Highlights Sustained y.o.y growth in Priority Credit (23%), Agriculture (14%), MSME (10%), Retail Lending (27.8%), including Housing Loans (38.6%). Mandatory norms complied under Priority Credit, Agriculture, MSE (Accounts), Minority Communities, Weaker Section & women beneficiaries. Overriding emphasis on expanding Digital Banking enhanced E transactions at 54.21% against level of 50.21%. Mobile Banking users at lakhs (22.16 lakh last year) & Net banking users at 24.10lakhs (15.36 lakh last year). Enhanced delivery channels 5849 branches, 170 e lounges, 9251 ATMs & 3.2 crore Debit Cards. Gross NPA Ratio at 9.40 % and Net NPA ratio at 6.42 %. Cash Recovery at Rs.4758 crore. Comfortable CRAR at 11.08%, CET 1 ratio at 8.18%. Page 3
4 HIGHLIGHTS MARCH 2016 Major Highlights Non interest income for FY16 at Rs.4875 crore, up by 7.14% y o y. Interest Expenses marginally up by 0.51% y.o.y vis àvis 11.38% last year. Control on cost operating expenses increase curtailed to 3.14% y.o.y vis à vis 19.45% last year. NIM (Domestic) at 2.34% and NIM (Global) at 2.19%. Cost of Deposits down to 6.94% from 7.38% last year. Operating profit for FY16 at Rs.7147 crore, up by 2.82% y.o.y. Net loss at Rs.2813 crore. Page 4
5 PERFORMANCE HIGHLIGHTS BUSINESS Parameters June September December 2016 y.o.y Growth (%) Deposits Advances (net) Business C D Ratio Market share in deposits at 4.66% and Market share in Advances at 4.31% Page 5
6 PERFORMANCE HIGHLIGHTS OVERSEAS BUSINESS Parameters 2016 y.o.y Growth % Deposits Advances Total Business Gross Profit Overseas Business constitutes 6.32% of the Global Business Page 6
7 PERFORMANCE HIGHLIGHTS PROFITABILITY FY16 Parameters Mar 14 Mar 15 Mar 16 y.o.y Growth (%) Total Income Total Expenses Operating Profit Net Profit (2813) NIM (%) Domestic NIM (%) Global Page 7
8 PERFORMANCE HIGHLIGHTS EXPANDING THE REACH Particulars y.o.y increase Branch Network ATM Strength Debit Card (In Lakh) domestic Branches 8 Overseas branches at Johannesburg, New York, London, Leicester, Shanghai, Manama, Hong Kong and Dubai E-Lounges 170 Population group No. of branches Rural 1865 Semi Urban 1815 Rural + Semi Urban 3680 Urban 1142 Metro 1019 Total Domestic 5841 Page 8
9 Expanding the Reach. Chandigarh / 25 / 25 Punjab 196 / 206 / 206 Haryana 179 / 207 / 207 Jammu & Kashmir & Kashmir / 32/ 32 Himachal Pradesh Pradesh / 55/ 55 Uttarakhand / 101 / 101 Delhi 172 / 448 / 448 Rajasthan Uttar Pradesh 140 / 172 / / 665 / 665 Gujarat 142 / 189 / 189 Madhya Pradesh Pradesh / 271 / 271 Dadra & & Nagar Nagar Maharashtra Haveli / / 377 / / 3 Telangana Daman & Diu & Diu 161 / 351 / / / 1 Goa AndraPradesh Pradesh 54 / / / 347 / 347 Domestic Branches Branches / ATMs / ATMs 5841 / 9251 / 9251 Assam Sikkim 69 / / / 8/ 8 Bihar 227 / 318 / 318 Meghalaya / 10 / 10 Jharkhand 133 / 163 / 163 West Bengal Bengal / 347 / 347 Head Office Office Arunachal Pradesh Arunachal 7 / Pradesh 8 7 / 8 Nagaland 33 / 3/ 3 Manipur 4 / 4/ 4 Mizoram 5 / 5/ 5 Tripura 13 / 55 / 55 Population Wise - Branches Rural Urban 31.7 % 19.7 % Semi Urban Urban 31.2 % Geographical diversification Northern Central 13.5% 15.2 % N.Eastern 1.9 % Eastern 14.0 % Western 9.9 % Southern 45.5 % Kerala 442 / 562 / 562 Pondicherry / 16/ 16 Tamilnadu 822 / 1511 / 1511 Andaman & Nicobar & Nicobar 2 / 2 / 2 8 Overseas Branches. Johennesburg, NewYork, London, Leicester, Shanghai, Manama,Hongkong & Dubai Page 9 Page 9
10 Enhancing Towards digitalization.. Digital Footprints. Lakhs In % E-Transactions Mar Mar Mar Lakhs Mobile Banking Banking Mar Mar Mar Net Banking Banking Customers Customers Lakhs Mar Mar Mar Lakhs Debit Card Card Customers Customers Mar Mar Mar Page 10 3 Page 10
11 BUSINESS SEGMENTS Page 11
12 SEGMENT WISE DEPOSITS Parameters June September December 2016 y.o.y Growth (%) Total Deposits Current Saving CASA CASA (%)Dom Term Deposits Retail Term Deposits (RTD) Bulk Deposits % RTD to Domestic Term Dep (Excl. CDs) % 48.41% 50.11% 51.41% 56.54% Note: Bulk Dep Rs.1 Crore and above, Retail Dep. below Rs.1 Crore Page 12
13 LOANS & ADVANCES SEGMENT Parameters June September December 2016 y.o.y Growth(%) Advances (Net) Total Priority Agriculture Other Priority MSME MSE Retail Credit Sustained Good Growth in Retail Assets Page 13
14 ACHIEVEMENT UNDER MANDATED TARGETS PRIORITY SECTOR Achieved the mandated norms in respect of: Total Priority (49.29 % to ANBC against 40% norm). Agriculture (22.75% to ANBC against 18% norm). Weaker Section (14.73% to ANBC against 10% norm). Mandated Norms Under Priority sector Number of Micro Enterprises accounts (24.21% y.o.y growth against 10% norm). Credit to specified minority communities (17.76% against 15% norm). Credit to women beneficiaries (14.25% to ANBC against 5% norm). Page 14
15 PERFORMANCE OF RETAIL ADVANCES Type of Advances June September December 2016 y.o.y Growth (%) Total Housing Loans Housing loans Direct Vehicle loans Education loans Other Personal Loans Retail Total Page 15
16 Parameters EXPOSURE INFRASTRUCTURE June Sept. Dec % Share Total Adv y.o.y Growth % Roads Ports Airports Power (Generation, Transmission & Distribution) Telecom Other Infrastructure Total Infrastructure Page 16
17 Parameters EXPOSURE POWER SECTOR & AVIATION June September December 2016 % Share Total Adv y.o.y Growth % Power Generation Power Transmission Power Distribution Total Power Of which SEBs Exposure to Aviation Page 17
18 EXPOSURE TO OTHER SECTORS June September December 2016 y.o.y Growth (%) EXPOSURE TO CAPITAL MARKET Outstanding EXPOSURE TO NBFCs Total Out of above : HFCs Private Public EXPOSURE TO COMMERCIAL REAL ESTATE Outstanding Page 18
19 FINANCIALS Page 19
20 PROFITABILITY Q4FY16 Parameters Q4 FY15 Q1 FY16 Q2 FY16 Q3 FY16 Q4 FY16 y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit (3905) Net Int. Income Non Int. Income Page 20
21 PROFITABILITY FY16 Parameters y.o.y Growth (%) Total Income Total Expenses Operating Profit Provisions Net Profit (2813) Net Interest Income Non Interest Income Page 21
22 BREAK UP : INCOME Q4 FY16 Parameters Q4 FY15 Q1 FY16 Q2 FY16 Q3 FY16 Q4 FY16 y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non Interest Income Total Income Page 22
23 BREAK UP : INCOME FY16 Parameters y.o.y Growth (%) Interest on Advances Interest on Investments Other Interest Income Total Interest Income Non Interest Income Total Income Page 23
24 BREAK UP: EXPENDITURE Q4 FY16 Parameters Q4 FY15 Q1 FY16 Q2 FY16 Q3 FY16 Q4 FY16 Y o Y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Operating Expenses Total Operating Expenses Total Expenses Page 24
25 BREAK UP : EXPENDITURE FY16 Parameters y.o.y Growth (%) Interest Expenses Interest on Deposits Staff Expenses Other Operating Expenses Total Operating Expenses Total Expenses Page 25
26 BREAK UP: NON INTEREST INCOME Q4Y16 Parameters Q4 FY15 Q1 FY16 Q2 FY16 Q3 FY16 Q4 FY16 y.o.y Growth (%) Com & Exchange Of which Bancassurance Profit from Exchange Transactions Rent Lockers Dividend Income Recovery in Written/Off A/cs Service Charges & Other Miscellaneous Income Total (Excluding Treasury Trading Profit) Trading Profit (net) Total (Including Treasury Trading Profit) Page 26
27 BREAK UP: NON INTEREST INCOME FY16 Parameters Y o Y Growth (%) Com & Exchange Bancassurance Profit from Exchange Transactions Rent Lockers Dividend Income Recovery in Written/Off Accounts Service Charges & Other Misc. Income Total (Excl. Treasury Trading Profit) Trading Profit Total (Including Treasury Trading Profit) Page 27
28 BREAK UP : PROVISIONS Q4 FY16 Provisions for Q4 FY15 Q1FY16 Q2FY16 Q3 FY16 Q4 FY16 NPAs Standard Assets 73 (61) (44) (79) (276) Provisions on Investments (85) Tax (779) Restructured & Others Total Provision & Contingency 139 (26) 213 (79) Page 28
29 BREAK UP : PROVISIONS FY16 Provisions for NPAs Standard Assets (459) Provisions on Investments 692 (658) 268 Tax (373) Restructured & Others Total Provision &Contingency Page 29
30 EARNINGS PROFILE Q4FY16 (In %) Parameters Q4Y15 Q1FY16 Q2FY16 Q3FY16 Q4Y16 NIM Domestic NIM Global ROAA (0.52) ROE (Annualized) (10.69) Cost Income Ratio (Cumulative) Page 30
31 COST AND YIELD TRENDS (In %) Parameters June Septem ber December 2016 Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments Page 31
32 Parameters INVESTMENT CLASSIFICATION 2014 % Share in Total Portfolio % Share in Total Portfolio 2016 % Share in Total Portfolio SLR % % Non SLR % % Total (Domestic) % % Held For Trading % % % Available For Sale % % Held To Maturity % % % Modified Duration Total (Global) % % % Page 32
33 ASSET QUALITY Page 33
34 ASSET QUALITY PARTICULARS June September December 2016 Gross NPA Gross NPA Ratio (%) Net NPA Net NPA Ratio (%) Cash Recovery (cumulative) Cash Recovery of Rs.1375crore during Q4 FY16 Page 34
35 PARTICULARS GROSS NPA MOVEMENT June Sept Dec 2016 Opening Gross NPA ( Rs. Crore) Additions Sub Total Less: Reduction (a+b+c+d)) a) Write Off (Including Addn Prudential Write off) b) Upgradation c) Recovery for movement (excluding recovery in w/o a/c and unapplied interest) Gross NPA Closing Balance Gross Advances Gross NPA % Net NPA Net NPA % Total Cash Recovery (incl.rec. in Wr. off a/cs, recovery in Current Year slippage & U/A interest) Page 35
36 NPA COMPOSITION Parameters June Sept Dec 2016 Gross Advances Sub Standard Doubtful Loss NIL NIL NIL Nil Nil Provision Coverage Ratio(%) Page 36
37 SECTOR WISE NPA SLIPPAGES SECTOR Q4 FY15 Q1 FY16 Q2 FY16 Q3 FY16 Q4 FY16 % to total Slippages Micro & Small Ent Agriculture Other Priority Sector Total Priority Sector Medium Industries Large Industries Other Non Priority Total Non Priority Total (Domestic) Overseas Total (Global) Page 37
38 SECTOR WISE NPA OUTSTANDING SECTOR June Sept Dec 2016 Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Other Non Priority Segments Total Page 38
39 SECTORAL CONTRIBUTION OF NPA Particulars June Sept Dec 2016 Gross Advances Gross NPA Gross NPA % Priority Sector Advances PS as % to Gross Advances Total PS NPA Total PS NPA% Share of PS NPA to Gross NPA Agriculture NPA Agriculture NPA% MSE NPA MSE NPA % Other Priority NPA Other Priority NPA % Page 39
40 RESTRUCTURED ASSETS Particulars Total cumulative outstanding liability as at Total Restructured No. Of A/C s Amount Of Which Standard No. Of A/C s Amount No. Of A/C s NPAs Amount A/C Restructured in Q1 FY 16 (June 15) Total Restructured O/S 30/06/ A/C Restructured in Q2 FY 16 (Sep 15) Total Restructured O/S 30/09/ A/C Restructured in Q3 FY 16 (Dec 15) Total Restructured O/S A/C Restructured in Q4 FY 16 (Mar 16) Total Restructured O/S Page 40
41 RESTRUCTURED ASSETS Particulars FY FY FY -16 Gross Advances Restructured Assets % of Std. Restructured Assets to total Adv % of Total Restructured Assets to total Adv CDR % of CDR to Total Restructured Adv NON CDR % of Non CDR to Total Restructured Adv Page 41
42 SECTOR WISE CUMULATIVE RESTRUCTURED ACCOUNTS Sector FY FY FY 16 A/cs Amt A/cs Amt A/Cs Amt Agriculture MSME Housing Loans Large Advance Others Total Page 42
43 SECTOR WISE RESTRUCTURED ACCOUNTS FOR FY16 Sector A/cs FY16 Amt. Agriculture MSME Housing Loans Large Advance Others Total Page 43
44 RESTRUCTURED ASSETS Particulars FY FY FY 16 As on As on As on CDR NON CDR TOTAL Page 44
45 SECTOR WISE RESTRUCTURED ACCOUNTS Name of the Sector As on Details of restructured Accounts No. of a/cs Amt % to cumulative Outstanding Amt. INFRASTRUCTURE (a+b+c+d+e+f+g+h) POWER (a+b+c+d) POWER-State DISCOMS (a) POWER- Private (d) IRON AND STEEL CONSTRUCTION INFRA- ROADS (e) TEXTILE OTHER INDUSTRIES OTHER SERVICES INFRA- AVIATION (g) ENGINEERING INFRA-TELECOMMUNICATION (h) AGRICULTURE PHARMACEUTICAL CEMENT HOUSING INFRA- PORTS (f) EDUCATION HARDWARE EDIBLE OIL CHEMICAL MINING SHIPPING POWER-State Transmission (b) IPOWER-State Generation (c) TOTAL Page 45
46 CAPITAL ADEQUACY BASEL III Capital Adequacy Ratio CRAR of 11.08% at 2016 Vs % norm CET I ratio at 8.18% Tier I ratio at 8.80% Tier II ratio at 2.28% Govt. Shareholding at 66.30% Sufficient headroom available for business growth Page 46
47 CAPITAL ADEQUACY BASEL III Particulars Risk weighted Assets June BASEL III September December Tier I Capital Tier I Ratio% CET: 7.37% CET: 7.65% CET: 7.98% CET:8.03% CET:8.18% AT I: 0.65% AT I: 0.64% AT I: 0.65% AT1:0.65% AT1:0.62% Tier I:8.02% Tier I:8.28% Tier I:8.63% Tier I:8.68% Tier I:8.80% Tier II Capital Tier II Ratio(% Total Capital CRAR (%) Page 47
48 SHAREHOLDING PATTERN Residents Mutual IndividualFunds, 3.8 s, 5.98% 7% As on 31, 2016 Others, 2.62% Govt. of India Insurance Companies FIIs & FPIs, 7.14% FIIs & FPIs 7.14 Insurance companie s, 14.09% Govt. of India, 66.30% Residents Individuals Mutual Funds Others 2.62 Page 48
49 FINANCIAL INCLUSION FINANCIAL INCLUSION Progress Progress Under Under Pradhan Pradhan Mantri Mantri Jan Jan Dhan Dhan yojana yojana (PMJDY) (PMJDY) Progress Under Pradhan Mantri Jan Dhan yojana (PMJDY) Parameters Parameters As As at at Accounts Accounts opened opened till till lacs lacs Deposits Deposits Rs.1317 Rs.1317 Cr Cr RuPay cards issued lacs RuPay cards issued lacs Aadhar Seeding lacs Aadhar Seeding lacs Villages Covered Villages Covered Sub Service Areas 3962 Sub Service Areas 3962 Urban Wards 3371 Urban Wards 3371 Progress Under PMSBY, PMJJBY AND APY SCHEMES Progress Under PMSBY, PMJJBY AND APY SCHEMES Scheme Scheme name name As As at at Pradhan Pradhan Mantri Mantri Suraksha Suraksha Bima Bima Yojana Yojana (PMSBY) (PMSBY) lacs lacs Pradhan Pradhan Mantri Mantri Jeevan Jeevan Jyoti Jyoti Bima Bima Yojana Yojana (PMJJBY) (PMJJBY) lacs lacs Atal Atal Pension Pension Yojana Yojana (APY) (APY) lacs lacs Progress Under MUDRA yojana (PMMY) Progress Under MUDRA yojana (PMMY) Category As at Sanc. Outstanding No of A/cs Amount Amt Shishu (< Rs.50K) Kishor (Above Rs.50K- Rs.5.00 Lacs) Tarun (Above Rs.5.00 lacs to Rs lacs) Total Page 2 49
50 CUSTOMER FRIENDLY TECHNOLOGY INITIATIVES IN FY16 New customer friendly Mobile Banking, Canara e infobook & Canara mwallet apps. Instant loan application sanction portal for Housing Loan and Car Loan. MUDRA Debit Card for issuing overdraft accounts under MUDRA Card scheme. PMJDY OD automation made live. P2U (Person to UIDAI) funds transfer through Mobile Banking in WAP channel. Aadhar seeding through BC terminal. Subscription of Social Security Schemes of Govt. of India through ATM, SMS and Internet Banking Jeevan Praman (digital life certificate for pensioners) implemented. Canara Galaxy, a combo product launched, comprising SB, Demat, OLT, Internet & Mobile Banking, Insurance, card services and other add ons Page 50
51 EXPANDED CLIENTELE BASE (In Lakhs) 2014 MAR 2016 Y o Y Increase Y o Y Growth (%) 7.25 crore Strong Clientele Base Clientele Base % No. of Deposit A/cs % No. of Borrowal A/cs % 68 lakh Clientele accounts added y o y. Page 51
52 MAJOR AWARDS/ACCOLADES IN Q4FY16 SKOCH Achiever Award as a top Bank in SME Enablement by SKOCH group. "Best Use of Digital and Channels Technology"award amongst large banks in IBA Banking Technology Awards held at Mumbai. Best MSME Bank award by Chamber of Indian Micro, Small & Medium Enterprises (CI MSME). ASSOCHAM's "Agricultural and Best Social Bank" award (under Large Bank category), for its outstanding performance under Agricultural Banking and Social Banking. Golden Peacock Award for Corporate Social Responsibility in recognition of its pioneering work done through CSR initiatives. "Vigilance Excellence Award 16" 3 rd Best in Banking Sector, instituted by M/s Institute of Public Enterprise, in the field of Vigilance amongst all PSBs. Page 52
53 GOALS MARCH 2017 Thrust on Retail Business & Asset Quality CASA Goals Retail Deposits Retail Credit Fee Income Recovery Page 53
54 Page 54
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