CORPORATE PRESENTATION – JANUARY 2017

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JANUARY 2017 PRIVATE & CONFIDENTIAL 2

 AGENDA

1 CANARA BANK OVERVIEW

2 KEY INVESTMENT HIGHLIGHTS

3 ASSET QUALITY

4 GROWTH STRATEGIES

JANUARY 2017 PRIVATE & CONFIDENTIAL 3

 DECADES OF HISTORY

1st position in MSE lending for Indy Wood CSR Excellence

FY 14 & FY 15 by GoI Award 2016 for outstanding
achievement under CSR

Best Bank under PMEGP, South SKOCH Order of Merit Award Core Banking
Zone in the field of Khadi and for initiatives under SME Solution
Village industries for FY14 & Enablement, Financial Inclusion
Foray into implemented
FY15 and mWallet for FY 15
Asset in all domestic 2016
Dun & Bradstreet Banking National Award for excellence
Award 2016 for the Best Bank in lending to Micro Enterprises Management branches
under PSL and Best Retail – 1st position in FY 14 and 2nd and Life
growth performer among PSBs position in FY 15 8th overseas
Insurance 2010
branch at
through joint
Dubai is
ventures
2008 inaugurated
Canara Bank
2007 (Tanzania)
Listing through Launching of a
Initial Public Limited, a
Registration 2006
“New Brand
Offer
of Canara wholly owned
Identity”
Hindu Nationalization subsidiary is
Permanent of the Bank 2002
Centenary year opened
Fund Limited
1976 of the Bank
1969 Core Banking
1910
1906
Inauguration Solution
of 1000th implemented
Renaming as branch
Canara Bank in select
branches

111 Years of Celebrated History

JANUARY 2017 PRIVATE & CONFIDENTIAL 4

 CANARA BANK OVERVIEW : H1 FY17 HIGHLIGHTS

Net Advances Deposits Net Interest Income CET-1

INR 3,274 bn INR 4,843 bn INR 48 bn 8.25%

INR Bn INR Bn INR Bn

FY 2016 3,250 FY 2016 4,797 FY 2016 98 FY 2016 8.18%

FY 2015 3,303 FY 2015 4,737 FY 2015 97 FY 2015 7.37%

Non Interest Income Net Profit GNPA NNPA

INR 35 bn INR 7 bn 9.81% 6.69%

INR Bn INR Bn

FY 2016 51 FY 2016 (26) FY 2016 9.40% FY 2016 6.42%

FY 2015 47 FY 2015 29 FY 2015 3.89% FY 2015 2.65%

JANUARY 2017 PRIVATE & CONFIDENTIAL 5

 CANARA BANK AT A GLANCE

Bank Overview Shareholding Pattern As On December 31, 2016

One of the leading public sector commercial banks in India 0.5%
1.2%
5.9% 7.9%
Among the top 5 public sector banks in terms of assets as on
4.5%
March 31, 2016 as per the data published by Indian Banks’

Association 13.7%

One of the largest nationalized banks in India in terms of total 66.3%

advances and deposits, which is Rs. 8,117.73 billion as of

September 30, 2016 GoI LIC of India HDFC Trustee FPIs Reliance Life AMC FIs/ Banks Others

Engaged in a wide variety of banking activities such as: Presence Across the Value Chain
Corporate Lending – Comprises a wide variety of
51.00% 100.00%
banking activities for large and medium corporations

Priority Sector and Retail Sector Lending – Provides 43.45% 69.14%

funding to Priority & Retail sectors including loans to

70.00% 100.00%
agriculture, MSME, Housing & Education etc
51.00% Commercial Indo Bank 40.00%
International Banking – Caters to the financial LLC (JV with SBI)

requirements of Indian exporters and importers 35.00% 35.00%

Other services – Includes services such as asset Canara Bank Tanzania Commonwealth Trust
100.00% 30.00%
Limited (India)
management, factoring, bancassurance etc
JANUARY 2017 PRIVATE & CONFIDENTIAL 6
 AGENDA

1 CANARA BANK OVERVIEW

2 KEY INVESTMENT HIGHLIGHTS

3 ASSET QUALITY

4 GROWTH STRATEGIES

JANUARY 2017 PRIVATE & CONFIDENTIAL 7

 KEY INVESTMENT HIGHLIGHTS

1 Strong Brand Recognition & Pan India Presence

2 Efficient Use Of Digital Technology

3 Diversified Credit Portfolio

4 Diversified Sources Of Income

5 Efficient Asset Liability Management

6 Experienced And Professional Management Team Backed By GoI

JANUARY 2017 PRIVATE & CONFIDENTIAL 8

 1 STRONG BRAND RECOGNITION & PAN INDIA PRESENCE (1/2)

Pan India Network As On November 30, 2016 Domestic Branch Network

5,931

5,849
32/32
16/28
5,682
56/55
199/220
83/96
180/251
181/496 8/8 7/8

143/182 540/803
70/78
3/3 FY 15 FY 16 As on Nov 30, 2016
235/359
10/10
136/181 4/5 Bank has 8 overseas branches in Johannesburg, New York, London,
143/199 214/274 284/361 13/15
76/79 5/5
Leicester, Shanghai, Manama, Hong Kong & Dubai
169/210 Bank has 182 hi-tech e-lounges in select branches with facilities like
1/1
3/3 384/684
Cash Deposit Kiosk with voice guided system, Cheque deposit kiosk etc
165/361

Domestic ATM Network

54/82 266/401

974/2381

11/16 10,308
8,533 9,251
829/1814
445/606
2/2

Domestic Branches/ ATMs FY 15 FY 16 As on Nov 30, 2016

5931/ 10,308

JANUARY 2017 PRIVATE & CONFIDENTIAL 9

 1 STRONG BRAND RECOGNITION & PAN INDIA PRESENCE (2/2)

Branch Foothold In Rural And Semi-Urban Areas

18% 17% 20%

32% 32% 29%

As on Nov
FY 15 FY 16 30, 2016
19% 20%
19%

31% 31% 32%

Rural Semi-Urban Urban Metro

Our extensive branch network allows us to provide banking services to different types of customers across India
We offer a full range of banking products and services including short-term and long-term deposits, secured and unsecured loans, internet banking, credit
cards, life insurance, merchant banking, agricultural banking products and project finance loans

Customer Base Specialized Branches Focusing On Niche Areas

In Mn SME Branches 166

76

72 Prime Corporate Branches 12

Mid-corporate Branches 26
66 Asset Recovery Management Branches 21
Others 62
Total 287
FY 15 FY 16 As on Nov 30, 2016 As on Nov 30, 2016

JANUARY 2017 PRIVATE & CONFIDENTIAL 10

 2 EFFICIENT USE OF DIGITAL TECHNOLOGY (1/2)

E-Transactions As A % Of Total Transactions Mobile Banking Customers

In lakhs
59.3%

39 40
54.2%

50.2% 22

FY 15 FY 16 H1 FY 17
FY 15 FY 16 H1 FY17
Bank’s emphasis on promoting digital technology has led to significant
increase in the number of e-transactions

Internet Banking Customers Debit & Credit Cards Customers

In lakhs In lakhs 343
26 322
24
256

15

FY 15 FY 16 H1 FY17
Credit and debit cards (global & domestic) issued in association with VISA,
Master Card and NPCI (only for debit cards)
Established network of 4,167 merchants and 10,309 ATMs as of November
FY 15 FY 16 H1 FY17
30, 2016

JANUARY 2017 PRIVATE & CONFIDENTIAL 11

 2 EFFICIENT USE OF DIGITAL TECHNOLOGY (2/2)

Technology Driven Bank - Key Technology Initiatives

Mobile Based Solutions Digital Solutions

Canara Swipe (Missed call solutions in single app) Canara easyCash (cash withdrawal facility for migrant

eMpower (Bank’s UPI App) population)

Canara Cart (Umbrella app - all mobile based apps) eKYC for Biometric, Aadhaar based KYC Biometric

Canara mServe (Blocking/Unblocking of cards & other access for lockers

services) Online application for SB accounts & PPF accounts

Canara e-Infobook (e-Passbook) & Canara m-Wallet Aadhaar number registration through online banking

SMS Solutions (Balance enquiry etc) and ATMs

Data Security Initiatives Other Initiatives

Data Centre in Bangalore
Disaster Recovery Centre in Mumbai to prevent and
reduce business interruption and data loss in case of
disasters
“Near Site” Disaster Recovery Centre in Bangalore to
achieve near zero data loss
Canara Geo Locate (Mobile app for locating branch
and ATMs)
Green Pin (Generation of ATM Pin by customers
themselves)
Periodical conduct of Disaster Recovery drills to
ensure readiness to face any untoward events

JANUARY 2017 PRIVATE & CONFIDENTIAL 12

 3 DIVERSIFIED CREDIT PORTFOLIO (1/2)

Net Advances Net Advances Profile*

Rs. Bn

54.4% 57.2% 58.1%

3,303

3,274

3,250
45.6% 42.8% 41.9%

FY 15 FY 16 H1 FY17

FY 15 FY 16 H1 FY17 Corporate RAM

Thrust On Growing Retail Book* Top 5 Industries Wise Gross Loan Portfolio*

2.4% 2.6% 2.7%

27.4% 23.0% 20.9%
2.6% 3.0% 3.1%
16.4% 4.1% 4.2% 4.2%
17.3%
20.7% 5.7%
17.3% 6.0% 6.6%
17.2%
13.6%

45.4% 20.7% 17.3% 16.4%

38.3% 42.6%

FY 15 FY 16 H1 FY17 FY 15 FY 16 H1 FY17

Agriculture + MSME Retail Infrastructure Others Infrastructure Basic Metal & Metal Products
Textile Food Processing
* On a standalone basis Engineering

JANUARY 2017 PRIVATE & CONFIDENTIAL 13

 3 DIVERSIFIED CREDIT PORTFOLIO (2/2)

Priority Sector Loans Priority Sector Loans

Rs. Bn
12.8% 11.8% 11.8%
52.1%
49.3%
40.9% 37.4% 42.1% 41.2%

1,456 1,549
1,182
49.8% 46.2% 46.9%

FY 15 FY 16 H1 FY17 FY 15 FY 16 H1 FY17

Total PSL PSL as a % of Adjusted Net Bank Credit Agriculture MSME Other Priority Sector

Retail Advances Retail Advances

Rs. Bn
16.7% 16.7% 13.3% 12.5% 13.5%
12.8%
24.9% 22.3% 23.2%
541 545
423 8.0% 8.4%
8.9%

52.8% 57.3% 54.9%

FY 15 FY 16 H1 FY17

Total Retail Loans Retail as a % of Total Loans

We deliver retail products through our Retail Asset Hubs and retail lending FY 15 FY 16 H1 FY17
marketing teams at major cities across India Housing Vehicle Personal Education

JANUARY 2017 PRIVATE & CONFIDENTIAL 14

 4 DIVERSIFIED SOURCES OF INCOME (1/2)

Revenue From Different Business Segments Non Interest Income As A % Of Total Income*

Rs. Bn Rs. Bn
228
204 49 14.0%
46
155
126 122 128 34
95
79 9.4% 10.0%
65

FY 15 FY 16 H1 FY17
FY 15 FY 16 H1 F17
Retail Banking Operations Wholesale Banking Operations
Non-Interest Income
Treasury Operations
Non Interest Income as a % to Total Income
Non Interest Income*

Fee Income Other Income

Rs. Bn Rs. Bn

20 11
18 11
10
8
12 7 6
9 9 10 6
8
4
6 5
2

FY 15 FY 16 H1 FY17 FY 15 FY16 H1 FY17

Commission, Exchange & Brokerage Service Charges Total Fee Income Treasury Income Exchange Transactions Income Recoveries in w/o a/cs
* Standalone
JANUARY 2017 PRIVATE & CONFIDENTIAL 15
 4 DIVERSIFIED SOURCES OF INCOME (2/2)

Tie up with Canara HSBC OBC Life Insurance and Canara Robeco Asset Management Company for cross selling
Third Party Products Tie up with United India Insurance to sell non-life insurance policies
Tie-ups Corporate Agency agreement with Apollo Munich Health Insurance for marketing of health insurance products
Corporate Agency agreement with Export Credit Guarantee Corporation for marketing of export policies

Depository Serving as a Depository Participant of National Securities Depository Limited since 1997
Participant Services Network of 47 DP service centres spread across 33 locations in India as of November 30, 2016

Handle various government business products like direct and indirect tax collections, salary and pension payments etc
Government
We market PPF scheme, pension accounts, e-transactions, e-payment of taxes and e-stamping business to improve
Banking government business

Retail Selling of
We sell Government Securities on a retail basis through our branches
Government Value G-Secs at market prices declared by FIMMDAI for securities held in HFT and AFS categories
Securities

Agriculture Innovation Centre (AIC) is the first consultancy service centre for agriculture and related activities
Agriculture AIC facilitates modernization of agriculture activities and businesses and appraises agriculture based projects
Innovation Centre Since its establishment in 1988, AIC has appraised more than 1,670 projects with a project cost of Rs. 8,233 crores as
of November 30, 2016

One of the consortium members in extending food credit to Food Corporation of India
Food Credit We play a significant role in safeguarding the interest of farmers and financing food credit through FCI

JANUARY 2017 PRIVATE & CONFIDENTIAL 16

 5 EFFICIENT ASSET LIABILITY MANAGEMENT

Deposits Deposit Profile – Reducing Reliance On Bulk Deposits

Rs. Bn
4,843 6.2% 6.0% 6.8%
4,797 1.8%
8.3% 4.7%
27.6% 25.5%
4,737 31.7%

35.9% 38.7%
29.9%

24.0% 25.8% 27.2%

FY15 FY16 H1FY17

FY 15 FY 16 H1 FY17 CASA Retail TD Bulk TD CD Overseas TD

Post demonetization CASA stands at 32.1% as of December 31, 2016

CASA Deposits Liquidity Coverage Ratio

Rs. Bn
Maintained
1,317 Financial Year Minimum Requirement
by Bank

1,235
CY 2015 60%

1,135 FY 2015-16 84.92%

CY 2016 70%

H1 FY 2016-17 CY 2016 70% 99.74%

FY 15 FY 16 H1 FY17

JANUARY 2017 PRIVATE & CONFIDENTIAL 17

 6
EXPERIENCED AND PROFESSIONAL MANAGEMENT TEAM
BACKED BY GOI
T N Manoharan, Chairman
Around two decades of experience in the banking industry
Chairman of the Committee on Education and Centre for Excellence
of South Asian Federation of Accountants for the year 2004
Conferred with the “Padma Shri” by the President of India in 2010
Rakesh Sharma, MD & CEO
Over 30 years of experience in the Banking industry
Was associated with SBI as Chief General Manager and was the
head of mid-corporate accounts in the Andhra Pradesh region
Held the post of MD & CEO of Lakshmi Vilas Bank

Uma Shankar, RBI Nominee Director
Chief General Manager, Department of Currency Management, RBI
Acted as the Regional Director of RBI, Bangalore
Served on the boards of Corporation Bank and UCO Bank
Venkatachalam Ramakrishna Iyer, Shareholder Director
Retired Deputy Managing Director of State Bank of India
Nominee Director of SBI in Usha Martin Limited, Kolkata
Was the Nominee Director on the board of SBI General Insurance
Company Limited and SBI Global Factors Private Limited

Dina Bandhu Mohapatra, Executive Director

Has over 31 years of experience in various areas of banking Mahadev Nagendra Rao, Shareholder Director
Was the head of Hong Kong and Singapore branches of the Bank of Retired Deputy Managing Director of the State Bank of India
India Worked as the MD & CEO of SBI Life Insurance Company Limited
Independent director of IDBI Federal Life Insurance Company
Harideesh Kumar B, Executive Director
Over 38 years of experience working in banks across the country
Was in charge of Vijaya Bank’s regional offices at Chandigarh, Capital Infusion By Government Of India
Bangalore and Delhi
Was the General Manager of Vijaya Bank’s Delhi region
Rs. Bn 9.5
Suchindra Misra, Government Nominee Director
Joint Secretary at the Department of Financial Services, Ministry of
Finance
Holds a Bachelor’s degree in Science and a Postgraduate Diploma in 5.7
5.0
Business Management in Marketing and Finance
P V Bharathi, Executive Director
Over 30 years of banking experience
Certified associate of the Indian Institute of Bankers
Member of the Board of Directors of Canbank Venture Capital Ltd.,
Can Fin Homes Ltd., Canara HSBC OBC Life Insurance Co Ltd. FY 14 FY 15 FY 16
Krishnamurthy H, Shareholder Director
Chief Research Scientist at the Indian Institute of Science, Bengaluru Infusion 273.84 408.95 340.72
Holds a Masters degree in Engineering Price (Rs.)
Keen interest in banking technologies

JANUARY 2017 PRIVATE & CONFIDENTIAL 18

 AGENDA

1 CANARA BANK OVERVIEW

2 KEY INVESTMENT HIGHLIGHTS

3 ASSET QUALITY

4 GROWTH STRATEGIES

JANUARY 2017 PRIVATE & CONFIDENTIAL 19

 ASSET QUALITY OVERVIEW (1/2)

GNPA & NNPA Cash Recoveries

Rs. Bn

60
9.4% 9.8%
48

6.7% 20
6.4%

3.9%
2.7% FY 15 FY 16 H1 FY17
We have taken several initiatives to contain slippages and increase
recoveries as mentioned below:
Identification of stressed a/cs for restructuring in time
One Time Settlement sessions
FY 15 FY 16 H1 FY17
Regular follow-up of overdues in loan a/cs
GNPA NNPA E-auction for the sale of seized assets and stringent recovery
measures against willful defaulters

Outstanding Restructured Asset Portfolio Sector Wise Restructured Assets

Rs. Bn 3.2% 2.0% 1.8%
284
232 234
8.5%
6.9% 89.8% 89.2% 90.0%
6.9%

7.0% 8.8% 8.2%

FY 15 FY 16 H1 FY17
FY 15 FY 16 H1 FY17
Restructured assets Restructured assets as a % of gross advances Agri + MSME Large Advances Others

Others includes restructured Housing Loans also

JANUARY 2017 PRIVATE & CONFIDENTIAL 20

 ASSET QUALITY OVERVIEW (2/2)

Sector Wise NPA Slippages As A % To Total Slippages

Stabilizing Slippages Ratio

17%
Total Slippages (in 18% 25% 27%
Fiscal Year
Rs. bn) 4%
38%
7%
FY 15 108.7 FY 15 FY 16 9M FY17
5%
58%
21%
FY 16 247.2
37% 44%
9M FY17 85.5

Large Industries Agri + MSME Medium Industries Others

Sector Wise NPA Outstanding As A % To Total NPA

Total NPA 17% 17%

15%
Fiscal Year outstanding (in
Rs. bn) 6% 5% 4%
45% FY 16 9M FY17
FY 15 130.4 FY 15 57% 55%
22% 24%
FY 16 316.4
34%

9M FY17 343.4

Large Industries Agri + MSME Medium Industries Others

JANUARY 2017 PRIVATE & CONFIDENTIAL 21

 AGENDA

1 CANARA BANK OVERVIEW

2 KEY INVESTMENT HIGHLIGHTS

3 ASSET QUALITY

4 GROWTH STRATEGIES

JANUARY 2017 PRIVATE & CONFIDENTIAL 22

 FUTURE GROWTH STRATEGIES
8 Divestment In Non-Core Business
 Focus on divestment in non-core businesses
 Bank has proposed to divest 13.45% stake in Can
Fin Homes and entire 70% stake in Canbank
Factors
7 Capital Efficiency & Profit Maximization
 Implement robust risk management
architecture and sound risk management
systems
 Deloitte to assist in the implementation of an
Enterprise-wide Integrated Risk Management
Framework
6 Technology Driven Approach
 Leverage on technology to maximise efficiency in
operations
 Focus on transforming the Bank into a
knowledge based, customer-centric bank
5 Branch Transformation
 Implemented Project Shikhar with the aim of
making the Bank more Responsive, Accessible,
Convenient and Energized
 Branches are given different star ratings based on
ATM hits, CASA %, Fee income growth, e-
transactions etc
JANUARY 2017
1 Geographical Presence
 Leverage domestic links for international
expansion
 Leverage Lead Bank status and brand recall to
expand domestic presence
2 Asset Quality & Cash Recoveries
 Mission Samadhan: Conduct recovery meets/
Adalats/ Mega Adalats
 4 levels of control mechanism starting branch,
RO, Circle Office to HO
 Separate division for Asset recovery branches
3 CASA Deposits & Credit Portfolio
 Increased focus on marketing campaigns to
increase CASA to reduce cost of funds
 Increased focus on retail loan portfolio in
agriculture, MSME, Housing and Vehicle
4 Fee Based Income
 Increase fee income by introducing new
products and cross sell offerings
 Focus on bancassurance, cross-selling of mutual
fund products, loan syndication among others
PRIVATE & CONFIDENTIAL 23
THANK YOU
ANNEXURES
 CONSOLIDATED FINANCIALS

Balance Sheet Summary

In Rs. million
FY15 FY16 H1 FY17
Cash & Balances with RBI 219,768 206,650 205,351
Balances with Bank & Money at
Call & Short Notice 266,708 360,787 428,609

Investments 1,521,217 1,524,698 1,522,588

Advances 3,302,939 3,249,924 3,274,351
Fixed Assets 69,699 72,058 7,1745
Other Assets 205,244 223,132 235,463
Total Assets 5,585,575 5,637,249 5,738,108
Paid-up Capital 4,752 5,429 5,429
Reserves & Surplus 320,165 318,667 324,821
Deposits 4,737,249 4,797,489 4,843,383
Borrowings 25,7628 269,634 255,868
Other Liabilities and Provisions 261,994 241,537 303,989
Total Liabilities 5,585,575 5,637,249 5,738,108

JANUARY 2017 PRIVATE & CONFIDENTIAL 26

 CONSOLIDATED FINANCIALS

Profit & Loss Account Summary

In Rs. million
FY15 FY16 H1 FY17
Interest Earned 438,134 44,039 206,363
Interest Expended 341,331 342,629 188,693
Net Interest Income 96,802 97,765 17,670
Other Income 47,334 51,313 34,477
Operating Income 144,137 149,078 52,147
Operating Expenses 72,660 75,919 41,897
Operating Profit 29,310 (25,351) 40,250
Net Profit 28,647 (26,070) 7,126

Key Ratios
FY15 FY16 H1 FY17
Earnings Per Share (Basic) 62.1 (46.7) 13.1
Earnings Per Share (Diluted) 62.1 (46.7) 13.1
Return on Net Worth 10.6% (9.7)% 5.2%
Return on Assets 0.6% (0.5)% 0.3%
Net Asset Value Per Share (in Rs.) 584 510 501
CRAR 10.6% 11.1% 12.2%
Tier 1 Ratio 8.0% 8.8% 8.9%
JANUARY 2017 PRIVATE & CONFIDENTIAL 27