Скачать презентацию CANARA BANK Creating Value For Investors Brought to Скачать презентацию CANARA BANK Creating Value For Investors Brought to

87fc61608d8617a7c98c54c9797605be.ppt

  • Количество слайдов: 31

CANARA BANK Creating Value For Investors Brought to you by Bsplindia. com CANARA BANK Creating Value For Investors Brought to you by Bsplindia. com

Brought to you by Bsplindia. com Summary • • • Third largest Public Sector Brought to you by Bsplindia. com Summary • • • Third largest Public Sector Bank in India with an asset base of Rs. 90644 Crore and market capitalization Rs. 5453 Crore. Over 2440 branches and 265 lakh accounts with one of the widest retail networks. Growth in credit with CAGR of 30% for past 3 years with relatively low Net NPA at 3. 28% due to aggressive recovery efforts. Cash recoveries Targeting Rs. 650 crore during the current fiscal. Sustained Treasury Income and adequate cushion for Interest Rate reversals. CANARA BANK 2

Brought to you by Bsplindia. com Summary • • • Focus on better yielding Brought to you by Bsplindia. com Summary • • • Focus on better yielding Retail Assets accounting for 15. 57% of the net credit. Retail assets at Rs. 6369 Crore. Focus on Technology Upgradation/ Hi-tech Banking Subsidiaries are a source of Income and no more a cause of concern with all the past burdens taken care of. NIM sustained at around 3. 37% coupled with improved operational efficiency (March 2003 at 3. 53%). Ro. A of 1. 28%, Favorably placed among peer banks. CANARA BANK 3

Brought to you by Bsplindia. com Creating Wealth Date Price Market Capitalisation Dec 2002 Brought to you by Bsplindia. com Creating Wealth Date Price Market Capitalisation Dec 2002 Rs. 35. 00 Rs. 1435 Crore Oct 2003 Rs. 133. 00 Rs. 5453 Crore Wealth Created in 10 Months Annualized Growth CANARA BANK Rs. 4018 Crore 236% 4

Brought to you by Bsplindia. com Banking Sector – Strengthening Fundamentals l l Strengthening Brought to you by Bsplindia. com Banking Sector – Strengthening Fundamentals l l Strengthening of Prudential Norms and Market Discipline Adoption of Appropriate International Standards and Benchmarks Human Resource Development as a Catalyst of Transformation. Focus on Technology upgradation CANARA BANK 5

Brought to you by Bsplindia. com Corporate Objectives 2004 Efficiency Profitability & Productivity Organizational Brought to you by Bsplindia. com Corporate Objectives 2004 Efficiency Profitability & Productivity Organizational Effectiveness Customer Centric Hi-tech Banking CANARA BANK 6

Brought to you by Bsplindia. com Plans for 2004 l l l Global Business Brought to you by Bsplindia. com Plans for 2004 l l l Global Business to reach Rs. 131000 Crore at a growth rate of 15. 55% - Rs. 82000 Crore of Deposits and Rs. 49000 Crore of Advances. Thrust on low cost deposits and 10% growth in client base. Retail Lending expansion at the rate of 35% of incremental advances Hi-Tech Banking – 500 ATMs, 2000 computerized branches, 500 branches under Anywhere Banking, RTGS & SFMS Target of launching Mobile & Internet Banking and Debit Cards already achieved. CANARA BANK 7

Brought to you by Bsplindia. com Renewed Strategy Retail Lending High Potential n Improvement Brought to you by Bsplindia. com Renewed Strategy Retail Lending High Potential n Improvement in spreads n Better Asset Quality n Thrust on Technology Reduction in operational cost n Better customer service n Matching competitive forces n NPA Management Treasury Management Better Asset Quality n Higher recoveries n Better profitability n n CANARA BANK Effective Funds Management n Improving Yield n Ability to hedge Market Risk 8

Brought to you by Bsplindia. com A Snap Shot Bank with a distinguished history Brought to you by Bsplindia. com A Snap Shot Bank with a distinguished history of over 97 years of Continuous Profitability As of 30/09/2003 Investments RS. 37300 Crore Advances Rs. 40908 Crore Net NPA 3. 28% of Net Advances Deposits Rs. 75396 Crore Total Assets Rs. 90644 Crore Operating Profit Rs. 1495 Crore CAR 13. 27% CANARA BANK EPS Rs. 28. 34 * BV Rs. 112. 33 Net Profit Rs. 581 Crore * Annualised 9

Brought to you by Bsplindia. com Strong Business Growth ( Rs. Crore) • Year Brought to you by Bsplindia. com Strong Business Growth ( Rs. Crore) • Year on Year Deposit Growth of 11. 31% in Sept. 2003. • Year on Year Credit Growth of 15. 14% in Sept. 2003. • Credit Deposit Ratio Sustained at the same levels of 56% in Sept 2003. • Gross Profit growth at 57. 81% & Net Profit at 38. 60% in Sept. 2003. CANARA BANK 10

Brought to you by Bsplindia. com Maturity Pattern of Investments 66% 65% 11% 13% Brought to you by Bsplindia. com Maturity Pattern of Investments 66% 65% 11% 13% 13% 10% 13% 57% 62% 19% 12% 15% 9% CANARA BANK 11% 11

Brought to you by Bsplindia. com Duration of Investment Portfolio CANARA BANK 12 Brought to you by Bsplindia. com Duration of Investment Portfolio CANARA BANK 12

Brought to you by Bsplindia. com Capital Adequacy Ratio • The Capital Adequacy Ratio Brought to you by Bsplindia. com Capital Adequacy Ratio • The Capital Adequacy Ratio has reached a comfortable level of 13. 27% in FY 2003 from 11. 88% in FY 2002. CANARA BANK 13

Brought to you by Bsplindia. com Earning Capacity Rs. 28. 34 Rs. 14. 52 Brought to you by Bsplindia. com Earning Capacity Rs. 28. 34 Rs. 14. 52 • The Bank continued to sustain High levels of Earnings • Return on Assets at 1. 28% compares well with that of peer banks. • Book Value of the Share has improved to Rs. 112. 33 from Rs. 98. 14 in March 2003 CANARA BANK 14

Business Ratios -Cost of Deposits/ Borrowings Brought to you by Bsplindia. com • The Business Ratios -Cost of Deposits/ Borrowings Brought to you by Bsplindia. com • The cost of Deposits has come down from 6. 32% for FY 03 to 5. 67% as at Sept- 03. • The Overall cost of Borrowing has come down from 11. 19% for FY 03 to 8. 5% as at Sept 2003. CANARA BANK 15

Brought to you by Bsplindia. com Business Ratios – Yield% • The yield on Brought to you by Bsplindia. com Business Ratios – Yield% • The yield on Advances has come down from 9. 83% for FY 03 to 9. 20% as at Sept 03. • The yield on Investments has come down from 9. 99% for FY 03 to 9. 04 as at Sept 03. CANARA BANK 16

Brought to you by Bsplindia. com Income and Expense Analysis THE NII HAS GROWN Brought to you by Bsplindia. com Income and Expense Analysis THE NII HAS GROWN BY 23% IN FY 03 OVER FY 02 THE NII HAS GROWN BY 10% IN HY SEP 03 OVER HY SEP 02 THE CORE NON INTEREST INCOME HAS GROWN BY 19 %. THE NON INTEREST INCOME OF RS. 1209 CRORE AS AT SEPT 2003 INCLUDES RS. 389 CRORE OF PROFIT ON ACCOUNT OF GOVT. BUY BACK OF GILTS CANARA BANK 17

Brought to you by Bsplindia. com Earnings Analysis Sep 2002 Sep 2003** Interest Income Brought to you by Bsplindia. com Earnings Analysis Sep 2002 Sep 2003** Interest Income as a % of Total Income 83% 74% 80% Other Income as a % of Total Income 17% 26% 20% Net Interest Income as a % of Total Income 27% 26% 28% Treasury Profit as a % of Other Income 47% 68% 52% 1. 22% 2. 37% 1. 24% 53% 32% 48% Treasury Profit as a % of Average Investments Fee Based Income as a % of Other Income ** EXCLUDING RS. 389 CRORE OF OTHER INCOME CANARA BANK 18

Brought to you by Bsplindia. com Efficiency Ratios CANARA BANK 19 Brought to you by Bsplindia. com Efficiency Ratios CANARA BANK 19

Brought to you by Bsplindia. com Productivity ratios Mar 2002 Business per Employee (Rs. Brought to you by Bsplindia. com Productivity ratios Mar 2002 Business per Employee (Rs. Crore) Business per Branch (Rs. Crore) Mar 2003 Sep 2003 2. 15 2. 50 2. 59 40. 31 46. 44 47. 98 Gross Profit (Rs. Lakh) per Employee 3. 46 4. 19 3. 32* Staff Expenses (Rs. Lakh) per Employee 2. 35 2. 44 1. 31* Net Profit (Rs. Lakh) per Employee 1. 55 2. 14 1. 29* * Not Annualised CANARA BANK 20

Brought to you by Bsplindia. com Retail Lending (Amount: Rs. Crore) Loans Outstanding Sep Brought to you by Bsplindia. com Retail Lending (Amount: Rs. Crore) Loans Outstanding Sep 2002 Sep 2003 Growth % Housing Finance –Direct 1153 2005 74% Retail Trade 1402 1980 41% Other Personal Loans 1676 2384 42% Total Retail Lending - excluding Indirect Housing 4231 6369 51% 11. 96% 15. 57% - 789 1501 90% 14. 19% 19. 24% - As a % of Net Credit Housing Finance –Indirect Total as a % of Net Credit CANARA BANK 21

Brought to you by Bsplindia. com Retail Lending (Amount: Rs. Crore) Disbursements Sep 2002 Brought to you by Bsplindia. com Retail Lending (Amount: Rs. Crore) Disbursements Sep 2002 Sep 2003 Growth % 419 533 27% 87 577 563% Retail Trade 344 365 6% Other Personal Loans 673 724 8% Total Retail Lending 1436 1622 13% Aggregate Retail Lending including Indirect Housing 1523 2199 44% Housing Finance –Direct Housing Finance –Indirect CANARA BANK 22

Brought to you by Bsplindia. com As at 30. 09. 2003 Distribution of Branches Brought to you by Bsplindia. com As at 30. 09. 2003 Distribution of Branches Deposits & Advances Region Number of Branches (%) Aggregate Deposits (%) Aggregate Advances (%) Northern Region 12 24 24 Eastern & N. Eastern Region 10 08 07 Central Region 10 07 05 Western Region 10 19 24 Southern Region 58 40 40 • Well diversified credit portfolio with 12% in the Engineering industry, 11% in Petroleum, 9% in Infrastructure, 9% in Textiles and 7% in Iron & Steel. • Well balanced CD Ratio across the country. • CAGR of 20% in Credit book over last three years. CANARA BANK 23

Brought to you by Bsplindia. com Deposit Mix l l The Term Deposits have Brought to you by Bsplindia. com Deposit Mix l l The Term Deposits have grown at an annualized rate of 9% over FY 03 The Current & Savings Deposits have grown at an annualized rate of 9% over FY 03 CANARA BANK 24

Brought to you by Bsplindia. com Deposit Mix (%) l l l Aggregate Deposits Brought to you by Bsplindia. com Deposit Mix (%) l l l Aggregate Deposits increased from Rs. 64030 Crore in FY 02 to Rs. 75396 Crore in Sep-03. Average cost of deposits declined from 7. 16 in FY 2002 to 5. 67% in HY ended Sep 2003 During FY 04, around RS. 3500 Crore of high cost deposits would mature. CANARA BANK 25

Brought to you by Bsplindia. com Credit Quality (Amount: Rs. Crore) FY 02 Gross Brought to you by Bsplindia. com Credit Quality (Amount: Rs. Crore) FY 02 Gross Advances 33966 FY 03 Sep 02 Sep 03 41508. 50 36655. 42 42607. 17 Gross NPA 2112 2474. 78 2471. 55 3026. 48 Gross NPA Ratio (%) 6. 22 5. 96 6. 74 7. 10 40471. 64 35528. 45 40908. 20 Net Advances (Excluding Food Credit) 33127 Net NPA 1288 1453. 88 1364. 57 1343. 84 Net NPA Ratio (%) 3. 89 3. 59 3. 84 3. 28 CANARA BANK 26

Brought to you by Bsplindia. com Credit Quality • Despite credit growth being higher Brought to you by Bsplindia. com Credit Quality • Despite credit growth being higher than industry average, net NPA remained lower than industry average. • The Bank has been undertaking much higher levels of provisioning. Provisioning coverage, including Write-off, at 68. 7% is reasonable by industry average. • Bank effected a Cash Recovery of Rs. 228 Crore during HY Sep 03 as against Rs. 204 during the corresponding period of FY 2003. CANARA BANK 27

Brought to you by Bsplindia. com Focus on Subsidiaries & Sponsored Institutions l l Brought to you by Bsplindia. com Focus on Subsidiaries & Sponsored Institutions l l l l The Subsidiaries and Sponsored Institutions with focus on identified niche business areas have yielded good results. Gilt Securities Trading Company, a Primary Dealer in Government Securities Market recorded a Turnover Exceeding Rs. 45000 Crore in FY 03. Canfin Homes Ltd, sponsored by the Bank has created a niche in Retail Home Financing by assisting more than 90000 families with Cumulative Sanctions of Rs. 2767. 88 Crore and Cumulative Disbursements of Rs. 2374. 43 Crore. Canbank Factors Ltd is Numero Uno in the Indian Factoring Business with ISO Certification. CIMS is managing more than Rs. 1600 Crore net assets. CCSL, the ISO Certified Software outfit is the only Public Sector IT Company. Aadequate provisions are being made to take care of all future obligations of Canfina and all the commitments towards the PSUs with which settlement is reached is being met promptly. CANARA BANK 28

Brought to you by Bsplindia. com Technology matters Strategic Direction l l l Computer Brought to you by Bsplindia. com Technology matters Strategic Direction l l l Computer Policy and Planning Department to monitor IT activities as per the IT Plan drawn up by the Board The Bank has designated The Indian Institute of Science, Bangalore, as consultant to implement various IT initiatives The Bank is in preparedness to implement RTGS and has designated 191 branches for SFMS implementation. CANARA BANK Computerization l l 1, 910 branches computerized l 1039 fully computerized l 871 partially computerized 87. 73% of the Bank’s business computerized All Circle Offices, the Head Office and most Regional Offices inter-connected through INFINET 615 branches brought under Corporate Network 29

Brought to you by Bsplindia. com Technology matters Technology-Enabled Delivery Channels and Services l Brought to you by Bsplindia. com Technology matters Technology-Enabled Delivery Channels and Services l l l Anywhere Banking implemented in 383 branches across 19 cities. 253 Networked ATMs, 28 ATMs under Shared Payment Network System (SPNS) and 1 standalone – SWADHAN and SWITCH connectivity to 253 branches Provision of Televoice Banking in 71 branches The Bank has recently launched Mobile Banking, Internet Banking and Debit Card. Corporate Cash Management Services (CCMS) implemented in 198 Operating Centres and 706 pooling branches CANARA BANK 30

Thank You Thank You